Overseas Assurance Corporation

Underwritten by Overseas Assurance Corporation (Malaysia) Berhad

OAC Family Protector Personal Accident Insurance

Protect all your family members and yourself financially with OAC personal accident insurance within your budget.

    • Up to RM300k Accidental Death Benefit
    • Up to RM300k 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 family
  • Renewal Bonus
    5% increase of sum assured up to 25%


How much you can claim for OAC Family Protector Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM300000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM300000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM1000 up to RM8000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      RM500 per accident
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
    • Compassionate Cover
      Extra cash benefit to family of policyholder if death is because of an accident.
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM50 up to RM300 per week up to 26 weeks
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
    • Prostheses
      Total cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
    • Miscellaneous Benefits
      OAC Family Protector Personal Accident Insurance also provides the following benefit:
      Guardian allowance
      Examiniation fees reimbursement
      Air ticket reimbursement
      Car loan repayment
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Mr. Siew and his wife spend only when necessary. He plans to get protection for his family in case of unexpected accident.

    Suggested PremiumRM212.00
    Get Quote
  • Family

    Gadura is going all out to look for the best OAC family PA insurance.

    Suggested PremiumRM752.60
    Get Quote
  • Machinery Operator

    Mr. Han and his wife have stable income jobs. They want to protect themselves and their only child with a comprehensive PA insurance. 

    Suggested PremiumRM678.40
    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 a personal accident claim, you need to notify Overseas Assurance Corporation Malaysia immediately at 1300131088 upon happening of the accident. OAC will guide you on the claim procedures.

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

  • 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?

Frequently Asked Questions about OAC Family Protector Personal Accident Insurance

Things you might want to know

How does the OAC Family Protector work?

This is a personal accident insurance plan designed to look after not only you but your family as well, therefore you will get to save on individual premiums, managing multiple policies and have peace of mind that your family will always be taken care of. It is a comprehensive policy that looks after all the same issues that could affect an adult, while extending that protection to a child as well.

What does the plan cover?

Much like its other counterparts the OAC Family Protector Personal Accident plan will offer coverage against accidental death and permanent disability, along with medical expenses, funeral expenses, repatriation benefits, and a hospital income. This does not include the additional covers that come with the policy.

The additional benefits offered by this policy includes a guardian’s allowance where if you have a child who is hospitalized, OAC will pay you a weekly allowance if you have to be away from work to look after them. The conditions for this benefit is that the child in question is between 15-days and 15 years old. Similarly, if your child is unable to attend examinations due to hospitalization then OAC will offer reimbursement for the cost of the examination up to RM3000.

Another piece of coverage that this policy comes with is the reimbursement cover for the purchase of prosthesis should you need it.

Is there a no claim bonus?

Yes, there is. For every year that no claim is made and the policy is renewed there will be a 5% increase in the capital sum insured. The increase will continue steadily to a maximum of 25%. On that note, similar to your faithfulness to the policy, there is a long marriage bonus as well, where the longer you and your spouse are together the higher your Accidental Death benefit becomes.

Who can apply for this plan?

The plan is open to families, so anyone over the age of 18, married and have a child can sign up for the policy whenever you want. Children covered under the policy must be more than a year old and can stay under the protection umbrella until they turn 18, or 23 should they still be full time students.

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