First Responder's Standard Operating Procedure for Employing Drones to Expedite Insurance Claims

Ahmad Farouk Zulkifli; Amirul Afif Muhamat; Wahyu Jatmiko; Sharifah Faigah Syed Alwi

doi:10.21834/e-bpj.v9iSI19.5776

Authors

Ahmad Farouk Zulkifli Faculty of Business and Management, Universiti Teknologi MARA, UiTM Cawangan Negeri Sembilan, Kampus Rembau, 71300 Rembau, Negeri Sembilan, Malaysia
Amirul Afif Muhamat Faculty of Business and Management, Universiti Teknologi MARA, 40450 Shah Alam, Selangor Darul Ehsan, Malaysia
Wahyu Jatmiko Faculty of Economics and Business, University of Indonesia, Depok, West Java 16424, Indonesia
Sharifah Faigah Syed Alwi Arshad Ayub Graduate Business School, Universiti Teknologi MARA, 40450 Shah Alam, Selangor Darul Ehsan, Malaysia; Maybank Islamic Berhad, Level 15, Tower A, Dataran Maybank, No 1, Jalan Maarof, 59000 Kuala Lumpur, Malaysia

DOI:

https://doi.org/10.21834/e-bpj.v9iSI19.5776

Keywords:

Takaful, Insurance, First Responder, Claim

Abstract

Drones offer cost-effective real-time data collection, payload delivery, and have accelerated various commercial, industrial, and recreational applications. They are commonly used for research, disease transmission monitoring, disaster site assessment, and biohazard monitoring. However, disaster victim insurance claims are hampered by insufficient cooperation between first responders, typically the Civil Defence Department, and the insurance industry. This paper proposes integrating drones into standard operating procedures for disaster victim identification by first responders. Improved collaboration between first responders and insurers can expedite insurance claims, benefiting both parties and disaster victims. Insights are drawn from feedback provided by Civil Defence Department Malaysia's first responders and experienced forensic experts in search and rescue operations

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