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Employees Package Protector Insurance
Protecting Your Employees and Business
Protecting your employees is more than a
legal responsibility. It is essential to ensure
the well-being of your workforce while also
maintaining the stability of your business.
Offered by National Insurance Company
Berhad, the
Employees Package Protector
is a comprehensive insurance package
designed to provide robust protection for
employees against unforeseen accidents,
medical expenses, and other employment-
related risks. By investing in this coverage,
employers can foster a confident, secure
workforce while maintaining peace of mind
that their business is safeguarded.
The package offers seven key sections of
coverage, each tailored to provide reliable
financial support in the event of injury,
disability, or death arising from incidents
that occur in the course of employment.
WORKMEN’S
COMPENSATION ACT
COVERAGE
The first section aligns with the Workmen’s
Compensation Act, Chapter 74 (Laws of
Brunei Revised Edition 1984), offering
statutory compensation for employees
who sustain bodily injury due to accidents
or occupational diseases. Coverage includes
death benefits of BND 28,800, permanent
disablement of BND 36,000.
Compensation for other injuries or
disablements as assessed by the Labour
Department.
PERSONAL ACCIDENT
PROTECTION
Accidents can happen at any time, which
is why this section provides a lump sum
payment of BND10,000 per accident for
bodily injuries sustained by the insured
employee. This ensures immediate financial
support during unexpected circumstances.
MEDICAL EXPENSES
(ACCIDENT-RELATED)
To ease the burden of medical costs, the
policy covers up toBND5,000.00 per accident
for medical treatment resulting from injuries
sustained in accidents.
REPATRIATION EXPENSES
For businesses employing foreign workers,
repatriation coverage provides financial
assistance for returning the insured to their
home country in cases of serious injury,
permanent disablement, or death, with a
maximum payout of BND7,500.
DAILY HOSPITAL INCOME
BENEFIT
Upon hospitalisation, the insured employee
shall be entitled to a daily allowance
of BND20.00 for each complete day of
confinement in a hospital, offering ongoing
support during recovery.
HOSPITAL & SURGICAL
EXPENSES
This Section shall indemnify the insured
against reasonable and necessary hospital
and surgical expenses incurred as a result of
confinement due to injury or illness, subject
to an annual aggregate limit of BND100,000
and a per admission limit of BND30,000 or
BND10,000.
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BORNEO BULLETIN YEARBOOK 2026