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Our other commercial line products • Standard Fire and Special Perils Insurance Policy • Consequential Loss (Fire) Insurance Policy • Industrial All Risk Insurance Policy • Erection All Risks Insurance Policy • Contractors’ All Risks Insurance Policy • Contractors’ Plant and Machinery Insurance Policy • Machinery Breakdown Insurance Policy • Electronic Equipment Insurance Policy • Boiler and Pressure Plant Insurance Policy • SmartCargo Insurance Policy • SmartPlan Business Advantage Package Policy www.bharti-axagi.co.in Please contact us for more details. Choose protection Choose peace of mind Workmen’s Compensation Insurance Policy BRO/WC/ORI/04-09 Bharti AXA General Insurance Company Limited First Floor, The Ferns Icon, Survey No. 28, Next to Akme Ballet,Doddanekundi, Off Outer Ring Road, Bangalore- 560037. Toll Free Helpline: 1800-103-2292 Email: firstname.lastname@example.org. SMS<SERVICE> TO 5667700. Website: www.bharti-axagi.co.in Twin assurance for you AXA is one of the largest insurers in the world. The group has over 67 million clients worldwide and over 170,000 employees working across 5 continents. Ranked the world's 15th largest company on the Global 500 list, AXA believes in achieving operational excellence through product innovation, business expertise, distribution, quality of service and productivity. Bharti Enterprises is one of the biggest organizations in the country with interests in telecom, agro business and retail. It is a pioneering force in the telecom sector with many firsts and innovations to its credit. Bharti offers a powerful mix of a strong national presence and unmatched local knowledge. Bharti AXA General Insurance is a partnership that combines AXA's core competence in insurance with Bharti's vast network and reach to provide businesses in India with a range of insurance solutions. Corporate insurance from Bharti AXA We understand your business The key to the success of any business is to understand your customers. That's why at Bharti AXA we make it our business to get to know you. Regardless of whether you own a small, mid-size or large business, we Complete protection provide financial protection by offering you the right insurance product and service. This includes a complete range of general insurance for motor, and no more worry Claims procedure home, accident and health, travel, energy, marine, property, casualty, liability and several specialized lines. Our policies are tailored to suit your Fast, fair and friendly needs and help your business manage risks at competitive costs. Insurance is the subject matter of the solicitation. Businesses in general, with especially those engaged in • In the case of permanent total disablement, 50% of the monthly manufacturing, construction, erection and fabrication etc. involve wages of the injured workman multiplied by relevant factor or We are here to help you. We request you to register a claim by many workers. This means responsibilities as an employer, you have Rs. 24,000, whichever is more. contacting our 24-hour Toll Free Helpline on 1800-103-2292. legal liability under the Workmen's Compensation Act, the Fatal Please intimate the help desk as soon as a claim occurs • In case of permanent partial disablement, Accidents Act, and Common Law to provide compensation to worker for so that we can provide you quick and effective assistance death, bodily injury (both temporary and permanent) and disease - For an injury specified in Part II of Schedule I, the percentage of loss-of-earning capacity caused by the injury applied to the and service. You can also register a claim by e-mail on arising out of and in the course of his/her employment. In this scenario, how do you protect yourself from such a liability? Rest easy with compensation payable for permanent total disablement. email@example.com. Workmen's Compensation Insurance - it works for you by covering - For an injury not specified in Schedule I, the percentage of permanent your liability, as an employer, towards workers. loss-of-earning capacity as assessed by a qualified medical While registering the claim, the following practitioner applied to the compensation payable for permanent information will help us serve you better: Presenting the Workmen's Compensation Insurance total disablement. Policy • In the case of temporary disablement, total or partial, a half monthly • Your contact numbers payment equivalent to 25% of monthly wages of the workman to be • Policy number The Workmen's Compensation Insurance Policy provides coverage for paid in accordance with the provisions of the Act. • Name of insured the payment of compensation to employees for injury or death caused • Date and time of loss by accidents out of and in the course of employment. The policy • Location of loss provides compensation in respect of: What additional covers does this policy offer? • Nature and approximate extent of loss • Place and contact details of the person at the loss location • Legal liability to all employees under the Workmen's Compensation You can get additional coverage under the Workmen's Compensation Act 1923 and subsequent amendments to the said Act prior to the Insurance Policy. Liability in respect of occupational diseases to date of issue of the policy workers arising out of and during the course of employment is covered. • Legal liability under the Fatal Accidents Act, 1855 and legal liability at common law Additionally, medical, surgical and hospital expenses, and the cost of transport to hospital for accidental injuries during employment, are also covered. The broader coverage is available on payment of extra What does this policy cover? premium. The Workmen's Compensation Insurance Policy compensates the employer against his liability caused by accidental injuries (including fatal) What does this policy not cover? sustained by the employees while at work. The policy can be taken by any employer whether as a principal or as a contractor to cover his liability towards employees under the statute The general exclusions are given below: Be confident with us… and common law. The policy also provides for payment of legal costs • War group and nuclear group of perils Bharti AXA General Insurance and expenses incurred with the company's consent. • Liability to employees of contractors of the insured (unless specifically declared) The policy reimburses the amount of compensation subject to the • Liability of insured assumed under an agreement provisions of the Workmen's Compensation Act as follows: Bharti AXA General Insurance is a joint venture between the Bharti • Any sum which the insured would have been entitled to recover from Group and AXA. Bharti AXA combines the strengths of Bharti • Where employment injury results in death, 40% of the monthly any party but for an agreement between the insured and such party Enterprises, one of India's leading business groups, and AXA, the wages of the deceased workman multiplied by the relevant factor or global leader in financial protection and wealth management. Rs. 20,000, whichever is more. This is not an exhaustive list. For a detailed list of exclusions, please read our policy terms and conditions.
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