Employee Compensation Insurance

It protects employers from significant financial losses due to workplace injuries or illnesses by covering medical expenses and lost wages for employees

Fulfills the insured employer's liability arising either under the law that is common as per laid down laws

By ensuring that employees are covered in case of work-related injuries or illnesses, it boosts employee morale and loyalty, knowing they are protected

Both employers and employees can have peace of mind knowing that there is a safety net in place for unforeseen workplace accidents

Compensation for temporary or permanent disability resulting from a workplace injury

Financial support to the dependents of an employee who dies as a result of a work-related incident

Coverage for physical therapy and vocational rehabilitation to help the employee return to work subject to policy terms and conditions

Please read policy wordings and schedule for detailed inclusions

If an employee gets injured because of events like war, invasion, attacks by foreign enemies, civil war, mutiny, rebellion, revolution, military actions, or the use of nuclear weapons or materials, or exposure to radiation from nuclear fuel or waste, then the injury is considered to be caused by these specific situations

An accident that happens somewhere other than the specified work locations listed in the Schedule is not covered, unless the employee was there for work purposes, following the instructions of the employer or an authorized supervisor

For interest and/or penalty imposed on the Insured under any law or otherwise

For injury sustained by a person employed by the Insured, but not in the course of the Business, and/or not declared for insurance under this Policy

For any incapacity or death of an Employee resulting from his/her deliberate self-injury or the deliberate aggravation of an accidental Injury

Please read policy wording for detailed exclusions

Covers medical expenses in case of accidents arising out of workplace accidents if specifically opted

Pays for the diseases contacted due to the nature of work if opted