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Escalating medical and surgical costs is a fact of life. In order to overcome the financial burden associated with an illness or accident, it is imperative that you are well protected at all times.
With that in mind, we are proud to introduce the OAC Easi-Health Medical Plan. It is a customised Plan with four choices to choose from, all designed to provide a hassle-free, 24-hour comprehensive medical and surgical insurance coverage for you and your family members.
OAC Easi-Health Medical Plan is a yearly renewable medical insurance plan that provides the necessary funds to cover medical, surgical, hospitalisation and related expenses incurred in the event of a diagnosed illness or accident including any of the 36 dread diseases.
Created specially to provide exclusive medical benefits at an affordable cost to you and your family members, the OAC Easi-Health Medical Plan is one of the simplest and most cost-effective medical plans available today.
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 Four Customised Plans to Suit Your Needs
Your medical, surgical, hospitalization and emergency accidental out-patient treatment, organ transplant and home nursing needs are covered under our customized Plans. In addition to the Basic Benefits, it also offers Additional Enhanced Benefits such as government hospital daily cash allowance, out-patient cancer treatment, outpatient kidney dialysis, accidental death benefit, and dread disease benefit. You can select the Plan that best suits your needs.
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 Lump Sum Payment with High Annual Overall
Limit
Lump sum payment for covered expenses incurred on an as-charged basis up to a maximum Family Annual Limit of RM500,000 depending on the Plan you choose.
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 Cash Allowance
Hospitalization in a government hospital entitles you to a daily cash allowance of up to RM200 per day.
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 OAC Health Care Card
(24-Hour Worldwide Medical and Emergency Assistance)
With this privileged card, you and your family members are assured of round- the-clock medical assistance, which includes:
- Deposit-less Facility* for hospital admission to more than 50 panel hospitals within Malaysia (may be revised from time to time) as long as your policy is duly in force.
- Emergency Assistance Services that provide both domestic and international emergency medical assistance up to 90 days.
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*Note:
- In the event that OAC's Insurance's appointed representatives require further verification of a probable pre-existing Illness or medical condition that may fall under the policy exclusion, the deposit-less facility shall not be available.
- Cardholders are to submit their medical claims to OAC Insurance for reimbursement in the event of admissions to non-panel hospitals.
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WAITING PERIOD: Eligibility for benefits starts 30 days after the Insured Person has been included in the Policy, except for a covered Accident occurring after the effective date of coverage.
PRE-EXISTING ILLNESS shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:-
- the Insured Person had received or is receiving treatment; or
- medical advice, diagnosis, care or treatment has been recommended; or
- clear and distinct symptoms are or were evident; or
- its existence would have been apparent to a reasonable person in the circumstances
SPECIFIED ILLNESSES shall mean the following disabilities and its related complications, occurring within the first 120 days of Insurance of the Insured Person:
- Hypertension, diabetes mellitus and Cardiovascular disease.
- All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system.
- All ear, nose (including sinuses) and throat conditions.
- Hernias, haemorrhoids, fistulae, hydrocele, varicocele.
- Endometriosis including disease of the Reproduction system.
- Vertebro-spinal disorders (including disc) and knee conditions.
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