Overseas Assurance Corporation

Underwritten by Overseas Assurance Corporation (Malaysia) Berhad

OAC Easi-Protector Personal Accident Insurance

Unlike a basic personal accident insurance, you can get more protection with weekly benefits when you are insured under OAC Easi-Protector.

    • Up to RM500k Accidental Death Benefit
    • Up to RM500k TPD Benefit
    • Up to RM8000 Medical Expenses Benefit
    • Refund On Early Cancellation
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% Sum assured for accidental death and permanent disablement


How much you can claim for OAC Easi-Protector Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM25000 up to RM500000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM25000 up to RM500000
  • 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 RM2000 up to RM8000
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM50000 up to RM1000000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      up to RM200 per accident
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM1000 up to RM5000
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      up to RM25 per visit up to RM250 per accident
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM25000 up to RM250000
    • Temporary Partial Disablement
      Partial compensation if you are temporarily only able to perform limited work after an accident.
      from RM25 up to RM300
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Shan Shan is on career track and she wants to purchase an affordable personal accident insurance plan. 

    Suggested PremiumRM169.60
    Get Quote
  • Machinery Operator

    Lucas is having a high risk job. He thinks that he should get a comprehensive personal accident insurance plan to cover his financial risk if unexpected accident happened.

    Suggested PremiumRM596.78
    Get Quote
  • Business Traveller

    Mr. Ewe is always on travelling trips. He realises that he should get a PA plan against unexpected accidents events.

    Suggested PremiumRM915.84
    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

For any personal accident claim, you can notify Overseas Assurance Corporation Malaysia at 1300131088. 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 (NRIC)
  • 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 Easi-Protector Personal Accident Insurance

Things you might want to know

So tell me about the OAC Easi-Protector

As the name suggests this is an insurance policy released by the Overseas Assurance Corporation to help you ensure a certain level of protection on yourselves. It will help you maintain both financial and medical protection in case of a crisis as well as provide your family some assurance in case something unfortunate were to happen to you.

Not only will this policy protect you if you were to be in an accident of any kind, but it also will protect you while traveling, both by air and motorcycle. It even has your back if you want to take up a new sport.

How much does the policy cover?

The policy will definitely cover accidental death and permanent disablement, as does most personal accident insurance plans. However this one also comes with a bereavement allowance coverage for ambulance fees and a renewal bonus. Every year without a claim made will increase the principal sum by 10%. It can go up to a maximum of 50% more of the sum assured before it stagnates.

The Easi-Protector also offers you coverage for sinseh and traditional treatments for up to RM25 per visit or RM250 per accident. It will allow you to explore alternative actions when modern medicine doesn’t cut it.

Aside from that, this policy takes into consideration that sometimes accidents may not always result in the blaring lights of an ambulance and a police escort. Therefore should you find yourself in an automotive pinch, you can always consult OAC for their Car Assistance Program. It will tap into a specific branch of partnership with the Asia Assistance Network (M) Sdn Bhd (ANN). They will provide you with road-side assistance, transport arrangement and hotel accommodation and reimbursement for towing and repairs up to a total of RM300.

Who is eligible to apply?

Anyone over the age of 18 years can comfortably pick up this plan whenever they need, but parents who want to purchase this plan for their kids might need to consult OAC or your insurance agent beforehand. The maximum entry age for this plan is 65 years old.

However if you are already a policy holder before you turn 65, or before your 65th birthday, then you can continue to renew the policy till the age of 70.

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