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कमर्शियल इन्श्युरन्स

Employee Insurance

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कोटेशन मिळवा

महत्त्वाची वैशिष्ट्ये

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

  • मन:शांती

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

  • ग्रूप हेल्थ इन्श्युरन्स

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

  • ग्रुप ट्रॅव्हल इन्श्युरन्स

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

motor

COMPREHENSIVE COVERAGE FOR YOUR EMPLOYEE

BestSeller

Group Heath Insurance

  • सर्वसमावेशक मेडिकल कव्हरेज
  • In-patient and out-patient care
  • Emergency medical services
अधिक माहिती घ्या

Group Accident Insurance

  • Accidental death benefits
  • Disability coverage
  • मुलांच्या शिक्षणाचा लाभ
अधिक माहिती घ्या

Employee Compensation Policy

  • Coverage for workplace injuries
  • Disability benefits included
  • वैद्यकीय खर्चाची रिएम्बर्समेंट
अधिक माहिती घ्या

Employee Travel Insurance

  • Medical emergencies covered
  • Trip cancellations reimbursed
  • Lost baggage compensation
अधिक माहिती घ्या

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 सपोर्ट

Quick and smooth claims with 24/7 dedicated customer help

पॉलिसी दस्तऐवज डाउनलोड करा

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

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ब्रोशर
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पॉलिसी मजकूर
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प्रपोजल फॉर्म
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Claims Form
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कस्टमरची माहिती
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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

खरेदी कसे करावे

  • 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

आत्ताच खरेदी करा

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

लगेच रिन्यू करा

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

अधिक माहिती घ्या

  • 0

    For any further queries, please reach out to us

  • 1

    Toll Free : For Sales :1800-209-0144

  • 2

    Email ID: bagichelp@bajajallianz.co.in

आमच्याशी संपर्क साधा

Quick Links

Instant help for your diverse needs

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ABHA

First Aid Term Translator

Local Emergency Number

Medical Facilities

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मोटर क्लेम असिस्टन्स

रोडसाईड असिस्टन्स

Renew Policy

My Policy

My E-Card

Tools

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ब्रँच लोकेटर
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Hospital Locator

निरोगीपणा

Carefit
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Workshop Locator

इन्श्युरन्स समझो

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क्रिटिकल इलनेस इन्श्युरन्स

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Health Claim by Direct Click

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वैयक्तिक अपघात पॉलिसी

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ग्लोबल पर्सनल गार्ड पॉलिसी

Claim Motor On The Spot

Two-Wheeler Long Term Policy

24x7 रोडसाईड/स्पॉट असिस्टन्स

Caringly Yours (Motor Insurance)

ट्रॅव्हल इन्श्युरन्स क्लेम्स

कॅशलेस क्लेम

24x7 Missed Facility

ट्रॅव्हल इन्श्युरन्स क्लेम दाखल करणे

My Home–All Risk Policy

होम इन्श्युरन्स क्लेम प्रोसेस

होम इन्श्युरन्स सुलभ

होम इन्श्युरन्स कव्हर

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

एमएसएमई इन्श्युरन्स पॉलिसी जगभरातील अपघाती शारीरिक दुखापतीला कव्हर करतात का?

  • 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

अवॉर्ड्स
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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

अहमदाबाद

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

दिल्ली

4.6

3rd May 2024

क्विक पॉलिसी इश्युअन्स

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

चेन्नई

4.7

22nd Nov 2023

सर्वसमावेशक कव्हरेज

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

कोलकाता

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

चंदीगड

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

सूरत

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

हैदराबाद

4.8

1st Mar 2024

FAQs

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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अस्वीकरण

    • माझा टेलिफोन/मोबाईल नंबर एनडीएनसी वर रजिस्टर्ड असला तरीही अथवा अकारण टेलिकॉल्स संबंधीच्या Telecom Regulatory Authority of India [TRAI] ची बंधने/मार्गदर्शक तत्त्वे असली तरीही, मी जर या वेबसाईटवर आल्यास अथवा बजाज आलियान्झ जनरल इन्श्युरन्स कंपनी लिमिटेड (बॅजिक) ची प्रॉडक्ट्स/सर्व्हिसेस संबंधी चौकशी करताना/पडताळून बघताना अर्ध्यातूनच वेबसाईट बघणे सोडले किंवा मी मला परत फोन करण्यासाठी विनंती केली, तर असे समजण्यात येईल की मी बॅजिकला मला परत फोन करण्यासाठी अधिकार दिले आहेत किंवा बॅजिकच्या विविध इन्श्युरन्स प्रॉडक्ट्स आणि सर्व्हिसेस संबंधी विनंती आणि खरेदीसाठी मला कॉल करण्यास किंवा मला टेक्स्ट मेसेजेस पाठविण्यास अधिकृत करीत आहे. या संदर्भात, मला बॅजिक कडून आलेल्या कोणत्याही कथित अवांछित कॉलबद्दल किंवा TRAI कडे कोणतीही तक्रार असणार नाही, कारण मला बॅजिक कडून कोणत्याही कथित अवांछित कॉलची माहिती देण्यात आली आहे.

    • या वेबसाईटवर वापरलेल्या प्रतिमा आणि त्यामध्ये छायाचित्रित केलेली मॉडेल्स केवळ प्रातिनिधिक हेतूंसाठी आहेत आणि ती कोणाच्याही वैयक्तिक विचारांचे किंवा कल्पनांचे सूचक नाहीत.
    • टॅक्स लाभ टॅक्स कायद्यांतील बदलांच्या अधीन आहेत.
    • नकली फोन कॉल्सपासून सावध रहा: इन्श्युरन्स पॉलिसीची विक्री, बोनसची घोषणा किंवा प्रीमियमची गुंतवणूक यासारख्या कार्यात IRDAI गुंतलेली नाही. अशा प्रकारचे फोन कॉल्स प्राप्त करणार्‍यांना पोलिस तक्रार नोंदविण्याची विनंती केली जाते.

अधिक पाहा

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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