| Rank | R.I. | Problems |
|---|---|---|
| 1 | 0.56 | Inaccessibility to relevant documents accompanied with claims |
| 2 | 0.55 | Lack of skilled staffs for preparing claim submission |
| 3 | 0.46 | Unclear procedures of claim presentation |
| 4 | 0.45 | Unclear responsible person to prepare full report of claim presentation |
| 5 | 0.44 | No standard format of claim submission |
| 6 | 0.41 | Inadequate time to thoroughly prepare due to high workload |
| 7 | 0.32 | Poor communication to present a claim |