knowin your general · why do i need takaful? takaful provides you protection for when things go...
TRANSCRIPT
1
KNOWING YOUR
GENERAL TAKAFUL
A financial education programme by
2
Contents
Getting to know your Takaful plan 4
Getting to know your Takaful
concepts 7
The basics of Motor Takaful 13
The basics of Fire Takaful 28
The basics of Workmenrsquos
Compensation Takaful 33
The basics of Travel Takaful 42
Other types of general Takaful 50
This booklet is intended to provide readers with basic understanding of general concepts in Takaful It is advised that you check with your Takaful operator on the terms and conditions of your Takaful plan
3
PARTICIPATING IN TAKAFUL In Brunei Darussalam Takaful is provided by Takaful operators
registered by Autoriti Monetari Brunei Darussalam (AMBD)
You can obtain Takaful from the following ways
1 Directly from the Takaful operator
2 From Takaful agents that have been authorized to represent
Takaful operators
3 From banks that have a bancaTakaful agreement with Takaful
operator(s)
4 From brokers that have been registered with AMBD
Refer to AMBDrsquos website (wwwambdgovbn) for the list of
registered Takaful operators
For general Takaful if you participate in more than one plan to protect
a particular risk you can only make one claim in the event of loss or
damage The amount payable will be paid by the Takaful operators
involved This means you cannot profit from your Takaful plan If you
suffer a loss you will be provided a financial assistance accordingly and
no more than that You will be paid or lsquoprotectedrsquo to the position you
were in before the loss
However if you wish to cover your life you can participate in more than
one plan Family Takaful provides you with both protection and long-
term savings for your peace of mind You or your beneficiary will be
provided with financial benefits if you suffer a tragedy and at the same
time you will enjoy an investment return because part of your
contribution will be deposited in an account for the purpose of savings
4
Getting to Know Your Takaful Plan
WHY DO I NEED TAKAFUL
Takaful provides you protection
for when things go wrong such
as car accidents lost luggage
while travelling abroad serious
illness or robbery
In life there is always a risk that
things can go wrong If they do
you will need money to meet
your costs and avoid chaos in
your finances
Takaful is about managing these
risks By taking out the Takaful
plan you are sharing the risk
with your fellow participants for
a Takaful contribution
Without Takaful youre taking
the risk of meeting those costs
yourself
If you own a car have
travelled outside the
country or have taken a
loan it is very likely that you
have Takaful plan
It is very important for you
to take the time to read the
fine print ask questions
and find the plan that fits
your needs
This booklet will help you
find out more about the
common Takaful plans
available in Brunei
Darussalam
Always remember to make
sure you understand your
Takaful plan BEFORE you
sign
I have Takaful
coverage at work
I donrsquot think I need general Takaful
coverage
I wonrsquot die in an accident
It wonrsquot happen to me
I wonrsquot get cancer
5
TYPES OF TAKAFUL There are two types of Takaful
1 General Takaful
Covers property such as your car house business employees
money etc
2 Family Takaful
Covers you your loved ones employees colleagues etc
TIPS WHEN PARTICIPATING IN TAKAFUL
Shop around - Get quotes from different Takaful operators and
compare what they offer Dont be afraid to ask lots of questions
Choose carefully - List the things you need (ie what you want
covered) to help you in picking the right plan
Renew your Takaful - Do this when your old Takaful plan expires or
as your circumstances change
Work out how much you need - Do this when you start or renew
your Takaful plan so that you dont find yourself significantly under
insured
Check exclusions - Always ask what is and isnt covered by your
Takaful plan
Check the costs - you will contribute or pay a fixed price known as
Takaful contribution for your cover and when you make a claim your
payout may be reduced by an amount known as the excess Dont
sign on the dotted line until you know all the costs
Be honest with your Takaful operator - Provide complete and true
details because your duty of disclosure means you must tell the
truth when you fill in the proposal form If you leave details out any
future claim may be denied
6
UNDERSTANDING BASIC TAKAFUL TERMS
Takaful Definition
Certificate The contract between the participant (person participating) and the Takaful operator
Participant The person who has participated in the Takaful plan
Contribution The amount of money you pay for your Takaful plan
Sum covered
The maximum amount of coverage that you can receive from your Takaful operator if there is a claim This amount usually reflects the market value of the property you wish to cover
Exclusion The circumstances where your certificate does not apply or cover
Extension The coverage that you can add-on to your certificate to suit your needs This is provided at an additional contribution
Excess The portion of a claim that a participant is required to pay in the event of a claim and anything above the excess will be paid by the Takaful operator Eg if the excess in a plan is BND 1000 and the claim costs BND 3000 then the participant will pay the first BND 1000 and the remaining BND 2000 will be paid by the Takaful operator
7
Getting to know your Takaful concepts
What is Takaful
Takaful provides protection based on
Syariah principles This means that
Takaful is free from Ribarsquo (interest or
usury) Gharar (unknown or uncertain
factors) and Maysir (gambling)
How does Takaful work
Takaful works on the basis of mutual
help (Tarsquoawun) When you enter into
a contract (Aqad) with a Takaful
operator you become a participant of
a fund (Tabarrursquo) and agree to help
other participants when they face a
loss and make a claim
Takaful has been in
existence in Brunei
Darussalam since 1993
and has been widely
adopted by both Muslims
and non-Muslims ever
since However some
Takaful concepts may still
be unfamiliar including
the difference between
Takaful and conventional
insurance
This section intends to
provide a brief
understanding of Takaful
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
2
Contents
Getting to know your Takaful plan 4
Getting to know your Takaful
concepts 7
The basics of Motor Takaful 13
The basics of Fire Takaful 28
The basics of Workmenrsquos
Compensation Takaful 33
The basics of Travel Takaful 42
Other types of general Takaful 50
This booklet is intended to provide readers with basic understanding of general concepts in Takaful It is advised that you check with your Takaful operator on the terms and conditions of your Takaful plan
3
PARTICIPATING IN TAKAFUL In Brunei Darussalam Takaful is provided by Takaful operators
registered by Autoriti Monetari Brunei Darussalam (AMBD)
You can obtain Takaful from the following ways
1 Directly from the Takaful operator
2 From Takaful agents that have been authorized to represent
Takaful operators
3 From banks that have a bancaTakaful agreement with Takaful
operator(s)
4 From brokers that have been registered with AMBD
Refer to AMBDrsquos website (wwwambdgovbn) for the list of
registered Takaful operators
For general Takaful if you participate in more than one plan to protect
a particular risk you can only make one claim in the event of loss or
damage The amount payable will be paid by the Takaful operators
involved This means you cannot profit from your Takaful plan If you
suffer a loss you will be provided a financial assistance accordingly and
no more than that You will be paid or lsquoprotectedrsquo to the position you
were in before the loss
However if you wish to cover your life you can participate in more than
one plan Family Takaful provides you with both protection and long-
term savings for your peace of mind You or your beneficiary will be
provided with financial benefits if you suffer a tragedy and at the same
time you will enjoy an investment return because part of your
contribution will be deposited in an account for the purpose of savings
4
Getting to Know Your Takaful Plan
WHY DO I NEED TAKAFUL
Takaful provides you protection
for when things go wrong such
as car accidents lost luggage
while travelling abroad serious
illness or robbery
In life there is always a risk that
things can go wrong If they do
you will need money to meet
your costs and avoid chaos in
your finances
Takaful is about managing these
risks By taking out the Takaful
plan you are sharing the risk
with your fellow participants for
a Takaful contribution
Without Takaful youre taking
the risk of meeting those costs
yourself
If you own a car have
travelled outside the
country or have taken a
loan it is very likely that you
have Takaful plan
It is very important for you
to take the time to read the
fine print ask questions
and find the plan that fits
your needs
This booklet will help you
find out more about the
common Takaful plans
available in Brunei
Darussalam
Always remember to make
sure you understand your
Takaful plan BEFORE you
sign
I have Takaful
coverage at work
I donrsquot think I need general Takaful
coverage
I wonrsquot die in an accident
It wonrsquot happen to me
I wonrsquot get cancer
5
TYPES OF TAKAFUL There are two types of Takaful
1 General Takaful
Covers property such as your car house business employees
money etc
2 Family Takaful
Covers you your loved ones employees colleagues etc
TIPS WHEN PARTICIPATING IN TAKAFUL
Shop around - Get quotes from different Takaful operators and
compare what they offer Dont be afraid to ask lots of questions
Choose carefully - List the things you need (ie what you want
covered) to help you in picking the right plan
Renew your Takaful - Do this when your old Takaful plan expires or
as your circumstances change
Work out how much you need - Do this when you start or renew
your Takaful plan so that you dont find yourself significantly under
insured
Check exclusions - Always ask what is and isnt covered by your
Takaful plan
Check the costs - you will contribute or pay a fixed price known as
Takaful contribution for your cover and when you make a claim your
payout may be reduced by an amount known as the excess Dont
sign on the dotted line until you know all the costs
Be honest with your Takaful operator - Provide complete and true
details because your duty of disclosure means you must tell the
truth when you fill in the proposal form If you leave details out any
future claim may be denied
6
UNDERSTANDING BASIC TAKAFUL TERMS
Takaful Definition
Certificate The contract between the participant (person participating) and the Takaful operator
Participant The person who has participated in the Takaful plan
Contribution The amount of money you pay for your Takaful plan
Sum covered
The maximum amount of coverage that you can receive from your Takaful operator if there is a claim This amount usually reflects the market value of the property you wish to cover
Exclusion The circumstances where your certificate does not apply or cover
Extension The coverage that you can add-on to your certificate to suit your needs This is provided at an additional contribution
Excess The portion of a claim that a participant is required to pay in the event of a claim and anything above the excess will be paid by the Takaful operator Eg if the excess in a plan is BND 1000 and the claim costs BND 3000 then the participant will pay the first BND 1000 and the remaining BND 2000 will be paid by the Takaful operator
7
Getting to know your Takaful concepts
What is Takaful
Takaful provides protection based on
Syariah principles This means that
Takaful is free from Ribarsquo (interest or
usury) Gharar (unknown or uncertain
factors) and Maysir (gambling)
How does Takaful work
Takaful works on the basis of mutual
help (Tarsquoawun) When you enter into
a contract (Aqad) with a Takaful
operator you become a participant of
a fund (Tabarrursquo) and agree to help
other participants when they face a
loss and make a claim
Takaful has been in
existence in Brunei
Darussalam since 1993
and has been widely
adopted by both Muslims
and non-Muslims ever
since However some
Takaful concepts may still
be unfamiliar including
the difference between
Takaful and conventional
insurance
This section intends to
provide a brief
understanding of Takaful
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
3
PARTICIPATING IN TAKAFUL In Brunei Darussalam Takaful is provided by Takaful operators
registered by Autoriti Monetari Brunei Darussalam (AMBD)
You can obtain Takaful from the following ways
1 Directly from the Takaful operator
2 From Takaful agents that have been authorized to represent
Takaful operators
3 From banks that have a bancaTakaful agreement with Takaful
operator(s)
4 From brokers that have been registered with AMBD
Refer to AMBDrsquos website (wwwambdgovbn) for the list of
registered Takaful operators
For general Takaful if you participate in more than one plan to protect
a particular risk you can only make one claim in the event of loss or
damage The amount payable will be paid by the Takaful operators
involved This means you cannot profit from your Takaful plan If you
suffer a loss you will be provided a financial assistance accordingly and
no more than that You will be paid or lsquoprotectedrsquo to the position you
were in before the loss
However if you wish to cover your life you can participate in more than
one plan Family Takaful provides you with both protection and long-
term savings for your peace of mind You or your beneficiary will be
provided with financial benefits if you suffer a tragedy and at the same
time you will enjoy an investment return because part of your
contribution will be deposited in an account for the purpose of savings
4
Getting to Know Your Takaful Plan
WHY DO I NEED TAKAFUL
Takaful provides you protection
for when things go wrong such
as car accidents lost luggage
while travelling abroad serious
illness or robbery
In life there is always a risk that
things can go wrong If they do
you will need money to meet
your costs and avoid chaos in
your finances
Takaful is about managing these
risks By taking out the Takaful
plan you are sharing the risk
with your fellow participants for
a Takaful contribution
Without Takaful youre taking
the risk of meeting those costs
yourself
If you own a car have
travelled outside the
country or have taken a
loan it is very likely that you
have Takaful plan
It is very important for you
to take the time to read the
fine print ask questions
and find the plan that fits
your needs
This booklet will help you
find out more about the
common Takaful plans
available in Brunei
Darussalam
Always remember to make
sure you understand your
Takaful plan BEFORE you
sign
I have Takaful
coverage at work
I donrsquot think I need general Takaful
coverage
I wonrsquot die in an accident
It wonrsquot happen to me
I wonrsquot get cancer
5
TYPES OF TAKAFUL There are two types of Takaful
1 General Takaful
Covers property such as your car house business employees
money etc
2 Family Takaful
Covers you your loved ones employees colleagues etc
TIPS WHEN PARTICIPATING IN TAKAFUL
Shop around - Get quotes from different Takaful operators and
compare what they offer Dont be afraid to ask lots of questions
Choose carefully - List the things you need (ie what you want
covered) to help you in picking the right plan
Renew your Takaful - Do this when your old Takaful plan expires or
as your circumstances change
Work out how much you need - Do this when you start or renew
your Takaful plan so that you dont find yourself significantly under
insured
Check exclusions - Always ask what is and isnt covered by your
Takaful plan
Check the costs - you will contribute or pay a fixed price known as
Takaful contribution for your cover and when you make a claim your
payout may be reduced by an amount known as the excess Dont
sign on the dotted line until you know all the costs
Be honest with your Takaful operator - Provide complete and true
details because your duty of disclosure means you must tell the
truth when you fill in the proposal form If you leave details out any
future claim may be denied
6
UNDERSTANDING BASIC TAKAFUL TERMS
Takaful Definition
Certificate The contract between the participant (person participating) and the Takaful operator
Participant The person who has participated in the Takaful plan
Contribution The amount of money you pay for your Takaful plan
Sum covered
The maximum amount of coverage that you can receive from your Takaful operator if there is a claim This amount usually reflects the market value of the property you wish to cover
Exclusion The circumstances where your certificate does not apply or cover
Extension The coverage that you can add-on to your certificate to suit your needs This is provided at an additional contribution
Excess The portion of a claim that a participant is required to pay in the event of a claim and anything above the excess will be paid by the Takaful operator Eg if the excess in a plan is BND 1000 and the claim costs BND 3000 then the participant will pay the first BND 1000 and the remaining BND 2000 will be paid by the Takaful operator
7
Getting to know your Takaful concepts
What is Takaful
Takaful provides protection based on
Syariah principles This means that
Takaful is free from Ribarsquo (interest or
usury) Gharar (unknown or uncertain
factors) and Maysir (gambling)
How does Takaful work
Takaful works on the basis of mutual
help (Tarsquoawun) When you enter into
a contract (Aqad) with a Takaful
operator you become a participant of
a fund (Tabarrursquo) and agree to help
other participants when they face a
loss and make a claim
Takaful has been in
existence in Brunei
Darussalam since 1993
and has been widely
adopted by both Muslims
and non-Muslims ever
since However some
Takaful concepts may still
be unfamiliar including
the difference between
Takaful and conventional
insurance
This section intends to
provide a brief
understanding of Takaful
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
4
Getting to Know Your Takaful Plan
WHY DO I NEED TAKAFUL
Takaful provides you protection
for when things go wrong such
as car accidents lost luggage
while travelling abroad serious
illness or robbery
In life there is always a risk that
things can go wrong If they do
you will need money to meet
your costs and avoid chaos in
your finances
Takaful is about managing these
risks By taking out the Takaful
plan you are sharing the risk
with your fellow participants for
a Takaful contribution
Without Takaful youre taking
the risk of meeting those costs
yourself
If you own a car have
travelled outside the
country or have taken a
loan it is very likely that you
have Takaful plan
It is very important for you
to take the time to read the
fine print ask questions
and find the plan that fits
your needs
This booklet will help you
find out more about the
common Takaful plans
available in Brunei
Darussalam
Always remember to make
sure you understand your
Takaful plan BEFORE you
sign
I have Takaful
coverage at work
I donrsquot think I need general Takaful
coverage
I wonrsquot die in an accident
It wonrsquot happen to me
I wonrsquot get cancer
5
TYPES OF TAKAFUL There are two types of Takaful
1 General Takaful
Covers property such as your car house business employees
money etc
2 Family Takaful
Covers you your loved ones employees colleagues etc
TIPS WHEN PARTICIPATING IN TAKAFUL
Shop around - Get quotes from different Takaful operators and
compare what they offer Dont be afraid to ask lots of questions
Choose carefully - List the things you need (ie what you want
covered) to help you in picking the right plan
Renew your Takaful - Do this when your old Takaful plan expires or
as your circumstances change
Work out how much you need - Do this when you start or renew
your Takaful plan so that you dont find yourself significantly under
insured
Check exclusions - Always ask what is and isnt covered by your
Takaful plan
Check the costs - you will contribute or pay a fixed price known as
Takaful contribution for your cover and when you make a claim your
payout may be reduced by an amount known as the excess Dont
sign on the dotted line until you know all the costs
Be honest with your Takaful operator - Provide complete and true
details because your duty of disclosure means you must tell the
truth when you fill in the proposal form If you leave details out any
future claim may be denied
6
UNDERSTANDING BASIC TAKAFUL TERMS
Takaful Definition
Certificate The contract between the participant (person participating) and the Takaful operator
Participant The person who has participated in the Takaful plan
Contribution The amount of money you pay for your Takaful plan
Sum covered
The maximum amount of coverage that you can receive from your Takaful operator if there is a claim This amount usually reflects the market value of the property you wish to cover
Exclusion The circumstances where your certificate does not apply or cover
Extension The coverage that you can add-on to your certificate to suit your needs This is provided at an additional contribution
Excess The portion of a claim that a participant is required to pay in the event of a claim and anything above the excess will be paid by the Takaful operator Eg if the excess in a plan is BND 1000 and the claim costs BND 3000 then the participant will pay the first BND 1000 and the remaining BND 2000 will be paid by the Takaful operator
7
Getting to know your Takaful concepts
What is Takaful
Takaful provides protection based on
Syariah principles This means that
Takaful is free from Ribarsquo (interest or
usury) Gharar (unknown or uncertain
factors) and Maysir (gambling)
How does Takaful work
Takaful works on the basis of mutual
help (Tarsquoawun) When you enter into
a contract (Aqad) with a Takaful
operator you become a participant of
a fund (Tabarrursquo) and agree to help
other participants when they face a
loss and make a claim
Takaful has been in
existence in Brunei
Darussalam since 1993
and has been widely
adopted by both Muslims
and non-Muslims ever
since However some
Takaful concepts may still
be unfamiliar including
the difference between
Takaful and conventional
insurance
This section intends to
provide a brief
understanding of Takaful
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
5
TYPES OF TAKAFUL There are two types of Takaful
1 General Takaful
Covers property such as your car house business employees
money etc
2 Family Takaful
Covers you your loved ones employees colleagues etc
TIPS WHEN PARTICIPATING IN TAKAFUL
Shop around - Get quotes from different Takaful operators and
compare what they offer Dont be afraid to ask lots of questions
Choose carefully - List the things you need (ie what you want
covered) to help you in picking the right plan
Renew your Takaful - Do this when your old Takaful plan expires or
as your circumstances change
Work out how much you need - Do this when you start or renew
your Takaful plan so that you dont find yourself significantly under
insured
Check exclusions - Always ask what is and isnt covered by your
Takaful plan
Check the costs - you will contribute or pay a fixed price known as
Takaful contribution for your cover and when you make a claim your
payout may be reduced by an amount known as the excess Dont
sign on the dotted line until you know all the costs
Be honest with your Takaful operator - Provide complete and true
details because your duty of disclosure means you must tell the
truth when you fill in the proposal form If you leave details out any
future claim may be denied
6
UNDERSTANDING BASIC TAKAFUL TERMS
Takaful Definition
Certificate The contract between the participant (person participating) and the Takaful operator
Participant The person who has participated in the Takaful plan
Contribution The amount of money you pay for your Takaful plan
Sum covered
The maximum amount of coverage that you can receive from your Takaful operator if there is a claim This amount usually reflects the market value of the property you wish to cover
Exclusion The circumstances where your certificate does not apply or cover
Extension The coverage that you can add-on to your certificate to suit your needs This is provided at an additional contribution
Excess The portion of a claim that a participant is required to pay in the event of a claim and anything above the excess will be paid by the Takaful operator Eg if the excess in a plan is BND 1000 and the claim costs BND 3000 then the participant will pay the first BND 1000 and the remaining BND 2000 will be paid by the Takaful operator
7
Getting to know your Takaful concepts
What is Takaful
Takaful provides protection based on
Syariah principles This means that
Takaful is free from Ribarsquo (interest or
usury) Gharar (unknown or uncertain
factors) and Maysir (gambling)
How does Takaful work
Takaful works on the basis of mutual
help (Tarsquoawun) When you enter into
a contract (Aqad) with a Takaful
operator you become a participant of
a fund (Tabarrursquo) and agree to help
other participants when they face a
loss and make a claim
Takaful has been in
existence in Brunei
Darussalam since 1993
and has been widely
adopted by both Muslims
and non-Muslims ever
since However some
Takaful concepts may still
be unfamiliar including
the difference between
Takaful and conventional
insurance
This section intends to
provide a brief
understanding of Takaful
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
6
UNDERSTANDING BASIC TAKAFUL TERMS
Takaful Definition
Certificate The contract between the participant (person participating) and the Takaful operator
Participant The person who has participated in the Takaful plan
Contribution The amount of money you pay for your Takaful plan
Sum covered
The maximum amount of coverage that you can receive from your Takaful operator if there is a claim This amount usually reflects the market value of the property you wish to cover
Exclusion The circumstances where your certificate does not apply or cover
Extension The coverage that you can add-on to your certificate to suit your needs This is provided at an additional contribution
Excess The portion of a claim that a participant is required to pay in the event of a claim and anything above the excess will be paid by the Takaful operator Eg if the excess in a plan is BND 1000 and the claim costs BND 3000 then the participant will pay the first BND 1000 and the remaining BND 2000 will be paid by the Takaful operator
7
Getting to know your Takaful concepts
What is Takaful
Takaful provides protection based on
Syariah principles This means that
Takaful is free from Ribarsquo (interest or
usury) Gharar (unknown or uncertain
factors) and Maysir (gambling)
How does Takaful work
Takaful works on the basis of mutual
help (Tarsquoawun) When you enter into
a contract (Aqad) with a Takaful
operator you become a participant of
a fund (Tabarrursquo) and agree to help
other participants when they face a
loss and make a claim
Takaful has been in
existence in Brunei
Darussalam since 1993
and has been widely
adopted by both Muslims
and non-Muslims ever
since However some
Takaful concepts may still
be unfamiliar including
the difference between
Takaful and conventional
insurance
This section intends to
provide a brief
understanding of Takaful
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
7
Getting to know your Takaful concepts
What is Takaful
Takaful provides protection based on
Syariah principles This means that
Takaful is free from Ribarsquo (interest or
usury) Gharar (unknown or uncertain
factors) and Maysir (gambling)
How does Takaful work
Takaful works on the basis of mutual
help (Tarsquoawun) When you enter into
a contract (Aqad) with a Takaful
operator you become a participant of
a fund (Tabarrursquo) and agree to help
other participants when they face a
loss and make a claim
Takaful has been in
existence in Brunei
Darussalam since 1993
and has been widely
adopted by both Muslims
and non-Muslims ever
since However some
Takaful concepts may still
be unfamiliar including
the difference between
Takaful and conventional
insurance
This section intends to
provide a brief
understanding of Takaful
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
8
What are the main Takaful concepts
bullRefers to the concept of mutual protection and sharedresponsibility
1) Takaful
bullArabic term for donation or gift
bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss
2) Tabarru
bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)
bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio
3) Mudharabah
bullArabic term for agency
bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants
4) Wakalah
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
9
What are the types of Takaful models used in Brunei Darussalam
The operation of a Takaful operator can be based on several models
depending on the class of business These include
bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio
(1) Mudharabah Model
bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund
(2) Wakalah Model
bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities
(3) Mudharabah amp Wakalah Model
(Hybrid)
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
10
MUDHARABAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
Commissions
Contribution
Fund related
expenses [1]
Distributable
Surplus
Investment
Returns
Profit
Participants Takaful Operator
Deduct Investment
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
11
WAKALAH MODEL
Note
[1] Fund Related Expenses
Death injury liability and property damage claims
Technical Reserves (as required by regulations)
ReTakaful costs
Refunds
In Brunei Darussalam who ensures that the Takaful plan offered is
Syariah compliance
Under the Takaful Order 2008 Takaful operators are required to
establish a Syariah Advisory Board to advise them on Syariah matters
including approving or endorsing Takaful plans to be launched by the
Takaful operator
Once the Syariah Advisory Board approves their Takaful plan it must be
submitted to the Syariah Financial Supervisory Board for approval The
Syariah Financial Supervisory Board acts as the national Syariah board
and gives the final approval for an Islamic financial product to be
introduced in Brunei Darussalam
Participants
Contribution
Syariah
Compliance
Investment
Fund related
expenses [1] Surplus
Tabarrursquo
Fund
Wakalah fee
(as agent)
Takaful
Operator
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
12
Comparison between Takaful amp Insurance TAKAFUL INSURANCE
Contract A combination of donation
and agency or profit sharing
contract
An exchange contract (sale
and purchase) between
insurance company and
policyholder
Guarantee Takaful operator is only the
fund manager The participant
mutually guarantees each
other
The insurance company
provides the guarantee
Fund The fund belongs to the
participant and managed by
the Takaful operator This
fund is separated from
shareholderrsquos fund
The fund belongs to the
insurance company but
separates assets of
insurance fund with
shareholderrsquos fund
Indemnity Provided by the Takaful fund Provided by the insurance
company using the
insurance fund
Risks treatment Risk is shared among the
participants
Risk is transferred from
the policyholder to the
insurance company
Responsibility
of Participants
Policyholders
Participants make
contributions to the scheme
Participants mutually
guarantee each other under
the scheme
Policyholders pay
premium to the insurance
company
Liability of the
Takaful
Operator
Insurance
Company
Takaful operator acts as the
administrator of the Takaful
plan and pays the Takaful
benefits from the Takaful
funds
Insurance company is
liable to pay the insurance
benefits as promised from
its assets (insurance funds
and shareholderrsquos fund)
Investment
of Fund
Assets of the Takaful funds
are invested in Syariah
compliant instruments
There is no restriction
apart from those imposed
for prudential reasons
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
13
The Basics of Motor Takaful
What is motor Takaful and why do I need it
Motor Takaful provides cover for damage to your vehicle as a result of a
road traffic accident and covers death and injury to third party andor
damages to third party property if you are involved in an accident
Coverage depends on the type of Takaful plan you will participate in
Examples of risk that you may ask
If I crash into a luxury sports car will I be able to afford the repairs
What happens if I hit a lamp post road barrier
How will I get around if my car is stolen or written off
So by having the right motor Takaful it will help you with the costs
Why is motor Takaful compulsory in Brunei Darussalam
In Brunei Darussalam it is against the law for a motor vehicle to be on
the road without the appropriate insurance coverage according to
Motor Vehicles Insurance (Third Party Risks) Act Chapter 90
What are the types of motor vehicles that can be covered
All types of motor vehicles that are approved to be on the road This
includes motorcycles cars trucks taxis and buses
Can I participate in motor Takaful plan from Takaful operators outside
Brunei Darussalam
No Motor Takaful can only be participated from Takaful operators that
are registered with AMBD
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
14
What are the types of motor Takaful plan available in Brunei
Darussalam
There are 2 types of coverage
(1) Third Party Cover (2) Comprehensive Cover
Standard
Coverage
Note take
note of the
limit
provided
Covers against
a) third party bodily
injury and death
b) third party
property damage
Covers against
a) third party bodily injury
and death
b) third party property
damage
c) Loss damage to your
own vehicle due to fire
theft or accidental
collision or overturning
or whilst in transit
excluding any sea route
What is excluded under these plans
Exclusions are items or conditions that are not covered in the Takaful
contract for certain acts property types of damage or locations The
typical exclusions are
depreciation (wear and tear)
loss or damage of
accessories and spare parts
damage to tyres only
loss of value after repairs
electrical breakdown failures
or breakage
damage due to unlawful act
or omission of any person
cost of replacement on
parts not directly
damaged as a result of
accident and
loss or damage caused
by criminal breach of
trust and damage cause
by act of cheating
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
15
What additional coverage (extension) can I get for my motor Takaful
plan
Additional coverage for your motor Takaful plan can be purchased by
paying additional contribution These include
windscreen damages
flood storm
excess protector
passengersrsquo risks in your own vehicle
personal accident
How do I set the sum covered for my motor Takaful plan
For new vehicles the sum covered will be the purchase price (excluding
vehicle license Takaful contributions and registration fees) For other
vehicles the sum covered is the market value of the vehicle at the date
you apply for the Takaful plan
Market value means an amount equal to the current accepted price of
the car It takes into account the age make model kilometers travelled
and condition of your car
What information do I need to disclose to my Takaful operator
You must disclose relevant information that is true and accurate
Personal details
Vehicle blue card
Existing Takaful certificate insurance policy
Proof of No Claims Discount (NCD) earned
Details of previous claims if any and
Modification made to the motor vehicle if any
Providing false information or documents may void the Takaful
plan
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
16
Case study
Ahmad bought a new car and participated in a comprehensive Takaful
plan He decided to add a spoiler and lower the car a few inches to give
it a more distinctive look without the approval from Land Transport
Department However when the car was damaged his claim was
rejected because the car was not roadworthy and he had not informed
his Takaful operator of the changes
Is the contribution pricing for motor Takaful fixed in Brunei
Darussalam
Yes to some extent There is a motor tariff rate used by Brunei
Insurance and Takaful Association (BITA) members whereby members
cannot charge lower than the tariff
What is a ldquoNo Claims Discountrdquo (NCD)
NCD stands for No-Claim Discount Some operators use the term No
Claims Bonus (NCB) This is a discount offered by Takaful operators for
those car owners who have not made any claims within a year or more
The longer the car owners do not make any claims the better the
discount they may be eligible for
How are NCDs applied to my motor Takaful plan
Different NCD rates are applicable to different classes of motor Takaful
In general the NCD is applied as follows
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
17
Private Car (NCD) Commercial Car (NCD)
Policy Period Comprehensive Third
Party Comprehensive
Third
Party
1 year before 20 20 10 10
2 consecutive
years before
25 25 15 15
3 consecutive
years before
30 30
(max)
20 (max) 20
(max)
4 consecutive
years before
40
5 or more
consecutive
years before
50 (max)
Case study How to calculate NCD
Driver A participates in a comprehensive plan for his one-year-old car and
his Takaful contribution amounts to BND 1000 If he did not make any
claims in the year before then he is entitled to a no-claims discount of
20
This means his discount is BND 1000 X 20 = BND 200
The contribution he has to pay is BND 1000 ndash BND 200 = BND 800
What is ldquoexcessrdquo
Excess is also known as ldquodeductiblerdquo It is the amount you have to pay
for each incident when you make a claim The types of excess applicable
are
1 Vehicle Excess
2 Driver Excess
a) Not named in certificate
b) Age of driver
c) Holder of provisional driving license or holder of full valid
driving license of less than 24 monthsrsquo duration
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
18
3 Geographical Area Excess
Case study How is excess applied
If the covered person has an excess of BND 500 and the total repair
costs BND 3000 then the covered person has to pay BND 500 while
the Takaful operator pays the remaining BND 2500
What is ldquoloadingrdquo
Loading is the additional contribution you have to pay on top of the basic
contribution This is to take into account of higher risk factors involved
such as age make and model of vehicle and claims experience
There are two different loadings -
(1) Model Loading
bullBased on the vehicle makeand model
bullThe basic tariff was meantfor ordinary vehicles
bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts
(2) Year Loading
bullBased on the vehiclersquos yearof manufacture
bullThe loading starts at year 6because of the new for oldprinciple
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
19
WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS
What should I do if my vehicle is involved
in an accident in Brunei Darussalam
Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement
Details of Accident a) Names and addresses of all
drivers and passengers involved
b) Vehicle registration numbers c) Make and model of vehicle
involved d) Takaful details of the other
driver(s) e) The names and addresses of
as many witnesses as possible
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license)
b) Copy of the police report made by the driver of your vehicle
c) Identity card of the owner and driver of your vehicle
d) Driving license of the owner and driver of the vehicle
Take note of the
accident
bullDo not panic and do not move your car until the Police hasarrived
bullTake note of the details of the accident
Make a police report
bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident
Notify your
Takaful Operator
bullYou must notify your Takaful operator immediately
bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition
Approved workshop
bullTow your damaged vehicle to a workshop approved by yourTakaful operator
Submit your
claim
bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
20
What should I do if my vehicle is involved in an accident outside Brunei
Darussalam
Same as above except you may need to decide whether to tow your
vehicle back to Brunei Darussalam or to be repaired at the place of
accident
What should I do if my car is stolen in Brunei Darussalam
What should I do if my car is stolen outside Brunei Darussalam
Same as above
Notify the police
bullGive immediate notice to the police
Report to your
Takaful operator
bullReport to Takaful operator as soon as possible after theincident
bullComplete a claim form and provide the relevantsupporting documents
Cooperate
bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
21
MAKING A MOTOR CLAIM
If my car is damaged by a third party who is responsible for the repairs
to my car
You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo
1 Own Damage Claim ndash This refer to making a claim on your own
Takaful provided you have a comprehensive plan However you will
lose your NCD entitlement upon renewal of the plan
2 Third Party Claim ndash You may make a third party claim if you are not
the party at fault in the accident and you can retain your NCD
entitlement
How do I make a claim for own damages (damages to my car)
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Approved workshop
bullYou must send your damaged car to a workshop approved by your Takaful operator
Documentation
bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card (to show
latest vehicle license) b) Copy of the police report made by the
driver of your vehicle c) Identity card of the owner and driver
of your vehicle d) Driving license of the owner and driver
of the vehicle
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
22
Note DO NOT proceed to repair your vehicle without the consent from
your Takaful operator OR the loss adjuster
How do I make a third party claim (claim against the other driver)
Third party owner driver to report the accident
bullRequest the third party to report the accident to his Takaful operator immediately
Notify the third partys Takaful operator
bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents
Make a police report
bullYou are required to make a police report within 24-hours of a road accident
Workshop repair
bullSend your car to a workshop of your choice or as advice by Takaful operator
Supporting Documents a) Copy of the vehicle blue card (to
show latest vehicle license) b) Copy of the police report made by
the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner and
driver of the vehicle
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
23
How do I make a claim for theft
Note Claim payable will be provided after 6 months from the date of
theft with a police report confirmation
Notify your Takaful operator
bullYou must notify your Takaful operator immediately
Make a police report
bullYou are required to make a police report of the loss immediately
Documentation
Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents
Supporting Documents a) Copy of the vehicle blue card
(to show latest vehicle license) b) Copy of the police report made
by the driver of your vehicle c) Identity card of the owner and
driver of your vehicle d) Driving license of the owner
and driver of the vehicle
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
24
What is a ldquowrite-offrdquo
ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs
When a Takaful operator decides to ldquowrite-offrdquo it means that you will be
offered a settlement amount instead of having to repair your vehicle
Why is my car being written off
There are 2 types of ldquowrite-offrdquo
Can I choose which workshop repairs my car
Some Takaful operators do not have a restriction on workshop and you
are free to choose your choice of workshop You will need to check your
certificate as to whether your plan restricts your vehicle to be repaired
at an authorised workshop
If I make a claim what happens to my NCD
If a driver is involved in a self-accident or his vehicle caught on fire or he
loses his vehicle in a theft claim then he would lose all of his NCD
If however in a claim situation where the participant is not at fault and
the Takaful operator is about to recover some or all of the cost of repairs
the participant will get back all of his NCD
(1) Total write-off
bullThis is where there is nopossibility of repairs to thesaid vehicle
bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire
(2) Constructive total loss
bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle
bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
25
GOOD TO KNOWhellip
If I sell my car what happens to my motor Takaful plan and the NCD
You can either transfer the motor Takaful plan to the new owner or
cancel the plan and get a refund if there is any You can get a letter of
NCD for your othernew car
Can I transfer my NCD to a different car
Yes you can as long as that other car is also under your name subject to
additional contribution to your previous car
If my car does not have a valid vehicle license is my motor Takaful plan
still valid
No If your car does not have a valid vehicle license at the time of an
accident your Takaful plan is not valid and the Takaful operator shall not
be liable for any claims arising from an accident
What happens if my car is involved in an accident when my vehicle
license and or motor Takaful plan is expired
1 Expired Vehicle license ndash Your Takaful operator shall not be liable
for any claims arising from an accident
2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for
any claims arising from the accident
If I modify my car is my motor Takaful plan still valid
No unless approval has been obtained from Land Transport
Department Ministry of Communication and in turn approved by your
Takaful operator
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
26
Is it cheaper getting my motor Takaful plan from an agent
It is not always cheaper if you get from an agent An agent receives
commission from Takaful operators An agent may choose to give more
discounts to their customers from their commission hence appearing to
be cheaper
If I rent out my car for hire do I need to tell my Takaful operator
Yes If you plan to rent out your car for hire you must obtain the
appropriate motor Takaful plan ie carriage for hire If you do not and
your car is involved in a car accident or is stolen while it is being rented
your Takaful operator will not cover the loss
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
27
The Basics of Fire Takaful
What are the types of fire Takaful available in Brunei Darussalam
There are three main types of plans available
Basic Fire Houseowner Householder
Standard cover
Covers for building only
Covers the building only
Covers household contents and personal effects
Perils covered include
Fire lightning and explosion (explosion of gas used for domestic purposes)
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
Other perils can be added with additional contribution
Fire lightning thunderbolt subterranean fire and explosion
Aircraft damage
Impact damage
Bursting or overflowing of tanks apparatus or pipes
Theft with actual forcible and breaking into or out of a building or any attempt threat
Hurricane cyclone typhoon windstorm
Earthquake volcanic eruption
Flood
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
28
Depending on your needs you may wish to participate in a basic fire and
householder plan or house owner and householder plan to receive
comprehensive coverage
BASIC FIRE TAKAFUL PLAN
What are the types of property that can be covered
under this plan
Buildings used for residential or commercial
purposes stock-in-trade plant machinery
equipment furniture fixtures and fitting electrical
appliances office and household contents and
personal effect can be covered under this product
What is excluded under a basic fire Takaful plan
The typical exclusions for this type of plan include
Theft during or after the occurrence of a
fire
Burning whether accidental or
otherwise of forests bush lalang
prairie pampas or jungle and the
cleaning of lands by fire
War or riot
Landslip
Nuclear activity
Terrorism
Asbestos
Please refer to your Takaful operator for details of your exclusion
Some of the above exclusions can be purchased by extending the
perils
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
29
What additional coverage (extension) can I get for my basic fire Takaful
plan
Subject to underwriting consideration the following extensions can be
added with additional contribution
Loss of rental
Removal of debris
Architectsrsquo fees
Surveyor and consulting engineerrsquos fees
Refer to your Takaful operator for other extensions available
How much should I cover my property for
Fire is an indemnity product You should cover based on the actual
current value of the property at the time of cover
The sum covered should cover the cost of rebuilding your property If
your property is under financing you should make sure that your
financier has taken adequate coverage
HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN
I already have a basic fire plan Do I still have to participate in the
houseowner andor householder plan
If you are already satisfied with the basic fire plan then you donrsquot
necessarily have to participate in the houseowner andor householder
plan
But if you decided on a houseowner and householder plan because it
has wider coverage that includes for loss or damages caused by storms
floods or burglary cover and you are currently having a fire plan you are
allowed to cancel your fire plan
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
30
If I owned a house which plan should I participate in
Houseowner and householder
If I rent a house which plan should I participate in
Householder
If I move from my rented house what would happen to my
householder Takaful plan
To continue your householder Takaful plan you must inform your
Takaful operator before moving so that they can advise you whether
they agree to continue cover in the new address location
If yes they will endorse the plan with the new address and advise
you the additional contribution payable if any
If no then you have to cancel the existing plan and participate a
new plan for the new address location
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
31
MAKING A FIRE CLAIM
How do I file a fire Takaful claim
Note Do NOT dispose of andor repair the damaged property of which
you intend to claim unless you have consent from your Takaful operator
or the loss adjuster
If I stay in a hotel during the investigation of fire Takaful claim will the
cost of staying be covered in my fire Takaful plan
No unless you have paid additional contributions to include such
coverage
Can I get my preferred contractor to carry out the repairs
Yes provided written consent is obtained from Takaful operator prior to
you choosing your preferred contractor
No
tify
th
e re
leva
nt
auth
ori
ties
Notify Fire and Rescue
department for fire and
perils Police department
for theft within 24-
hours No
tify
yo
ur
Tak
afu
l o
per
ato
r
Notify your Takaful
operator within the
time stipulated in
your certificate
Sub
mit
you
rcl
aim
Submit your claim with all
supporting documents to
your Takaful operator
Ass
essi
ng
you
rcl
aim
Cooperate fully with the
adjusters investigators appointed by your Takaful operator to assess your
claim
Supporting Documents a) A completed claim form b) Original copy of Takaful
certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
32
The Basics of Workmenrsquos Compensation Takaful
What is Workmenrsquos Compensation
The Workmenrsquos Compensation Act
(Chapter 74) provides for the payment of
compensation to workmen who have an
injury as a result of an accident arising out
of and in the course of their employment
Compensation is also payable to workman
who is disabled as a result of contacting
diseases arising out of and in the course
of employment
Who needs to have Workmenrsquos Compensation
According to the Workmenrsquos Compensation Act manual workers or
workers earning less than BND 750 monthly salary are required to have
workmenrsquos compensation This would include construction workers and
domestic helpers such as gardeners drivers and housemaids
Who is responsible for providing Workmenrsquos Compensation
All employers are required to provide workmenrsquos compensation for
their workers who fall within the category of workmen
Why is it important to have Workmen Compensation
Besides from being mandatory by law it is to provide protection to
both the employer and employee The employer is legally liable for the
employeersquos injury and illness related to the job and costs of medical
treatment can be covered by the Takaful operator
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
33
What kinds of injuries are covered
Any injury by accident arising out of and in the course of his employment
during working hours resulting in death or permanent disability
These would also include
where the workman is a passenger of a vehicle ship or aircraft
travelling to or from his place of work
where the workman is injured or dies occurring in Brunei
Darussalam
What injuries are not covered
Any injury NOT arising out of and in the course of his employment
These would also include
Sickness (ie stroke heart attack cancer etc)
Any injuries resulting from personal activities (ie fell down in a
shopping mall during a shopping trip had a motor accident whilst
going to a private functionparty etc)
An injury arises from where the worker was under the influence of
alcohol or a drug
Any disability or death resulting from a deliberate self-injury or the
deliberate aggravation of an accidental injury and
Any disability or death resulting from personal injury which was not
disclosed to the employer
What are the exclusions under workmenrsquos compensation
Exclusions include
War
Mutiny strike riot civil commotion
Terrorism
Employees of sub-contractors
Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
34
EMPLOYERrsquoS RESPONSIBILITIES
As an employer what will happen if I fail to participate workmenrsquos
compensation
If your employee is involved in an accident with no workmenrsquos coverage
you may be subject to a fine and penalty under the Workmenrsquos
Compensation Act
What is my responsibility in the event my employee suffers an injury
caused by a work-related accident
As an employer you are responsible to ensure the safety of your
employees and to carry out measures that prevent accidents or diseases
as required by law In the event of work-related accidents you are
responsible for
arranging medical assistance for the injured worker
reporting the accident to the Labour Department and
filing a claim with your Takaful operator
MAKING A WORKMENrsquoS COMPENSATION CLAIM
Who is responsible for filing a claim
Any claim for compensation under the Workmenrsquos Compensation Act
must be reported to the employer and also to the Labour Department
The employer must also report the accident to his Takaful operator if he
is making a claim under the Takaful plan
In general an accident which causes an injury or illness must be
reported to the employer within 7 days after it happened The employer
must then report the accident to the Labour Department within 10 days
after the accident
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
35
The following workflow shows the claims process Refer to your Takaful
operator for clarification
Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment
EMPLOYEEInform supervisor employer immediately about the injury
Seek medical treatment if necessary
EMPLOYER
Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide
supporting documents
LABOUR DEPT
Assess injuries and issue claim letter to employer
EMPLOYERComplete the Takaful claim
form and provide supporting documents including Claim Letter from Labour Dept to
Takaful operator
TAKAFUL OPERATOR
Process claim payment and prepare cheque for employers
collection
EMPLOYER
Collect the cheque from Takaful operator and forward
the cheque to Labour Department
LABOUR DEPT
Labour Dept will invite employer and employee to
handover the payment
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
36
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO
As an employee what kind of benefits will I receive from the Takaful
plan
Subject to the Labour Departmentrsquos assessment
For Total Permanent Disability the amount of compensation shall
be a lump sum equal to 60 monthsrsquo earnings or BND 36000
whichever is lower subject to a minimum of BND 12000
In the event of death your dependent will receive compensation in
a lump sum amount equal to 48 monthsrsquo earnings or BND 28800
whichever is lower subject to a minimum of BND 9600
In addition depending on your Takaful plan other benefits may include
Temporary disability benefits if your injury does not allow you to
work for 3 days or more
Compensation for other forms of injuries and disablement
Reimbursement of medical expenses
What is the first step I should take if I am injured while at work
Notify your employer and seek medical assistance from a Brunei
registered medical practitioner
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
37
If the injury is work-related how do I file a claim
It is the responsibility of your employer to file a claim You are required
to report the injury to your employer within a stipulated timeframe
Your employer must file the necessary paperwork to process your claim
Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above
What should I do if my claim is delayed
You should follow up with your employer and the Labour Department
You may also follow up with the Takaful operator on the status of your
claim
Who are allowed to be my dependents in the event of death
Dependents are family members who are wholly or partly dependent on
your income at the time of death This includes your spouse child
parents or grandparents
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
38
IF YOU REQUIRE MEDICAL
TREATMENT
Where do I go for medical treatment
You must refer to your employer for the
list of Brunei registered medical
practitioner or approved hospitals
Can my supervisor authorise medical treatment
Yes if your supervisor is approved to do so by your employer
Who is responsible for my medical treatment expenses
Depending on your employment contract payment for medical
treatment and other related expenses may be borne by you or your
employer Your employer will be responsible for claiming
reimbursement for your medical treatment
Who do I contact if I want to change doctors obtain a copy of my
medical report or talk about my medical care or about medical bills
Irsquove received (related to my workerrsquos compensation treatment)
You will need to check with your employer and the Takaful operator
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
39
GOOD TO KNOWhellip
Can I get 24-hour coverage for my foreign workers
Yes Some Takaful operators may offer 24-hour coverage through a
comprehensive workmenrsquos compensation package or endorse personal
accident to your basic workmenrsquos compensation Please check with your
Takaful operator if they offer this coverage
If my employee dies from a work-related injury who is responsible for
paying the funeral expenses If the employee is a foreigner who is
responsible for the repatriation expenses
You must refer to your Takaful plan to check whether it covers funeral
expenses and or repatriation expenses If it is covered then your
Takaful operator will be responsible for those expenses If it is not
covered then these expenses may be borne by the employer
Where do I report if I suspect fraudulent activity in a workmenrsquos
compensation claim
If you suspect that there is fraud you must report to the Labour
Department and your Takaful operator immediately You may be
advised to report the matter to the Police
Who receives the claim payment
For medical expenses that have been paid first by the employer the
claim payment will go to the employer
For Total Permanent Disability claims the claim payment will go to
the employee
In the event of a death the claim payment will go to the employeersquos
dependent(s)
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
40
The Basics of Travel Takaful
What is travel Takaful
Travel Takaful is designed for an individual who is looking for travelling
protection to reduce the burden of cost and risk associated with
unexpected emergencies andor misadventures during overseas travel
It covers personal accidents medical and hospitalization expenses
incurred due to accidental injuries loss of personal money and travel
documents loss of baggage due to flight delays and other benefits
Do you really need a travel Takaful coverage Is it really worth it
Yes most people may think travel Takaful is an unnecessary expense
However if you are travelling overseas the cost of medical andor
emergency medical evacuation expenses is significantly high-priced
Even if someone can afford the cost of medical if a medical emergency
evacuation is required then the arrangement process would be
extremely difficult
You also may need adequate preparation and planning to ensure a
smooth journey without any problems or incidents
What are the common coverages by travel Takaful
Baggage (lossdamage)
Baggage delayed
Hospital cash benefits
Medical expenses
Personal liability
Personal money
Strikes and hijacks
Trip cancellation
Personal accidents Trip curtailment
Note
Different Takaful operators may have different coverage for travel
Takaful plan You may want to refer to the Takaful operators to find
out more
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
41
Understanding terms of travel Takaful coverage
Coverage terms Descriptions
Baggage
(lostdamage)
This benefit indemnifies for the loss or damage of
your baggage in the event of accidental and theft
Baggage
delayed
In the event that your baggage is delayed for more
than 12-hours from the time of arrival you may
claim up to the amount covered stated The
coverage however would end after your return
home
Hospital cash
benefits
These benefits would pay a daily allowance if the
participant being hospitalised for treatment goes
up to a certain number of days
Medical
expenses
This benefit provides reimbursement on your
medical treatment expenses surgery and
hospitalisation occurring during your stay
overseas
Personal
accidents
This benefit provides lump sum compensation for
death or permanent disablement due to accidental
event
Personal
liability
This benefit provides coverage to participant
against any legal liability due to accidental injury to
third party or property damage to third party
Personal
money
This benefit applies to loss of cash banknotes and
traveller cheques arising from armed robbery
burglary or theft from locked safe deposit boxes in
the hotel
Strikes and
hijacks
These benefits would pay an allowance for
travelling delays (Airport or Railways Station) in
excess of 12-hours due to organized industrial
strike or hijacking of the aircraft or train
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
42
Trip
cancellation
This benefit covers reimbursement of any un-
refundable payment of booked travel tickets and
accommodation that you have already made in an
event where the travel plan is cancelled due to
unavoidable circumstances such as serious illness
or death of the participant or his travel companion
or death of his immediate family members
Trip
curtailment
This benefit covers reimbursement of any un-
refundable payment of unused portion booked
travel tickets and accommodation that you have
already made in an event that you have to shorten
your travel plan due to unavoidable circumstances
such as serious illness or death of the participant
or his travel companion or death of his immediate
family members
What are the general exclusions
1 Pre-existing condition
2 Participation in any professional sports or in any games and sports
3 Underwater activities except leisure scuba diving under supervision
4 Accidents while engaged in racing motor rallies and competitions
mountaineering rock climbing and hikingtrekking in remote areas
pot-holding and any activity involving you being airborne
5 Accidents while in any conveyance other than as a fare paying
passenger
6 Resulting from pregnancy including childbirth caesarean operation
abortion miscarriage and all related complications except
miscarriage due to an accident
7 If you are travelling contrary to the advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment
8 Directly or indirectly occasioned by happening through or in
consequence of
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
43
9 Treatment of mental Illness psychiatric disorders wilfully self-
inflicted injury or illness alcoholism or the use of drugs AIDS or ARC
(AIDS Related Complex) self-exposure to needless peril (except in
an attempt to save human life)
10 While the person covered is engaged in naval military air force
service or operations or testing of any kind of conveyance offshore
or mining aerial photography or handling in explosives
11 Mysterious disappearances
12 Unexplained losses and
13 In any way caused or contributed to by an act of terrorism involving
the use or release or the threat thereof any nuclear weapon or
device or chemical or biological agent
It is important for you to check your certificate for the complete
list of exclusions
What are the available plans under travel Takaful
Per trip basis ndash contribution will be charged according to number of
travel days coverage is short-term basis which will end upon returning
to Brunei
Annual basis ndash this plan is targeted to frequent travellers It will cover
any trips within the 12 months of the certificate period as long as per
trips do not exceed 90 days and each trip must return to Brunei
Where can I get travel Takaful plan
You can go directly to any of the Takaful counter or authorized agents
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
44
Can I participate in travel Takaful for infant and elder people of more
than 60 years old
Yes it can cover infants from the age of 2 weeks and above and a
loading would be applied to elder people between age of 65 to 80 years
old
What should I do if I need medical attention during my travel and I
have travel Takaful certificate
Call emergency international medical assistance or SOS services if no
general practitioner is available or for a serious case which may require
hospitalization
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful if they had engaged with international
medical assistance
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
45
MAKING A TRAVEL CLAIM
How to make a claim
Common supporting documents includes
Copy of your identity card passport
Copy of Takaful certificate
Completed claim form Original payment receipts (if any)
Notify your takaful operator- maximum fourteen (14) working days from date of loss
Notify nearest Police Station for incidentinvolving accidental death injury claimonly
- within twenty-four (24) hours
Complete and submit a claim form provided by your takaful operator together with relevant supporting documents
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
46
What documentation do I need when filing a claim
1 Baggage lossdamage
bullPolice report (in the event of theft)
bullPhoto of damage baggage
bullReceipt of purchased baggage
bullBaggage irregularity report from airline
2 Baggage delayed
bullBaggage irregularity report from airline
bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay
bullOriginal receipt on expenses paid (eg daily necessities)
3 Hospital cash benefits
bullOriginal receipt on other expenses
bullCopy of medical report
bullDischarge summary from hospital
4 Medical expenses Personal accidents
bullOriginal police report
bullOriginal receipt of medical repatriation expenses
bullOriginal medical billsreceipts
bullCopy of medical report
bullCopy of death certificate
5 Personal liability
bullPolice report (if relevant)
bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc
6 Trip cancellation Trip curtailment
bullTour operators confirmation of booking invoices
bullItinerary ticket
bullCounterfoil boarding pass(es)
bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant
bullCopy of medical report
bullCopy of death certificate
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
47
How soon will my claims be paid
Maximum two (2) weeks upon receipt of all necessary supporting
documentation
What exchange rate will be applicable when I make the claim
Different Takaful operators have different policies on the exchange rate
charges It can be at the date of loss or when the claim is process
Will the Takaful operator pay my medical bill directly under the travel
Takaful plan
You should pay for the medical treatment first and get a receipt to seek
reimbursement upon your return to Brunei However if the amount is
significant the participant may seek the assistance of SOS services for
advance guaranteed payment
Note
You should check with your Takaful operator authorised agents when
participating the travel Takaful for detailed coverage
What should I do if my covered belongings are lost or damaged during
my travel
Once you realise that you have lost your baggage in the airport you
should immediately lodge a report to the airport authority and the local
police station Then upon your return you may submit all the required
documents to your Takaful operator
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
48
GOOD TO KNOWhellip
Important points to note when participating in travel Takaful plan
Inquire on coverage first before purchase
Please ensure to bring along your travel certificate schedule
Leave a copy at home and notify your family that you have
travel coverage
Inform your travel companion that you have travel coverage -
In case you are unconscious due to your medical condition
shehe would be able to notify the hospital
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
49
Other types of general Takaful
Besides motor fire and workmenrsquos compensation there are many other
types of general Takaful available in Brunei Darussalam that may suit
your needs
Refer to your Takaful operator whether they offer these plans below
Takaful Plan Description
All Risks Covers all office contents and equipment against
loss or damage by any accident or misfortune not
otherwise excluded in the certificate
Covers property against loss or damage by any
accident or misfortune not otherwise excluded in
the certificate
Burglary Covers your property against loss or damage by
theft upon forcible and violent entry
Contractorsrsquo
All Risks
Cover against material damage and liability to
third party in respect of construction works
Deterioration
Stock
Cover against loss of damage to stocks or good in
cold storage due to breakdown of refrigerating
machinery
Directors amp
Officers
Liability
Protect the directors and officers of a company for
any claim against them for wrongful acts acting in
their capacity as directors or officers of the
company
Equipment All
Risks
Covers any moveable vehicles not used on public
roadsequipment caused by or arising from
accidental collision or overturning fire external
explosion self-ignition or lightning and burglary
housebreaking or theft
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
50
Erection All
Risks
Similar to Contractorrsquos All Risks except this
product is designed for contract works
predominantly erection of machinery coupled
with testing
Fidelity
Guarantee
Cover against act of fraud or dishonesty
committed by employee
Fire
Consequential
Loss
Covers for the loss of profit following losses to
physical assets covered under a fire Takaful plan
in the event of a fire
Glass Covers against breakage of glass at business
premises
Golferrsquos Protect golfers against personal liabilities to a
third party and accidental bodily injury whilst
playing or practicing golf on any recognised golf
course
Liability Protect against legal liability due to accidental
bodily injury and accidental property damage to
third parties caused by or through the negligence
of the participants or their employees
Machinery
Breakdown
Covers any sudden and unforeseen breakdown or
damage to the insured machinery plant and
equipment either due to accident or failure of the
components within itself
Marine Cargo Covers against loss or damage to the buyer or
sellerrsquos goods whilst it is being transported by sea
air or land
Marine Hull Covers against loss or damage to vessel and
liability to third party
Money Covers against loss of money whilst in transit and
money kept in the participantrsquos premises
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed
51
Personal
Accident
Covers against any bodily injury that results in
death or permanent disablement due to accident
(external and visible means)
Product
Liability
Protects the participant in the event of any claim
brought against him for anything harmful or
defective in the products or packaging sold or
supplied by the participating connection with the
business
Professional Indemnity
Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed