The Workmen’s Compensation policy provides payment for legal compensation to Employees or their dependants in case of injury and accident of the employees at workplace (including certain occupational disease) arising out of and in the course of employment and resulting in disablement or death.

Basic covers include Accidental death, Permanent total or Partial Disability and Temporary total disability. Add on covers include Medical Extension, Compressed Air Disease, Occupational Disease, Terrorism and Sub Contractor Coverage

Addon covers are provided in Workmen Compensation policy?
 

•     Occupational Disease

•    Compressed Air Disease

•    Contractor /Sub Contractor Coverage

•    Terrorism Cover

•    PAN India Location Coverage

•    Medical Expenses (Per Employee Limit)

•    Cashless for Medical Expenses

"Permanent total disablement" means such disablement of a permanent nature as incapacitates an employee for all work which he was capable of performing at the time of the accident resulting in such disablement.
List of disablements is specified in the Workmen compensation Act.

Permanent partial disablement" means, where the disablement is of a permanent nature, such disablement as reduces the earning capacity of an employee in every employment which he was capable of undertaking at the time of the accident resulting in the disablement.
List of disablements is specified in the Workmen compensation Act.

"Temporary disablement" means a condition resulting from an employment injury which requires medical treatment and renders an employee, as a result of such injury, temporarily incapable of doing the work which he was doing prior to or at the time of the injury.

Exclusions of Workers' Compensation Policy

• Willfull disobedience of safety rules

• Accidents caused due to the consumption of alcohol or drugs

• Injuries caused outside the office premises

• Accidents involving non-workers