Workman Compensation

Workman Compensation

Summary

This insurance provides indemnity to the organizations against their legal liability for accidents to workmen under Workmen Compensation Act 1923 and subsequent amendments of the said act; the Fatal Accidents Act 1855 and at Common law subject always to the provision of the Workmen Compensation, Fatal Accident acts, laws and subsequent amendments.

    • Covers the organization’s legal liability towards the workmen due to bodily injury by accident or diseases occurring while performing the work
    • Covers the organization’s legal liability for accidental death of the workmen while performing the work.
    • Covers the costs and expenses of litigation

      • Medical Coverage (Due to Work-Related Injury or Stress):

        If a worker experiences a physical injury or a diagnosed medical condition directly resulting from their work or work-related stress, the compensation covers necessary medical treatments. This includes doctor visits, surgeries, medications, and therapy specifically required for the work-related condition.

      • Wage Replacement (Following Work-Related Injury or Stress):

        When a work-related physical injury or diagnosed condition due to work-related stress necessitates time away from work for recovery, Workers’ Compensation ensures the injured or ill worker receives a portion of their salary. This prevents financial hardship during the recovery period for the work-related issue.

      • Support for Long-Term Impairment (Resulting from Work-Related Injury or Stress):

        In cases where a work-related physical injury or a condition caused by severe work-related stress leads to a significant long-term impairment, such as a permanent disability, the worker may receive ongoing benefits. These benefits help cover living costs associated with the long-term consequences of the work-related injury or stress.

      • Death Benefit (Due to Work-Related Injury or Stress):

        If a worker’s death is a direct result of a work-related physical injury or a medical condition definitively caused by work-related stress, the insurance provides financial support to their surviving family members.

      • Duly filled, signed, stamped, titled and dated proposal form. The proposal form can be obtained by contacting any of our offices
      • Details of workmen with their monthly wages, occupation, work scope and location of work
      • Additional information maybe required depending on the nature of workman’s scope or location of work.