Weekly benefits for: Temporary Total or Partial Disablement (If Insured)
We pay a weekly benefit for each week of temporary total or partial disablement for up to a maximum of 104 weeks, should an accident occur and prevent you from attending to all or a substantial part of your duties pertaining to your usual occupation, profession or business.

The scale of compensation benefits is as follows:
If you notice, we will double up the weekly benefits accordingly, should your adversity prolong.

Double Indemnity
In the event of an accident that you should suffer from permanent loss of two limbs, total paralysis, total loss of sight or death while travelling in public transport, we will pay double the sum you insured, inclusive of renewal bonus (if any)

Medical Expenses and Sinseh / Traditional Treatment
In addition to covering all your medical expenses such as room & lodging, clinical, medical and surgical treatment up to theamount insured, Easi-Protector extends this coverage to sinseh of traditional treatments. For sinseh / traditional treatment, we will pay a maximum of RM25 per visit and RM250 per accident.

Personal Liability
Should you become legally liable to pay a third party for accidental bodily injury or accidental property damage, we will pay for indemnities incur. This will be subject to the limits stated in the Table of Benefits.

Car Assistance Program
The program will entitle you to tap on our exclusive arrangements with Europ Assistance Worldwide Service Pte. Ltd. The Services provided under this program include road assistance service that range from 24 hours emergency towing and roadside repair, car replacement assistance, arrangement of hotel accommodation as a result of a vehicle breakdown, maximum repair or towing limit up to RM300 per accident and referral to accredited service or repair centres.

Excited about how Easi-Protector can change the way you look at Personal Accident policies? Read on for more information.

Welcome to a world protected by Easi-Protector
We know that accidents happen all the time. Well, what we don't like to know is that, it could happen to us! Time and again, the truth will only come crashing home when it affects us, our loved ones or someone close to us. Most times, these accidents cause more than physical pain and suffering or emotional distress, and it can be a major financial burden.

We know we are at risk but what are we going to do about it? Don't you wish that there were some type of safety net that you could fall back on?

Your Innovative and Comprehensive Policy
Great news is, look no further! At OAC we have designed an innovative well-planned and comprehensive protection that you could rely on. So, allow me to tell you about what Easi-Protector can do for you.

Easi Protector will give you worldwide coverage, 24 hours a day. We give you coverage from travelling by air to motorcycling or even learning up a new sport.

Should fate turn against you and you are taken unaware (accidentally caught up) in an unprovoked murder or assault, strike, riot and civil commotion, hijack, skyjack, or even natural disaster such as earthquake, flood, La Lina & El Nino situation, Easi-Protector will have the coverage for you.

In addition, we have coverage for intoxication by alcohol or drugs and insects, snakes or animals bites. You will also find that we have protection against inhalation or poisonous gas, drowning, food poisoning, and exposure to natural elements or disappearance arising from an accident.

Just when you are about to be convinced, Easi-Protector will surprise you even more...

The Policy of Your Choice
Apart from the benefits that we've mentioned, we also have coverage on the following:

• Accident Death & Permanent Disablement
  We will pay a lump sum of compensation should an accident accur. Payment will be made in accordance with the percentage specified in the Schedule of Benefits.
  
  
• Renewal Bonus
  The principal sum insured will be increased at renewal by 10% per year up to 50% of the original principal sum insured provided that no claim has been incurred under accidental death and permanent disablement of the policy.
  
  
• Bereavement Allowance
  We will also provided a bereavement allowance in the event of accidental death up to the sum insured of the plan selected.
  
  
• Ambulance Fees
  Should there be an accident and ambulance service is required, we will cover the ambulance fees up to RM200 per accident.

Sign up now! so, consider the risk and don't wait until it's too late. If it's the financial affordability aspect that's making you hesitant, the real question is, can you affort NOT to have the protection?

Eligibility
Great news! Our policy's age limit starts from 18 years to 65 years old. But we allow renewal up to 70 years old.

You are eligible for the policy if your profession or occupation falls under the following classification:

• Class 1
  Persons engaged in professional administrative managerial, clerical and non-manual occupations.
  
  
• Class 2
  Persons engaged in work of supervisory nature and others not in Class 1 whose duties do not involve the use of tools or machinery or expose them to any special hazard.
  Persons only occasionally exposed to hazardous environment e.g. outdoor salesmen and site engineers.
  
  
• Class 3
  Persons engaged in manual work not particulary hazardous nature but involving the use of tools or machinery.

Excluded Occupations
If you happen to be in the listed professions below, please contact your nearest OAC representative for more detail.

Army/military/police and law enforcement officers, air crew, acrobats, body guards, debt collectors, demolition workers, explosive handlers, firemen, fishermen, jockeys, loggers/lumberjacks, miners, offshore/oil rig workers, quarry workers, racers, steeplejacks, sawyers, seamen, security guards, woodworking machinists & professional athletes.

Exclusions
This policy does not cover war, civil war, AIDS and diseases including dengue fever, childbirth, miscarriage, travelling as an aircraft crew, aerial activities, provoked murder and assault, racing, radiation and nuclear weapons material.