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Easy Insurance India
Motor Insurance

Motor Insurance

Vehicle insurance (also known as, GAP insurance, car insurance, or vehicle insurance) is purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there from the specific terms of vehicle insurance vary with legal regulations in each region...

Health Insurance

Health Insurance

We can explain what each benefit means, what each exclusion means, and other details which you may find confusing. Not only do we help you get a policy, more importantly, we will also help you during the time of claim, if any, Act Now. Contact Us.

What Is Workers' Compensation Insurance?

As per the Employee's Compensation Act, an employer is liable to pay compensation if personal injury is caused to an employee due to an accident arising out of and in course of the person's employment.

In such cases, his employer shall be liable to pay compensation under the provisions of the Act. The employer will not be liable to pay compensation when:

  • An injury does not result in the total or partial disablement of the employee for more than 3 days;

  • An injury doesn't result in death or permanent total disablement caused by an accident under the influence of drink or drugs;

  • In case of accidents caused by wilful disobedience of the rules by the employee and wilful removal of safety guards, the employer is not liable to pay compensation.

Frequently Asked Questions

premium calculation is dependent on five factors : number of workers and salary break up as applicable / period of policy / nature of work, height of working : above or below 9 mts : if any one changes, then the premium amount will also change

if someone is covered under ESI, then he / she is not eligible for any claim under WC

the concept of sum insured or coverage does not exist in WC : claim amount, if any, will be decided by the local labour commissioner / labour court and the amount is calculated by taking into account various factors like age of the individual, number of years he / she would have worked had he / she not died or disabled etc etc and whatever the amount decided by the labour court / commissioner is final and has to be paid out by the insurance company by law, there is no dispute in this.