At a glance
| Jurisdiction tier | Tier A - Specified and enforced. A binding instrument that applies to insurers' own use of AI, or an issued regulator document addressed to this insurance market, addresses AI - by name or by an unambiguous description such as "predictive models" or "automated decision system" - and sets out rules or expectations that apply to it; and the regulator has a live mechanism to check or sanction them. |
| Case examined | Allianz Malaysia - a generative-AI health claims co-pilot |
| Band for this case | Watching |
| Rules reach | Insurers: directly · Reinsurers: directly · Intermediaries: not stated |
| Last verified | [actual date of the launch-window check] |
Bank Negara Malaysia's technology-risk policy (RMiT) binds licensed insurers; non-compliance with its standards may result in enforcement action. It requires a licensed insurer to consult the Bank before first using an emerging technology in a critical system, and otherwise to document its risk assessment and have it available.
The Bank's RMiT FAQ (last updated 1 July 2026) lists generative AI as an example of emerging technology.
Who these rules reach
- Insurers: directly. RMiT applies to "Licensed insurers including professional reinsurers".
- Reinsurers: directly, under the same words. Branches of a foreign professional reinsurer are excluded (paragraph 5.2).
- Intermediaries: not stated.
This band describes how clearly the rules meet the AI use that Allianz Malaysia has itself published. It is not a finding that Allianz Malaysia has breached any rule.
Why Allianz Malaysia: Allianz Malaysia Berhad's own 2025 annual report describes the rollout of a generative-AI health claims co-pilot.
The question
In briefAllianz Malaysia Berhad's 2025 annual report describes a Gen AI health claims co-pilot inside Allianz 360, its digital tool for agents, in its discussion of Allianz Life, and lists the co-pilot among AI-enabled capabilities meant to improve claims, underwriting and pricing. Bank Negara Malaysia's technology-risk policy (RMiT) requires a licensed insurer to consult BNM before first using an emerging technology in a critical system, and otherwise to document its risk assessment and have it available for BNM; BNM's own RMiT FAQ lists generative AI as an example of emerging technology. Which route did the licensed insurer that runs the co-pilot follow?
Why this band: Both points are less firm: the rollout may predate the current version of the policy, and the report does not name the licensed entity that runs the co-pilot.Allianz Malaysia's report calls its Gen AI health claims co-pilot a "first strategic deployment" in 2025, and BNM now lists generative AI among the emerging technologies its binding technology-risk rule covers - but which of the rule's two routes the licensed insurer took for this tool has not been publicly disclosed.
3. The same question for other firms in Malaysia
Any licensed insurer in Malaysia that has begun using generative AI faces the same point: which of the policy's two routes it followed, consultation with the Bank or a documented risk assessment. This entry gives no band to any firm other than Allianz Malaysia.
4. What this entry does not establish
- The licensed entity that runs the co-pilot; it is inferred from where the report places it.
- Which version of RMiT applied at the 2025 rollout. The June 2023 version was not read.
- The report was read to printed page 36, which includes both passages cited (pp. 24–25 and 34); later pages were not.
- No dated item is recorded for this entry.
Sources
- Allianz Malaysia Berhad, Integrated Annual Report 2025, approved by the Board on 13 April 2026 (printed); printed p. 25 (CEO's Message, under "Allianz Life", from p. 24: the co-pilot rollout) and p. 34 ("Our Operating Context": claims, underwriting and pricing, "including Health Claims Co-pilot"). Company's own. allianz.com.my PDF
- Bank Negara Malaysia, Risk Management in Technology (RMiT) policy document, issued 25 September 2026 (printed). Regulator (binding). bnm.gov.my PDF
- Bank Negara Malaysia, RMiT Frequently Asked Questions, last updated 1 July 2026 (printed). Regulator. bnm.gov.my PDF
None share a law or regulator with this entry.
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Commercial relationship with any party named here: None · Right of reply: indexreport.protocol@fijishi.com; with the sender's agreement, replies are published in full below the entry, dated · Cite as: Fijishi Jurisdiction Index 2026, Entry MY · Corrections: none.