The Workmen’s Compensation Policy of HDFC ERGO is the principal process by which a company can reveal the capability to please the responsibilities imposed by workers compensation statutes. It is reimbursement to be paid under a scheme set out in the Workmen’s Compensation Act of India, supervised by the Ministry of Labor.
The main plan coverage of Workmen’s Compensation Policy of HDFC ERGO are:
• Permanent total disablement
• Permanent partial disablement
• Death
• Temporary disablement
• Legal costs and expenses incurred with the company’s consent
The Workmen’s Compensation Policy of HDFC ERGO has excluded of certain things such as:
• The first 3 days of disablement where the total disablement is less than 28 days
• Any non-fatal injury caused by any accident directly because of Influence of drinks or drugs, willful disobedience of an order for securing safety to the workman and willful removal or disregard of a safety guard device.
• Liability to employees of contractors of the Insured (unless separately declared and covered)
• Diseases mentioned in Part ‘C’ of Schedule III of the Workmen’s Compensation Act, 1923
• Liability of the Insured assumed under an agreement
• War group and nuclear group of perils
• Any change in statute provisions after the policy has commenced
The extensions of Workmen’s Compensation Policy of HDFC ERGO are:
• Definite medical, hospital and surgical expenditures including the cost of transportation to hospital for inadvertent employment injuries.
• Any reimbursement for illnesses referred in Part ‘C’ of Schedule III of the Workmen’s Compensation Act, 1923, which develop out of and in the course of employment.
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