Overseas Assurance Corporation

Underwritten by Overseas Assurance Corporation (Malaysia) Berhad

OAC Classic Personal Accident Insurance

Stay safe and financially sound with a PA Insurance plan that provides cover for personal liability, including weekly benefits if you aren't able to work due to an accident. What's more, this cover also applies to motorcyclist at minimal extra charge on your premiums!

    • Up to RM750k Accidental Death Benefit
    • Up to RM750k TPD Benefit
    • Up to RM10000 Medical Expenses Benefit
View product disclosure sheet.


What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 70 years of age
  • Worldwide Assistance
    24-hour worldwide assistance
  • Renewal Bonus
    10% increase of sum assured up to 50%


How much you can claim for OAC Classic Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM25000 up to RM750000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM25000 up to RM750000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    from RM50 up to RM600
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM1000 up to RM10000
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM2000 up to RM7000
    • Cash Allowance At Government Hospital
      Extra cash if you're involved in an accident and admitted to a public hospital.
      from RM25 up to RM50 per day
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM25000 up to RM300000
    • Temporary Partial Disablement
      Partial compensation if you are temporarily only able to perform limited work after an accident.
      from RM25 up to RM300
    • Miscellaneous Benefits
      OAC Classic Personal Accident Insurance also provides the following benefit:
      Total Paralysis
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Damo is a sales assistant who gets a little extra on his commission each month. He wants a basic and affordable PA insurance plan. 

    Suggested PremiumRM105.00
    Get Quote
  • Machinery Operator

    Sreen rides a motorcycle to work every day. He'd like to protect himself from unexpected accident and not worry about his hospital bills. 

    Suggested PremiumRM581.00
    Get Quote
  • Young Entrepreneur

    Emy has a business and two kids that she has to worry about. Financial protection is on top of her list in case she has a bad injury or car accident.

    Suggested PremiumRM779.00
    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

If you're eligible for the claim, you can notify Overseas Assurance Corporation Malaysia at 03-2786 1111 and 03-2786 1122. The OAC customer service representative will advise you on the course of action. 

Alternatively, you can email OAC at [email protected] to submit your completed claim form and supporting documents for speedy claim. 

  • Medical report completed by the attending physician
  • Completed e-payment form
  • Copy of front page of savings account book or bank statement showing account holder name and account number

On top of that, OAC requests the following documents for each type of claim.

For medical expenses claim, you will need to submit original medical bills and receipts.

For temporary disablement claim, OAC requests a copy of medical certificate.

For motor vehicle accident claim, you're requested to submit copy of police report and valid driving license at the time of accident 

For death related claim, here's the requested documents.

  • Copy of death certificate
  • Copy of post mortem report
  • Copy of marriage certificate or birth certificate
  • Copy of insured person and claimant's Identification Card (IC)
  • Letter of administration for death related claim above RM100000 and no nominee on policy
Customer Service Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 18 years of age
Maximum Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

Frequently Asked Questions about OAC Classic Personal Accident Insurance

Things you might want to know

What’s good about the OAC Classic Personal Accident?

Well, it is a personal accident insurance plan in its most essential form, with no frills but still has the essence of a most comprehensive protection plan. The Classic PA is perfect for someone operating on a budget and low risk lifestyle and simply wants to have some peace of mind on a daily basis.

How much does it cover then?

Of course, the policy will cover accidental death and permanent disability, two of the most affecting results of accidents. However, the policy also covers total paralysis with weekly benefits for temporary or partial disablement, medical expenses including coverage for when you decide to try out alternative traditional medical treatments and Sinseh.

The Classic PA offers comprehensive 24hour worldwide coverage against a wide range of events or social crimes that might befall you as per the list below;

  • Unprovoked murder or assault
  • Strikes, riots and civil commotion
  • Hijacking
  • Natural disasters such as earthquake, flood, La Nina & El Nino
  • Intoxication by alcohol or drugs
  • Animal or snake bites and venomous insect stings
  • Food poisoning
  • Drowning
  • Inhalation of poisonous gas
  • Exposure to natural elements
  • Disappearances due to an accident

So, you know that, no matter what this policy has always got your back.

Are there any additional benefits?

Of course, there are no frills attached to this plan, but it will offer you double the coverage to attempt to ensure your safety at all times. Therefore, the policy will offer reimbursement for the purchase of a prostheses should you need it. Double indemnity and personal liability are also covered along with the miscellaneous ambulance fee.

There is also a renewal bonus that comes as a perk from the plan. For every year that no claim is made and the policy is renewed the Capital Sum Insured will increase by 10%. It will continue to increase to a maximum of 50%.

Who can apply for this policy?

The minimum age for application is 18 years old, and the maximum age for entry is 65 years old. After which you can continue to renew the plan till the age of 70.

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