Overseas Assurance Corporation

Underwritten by Overseas Assurance Corporation (Malaysia) Berhad

OAC Platinum Personal Accident Insurance

Protect yourself with the best personal accident insurance with the extensive sum assured benefits of up to RM5 million.

    • Up to RM5m Accidental Death Benefit
    • Up to RM5m TPD Benefit
    • Up to RM50000 Medical Expenses Benefit
    • Refund On Early Cancellation


What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 65 years of age
  • Worldwide Assistance
    24-hour worldwide coverage


How much you can claim for OAC Platinum Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM1000000 up to RM5000000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM1000000 up to RM5000000
  • 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 RM10000 up to RM50000
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      up to RM1000000
    • Visitation Allowance
      For your family to visit you at the hospital without having to worry about cost of travel and other expenses.
      RM1000 per day up to RM4000 per accident
    • Home Nursing
      How much you can claim for home nursing care, if certified by a hospital following an accident.
      from RM100 up to RM200 per day
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      from RM up to RM50 per visit and up to RM500 per accident
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM1000000 up to RM5000000
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Kamil is a bread winner of the family. He thinks that he should subscribe to personal accident insurance as financial security.

    Suggested PremiumRM1259.28
    Get Quote
  • Young Entrepreneur

    30 years old Helen is a successful entrepreneur who is looking for the best personal accident insurance plan to secure herself from unexpected accidents.

    Suggested PremiumRM5128.28
    Get Quote
  • Retiree

    Mr. Wang decided to get a comprehensive personal accident insurance plan with high sum assured. 

    Suggested PremiumRM3061.28
    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

When you need to make a claim with OAC it is advised that you first contact them at either 1 300 13 1088 or email them at [email protected] and await for further instruction. 

However you could also take a proactive step and download their claims form and get to gathering some key documents.

  • Medical report by attending physician
  • Original bills and Medical receipts
  • Copy of police reports (if applicable)
  • Original statements that offer proof of payment. 

Of course, the documentation you will need to compile will vary depending on the type of claims you are making. So you can look at the OAC documents checklist for further information on what you might need.

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
Who can Apply
  • Malaysians
  • Permanent residents

Frequently Asked Questions about OAC Platinum Personal Accident Insurance

Things you might want to know

What is this OAC Platinum PA all about?

The OAC Platinum Personal Accident insurance policy is an advanced care policy for individuals who want a little extra care and need more of a contingency plan with their lives. It offers you wider coverage with better benefits to help your protection go further.

How much does it cover exactly?

So, aside from death, permanent disablement, medical expenses and personal liability the policy also looks after you in an array of unfortunate circumstances. From motorcycling accidents to, unprovoked murder or assault there is a list of things that will allow you to invoke the use of this policy.

With this PA you will have financial protection and stability if you find yourself as a bystander of a strike or riot, a victim of a hijacking, natural disaster, snake of venomous insect bites, drowning and food poisoning. The personal liability clause of this policy stretches further than most, so you can be sure, that you have the best care always.

What are the other benefits of this plan?

Well if you needed home nursing care services after an accident you’ve had, then the plan will reimburse you for the services of a registered nurse up to RM200 per day up to a maximum of 60 days, to aid your recovery. Also if you find yourself with car troubles and don’t know who to call, then you can contact OAC as they will offer you 24-hour emergency towing and roadside assistance with this insurance policy. OAC will also pay up to a maximum of RM300 in repair or towing charges to help ease up your finances.

Who can apply for this policy?

The age band for this protection starts when you are eligible to buy the insurance at the age of 18. Since this is an individual insurance plan, then you will need to have a discussion with your insurance agent about the terms of adding your spouse of child under the plan protection.

Maximum entry age for this plan is 65 years old.

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