The Workman Compensation Policy provides coverage to employers for financial liabilities arising from work-related injuries or illnesses suffered by their employees during the course of employment.



The policy covers a wide range of work-related injuries, including accidents, occupational diseases, and disabilities.



Yes, the policy covers medical expenses incurred for the treatment of employees’ work-related injuries or illnesses.



Yes, the policy provides compensation for lost wages during the period of temporary disability caused by work-related injuries or illnesses.



In case of a fatal accident, the policy provides compensation to the deceased employee’s family as per the policy terms.



Usually, injuries sustained during the daily commute to and from work are not covered under the policy.



Pre-existing medical conditions are generally excluded from coverage under the policy.



Yes, the policy covers employees involved in hazardous work, subject to policy terms and conditions.



To make a claim, the employer should promptly inform the insurance company about the incident and submit the necessary documentation.



Yes, the policy usually extends coverage to temporary or contract workers engaged by the employer.



The compensation limit varies based on the policy’s sum insured and terms and conditions.



Yes, additional extensions for legal liabilities towards third parties can be included in the policy.



Yes, the policy typically provides coverage for employees during off-site work assignments.



Yes, the policy can be tailored to meet the specific requirements of the employer’s business.



The policy usually has a waiting period before coverage begins, as specified in the policy terms.



The policy can be renewed before its expiry date by paying the premium and updating any changes in employee details.



Yes, employers can choose higher coverage limits based on their needs, subject to insurer approval.



Yes, the policy may cover legal representation expenses incurred by employees during claim disputes.



Coverage for employees working abroad may be subject to additional endorsements or riders in the policy.



The insurance company assesses the validity of the claim, conducts investigations, and settles the claim amount based on policy terms and the extent of the injury or illness.



Add-ons are additional coverages that enhance the basic policy. They provide extra protection, such as coverage for legal liabilities or extended benefits, making the policy more comprehensive and tailored to your business needs.



Yes, you can opt for Terrorism Coverage as an Add-on to protect against work-related injuries or fatalities caused by acts of terrorism.



Yes, you can add coverage for Employees’ Repatriation Expenses, which compensates for the cost of sending an injured employee back to their home country for medical treatment.



Yes, Loss of Personal Effects can be added to compensate employees for personal belongings damaged or lost during a work-related incident.



Yes, you can opt for Family Transportation Expenses coverage to reimburse the cost of transporting the family members of a deceased employee to their home location.



Yes, you can choose an Add-on to increase the compensation limit beyond the standard coverage, providing higher benefits to employees in case of severe injuries or disabilities.



Yes, you can include Commute Coverage Add-on to extend protection to employees during their daily travel to and from work.



Yes, you can opt for Coverage for Occupational Diseases, providing financial support to employees suffering from work-related illnesses.



Yes, you can add Critical Illness Coverage to provide financial assistance to employees diagnosed with critical illnesses due to work-related factors.



Yes, you can extend coverage to temporary or contract workers by including an Add-on in the policy.



Yes, you have the flexibility to customize the Add-ons to align with your specific business needs and the nature of your workforce.



Yes, you can include Travel Accident Coverage Add-ons to protect employees during official business trips.



Yes, you can opt for Legal Defense Costs Add-on to cover legal expenses incurred during claim disputes or lawsuits.



Yes, you have the flexibility to customize the Add-ons to align with your specific business needs and the nature of your workforce.



Yes, you can include Travel Accident Coverage Add-ons to protect employees during official business trips.



Yes, you can opt for Legal Defense Costs Add-on to cover legal expenses incurred during claim disputes or lawsuits.



Yes, you can choose an Add-on to cover Rehabilitation Expenses, helping employees recover and return to work after an injury.



Yes, you can include a Group Life Insurance Add-on to provide life insurance benefits to employees as part of the policy.