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Workmen Compensation Insurance
Provide a financial safety net for your employees.
Trusted by:
Policy Covers:
- Medical expenses for work-related injuries or illnesses.
- Compensation for lost wages during recovery.
- Disability benefits for partial or total disability.
Trusted by:
Pay ₹1,200* per yearand get ₹15 Lacs coverage
By clicking on "Continue", you agree to our Privacy Policy as well as our Terms of Use and Disclaimer
Workmen Compensation Insurance
Provide a financial safety net for your employees.
Pay ₹1,200* per yearand get ₹15 Lacs coverage
By clicking on "Continue", you agree to our Privacy Policy as well as our Terms of Use and Disclaimer
Trusted by:
Policy Covers:
- Medical expenses for work-related injuries or illnesses.
- Compensation for lost wages during recovery.
- Disability benefits for partial or total disability.
Trusted by:
What is Workmen Compensation Insurance?
Workmen Compensation Insurance covers the legal liabilities of businesses by providing financial compensation to workers for occupational injuries or illnesses. It offers complete financial support to workers, including coverage for medical expenses, legal expenses, rehabilitation, and lost wages due to temporary or permanent disability resulting from workplace incidents.
Who needs Workmen Compensation Insurance cover?
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹700 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹700 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹700 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹700 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹700 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹700 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Why do you need Workmen Compensation Insurance?
Why do you need Workmen Compensation Insurance?
Financial Protection
Provides financial support for businesses against claims from employees injured during work-related activities.
Medical Support
Covers medical expenses and rehabilitation costs for employees who suffer work-related injuries or illnesses.
Compensate your Workers
Ensures workers receive compensation for lost wages due to injuries sustained on the job.
Legal Aid
Covers legal fees to protect your business during lawsuits from workers.
Legal Compliance
Comply with legal requirements, avoiding penalties and ensuring the business operates within regulatory frameworks.
Why choose BimaKavach to protect your business?
The Power of Underwriting
Your Policy is built for your unique needs.
Best Price for Complete Coverages
You get the best price for your coverage.
24*7
Claims Support
All concerns will be addressed without delay.
Online Platform to Manage Your Bima
Your policy can be managed from anywhere.
Dedicated
Bima Expert
You get access to IRDAI-Certified Bima Experts.
Who’s this for?
What does Workmen Compensation Insurance cover and exclude?
Coverages
Medical Expenses
WC Policy covers the cost of medical treatments, hospital stays, surgeries, and medications required due to a workplace injury or illness.
Disability Benefits
Provides financial compensation for employees who are temporarily or permanently disabled and unable to work due to a job-related injury or illness.
Rehabilitation Costs
WC Policy covers expenses for physical therapy, vocational rehabilitation, and other necessary treatments to help injured workers recover and return to work.
Lost Wages
Compensates employees for a portion of their lost wages while they are recovering from a work-related injury or illness.
Death Benefits
Provides financial support to the dependents or beneficiaries of an employee who dies as a result of a work-related accident or illness.
Employer’s Liability
WC Policy covers legal costs and settlements if a worker sues the business owner for negligence leading to a workplace injury.
Occupational Illnesses
Covers medical and related expenses for diseases or illnesses contracted as a direct result of employment conditions.
Permanent Total Disability
Offers lifetime financial support to employees who suffer injuries that completely prevent them from ever working again.
Temporary Partial Disability
Provides compensation for workers who can only perform limited duties or reduced hours temporarily due to a workplace injury.
Legal Fees
WC Policy covers the cost of legal defense in the event of lawsuits filed by workers for compensation claims.
Exclusions
Self-Inflicted Injuries
Injuries that a worker deliberately inflicts upon themselves are not covered.
Intentional Misconduct
Excludes coverage for injuries resulting from the worker’s intentional actions or gross negligence.
Off-Duty Injuries
Injuries that occur outside of work hours or off the business’s premises are not covered.
Violation of Law
Excludes injuries sustained while the employee is engaged in illegal activities or violating workplace policies.
Non-Work Related Illnesses
Illnesses or health conditions not directly caused by employment are not covered under the policy.
Third-Party Claims
Injuries caused by third parties, not related to the workplace, are excluded from coverage.
Mental Health Conditions
Stress and mental health issues unrelated to a physical workplace injury are typically not covered.
Substance Abuse
Excludes coverage for injuries incurred while the employee was under the influence of drugs or alcohol.
Failure to Report Timely
Injuries not reported within a specified time frame may be excluded from coverage.
Pre-Existing Conditions
Aggravation of pre-existing medical conditions not directly caused by the current job are usually excluded.
Medical Expenses
WC Policy covers the cost of medical treatments, hospital stays, surgeries, and medications required due to a workplace injury or illness.
Disability Benefits
Provides financial compensation for employees who are temporarily or permanently disabled and unable to work due to a job-related injury or illness.
Rehabilitation Costs
WC Policy covers expenses for physical therapy, vocational rehabilitation, and other necessary treatments to help injured workers recover and return to work.
Lost Wages
Compensates employees for a portion of their lost wages while they are recovering from a work-related injury or illness.
Death Benefits
Provides financial support to the dependents or beneficiaries of an employee who dies as a result of a work-related accident or illness.
Employer’s Liability
WC Policy covers legal costs and settlements if a worker sues the business owner for negligence leading to a workplace injury.
Occupational Illnesses
Covers medical and related expenses for diseases or illnesses contracted as a direct result of employment conditions.
Permanent Total Disability
Offers lifetime financial support to employees who suffer injuries that completely prevent them from ever working again.
Temporary Partial Disability
Provides compensation for workers who can only perform limited duties or reduced hours temporarily due to a workplace injury.
Legal Fees
WC Policy covers the cost of legal defense in the event of lawsuits filed by workers for compensation claims.
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When can I Claim?
A claim under Workmen Compensation Insurance can be registered in the below circumstances:
- If a worker sustains injuries while performing their job duties.
- When a worker develops an illness directly related to their job.
- If a worker suffers a permanent partial or total disability as a result of a work-related injury.
- Legal action related work-related injury or illness.
Claim what’s yours with BimaKavach
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