Medical Expenses
Covers all necessary medical expenses arising from work-related injuries or illnesses, including hospitalization, surgery, medicines, and ongoing treatments.
Disability Benefits
Provides compensation for permanent total disablement, permanent partial disablement, and temporary disability during recovery periods.
Death Benefits
Ensures financial compensation to legal dependents in case of employee death due to work-related accidents.
Death
If an employee loses their life due to a work-related accident, the policy ensures financial compensation is provided to their legal dependents with a lump-sum payout as mandated by law.
Permanent Total Disablement
Provides lump-sum compensation for permanent total disability such as loss of both limbs, eyesight, or paralysis, helping manage long-term challenges and loss of earning capacity.
Permanent Partial Disablement
Offers proportionate compensation based on the extent of disability for injuries like loss of a finger, limb, or partial loss of vision.
Leave Benefit During Recovery
Provides wage compensation for the recovery period when an employee is unable to work due to workplace injury, ensuring continued income support.
Medical Expenses
Covers all necessary medical expenses including hospitalization, surgery, medicines, and ongoing treatments required for recovery from work-related injuries.
Coverage for All Workers
Ensures all workers, including payroll employees, contractors, and subcontractors are covered under the policy.
Employment Relationship
The injured person must be an employee of the insured.
Work-Related Injury or Illness
The injury or illness must arise out of and in the course of employment.
Notification
The employer must notify the insurance company promptly about any work-related injury or illness.
Record Maintenance
The insured must maintain accurate records of employees and wages and permit inspection when required.
Intentional Injuries
Injuries caused intentionally by the employee are not covered.
Self-Inflicted Injuries
Injuries resulting from self-harm or suicide attempts are excluded.
Non-Work-Related Injuries
Injuries or illnesses not related to work activities are not covered.
Violation of Law
Injuries resulting from the employee's violation of law or safety regulations.
Under Influence of Drugs/Alcohol
Injuries occurring while the employee is under the influence of drugs or alcohol.
Contractual Liability
Any liability assumed under a contract not specifically covered by the policy.
In an increasingly working environment, the possibility of death or bodily injury to any employee during the course of employment cannot be ruled out. Employee rights under the law have advanced significantly, and in the corporate world, better communication ensures that significant liability will fall on the employer in such circumstances.
Therefore, it is always important for every employer to cover such uncertain liabilities as they can be very significant in quantum. Additionally, the cost of such insurance is minimal compared to the potential liability.
Medical Expenses
Comprehensive coverage for all medical treatment costs related to work injuries.Disability Benefits
Financial support for permanent and temporary disabilities resulting from workplace accidents.Death Benefits
Lump-sum compensation to families in case of work-related fatalities.Ready to Protect Your Business?
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