Overseas Assurance Corporation

Underwritten by Overseas Assurance Corporation (Malaysia) Berhad

OAC Easi-HealthCare

This is a standalone medical insurance that provides you with quality medical treatment to ensure your loved-ones have the protection they need at all times.

    • Hospital Accommodation Up To 180 Days
    • Family Discount Starting At 5%
    • 15-Day Cancellation Refund
View product disclosure sheet.


How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM50000 up to RM200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM200000 up to RM800000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM120 up to RM400per day up to 180 days
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day up to 180 days
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged one visit per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM10000 up to RM50000per year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM10000 up to RM50000per year
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM10000 up to RM50000
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM100 up to RM200per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM50 up to RM200
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 26 weeks
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM75 up to RM100
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Ming who has just turned 28 is frugal and spends only when necessary. He is satisfied with an ordinary plan.

    Suggested PremiumRM519.00
    Get Quote
  • Machinery Operator

    Matthew lives on his own and has a stable income as a crane operator. Being in his late 30s, he has saved enough to get a better coverage.

    Suggested PremiumRM855.00
    Get Quote
  • Young Entrepreneur

    After going through all the hardship as an entrepreneur, 30 years old Miyuko wants the best for herself.

    Suggested PremiumRM1008.00
    Get Quote

Actual premium rates will be determined by Overseas Assurance Corporation (Malaysia) Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Whether you are requesting reimbursement for medical bills incurred from hospitalisation or bodily injury treatment, OAC has a dedicated team to assist you!

To report a claim, don't be shy to call their claims care hotline at 03 2786 1111 or 03 27861122. Alternatively, you can send an email to [email protected] They will guide you step by step to the very end of your claim process.

They are gonna ask for a few important documents as described below to support your claim, get them ready and keep them safe before they are lost mysteriously:

  1. Completed claim form (Hospitalisation and Surgical or Accidental Injury)
  2. Medical report
  3. Original medical bills
  4. Original medical receipt
  5. Completed E-payment form
  6. Bank statement showing only your account number and account holder name
Medical Assistance Hotline & Services
 1300130018 24-hour worldwide assistance services
Overseas Assurance Corporation Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 year of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 80 years of age

Frequently Asked Questions about OAC Easi-HealthCare

Things you might want to know

What is the OAC Easi-Health Care?

The Easi-Health Care is a medical insurance plan offered by the Overseas Assurance Corporation (OAC). It is a policy that comes with different plans within it to suit the needs of people from different walks of life. With the policy, you will be provided with 24-hr worldwide insurance coverage and round-the-clock hassle-free admissions to all their Panel hospitals nationwide.

How much does it cover?

Being a comprehensive insurance policy, it will cover all hospital and medical fees as well as the use of all hospital equipment. The policy will take care of all room charges and surgical fees as well. Of course, like most policies this includes the use of the ICU and such.

An additional perk of having this policy is the post hospitalization care that you can utilize should you need it. This policy provides coverage for accidents and emergency medical attention, out-patient cancer treatment, kidney dialysis treatment, physiotherapy and home nursing. The best part is all you have to do is ask.

Another thing you get with this particular plan is, emergency dental surgery and organ transplant in special cases. So it really does look after you in every aspect.

What do I need, to get the policy?

Well first off, the plan is only open to Malaysians and Permanent Residents of Malaysia. You will either need to be 18 years old to pick up the plan as an individual or the minimum age of 30 days, for parents who want to purchase the policy for your kids. Maximum entry age for this plan is 60 years old, but after that you can continue to renew it for a while.

Is there a family plan available?

The Easi-Health Care is available to families and if you do have get the family plan then you’ll get a 5% discount off your premiums. Simply add your spouse and kids into the plan and, voila.

Do I need to go for a medical examination?

If you are below the age of 50 when applying then, there is no necessity for you do undergo a medical examination for the purpose of the policy. However, if you are 50 years and above, then you might be required to. On that note, OAC is at liberty to request that you do a medical exam at random before issuing the policy to you.

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