As part of Bank Negara Malaysia’s (BNM) ongoing efforts to ensure that all Insurance and Takaful industry players uphold their commitments and deliver services as outlined in their Customer Service Charter (CSC), both BNM and the Boards and Management Committees of the Associations (MTA/LIAM/PIAM) have approved the appointment of NielsenIQ Malaysia as the research agency to conduct the Customer Satisfaction Survey (CSS) 2024/25. Please visit our Announcement page for more information. 

Introducing the new digital claims service
Introducing the new digital claims service
Discover the GREAT stories from all walks of life
Sign up and enjoy guaranteed returns of up to 4.3% p.a.

Personal Accident Insurance | Easi-Shield

Ensure the safety of your lifestyle and your loved ones.

The Easi Shield will serve you as your great safeguard, shielding you from pontential financial burdens arising from accidents. It provides compensation in the unfortunate event of death or bodily injury caused directly by sudden events, including acts of terrorism.

Email us

Key benefits

  • Circle Image

    Accidental Death

    Cover up to RM 300,000 including Renewal Bonus (if any) in the event of accidental death.
  • Circle Image

    Permanent Disablement

    Get compesation up to RM 300,000 including Renewal Bonus (if any) for any accidental permanent disability.
  • Circle Image

    Extensive Medical Expenses

    Up to RM 18,000 reimbursement for the cost of medical treatment, surgical, accidental dental and hospital expenses.
  • Circle Image

    Terrorism Extension

    Get covered againts against accidental death or Total Permanent Disablement arising from terrorism which is confirmed by the relevant government.
  • Circle Image

    Double and Triple Indemnity

    Receive double the capital sum insured for Accidental Death and triple for Total Permanent Disablement if it occurs whilst travelling on fare paying public conveyance.    
  • Circle Image

    Renewal Bonus

    Enjoy additional 10% of your original Capital Sum Insured for each renewal, up to a maximum of 80% if there is no claim made under benefit number 2 (Permanent Disablement).
     

    Note: Please refer to the Policy Contract for the complete Benefits

How Easi-Shield works

Easi Shield table Easi Shield table

Understand the details before buying

Subject to the benefits and extensions applicable to this Policy, We will not pay the Benefits if the Injury is directly or indirectly caused by or resulted from or traceable to

1) General Exclusion :

- War, radiation or contamination by radioactivity, or nuclear weapons material.

- Suicide or insanity.

- HIV and/or HIV related illness including AIDS.

- Childbirth, pregnancy, miscarriage or any complications thereof.

- Pre-existing physical or medical conditions, physical or mental defects or infirmity.

- Self-inflicted injury and provoked murder or assault.

- Engaging in dangerous activities.

- Criminal or illegal activities

- Nuclear, chemical or biological terrorism.

2) Excluded Occupations :

• Air Crew                                        • Professional Sportsperson

• Professional Diver                       • Jockey

• Professional Entertainer            • Social Escort

• Explosive Handler/Maker          • Military & Law Enforcement Officer

• Fire Fighter                                   • Sailor

• Acrobat                                         • Bodyguard

• Debt Collector                             • Demolition Worker

• Quarry Worker                            • Steeplejack

• Sawyer                                          • Security Guard

• Woodworking Machinist           • Heavy Commercial Vehicle Driver

• Oil Rig Worker                             • Underground/Mining Worker

• Timber Logger/Worker              • Plantation/Estate Worker (other than owner) & Construction Worker.

3) Occupation Classification :

Class 1

Persons whose occupation is generally sedentary in nature, that is, persons engaged in professional, managerial, administrative and clerical positions.

Class 2

Person engaged in wholesale or retail trade, sales, marketing or work of a supervisory nature and whose duties involve travelling in connection with his or her profession or business purposes but not involving manual labour or the use of tools and machinery or exposure to any special hazard.

Class 3

Persons either occasionally or generally engaged in manual work not of a particularly hazardous nature but involving the use of tools and machinery.

Insured Person must be between 15 and 65 years old. Renewal is available up to 80 years old, subject to OACM’s satisfaction of the Insured Person’s state of health.Easi Shield is only applicable to Malaysians, permanent residents and work permit holders who are legally employed in Malaysia.

The Policy shall be interpreted in accordance with the law and jurisdiction of Malaysia. In the event of a claim, please contact any OACM branch or your agent as soon as possible and submit all original receipts, invoices and other relevant documents.The Description of Benefits is a brief summary for quick & easy reference only. Full terms & conditions are available in the Policy Contract.

Kindly contact any OACM branch, agent or OACM Customer Service Careline at 03-4259 8900 for more details.

The term “OACM” shall refer to Overseas Assurance Corporation (Malaysia) Berhad.

For further information, reference shall be made to the terms & conditions specified in the Policy Contract issued by OACM