When people work for an American employer here in the United States, it is not mandatory for a company to offer any type of insurance. Granted, it will get them a better work group, but it is still not mandatory. When a company has workers working outside the United States on a military base, it is quite a different story. Every corporation who has workers in another country, at a military base, must have Defense Base Act Insurance. The DBA insurance rates can be obtained online from the Insurance Office of America or by contacting them offline.
While no company likes to see one of its workers injured or killed on a job site, it is infinitely harder on the worker if he or she survives as well as the family that worker leaves behind if he or she does not survive. Having this type of insurance means that a worker will have medical expenses covered, and a great thing about it is that the worker is able to use the doctor of his choice. If something happens to the worker and he is not able to return to work, then it also includes disability benefits.
Unfortunately, sometimes fatal accidents do happen, and a worker can lose his life. This is devastating to a family regardless, but it is even harder if the proper insurance has not been taken out. With DBA insurance, it is not a question at all since death benefits are often included. This would be payable to the surviving spouse to take care of the spouse as well as any children. Another benefit is that it can also increase because the cost of living increases every year. It is just another safety measure that is put in place to protect not only the worker but the families they have left back home as well.