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কমার্শিয়াল ইনস্যুরেন্স

Employee Insurance

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কোটেশান পান

মূল ফিচারগুলি

Your Business, Our Priority

Coverage Highligths

Comprehensive plans for your valued employees

  • Medical Expenses Coverage

Covers treatment costs for workplace injuries

  • Employees Compensation Act Compliance

Ensures compensation as per law

  • Workplace Accident Liability

Covers legal liability for workplace accidents

  • Optional Policy Extensions

Offers additional coverage for enhanced protection

  • মনের শান্তি

Ensures peace of mind to both employer and employees

  • Employee Attraction and Retention Tool

Choose from our holistic employee insurance policies to attract and retain employees

  • Many more

Type of Employee Insurance Policies

Choose the best suited plan for your unique requirements

  • গ্রুপ হেলথ ইনস্যুরেন্স

Provides health insurance coverage to a group of people, typically employees of a company or members of an organisation

  • Group Personal Accident Insurance

Provides financial protection to employees in the event of accidental death or disability

  • Employee Compensation Insurance

Provides financial protection to employees who suffer injuries or illnesses due to their job

  • গ্রুপ ট্রাভেল ইনস্যুরেন্স

Protects employees during business trips by covering medical expenses, trip cancellations, lost baggage, accidental death, emergency evacuations, and offering 24/7 travel assistance

Employee Insurance

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COMPREHENSIVE COVERAGE FOR YOUR EMPLOYEE

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Group Heath Insurance

  • কম্প্রিহেন্সিভ মেডিকেল কভারেজ
  • In-patient and out-patient care
  • Emergency medical services
আরও জানুন

Group Accident Insurance

  • Accidental death benefits
  • Disability coverage
  • সন্তানের শিক্ষার ক্ষেত্রে সুবিধা
আরও জানুন

Employee Compensation Policy

  • Coverage for workplace injuries
  • Disability benefits included
  • চিকিৎসা খরচের রিইম্বার্সমেন্ট
আরও জানুন

Employee Travel Insurance

  • Medical emergencies covered
  • Trip cancellations reimbursed
  • Lost baggage compensation
আরও জানুন

Why Insure Your Workforce with Bajaj Allianz?

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Fast & hassle free claims settlement

Experienced team of claim handlers

Customisable coverage options

Customise your insurance as per your need
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Competitive plans

Exhaustive Coverage at competetive premiums

24x7 সাপোর্ট

Quick and smooth claims with 24/7 dedicated customer help

পলিসি সংক্রান্ত নথি ডাউনলোড করুন

Get instant access to your policy details with a single click.

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কাস্টোমার ইনফর্মেশন
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Trusted Risk Advisor

Mobile Self Risk Assessment

PRIME Inspection app helps to evaluate quality of your property (Shop, Office, Plant or Others) having SI upto INR 50 crs. It is simple to navigate having multiple Q & A designed for client

Instant Generation of Risk Report

It helps Provide Risk Recommendations, Risk Quality Rating (RQR), Peer Comparison & GAP Analysis for the client

Start Your Journey

Frequently Bought Together

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Standard Fire & Special Perils Policy

  • Coverage for industrial units, warehouses, hotels etc
  • Protects against perils like fire, lightning, explosion, natural disasters, riots etc

Marine Open Policy

  • One policy, multiple shipments, zero hassle
  • Ensure seamless transit coverage all year round with one policy—no hassles, no interruptions

Commercial General Liability

  • Shields against liability due to third party bodily injury & property damage
  • Pays defense costs and fees

Step-by-Step Guide

To help you navigate your insurance journey

কীভাবে কিনবেন

  • 0

    Visit the Bajaj Allianz General Insurance website

  • 1

    Fill in the lead generation form with accurate details

  • 2

    Get quote, make payment and receive the policy documents

এখনই কিনুন

How To Renew

  • 0

    Contact the Policy Issuing Office

  • 1

    Review expiring policy and share necessary details

  • 2

    Receive renewal quote

  • 3

    Make renewal payment

  • 4

    Receive the renewed policy documents via email

এখনই রিনিউ

How to Claim

  • 0

    Contact us through our customer service touchpoints

  • 1

    Submit the claim form along with the necessary documents

  • 2

    Provide details of the incident and any supporting evidence

  • 3

    Cooperate with the claims investigation process

  • 4

    Receive the claim settlement as per the policy terms

Claim Now

আরও জানুন

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    For any further queries, please reach out to us

  • 1

    Toll Free : For Sales :1800-209-0144

  • 2

    Email ID: bagichelp@bajajallianz.co.in

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পার্সোনাল অ্যাক্সিডেন্ট পলিসি

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গ্লোবাল পার্সোনাল গার্ড পলিসি

Claim Motor On The Spot

Two-Wheeler Long Term Policy

24x7 রোডসাইড/স্পট অ্যাসিস্টেন্স

Caringly Yours (Motor Insurance)

ট্রাভেল ইনস্যুরেন্স ক্লেম

ক্যাশলেস ক্লেম

24x7 Missed Facility

একটি ট্রাভেল ইনস্যুরেন্স ক্লেম ফাইল করা

My Home–All Risk Policy

হোম ইনস্যুরেন্স ক্লেমের প্রক্রিয়া

হোম ইনস্যুরেন্স পদ্ধতি সহজভাবে দেখানো হয়েছে

হোম ইনস্যুরেন্স কভার

Smart Reads, Right Coverage

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ClaimProcess

What You Should Know About The Workmen’s Compensation Cover

  • Workmen’s Compensation Cover
  • Special conditions applicable to the cover
  • Special exclusions under Workmen’s Compensation Cover
ClaimProcess

এমএসএমই ইনস্যুরেন্স পলিসিগুলি কি বিশ্বব্যাপী দুর্ঘটনাজনিত শারীরিক আঘাত কভার করে?

  • What is MSME insurance?
  • Understanding worldwide coverage for accidental bodily injury
  • Conditions applicable for worldwide accidental bodily injury
ClaimProcess

What Are The Duties And Obligations Of A MSME Insurance Policyholder

  • MSME insurance policies
  • Duties and obligations post-occurrence of an insured event
  • Key provisions and considerations
ClaimProcess

Exploring In Detail: Workmen’s Compensation Act

  • Workmen’s Compensation Act Cover
  • Special exclusions applicable to the Workmen’s Compensation Act Cover
  • Other coverages under Bharat Laghu Udyam Suraksha
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Create a Profile With Us to Unlock New Benefits

  • Customised plans that grow with you
  • Proactive coverage for future milestones
  • Expert advice tailored to your profile
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Why Choose Us

পুরস্কার
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Bajaj Allianz General Insurance won IBEX award
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Bajaj Allianz wins Product Innovator of the Year
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Bajaj Allianz earns top honours for customer excel

Bajaj Allianz won best usage of data analytics

What Our Customers Say

Efficient Claim Processing

Our employee's accident was handled swiftly. The claims process was clear, and the settlement was fair. This helped us support our employee during a difficult time.

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Ramesh Patel

আহমেদাবাদ

4.8

12th Oct 2023

Helpful Support Team

The support team was incredibly helpful in explaining the policy details and answering all our questions. They made setting up our company's workmen's compensation insurance hassle-free.

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Anjali Sharma

দিল্লী

4.6

3rd May 2024

দ্রুত পলিসি ইস্যু করা

We needed to get our employee compensation insurance in place quickly, and this company delivered. The online process was fast, and we received our policy documents within a few hours.

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Priya Menon

চেন্নাই

4.7

22nd Nov 2023

কম্প্রিহেন্সিভ কভারেজ

Comprehensive coverage; giving us peace of mind knowing our employees were protected. The detailed policy document was easy to understand.

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Sunita Kapoor

কোলকাতা

4.9

18th Jan 2024

Straightforward Renewal

Renewing our workmen compensation insurance was a breeze. The online portal is user-friendly, and the process was completed in minutes.

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Deepak Singh

চন্ডীগড়

4.5

7th Jul 2023

Fair Premiums

We found the premiums to be very competitive, especially considering the comprehensive coverage offered. It's a great value for small businesses like ours.    

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Meera Desai

সুরাত

4.6

14th Apr 2024

Proactive Assistance

I appreciate the proactive approach of the company with updates and reminders. Their commitment to customer service is truly commendable. We felt well-informed and supported throughout the process.

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Kavita Reddy

হায়াদ্রাবাদ

4.8

1st Mar 2024

প্রায়শই জিজ্ঞাসিত প্রশ্নাবলী

What does Employee Compensation Insurance cover?
Workmen's compensation insurance usually covers medical expenses, wage loss, and disability benefits for employees injured at work. It provides compensation for temporary or permanent disabilities among other things. This insurance ensures that employees receive prompt financial support while employers meet statutory legal requirements.

Who is required to have Employee Compensation Insurance?
Employers in industries with higher risk levels, such as construction, manufacturing, or mining, are legally required to have workmen's compensation insurance. This coverage protects both full-time and temporary employees from financial hardships due to workplace injuries, ensuring compliance with labour laws and promoting a safe work environment.

How are claims processed in Employee Compensation Insurance?
When an employee is injured, the claim process starts with prompt notification to the insurer. The employee must submit a claim form along with medical reports and incident details. The insurer verifies the documentation, assesses the claim, and then processes compensation ensuring timely financial relief for the worker.

What documents are needed to file an employee compensation claim?
Essential documents include a duly filled claim form, medical reports, accident or incident reports, proof of employment, and any other relevant documents such as FIR or police reports in case of a major incident. Accurate documentation helps the insurer verify the claim and expedite the compensation process for the injured employee.

Can temporary workers also be covered?
Yes, workmen's compensation insurance can cover temporary & contractual employees as well. Employers often extend this coverage to all workers to comply with legal requirements & protect everyone on the job site. This inclusive approach ensures that all employees receive necessary financial support and medical benefits in the event of an accident.

What is Employee Compensation Insurance?
Employee compensation insurance provides financial protection for employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs.

Who needs Employee Compensation Insurance?
Employers in high-risk industries such as construction, manufacturing, and mining are typically required by law to have employee compensation insurance. This ensures that employees are protected in case of workplace accidents.

What injuries are covered under Employee Compensation Insurance?
The insurance covers injuries sustained during the course of employment, including accidents, repetitive stress injuries, and occupational diseases. It also covers injuries that occur off-site if they are work-related.

Are all employees covered under this Insurance?
Most policies cover full-time, part-time, and temporary employees. However, coverage details can vary from one policy to another, so it's important to review the specific terms of the policy.

What are the benefits of Employee Insurance for employers?
This insurance helps employers comply with legal requirements, reduces the risk of lawsuits, and promotes a safer work environment.

How do I file an employee compensation claim?
Notify your employer immediately after the injury occurs. Fill out a claim form and submit it along with medical reports and any other required documentation to the insurer.

What documents are needed to file an employee compensation claim?
Essential documents needed to file a claim under employee compensation insurance include a completed claim form, medical reports, accident or incident reports, proof of employment, and any other relevant documents such as police reports in case of a major incident.

How long does it take to process an employee compensation claim?
The processing time can vary depending on the complexity of the claim and the relevance & accuracy of the documentation provided. Prompt reporting and submission of all required documents can expedite the process.

What should I do if my employee compensation claim is denied?
If your claim is denied, review the reasons provided by the insurer. You can appeal the decision by providing additional evidence or documentation to support your claim.

Are there any exclusions in employee compensation claims?
Common exclusions include injuries resulting from intentional misconduct, self-inflicted injuries, and injuries sustained while under the influence of drugs or alcohol. Always review your policy for specific exclusions.

How do I renew my Employee Compensation Insurance policy?
Contact your insurer before the policy expiration date to discuss renewal options. Review your coverage needs and make any necessary adjustments to the policy.

Can I make changes to my employee insurance policy upon renewal?
Yes, you can update your policy to reflect any changes in your business operations, such as new job roles, increased workforce, or additional coverage needs.

What factors should I consider when renewing my policy?
Consider changes in your workforce, job roles, and any new risks that may have emerged. Review your past claims and adjust coverage limits as needed at the time of renewal as well.

Is there a grace period for renewing employee insurance policies?
Some insurers may offer a grace period, but there’s no guarantee. It’s important to renew your policy before it expires to avoid any gaps in coverage.

Can I switch insurers when renewing my Employee Compensation Insurance
No, you can’t switch the insurer for your existing employee insurance. However, you may get a new policy with a different insurer at the time of renewal if needed. Ensure there is no lapse in coverage during the transition.
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অস্বীকারোক্তি

    • যদি আমার টেলিফোন/মোবাইল এনডিএনসি-এর সঙ্গে রেজিস্টার করা থাকে, এবং কিংবা যদি ভারতের টেলিকম রেগুলেটরি অথরিটি [ট্রাই] অনাকাঙ্ক্ষিত টেলিকল সম্পর্কিত বিধিনিষেধ / গাইডলাইনে অন্তর্ভুক্ত থাকে, তাহলে আমার এই ওয়েবসাইট ব্যবহার করা এবং বাজাজ অ্যালিয়ান্স জেনারেল ইনস্যুরেন্স কো লিমিটেডের (ব্যাজিক) প্রোডাক্ট / পরিষেবা সম্পর্কে জিজ্ঞাস্য / যাচাই করে সাইট অর্ধেক পথে ছেড়ে দিই এবং অথবা আমাকে কল করার জন্য একটি অনুরোধ করি, তাহলে যেন এটি ধরে নেওয়া হয় যে আমি ব্যাজিক-কে স্পষ্টতই অনুমোদন দিয়েছি এবং অথবা আমি ব্যাজিক-কে বিভিন্ন ইনস্যুরেন্স প্রোডাক্ট এবং ব্যাজিক-এর পরিষেবা সম্পর্কিত অনুরোধ এবং সংগ্রহের লক্ষ্যে আমাকে কল করা অথবা টেক্সট মেসেজ পাঠানোর জন্য অনুমোদন প্রদান করেছি. এই বিষয়ে আমার কাছে ব্যাজিক-এর তরফে করা কোনও অপ্রয়োজনীয় কল এলে সেই সম্পর্কে ট্রাই-এর কাছে আমার কোনও অভিযোগ বা নালিশ জানানোর অবকাশ থাকবে না.

    • এই ওয়েবসাইটে ব্যবহৃত ছবি এবং তাদের মডেলগুলি শুধুমাত্র বোঝানোর উদ্দেশ্যে ব্যবহার করা হয়েছে এবং কারোর ব্যক্তিগত চিন্তা বা ধারণার প্রতি নির্দেশিত নয়.
    • ট্যাক্সের সুবিধাগুলি ট্যাক্স আইনের আওতায় পরিবর্তন সাপেক্ষ.
    • ভুয়ো ফোন কল থেকে সাবধান: ইনস্যুরেন্স পলিসি বিক্রি করা, বোনাস ঘোষণা বা প্রিমিয়ামের বিনিয়োগের মতো কার্যকলাপের সাথে IRDAI জড়িত নয়. এই ধরনের ফোন কল পেলে সেই সম্বন্ধে পুলিশের কাছে অভিযোগ দায়ের করার জন্য জনসাধারণকে অনুরোধ করা হচ্ছে.

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What makes our insurance unique

With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144