Now, you can experience complete freedom and confidence in life. Introducing Lady Protector, an OAC Personal Accident Insurance policy for ladies that is easy on insurance jargons and generous on benefits.

Personal Accident insurance has traditionally ignored or excluded cover for the one risk most necessarily needed by all women - maternity risk i.e. death resulting directly from complications of pregnancy and childbirth.

But tradition must make way for progress especially in the field of medical science and we, at OAC, recognise this fact and are moving away from tradition. Towards this end, we have developed the...

Lady Protector Personal Accident Policy
Not just an ordinary 24 hours worldwide personal accident insurance policy but one with extensive benefits and coverage for:

• Maternity Risks
  Lump sum compensation of up to RM50,000 for death directly caused by a pregnancy disorder or complications arising from childbirth or miscarriage.
  
  
• HIV Infection
  Cash compensation of up to RM10,000 upon diagnosis of Human Immunodeficiency Virus (HIV) infection occurring within 12 months from the date of undergoing a blood transfusion.
  
  
• Infertility
  Cash compensation of up to RM20,000 for accidental injury to the reproductive organs (ovaries and/or womb) resulting in total and permanent inability to conceive or become pregnant.
  
  
• Major Burns
  Lump sum payment of up to RM10,000 for accidental third degree burns covering at least 20% of body area.
  
  
• Medical expenses (including "Sinseh" treatment)
  Reimbursement of up to RM5,000 per accident for medical and surgical treatment including "Sinseh" or other form of traditional treatment of up to RM35 per visit and a maximum of RM350 per accident.
  
  
• Cosmetic Surgery and Dental Treatment
  Reimbursement of up to RM10,000 per accident for corrective cosmetic surgery on the head and/or neck, or treatment of injury or damage to sound natural teeth.
  
  
• Snatch Theft
  Compensation of up to RM250 for loss of or damage to jewellery or personal effects caused by a snatch thief or wayside robber.

And for the career lady:

• Sexual Harassment
  Reimbursement of up to RM5,000 for legal costs and expenses incurred for instituting legal proceedings against fellow colleagues for sexual harassment.

But that's not all. The Lady Protector also offers:

• Weekly Benefits (if insured)
  (Applicable only to persons who are gainfully employed)
  Pays up to RM250 for each week of temporary total or partial disablement for up to a maximum of 52 weeks, should an accident occur and prevent you from attending to all or a substantial part of your duties pertaining to your usual occupation or profession.
  
  
• Double Indemnity
  Pay double the benefit for death resulting from an accident while travelling as a fare-paying passenger in a public conveyance, e.g. taxi, bus, train, airplane or ship.
  
  
• High Funeral Expenses
  In addition to all death payments, the policy also pays a lump sum of RM10,000 for funeral expenses.
  
  
• "Twins Prosperity" Bonus
  A lump sum cash bonus of RM1,000 for the lucky mother who conceives twins.
  
  
• Hospital Confinement Allowance
  If you are confined in a hospital for more than 24 hours for treatment for an accident, a cash allowance of RM100 will be paid to you for each day of confinement up to a maximum of 180 days.
  
• Personal Liability
  Should you become legally liable to pay a third party for accidental bodily injury or accidental property damage, we will pay for such indemnities up to a limit of RM250,000 per accident.
  
  
• No Claim Renewal Bonus
  Capital Sum Insured will be increased by 10% at each renewal up to a maximum of 50% of the original Capital Sum Insured provided no claim has been made during each year of insurance.
  
  
• Car Assistance Program
  Provides 24 hours car assistance service such as emergency towing or minor roadside repair of up to RM300, car replacement asistance, arrangement of hotel accommodation and referral to accredited service or repair centres.

And many more...
with 8 affordable plans to choose from, why not sign up todayand take youe life to a higher level of protection.

To top up our enviavble offer, we are throwing in a membership to the Nanyang Online "Red Hot" Discount Card absolutely FREE!

General Policy Exclusions
Like any other insurance policies, LADY 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.

Eligibility
The Lady Protector is open to all Malaysians and permanent residents residing and working in Malaysia and whose occupation or profession does not fall within the list of Excluded Occupations.

The entry age limit for cover starts from 16 to 60 years old and renewable up to 70 years old.

Excluded Occupations
Aircrew, professional sportpersons, professional diver, jockey, professional entertainers, social escort, guest relation officers (GRO) or similar related category (whether full or part time) working in nightclubs or entertainment outlets, 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.