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United India Liability Insurance

Workmen´s Compensation Policy

We Cover
Liability of an employer for employment injury (including death) of any of his employees who is a 'workman' as defined under Workmen Compensation Act.

Who can be Insured?
Any employer whether as a Principal or contractor engaging "workmen" as defined in WC Act to cover his liability to them under statute and at common law. Employer can cover Employees who do not qualify as "Workmen" under separate table

Insured against what risks?
•  Indemnity to insured against his liability as and employer' to accidental injuries (including fatal) sustained by the ‘workman’ whilst at work.
•  On extra premium-medical, surgical, and hospital expenses including the cost of transport to hospital for accidental employment injuries
•  Liability in respect of diseases mentioned in Part C / schedule III of WC Act, on additional premium; which arise out of and in the course of employment

What will Policy Pay and How Much?
Subject to the provisions of WC Act the amount of compensation / reimbursable would be as follows:-
•  Where employment injury results in death, then we pay 40% of the monthly wages of the deceased multiplied by the relevant factor or Rs. 20,000/- which ever is more.
•  Permanent Total Disablement 50% of the monthly wages of the injured disabled (PTD) workman multiplied by relevant factor or Rs. 24,000/- which ever is more.
•  Permanent Partial Disablement a) For an injury specified in Part II of disablement (PPD) schedule. The percentage of loss of earning capacity caused applied to the compensation payable for permanent total disablement b) For an injury not specified in schedule - the percentage of permanent loss of earning capacity as assessed by qualified Medical Practitioners applied to the compensation payable for permanent total disablement.
•  Where more than one injury caused by same accident it shall be aggregate but in any case not to exceed the amount payable for permanent total disablement
•  Temporary disablement - A half monthly payment equivalent to 25 % (total or partial) of monthly wages of the workman to be paid in accordance with the provisions of Sub section (2) of the WC Act.
•  Actual medical expenses incurred in connection with on-duty accident ranging from Rs.80/- to 2400/- per case as per the option given at the inception of the policy by the insured and extra premium paid.
•  Legal costs and expenses incurred with the Company's consent.

What will Policy not Pay ?
•  Any injury which does not result in fatality or partial disablement for period exceeding 3 days
•  First 3 days of disablement where the total disablement is less than 28 days
•  For any non-fatal injury caused by any accident which is directly attributable to
a) Influence of drinks or drugs
b) Willful disobedience of an order for securing safety of the workman
c) Willful removal or disregard of safety guard device.
•  War group and nuclear group of perils
•  Liability to employees of contractors of the insured (unless specifically declared)
•  Employee who is not a "workman" as per WC act.
•  Liability of insured assumed under an agreement
•  For occupational diseases mentioned in part "C" of schedule III of WC Act , unless cover is extended on extra premium.
•  Increase due to any change in statute provisions after policy had incepted.

Under more than one statute / one forum for the same injury.
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