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Workmen's Compensation Policy offers monetary compensation to the employees in case of medical emergencies during their employment period. This policy can be issued even to the employees who do not fall in the scope of Workmen's Compensation Act, 1923, and subsequent amendments thereto.


More Details

Scope of cover

The policy, provides for two forms of insurance viz,

Table 'A' - Indemnity against legal liability to all employees (whether or not coming within the definition of the term Workmen) under the W.C.Act 1923 and subsequent amendment to the said Act prior to the date of issue of the policy, the Fatal Accidents Act, 1855 and at Common Law.

Table 'B' - Indemnity against legal liability under the Fatal Accidents Act, 1855 and Common Law. (Table 'B' policies may not be issued to cover employees who fall within the definition of "Workmen" under the Workmen's Compensation Act, 1923 as amended).

Sum insured

    The sum insured is calculated on the basis of:
  • Earnings include wages, salaries, over time, board / lodging, and other perquisites
  • No deductions for pension / PF to be accounted
  • TA / traveling concessions not to be accounted
  • No deduction for IT deducted at source


The premium rate depends on the occupation and wages of the workmen

Main extension

Medical extension can be given by charging extra premium.