Accidents can happen to anyone, anywhere, anytime. Protec yourself and your family with OAC's FAMILY PROTECTOR Personal Accident Insurance for you and your loved ones.

OAC's FAMILY PROTECTOR Personal Accident provides comprehensive coverage and extensive benefits as follow:

• Accident Death and Permanent Disablement
  A lump sum payment will be made in accordance with the percentage sppecified in the schedule of benefits.
  
  
• Medical Expenses
  Covers all your medical expenses up to the amount insured, and for sinseh and traditional treatment, up to RM35 per visit and a maximum of RM350 per accident provided western medical treatment is first sought.
  
  
• Hospital Income
  If you and/or your spouse are/is confined in a hospital for more 24 hours for treatment due to an accident, a weekly cash allowance will be paid to you and your spouse in accordance with the selected plan, up to a maximum of 26 weeks
  
  
• Funeral Expenses
  In the event of Accident Death, allowance for funeral expenses will be paid up to RM5,000 per person.
  
  
• Repatriation of Mortal Remains
  Upon Accident Death while overseas, we will pay for the actual cost incurred up to RM5,000 per person for the repatriation of the mortal remains.
  
  
• Guardian's Allowance
  If your child (aged 15 days - 15 years old) id hospitalised due to accident, we will pay the parent/guardian an allowance of RM200 per week up to a maximum of 15 weeks.
  
  
• Purchase of Prosthese
  Reimburses the insured person for the purchase of wheelchair, crutches or artificial arm or leg as recommended by the physician or doctor for an amount not exceeding RM5,000.
  
  
• Examination Fees Reimbursement
  if your child is not able to attend his/her academic examination due to injury sustained in an accident, we will reimburse the actual examination fee forfeited up to RM3,000.
  
  
• Air Ticket Reimbursement
  If Accidental Death occurs to either parent while your child is studying overseas, we will reimburse the return airfare up to RM3,000 per child.
  
  
• Personal Liability
  Should you become legally liable to pay a third party for bodily injury and/or accidental property damage, we will pay for such indemnities up to a limit of RM100,00 per accident.
  
  
• Ambulance Service
  Ambulance fees will be reimbursed up to RM500 per accident should there be an accident and ambulance service is required.

But that is not all... the OAC FAMILY PROTECTOR also comes with the following special features:

• No Claim Renewal Bonus
  The Principal Sum Insured will be increased by 5% at each renewal, up to a maximum of 25% of the original Principal Sum Insured, provided that no claim be made under the policy.
  
  
• Long Marriage Bonus (>15 years)
  The longer you are married, the higher you Accidental Death benefits, as we will pay up to a maximum of 15% extra on top of your or your spouse's principal sum insured at the time of Accidental Death.
  
  
• Car Loan Repayment
  In the event of Accidental Death of Policyholder, the subsequent 3 months outstanding hire purchase instalment of one of private motor vehicles will be paid but up to a maximum of RM5,000.
  
  
• Compassionate Subsidy
  Additional amount of RM10,000 per child will be paid if both parent pass away in the same accident.

Special Free Extensions
The following extensions are covered AT NO EXTRA COST!

Age Limit / Covered Person
If you or your spouse is between 18 and 65 years, you can enrol for FAMILY PROTECTOR, ALL your children can also be covered so long as they are aged between 15 days and 18 years (or 23 years, if they are in tertiary education.)

Occupational 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 of particulary hazardous nature but involving the use of tools or machinery.

Excluded Occupations
Aircrew, professional sportpersons, professional diver, jockey, professional entertainers, social escort, explosives handlers/maker, military and law enforcement officers, fire fighters, sailors, heavy commercial vehicle drivers, oil rig workers, underground or mining workers, timber loggers or workers, plantation or estate workers (other than owners), construction workers and persons engaged in outdoor work involving heights of 30 feet and above.

General Exclusions
Like any other insurance policies, FAMILY PROTECTOR also contains a limited number of exclusions such as war, terrorism, radiation or contamination by radioactivity, provoked assault, suicide or self-inflicted injuries, pre-existing physical or mental defects or infirmity, illness or diseases, drug addiction, professional or semi-professional sports, flying as a pilot or air crew member in any aircraft, parachuting, hang gliding, skydiving, horseback polo playing, barehand rock or cliff scaling, hunting outside the territorial limits of Malaysia, sea-angling, boating or yachting beyond 5 kilometers off any coastline, motor sports rallies or competitions, speed-testing, reliability trials or racing of any kind other than on foot.