Workmen compensation policy

  • The workmen compensation policy is based on the Act by the same name

    The WC Policy now renamed as the Employees' Compensation Act.

    The Act provides for the payments of compensation by the Employer to his Employees if personal injury is caused to them by accidents arising out of and in the course of their employment.

    The maximum compensation payable is upon the following Amendment Act, 1984, Dec - 2000 & 2009

    Death resulted form injury

    Permanent Total Disablement

    Permanent Partial Disablement

    Temporary Disablement

  • Extensions

    • Actual medical, surgical and hospital expenses including the cost of transport to hospital for Accidental employment injuries
    • Any compensation for diseases mentioned in Part 'C' of Schedule III of the Workmen's Compensation Act, 1923, which arise out of and in the course of employment
  • Main Exclusions

    • Any injury which does not result in fatality or partial disablement for a period exceeding 3 days
    • The first 3 days of disablement where the total disablement is less than 28 days
    • Any non-fatal injury caused by any accident directly attributed to:
    • Influence of drinks or drugs
    • Willful disobedience of an order for securing safety to the workman
    • Willful removal or disregard of a safety guard device
    • War group and nuclear group of perils
    • Liability to employees of contractors of the Insured (unless separately declared and covered)
    • Liability of the Insured assumed under an agreement
    • Occupational Diseases.