Pre Contract Examination for Insurance Agents (PCEIA) A compulsory entry requirement for all those who intend

d to be registered as insurance agents with Persatuan Insuran Am Malaysia (PIAM) and with the Life Insurance Association of Malaysia (LIAM) respectively. For those who intend to pursue a career in insurance. An induction programme for those entering the world of insurance. Benefits The examination gives the candidates: a working knowledge of insurance, which will at the same time increase the candidates proficiency and make their work meaningful and interesting. a certificate awarded by MII and recognized by PIAM, LIAM and employers. a basis from which the candidates can progress to take the MII Diploma or the Financial Planning Certificate examinations

Objectives To introduce the nature of insurance To provide a comprehensive introductory knowledge of the technical and other aspects of insurance including the appropriate skills of insurance selling. To create an awareness of the importance of insurance in the economy and the significance of the social function of insurance and the role of the insurance agents in bringing about these objectives. To instill a sense of social and professional responsibility in insurance agents. . Entry Requirement Candidates intending to sit for the examination must have minimum SPM/MCE with five passes or its equivalent qualification. ( view SPM definition ) . Syllabus With the main aim of providing a comprehensive introductory knowledge in the classes of insurance and the necessary skills in insurance selling, the syllabus is divided into 3 major parts : Part A The Basics of Insurance Part B General Insurance Part C Life Insurance

Syllabus details:PART A THE BASICS OF INSURANCE AND MEDICAL and HEALTH INSURANCE 1. INTRODUCTION TO INSURANCE 2. NATURE OF RISK AND ITS MANAGEMENT 3. THE BASIC PRINCIPLES OF INSURANCE AND AN INTRODUCTION TO

TAKAFUL 4. THE INSURANCE INDUSTRY IN MALAYSIA 5. CONSUMER PROTECTION AND STATUTORY REGULATION 6. THE INSURANCE CONTRACT 7. LAW OF AGENCY 8. MARKETING & AFTER SALES SERVICES MEDICAL and HEALTH INSURANCE 1. INTRODUCTION TO MEDICAL AND HEALTH INSURANCE 2. TYPES OF MEDICAL AND HEALTH INSURANCE 3. UNDERWRITING MEDICAL AND HEALTH INSURANCE 4. POLICY ADMINISTRATION 5. MEDICAL AND HEALTH INSURANCE CLAIMS PART B GENERAL INSURANCE 9. CHARACTERISTICS OF GENERAL INSURANCE PRODUCTS 10. THE CLASSES OF GENERAL INSURANCE BUSINESS AND GENERAL TAKAFUL BUSINESS 11. PRACTICE OF GENERAL INSURANCE-RISK ASSESSMENT, UNDERWRITING AND RATING 12. INSURANCE DOCUMENTS 13. PRACTICE OF INSURANCE CLAIMS 14. PRACTICE OF GENERAL INSURANCE-POLICY FORMS 15. PRACTICE OF GENERAL INSURANCE-ETHICS & CODE OF CONDUCT PART C LIFE INSURANCE 16. LIFE INSURANCE PRELIMINARIES 17. LIFE INSURANCE PRODUCTS 18. POLICY CONDITIONS 19. PRACTICE OF LIFE INSURANCE NEW BUSINESS-SELECTION OF LIVES AND OTHER ISSUES 20. PRACTICE OF LIFE INSURANCE-NEW BUSINESS-PREMIUM RATING 21. PRACTICE OF LIFE INSURANCE-MONITORING THE INSURANCE FUND 22. PRACTICE OF LIFE INSURANCE-POLICY DOCUMENTS 23. PRACTICE OF LIFE INSURANCE-CLAIMS 24. SOME MATHEMATICS 25. PRACTICE OF LIFE INSURANCE-ETHICS & CODE OF CONDUCT Withdrawal Withdrawal and postponement are not permissible after the closing date. However, a credit note valid for three(3) months to the value of 50% of the examination fees will be issued at the sole discretion of the Institute for the benefit of any candidate who is absent on account of illness and whose application for credit, supported by medical evidence reaches the Institute not later than four (7) days after the date of examination registered for.

Publication of Results Examination results will be notified about 10 working days after the examination. Notification of the results will be sent as follows : a) Candidates registered through member companies of PIAM or LIAM : Through the member company of PIAM or LIAM, which the candidate registered with, approximately ten (10) working days after the examination. b) Candidates registered directly with the Institute : By post to the individual candidates approximately ten (10) working days days after the examination. Result will also be published in the Institute website at www.insurance.com.my The decision of the Examination Committee is in every case final. No request for reconsideration or confirmation will be entertained. The Institute reserves the right to publish examination results whether successes or failures. Certificates

A certificate will be issued to each successful candidate unless the Board of the Institute in the exercise of its discretionary power decides to withhold it. Issuance of certificates will be as follows: a) Candidates registered through member companies of PIAM or LIAM : Through the member company of PIAM or LIAM, which the candidate registered with, approximately one (1) month from the date of issue of the result notification. b) Candidates registered directly with the Institute : Personally at the MII Information Centre, Kuala Lumpur, approximately one (1) month from the date of issue of the result notification. Where the candidate is unable to collect the certificate personally, the candidate may authorise someone in writing to collect the certificate on his/her behalf, or write in to the Examinations Department, Kuala Lumpur stating the candidates name, identity card number and the Candidates Examination Number (CEN) together with postage of RM5.00 (Peninsular Malaysia) / RM10.00 (Sabah & Sarawak). A late collection fee of RM5.00 will be charged if certificate is not collected after 4 months from the examination date.

If a certificate is defaced, lost or destroyed, it may be replaced upon a written declaration witnessed by a Commissioner for Oaths and stamped. The declaration is to be submitted to the Institute together with a certificate fee of RM15 (Ringgit Fifteen) before a new certificate can be issued. Every certificate issued or made by the Institute shall, not withstanding the payment of any fees and subscription, remain the property of the Institute and shall be returned by the recipient on demand thereof by the Institute. Examination Format

and Structure a)

The examination question paper shall consist of three parts ie. Part A, Part B and Part C. Part A Consisting of 50 questions, covers questions particular to Basics of Insuranc and Medical and Health Insurance. Part B Consisting of 50 questions, covers questions particular to General Insurance. Part C Consisting of 50 questions, covers questions particular to Life Insurance i. A candidate must satisfactorily complete Parts A and B (General Insurance route), or Parts A and C (Life Insurance route) before the candidate can be awarded the Pre-Contract Examination for Insurance Agents certificate in either General Insurance route or Life Insurance route respectively. ii. A candidate who has successfully completed a route (for example, the General Insurance route), may elect to sit the examination for the other route (for example, the Life Insurance route). In such instance, the candidate need only to attempt either Part B (General Insurance) or Part C (Life Insurance), whichever is appropriate. A candidate who wishes to sit for Part B or Part C only is required to attach a copy of the examination certificate, which must be certified as a true copy by the designated authorised person as provided under Regulation XIV of the Examination Handbook, together with the registration form. iii.Candidates who have passed the Certificate of Proficiency in General Insurance Examination will be precluded from registering for the Pre-Contract Examination for Insurance Agents General Routes (i.e. Parts A+B and Part B). Candidates who have passed the Life Insurance PreContract Examination or the Basic Examination for Life Insurance Agents (BELA) will be precluded from registering for the Pre-Contract Examination for Insurance Agents Life Routes (i.e. Parts A+C and Part C).

b)

c)

For Parts A & B and Parts A & C, the examination session is of two (2) hours duratio respectively. For Part B only and Part C only, the examination session is of one and a half (1 1/2)

hours duration respectively. Language The examination will normally be conducted in Bahasa Malaysia, English, Mandarin and Tamil. Candidates may register for the examination in any one of the languages offered at each examination. However the examination in Tamil language is only held once every 3 months. Change of Examination Centres, Routes and Languages No request for any change of examination centre, route or language will be considered. Candidates are, therefore, advised to be careful in the completion of the examination registration forms. Exemption Exemption from the Examination may be applied for by candidates who have obtained the qualifications mentioned below by examination or who have passed examinations which in the opinion of the Examination Committee are of an equivalent standard and scope. a) Qualifications for exemption under the General Insurance route :i) MII Diploma/Associateship of MII/Fellowship of MII ii) Associateship of CII/Fellowship of CII iii) Associateship of AII/Fellowship of AII iv) Certificate of Proficiency in General Insurance v) MII Foundation Course in General Insurance vi) MII Intermediate Refresher Course in General Insurance vii) MII Compact/Foundation/Intermediate Course for General Insurance Agents viii) MII Insurance Executive Development (IED) course xi) MII Certificate Course for General Insurance Agents x) ITM Certificate of Insurance/ITM Diploma in Business Studies (Insurance)/ITM Advance Diploma in Business Studies (Insurance) xi) UKM degree course in Insurance xii) UM degree course in Risk Management & Insurance b)Qualifications for exemption under the Life Insurance route :i) Basic Examination for Life Insurance Agents (BELA) ii) Life Insurance Pre-Contract Examination iii) MII Diploma/Associateship of MII/Fellowship of MII iv) Associateship of CII/Fellowship of CII v) Associateship of AII/Fellowship of AII vi) Life Assurance Salesmans Certificate vii) Associateship of the Institute of Actuaries viii) Associateship of the Society of Actuaries xi) Chartered Life Underwriter x) Fellow of the Life Management Institute xi) ITM Diploma in Business Studies (Life Insurance) xii) ITM Advanced Diploma in Business Studies (Insurance) with a pass in "Life & Health Insurance" xiii) Certificate of Insurance from SITC (Singapore) xiv) UKM degree course in Insurance

xvi) UM degree course in Risk Management & Insurance Applicants seeking exemption should apply to MII in writing, submitting certified copies of relevent certificate(s) and other documentary evidence of qualification together with a processing fee of RM20.00 payable to the MII. Copies of documentary evidence to be submitted must be certified as being true by the following designated authorized person

a) two Associates or Fellows of MII, or b) two Officers of MII, or c) any two of: the General Manager of the Principal Insurance Company, the Branch Manager of the Principal Insurance Company, a member of the MII Branch Committee and an Associate or Fellow of MII or d) a Commissioner for Oaths. The decision of the Examination Committee in processing applications for exemption is in every case final and no request for reconsideration or confirmation will be entertained.

Powers under the Memorandum and Articles of Association Under the Memorandum and Articles of Association of the Institute, the Board may make, alter or revoke from time to time rules providing for all matters relating to the examinations of the Institute. The Institute reserves the right to withdraw, withhold or invalidate the results or certificates at any time pertaining to any alleged breach of examination regulations and procedures. Breach of Examination Regulations The Board of the Institute and/or its empowered authority will take disciplinary action in relation to any examination candidates found guilty of any dishonorable or unprofessional conduct or committing any breach of examination rules, regulations or procedures. The decisions of the Board and/or the empowered authority shall be final and binding. Liability of the Institute If the Institute, for reasons outside its control should find it impossible to hold any of its scheduled examinations or if a candidates completed examination answer sheet is lost or destroyed, the Institutes liability shall be limited to a complete refund of the examination fee paid in respect of the examination concerned. EXAMINATION ENTRY PROCEDURES Pre-Registered Examination Examination Registration Forms Registration must be done through the prescribed examination registration forms. These forms can be obtained from the MII. Details on the examination registration forms must be carefully completed. Any incomplete form will be rejected. All examination registration forms and payment must be submitted to

THE MALAYSIAN INSURANCE INSTITUTE before the closing date.

All examination registration forms must be submitted together with a copy of the SPM/MCE certificate. See entry requirement. a) Candidates registered through member companies of PIAM or LIAM: Through the member company of PIAM or LIAM, which the candidate intends to register with. b) Candidates registered directly with the Institute : Direct to The Malaysian Insurance Institute, Kuala Lumpur.

2. Examination Fees All examination registration forms must be accompanied by an examination fee as follows : i. For Parts A & B : RM50.00 ii. For Parts A & C : RM50.00 iii. For Part B only : RM35.00 iv. For Part C only : RM35.00 All payments must be made by Bank Draft, Postal Order or Money Order and drawn in favour of "THE MALAYSIAN INSURANCE INSTITUTE". Personal cheque will not be accepted. All examination registration forms and fees must reach the Institute before the closing date of the examination registered for. Examination Entry Permit All examination entry permits containing details of the candidate, the date, time and venue of the examination will be forwarded to the candidates as follows: a) Candidates registered through member companies of PIAM or LIAM: Through the member company of PIAM or LIAM, which the candidate registered with, prior to the date of the examination registered for. Candidates registered directly with the Institute: b) By post prior to the date of the examination registered for. Candidates must produce this Examination Entry Permit together with their identity card at the examination hall. Failure to do so will bar the candidate from the examination. Candidates who have not received their examination entry permit three (3) days before the examination date registered for should contact the Institute immediately. A fee will be charged for the issue of a duplicate entry permit. Late Entry Examination Details of the Late Entry Registration are as follows: 1. Eligibility : Only applicants with endorsement of a member company of PIAM or LIAM on their examination entry registration forms will be eligible for the Late Entry registration. Registration will be on a first-come-first-served basis. 2. Closing Date: Please refer to examination schedule.

3. Late Registration Fee : i. For Parts A & B : RM55.00 ii. For Parts A & C : RM55.00 iii. For Part B only : RM45.00 iv. For Part C only : RM45.00 4. Registration Procedures i. Endorsement : All registration forms must be duly endorsed (ie. chopped and signed) by a member company of PIAM or LIAM ii. Submission of Registration Forms : Forms duly endorsed may be forwarded to MII by mail, through courier service, or by hand directly over the counter at the MII Information Centre, Kuala Lumpur. They may be sent in through member companies of PIAM or LIAM or by the individual applicants. The forms must reach MII before the closing date. Proof of posting will not be proof of receiving. iii. Mode of payment : Payment must be in the form of Postal Order, Money order or Bank Draft made payable to The Malaysian Insurance Institute. Personal cheques will not be accepted. iv. Examination Entry Notification : Examination entry permit will be issued to candidates only through member companies of PIAM or LIAM as indicated on the examination registration form. This permit will also serve as MIIs official receipt. Candidates are advised to contact their Principal Insurance Company if they have not received the Examination Entry Permit one day before the examination date. v. Important Note : Incomplete registration forms will be rejected. Rejected forms together with the payment will be returned to the member company of PIAM or LIAM indicated in the registration form. vi. Collection of Examination Entry Permit : Member companies of PIAM or LIAM are expected to collect the examination entry permits from MII on the morning of the Monday on the week of the examination (5 days before the examination date). Member companies of PIAM or LIAM must ensure that each candidate receives the entry permit before the examination. vii.Forms Received After The Late Entry Closing Date : These registration forms will be processed for the next examination date (i.e. 3 weeks later). No refund will be made for the difference in amount.

Certificates A certificate will be issued to each successful candidate unless the Board of the Institute in the exercise of its discretionary power decides to withhold it. Issuance of certificates will be as follows: Candidates registered through member companies of PIAM or LIAM : Through the member company of PIAM or LIAM, which the candidate registered with, approximately one (1) month from the date of issue of the result notification. Candidates registered directly with the Institute : Personally at the MII Information Centre, Kuala Lumpur, approximately one (1) month

a)

b)

from the date of issue of the result notification. Where the candidate is unable to collect the certificate personally, the candidate may authorise someone in writing to collect the certificate on his/her behalf, or write in to the Examinations Department, Kuala Lumpur stating the candidates name, identity card number and the Candidates Examination Number (CEN) together with postage of RM5.00 (Peninsular Malaysia) / RM10.00 (Sabah & Sarawak). A late collection fee of RM5.00 will be charged if certificate is not collected after 4 months from the examination date.

If a certificate is defaced, lost or destroyed, it may be replaced upon a written declaration witnessed by a Commissioner for Oaths and stamped. The declaration is to be submitted to the Institute together with a certificate fee of RM15 (Ringgit Fifteen) before a new certificate can be issued. Every certificate issued or made by the Institute shall, not withstanding the payment of any fees and subscription, remain the property of the Institute and shall be returned by the recipient on demand thereof by the Institute. Examination Format and Structure a) The examination question paper shall consist of three parts ie. Part A, Part B and Part C. Part A Consisting of 50 questions, covers questions particular to Basics of Insurance and Medical and Health Insurance. Part B Consisting of 50 questions, covers questions particular to General Insurance. Part C Consisting of 50 questions, covers questions particular to Life Insurance b)i. A candidate must satisfactorily complete Parts A and B (General Insurance route), or Parts A and C (Life Insurance route) before the candidate can be awarded the Pre-Contract Examination for Insurance Agents certificate in either General Insurance route or Life Insurance route respectively. ii. A candidate who has successfully completed a route (for example, the General Insurance route), may elect to sit the examination for the other route (for example, the Life Insurance route). In such instance, the candidate need only to attempt either Part B (General Insurance) or Part C (Life Insurance), whichever is appropriate. A candidate who wishes to sit for Part B or Part C only is required to attach a copy of the examination certificate, which must be certified as a true copy by the designated authorised person as provided under Regulation XIV of the Examination Handbook, together with the registration form. iii.Candidates who have passed the Certificate of Proficiency in General Insurance Examination will be precluded from registering for the Pre-Contract Examination for Insurance Agents

General Routes (i.e. Parts A+B and Part B). Candidates who have passed the Life Insurance Pre-Contract Examination or the Basic Examination for Life Insurance Agents (BELA) will be precluded from registering for the Pre-Contract Examination for Insurance Agents Life Routes (i.e. Parts A+C and Part C). c) For Parts A & B and Parts A & C, the examination session is of two (2) hours duration respectively. For Part B only and Part C only, the examination session is of one and a half (1 1/2) hours duration respectively.

Language The examination will normally be conducted in Bahasa Malaysia, English, Mandarin and Tamil. Candidates may register for the examination in any one of the languages offered at each examination. However the examination in Tamil language is only held once every 3 months. Change of Examination Centres, Routes and Languages No request for any change of examination centre, route or language will be considered. Candidates are, therefore, advised to be careful in the completion of the examination registration forms. Exemption Exemption from the Examination may be applied for by candidates who have obtained the qualifications mentioned below by examination or who have passed examinations which in the opinion of the Examination Committee are of an equivalent standard and scope. a) Qualifications for exemption under the General Insurance route :i) MII Diploma/Associateship of MII/Fellowship of MII ii) Associateship of CII/Fellowship of CII iii) Associateship of AII/Fellowship of AII iv) Certificate of Proficiency in General Insurance v) MII Foundation Course in General Insurance vi) MII Intermediate Refresher Course in General Insurance vii) MII Compact/Foundation/Intermediate Course for General Insurance Agents viii) MII Insurance Executive Development (IED) course xi) MII Certificate Course for General Insurance Agents x) ITM Certificate of Insurance/ITM Diploma in Business Studies (Insurance)/ITM Advance Diploma in Business Studies (Insurance) xi) UKM degree course in Insurance xii) UM degree course in Risk Management & Insurance b)Qualifications for exemption under the Life Insurance route :i) Basic Examination for Life Insurance Agents (BELA) ii) Life Insurance Pre-Contract Examination iii) MII Diploma/Associateship of MII/Fellowship of MII iv) Associateship of CII/Fellowship of CII

v) vi) vii) viii) xi) x) xi) xii)

Associateship of AII/Fellowship of AII Life Assurance Salesmans Certificate Associateship of the Institute of Actuaries Associateship of the Society of Actuaries Chartered Life Underwriter Fellow of the Life Management Institute ITM Diploma in Business Studies (Life Insurance) ITM Advanced Diploma in Business Studies (Insurance) with a pass in "Life & Health Insurance" xiii) Certificate of Insurance from SITC (Singapore) xiv) UKM degree course in Insurance xvi) UM degree course in Risk Management & Insurance Applicants seeking exemption should apply to MII in writing, submitting certified copies of relevent certificate(s) and other documentary evidence of qualification together with a processing fee of RM20.00 payable to the MII. Copies of documentary evidence to be submitted must be certified as being true by the following designated authorized person a) two Associates or Fellows of MII, or b) two Officers of MII, or c) any two of: the General Manager of the Principal Insurance Company, the Branch Manager of the Principal Insurance Company, a member of the MII Branch Committee and an Associate or Fellow of MII, or d) a Commissioner for Oaths. The decision of the Examination Committee in processing applications for exemption is in every case final and no request for reconsideration or confirmation will be entertained.

Powers under the Memorandum and Articles of Association Under the Memorandum and Articles of Association of the Institute, the Board may make, alter or revoke from time to time rules providing for all matters relating to the examinations of the Institute. The Institute reserves the right to withdraw, withhold or invalidate the results or certificates at any time pertaining to any alleged breach of examination regulations and procedures. Breach of Examination Regulations The Board of the Institute and/or its empowered authority will take disciplinary action in relation to any examination candidates found guilty of any dishonorable or unprofessional conduct or committing any breach of examination rules, regulations or procedures. The decisions of the Board and/or the empowered authority shall be final and binding. Liability of the Institute If the Institute, for reasons outside its control should find it impossible to hold any of its scheduled examinations or if a candidates completed examination answer sheet is lost or destroyed, the Institutes liability shall be limited to a complete refund of the examination fee paid in respect of the examination

concerned. EXAMINATION ENTRY PROCEDURES Pre-Registered Examination Examination Registration Forms Registration must be done through the prescribed examination registration forms. These forms can be obtained from the MII. Details on the examination registration forms must be carefully completed. Any incomplete form will be rejected. All examination registration forms and payment must be submitted to THE MALAYSIAN INSURANCE INSTITUTE before the closing date. All examination registration forms must be submitted together with a copy of the SPM/MCE certificate. See entry requirement. a) Candidates registered through member companies of PIAM or LIAM: Through the member company of PIAM or LIAM, which the candidate intends to register with. b) Candidates registered directly with the Institute : Direct to The Malaysian Insurance Institute, Kuala Lumpur.

2. Examination Fees All examination registration forms must be accompanied by an examination fee as follows : i. For Parts A & B : RM50.00 ii. For Parts A & C : RM50.00 iii. For Part B only : RM35.00 iv. For Part C only : RM35.00 All payments must be made by Bank Draft, Postal Order or Money Order and drawn in favour of "THE MALAYSIAN INSURANCE INSTITUTE". Personal cheque will not be accepted. All examination registration forms and fees must reach the Institute before the closing date of the examination registered for. Examination Entry Permit All examination entry permits containing details of the candidate, the date, time and venue of the examination will be forwarded to the candidates as follows: a) Candidates registered through member companies of PIAM or LIAM: Through the member company of PIAM or LIAM, which the candidate registered with, prior to the date of the examination registered for. Candidates registered directly with the Institute: b) By post prior to the date of the examination registered for. Candidates must produce this Examination Entry Permit together with their identity card at the examination hall. Failure to do so will bar the candidate from the examination. Candidates who have not received their examination entry permit three (3) days before the examination date registered for should contact the Institute immediately. A fee will be charged for the issue of a duplicate entry permit. Late Entry Examination

Details of the Late Entry Registration are as follows: 1. Eligibility : Only applicants with endorsement of a member company of PIAM or LIAM on their examination entry registration forms will be eligible for the Late Entry registration. Registration will be on a first-come-first-served basis. 2. Closing Date: Please refer to examination schedule. 3. Late Registration Fee : i. For Parts A & B : RM55.00 ii. For Parts A & C : RM55.00 iii. For Part B only : RM45.00 iv. For Part C only : RM45.00 4. Registration Procedures i. Endorsement : All registration forms must be duly endorsed (ie. chopped and signed) by a member company of PIAM or LIAM ii. Submission of Registration Forms : Forms duly endorsed may be forwarded to MII by mail, through courier service, or by hand directly over the counter at the MII Information Centre, Kuala Lumpur. They may be sent in through member companies of PIAM or LIAM or by the individual applicants. The forms must reach MII before the closing date. Proof of posting will not be proof of receiving. iii. Mode of payment : Payment must be in the form of Postal Order, Money order or Bank Draft made payable to The Malaysian Insurance Institute. Personal cheques will not be accepted. iv. Examination Entry Notification : Examination entry permit will be issued to candidates only through member companies of PIAM or LIAM as indicated on the examination registration form. This permit will also serve as MIIs official receipt. Candidates are advised to contact their Principal Insurance Company if they have not received the Examination Entry Permit one day before the examination date. v. Important Note : Incomplete registration forms will be rejected. Rejected forms together with the payment will be returned to the member company of PIAM or LIAM indicated in the registration form. vi. Collection of Examination Entry Permit : Member companies of PIAM or LIAM are expected to collect the examination entry permits from MII on the morning of the Monday on the week of the examination (5 days before the examination date). Member companies of PIAM or LIAM must ensure that each candidate receives the entry permit before the examination. vii.Forms Received After The Late Entry Closing Date : These registration forms will be processed for the next examination date (i.e. 3 weeks later). No refund will be made for the difference in amount.

SPM/MCE Definition

a. The SPM or MCE qualification with 5 passes includes a pass in Bahasa Malaysia. The remaining 4 pa can come from any other subjects taken under the SPM/MCE qualification. b. Other qualifications deemed equivalent or higher than the SPM/MCE qualification are in the below lis IPA (Institut Pengajian Awam) Qualifications Sijil Tinggi Persekolahan (STPM) / Higher School Certificate (HSC) under Ministry of Education, 1. Malaysia 2. Unified Examination - Senior Middle Section with minimum 5 passes, under the Unified Exam Certificate (UEC) for Independent Chinese Secondary School In Malaysia 3. Sijil Pelajaran Vokasional Malaysia (SPVM) with minimum 5 passes, under the Ministry of Educat Malaysia 4. Sijil Am Pelajaran (SAP) with minimum 5 passes including Bahasa Malaysia, under the Ministry o Education Malaysia 5. General Certificate of Education (GCE) / "O" Levels with minimum 5 passes under the Ministry of Education Malaysia or Singapore-Cambridge General Certificate of Education

IPTA (Institu Pengajian Tinggi Awam) Qualifications Degrees from Institute of Higher Learning under the Ministry of Education. i.e University Malaya, U 1. UITM etc. 2. Diplomas from Institute of Higher Learning under the Ministry of Education. i.e University Malaya Politeknik Ungku Omar etc. 3. Certificates from Institute of Higher Learning under the Ministry of Education (provided the candid had formal education up to FORM Five) i.e Sijil Kejuruteraan Elektrik from Politeknik Ungku Om

IPTS (Institut Pengajian Tinggi Swasta) Qualifications 1. Degrees from local or overseas Institution oh Higher Learning (Universities/Colleges/Polytechnics) 2. Diplomas (duration of cource must be at least one year with an examination as part of assessment or least 5 subjects/modules (examination based) passed from local or overseas Private Institute of High Learning (provoded the candidate had formal education up to Form Five)