Inclusions Under Bajaj Allianz Workers Compensation Insurance
The Workmen's Compensation Insurance Policy provides coverage for:
- Bodily injuries resulting from accidents that occur while performing job-related duties.
- Bodily injuries caused by occupational diseases or work-related health conditions.
- Permanent or temporary disabilities, whether partial or total.
- Death resulting from a work-related incident.
- Legal expenses incurred with the insurer's approval.
Bajaj Allianz Workers Compensation Insurance Add-ons
The add-ons under the Bajaj Allianz WC policy are as follows:
- Medical Expenses Provides coverage for medical costs resulting from workplace accidents, if selected.
- Occupational Diseases Offers compensation for illnesses caused by work conditions, subject to policy selection.
Note: Additional benefits are also available based on policy terms and chosen coverage options.
Bajaj Allianz Workers Compensation Insurance: Exclusions
The exclusions under the Bajaj Allianz Workers Compensation Insurance are as follows:
a) Injuries caused to an employee due to war, invasion, civil war, rebellion, nuclear material, or radiation exposure.
b) Accidents occurring outside the specified workplace unless the employee was on duty and acting under the employer’s instructions.
c) Occupational diseases contracted by the employee.
d) Interest or penalties imposed on the employer under any law.
e) Medical expenses for treating employee injuries unless covered by law.
f) Injuries to workers employed by a contractor or subcontractor unless specifically included in the policy.
g) Injuries to individuals not declared for coverage under this policy.
h) Liability assumed under an agreement that wouldn’t apply otherwise.
i) Claims that the employer could have recovered from another party if not for an agreement between them.
j) Accidents occurring while the employee was under the influence of alcohol or drugs.
k) Injuries or death resulting from the employee's deliberate self-harm or intentional worsening of an injury.
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