Slide 2
Domestic Helper Protector

Protection for Domestic accidents at home

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 two Domestic Helper insurance products, designed specifically to suit the type of coverage required, as well as to suit your budget.
  1. Employees Package Protector
    Provides 24 hour protection for death, accidents and illness and includes workmen’s compensation, hospital and surgical expenses and repatriation expenses.
  2. 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 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

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
EPP5 (For domestic helper only)
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
 
Sum Insured
B$5,000
 
Territorial Limits
Worldwide
4
Repatriation Expenses
 
Sum Insured
B$7,500
 
Territorial Limits
Brunei
5
Daily Hospital Income
 
Sum Insured
Per day max. 60 days
B$20
 
Territorial Limits
Brunei
6
Hospital & Surgical Expenses
 
Overall Annual Limit of Coverage
B$100,000
 
Per Disability Limit of Coverage
B$30,000
 
Territorial Limits
Brunei
7
Death benefit including death from natural causes
 
Sum Insured
B$5,000
 
Territorial Limits
Brunei
 
Annual Premium per Person
B$185

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

Business Insurance
Business Insurance
Personal Insurance
Personal Insurance
Do you need to make a claim?

Follow the claim procedures to make a claim

Contact Info

Unit 12 & 13, Block A, Regent Square
Simpang 150, Kampong Kiarong BE1318
P.O. Box 1251, BSB BS8672
Negara Brunei Darussalam
+673 222 6222
insurance@national.com.bn
Monday to Thursday
8.00am to 5.30pm

Friday
8.00am to 12.00pm
2.00pm to 5.30pm