National Insurance Company Berhad

Domestic Helper

Provides 24 hour protection for death, accident and illness

Have you ever wondered how much it would cost you in hospital bills, if your helper or gardener is hospitalized due to illness or an unfortunate accident?

We have three Domestic Helper insurance products, designed specifically to suit the type of coverage required, as well as to suit your budget.

Foreign Domestic Helper
Provides 24 hour protection for death, accidents and illness and includes workmen’s compensation, hospital and surgical expenses and repatriation expenses.
Employees Package Protector
Provides 24 hour protection for death, accidents and illness and includes workmen’s compensation, hospital and surgical expenses and repatriation expenses.
Workmen's Compensation
A minimum coverage that will protect your domestic helper against accidental injury and illness arising out of and in the course of their employment.

These three products are designed to cover employers whose employees are engaged in household activities such as Amah, Gardener or Driver.

NOTE: The information shown here is for reference only. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan.

More About National Insurance Domestic Helper Product

Foreign Domestic Helper - Coverage Benefits/Highlights

Foreign Domestic Helper Protector

SECTION

BENEFIT

SUM INSURED

1

(a) Term Life Cover
(b) Personal Accident Cover

B$5,000

2

Repatriation Expenses (due to death or total permanent disability)

B$7,500

3

Medical / Hospital & Surgical Expenses

B$10,000

4

Workmen’s Compensation:
Death...
Permanent Disability...
Other forms of injury or Amount to be disablement.

As per Act
B$28,800
B$36,000
Amount to be assessed by Labour Department

Notes: Benefits under sections 1 and/or 3 are payable only if no claim is made under Section 4.

PREMIUM PER PERSON

TERRITORIAL LIMIT

B$125.00 per annum

Brunei only

B$150.00 per annum

Worldwide for Section 1, 2 & 3

Employees Package Protector - Coverage Benefits/Highlights

Employee Package Protector

Coverage

Benefits

Workmen’s Compensation

Pays compensation as per Laws of Brunei, Workmen’s Compensation Chapter Act 74 (Revised Edition 1984).

24 Hours Personal Accident

Pays up to plan coverage limits in the event of accidental death or permanent disability.

Medical Expenses

Pays up to plan coverage limits for medical expenses incurred as a result of an accident.

Repatriation Expenses

Pays up to plan coverage limits for the conveyance of the employee to the country of origin or home residence as a result of accident or illness which results in death or total permanent disablement or burial or cremation of the employee in the locality where death occured.

Daily Hospital Income Benefit

Pays up to plan coverage limits for each day of hospitalization due to accidents or illnesses up to a maximum of 60 days.

Hospital & Surgical Expenses

Pays up to plan coverage limits for hospital & surgical expenses incurred as a result of hospitalization due to illness.

Death Benefit

Pays up to plan coverage limits for any death including from natural causes.

Age Limit:

Between 16 years to 60 years old.

Exclusions:

War, civil war, AIDS, childbirth, miscarriage, provoked murder or assault, travelling as an aircraft crew, aerial activities, martial arts, racing, radiation and nuclear weapons material.

Please refer to Policy wording for full details.

Section

Coverage

EPP1

EPP2

EPP3

EPP4

EPP5

EPP6

1

Workmen’s Compensation

- Death
B$28,800.00 max

- Permanent Disability
B$36,000.00 max

- Other forms of injury
Amount as per Labour Dept. assessment

- Medical Expenses
B$10,000.00 each and every claim

✓

Territorial Limits

Brunei

2

24 Hours Personal Accident

✓

Sum Insured

B$10,000

Territorial Limits

Worldwide

3

Medical Expenses arising from accident

✓

NIL

Sum Insured

B$5,000

NIL

Territorial Limits

Worldwide

NIL

4

Repatriation Expenses

✓

Sum Insured

B$7,500

B$1,000

Territorial Limits

Brunei

Worldwide

Brunei

5

Daily Hospital Income

NIL

✓

Sum Insured
Per day max. 60 days

NIL

B$20

Territorial Limits

NIL

Brunei

Worldwide

Brunei

6

Hospital & Surgical Expenses

NIL

✓

NIL

Sum Insured

NIL

B$10,000

NIL

Territorial Limits

NIL

Brunei

Worldwide

Brunei

NIL

7

Death benefit including death from natural causes

NIL

✓

Sum Insured

NIL

B$5,000

B$7,500

B$5,000

Territorial Limits

NIL

Worldwide

Brunei

Worldwide

Annual Premium per Person

B$80

B$125

B$175

B$190

B$125

B$80

Limit under section 6 - Hospital & Surgical Expenses is B$5,000.00 (Applicable to EPP2, EPP3 & EPP5) and B$7,500.00 (For Plan EPP4 only).
Limit under Section 7 - Death Benefit including Death from Natural Causes is $5,000.00 (For Plan EPP3, EPP4, EPP5 & EPP6).

EPP1

EPP2

EPP3

EPP4

EPP5

EPP6

Annual Premium per Person

B$80

B$100

B$125

B$150

B$100

B$80

Notes:
Benefits under Section 2 and / or 3 are payable only if no claim is made under Section 1.
Benefits under Section 5 are payable only if the claim is not payable under Section 1.
Benefits under Section 6 are payable only if the claim is not payable under Sections 1 & 3.
Benefits under Section 7 are payable only if the claim is not payable under Sections 1 & 2.

Excluded Occupations:

Professional Divers, Police, Army/Military, Law Enforcement Officers, Aircraft Testers, Pilot or Crew, Seamen, Sea Fishermen, Racing Drivers, Jockeys, Oil Rig Workers, Sawyers, Timber Logging Workers, Firemen,War Correspondents, Steeplejacks, Stevedores, Persons Engaged in Demolition of Buildings, Persons Engaged in Ambulance Services, Woodworking Machinists, Explosive Handlers, Underground Tunnelling, Mining, Professional Sportsmen, employees working with oil and gas companies directly involved in drilling, producing, refining and distributing.

Definition - Class 3 Occupations:

Any person employed in an occupation involving manual work such as but not limited to, persons engaged as construction workers, electrical wireman, grass cutters, farmers, fishmonger, motor mechanic, painters, plumbers, commercial vehicle and heavy machinery drivers.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions.

Protection for Domestic accidents at home

Domestic Helper

Provides 24 hour protection for death, accident and illness

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Follow the claim procedures to make a claim

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