• Particulars of cover liability and exclusion given above are not complete or exhaustive :
• Our nearest Branch Office branch may be approached for complete details.

Policy will not Pay under below circumstances:

• 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.

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 0 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 0 which ever is more..
• Permanent Partial Disablement

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?