Determine Post Hospitalization Medical Expenses in Worker Compensation Insurance

The workmen's compensation policy offers coverage to the injured person suffering from a cause in the workplace. A worker who sustained an injury may avail of the pre-hospitalization and post-hospitalization expenses in the workmen compensation insurance policy. Every employer is mandated to offer appropriate compensation to the workers who suffered from a bodily injury while discharging their duties. Therefore, the employer is subject to the workmen compensation act.

Read more
Unlimited workmen liabilities covered starting just ₹1500*

Get right expert advice

Hassle free policy

Speedy Claims

Fast-track your search with instant quotes from prominent insurers

Get quotes & protect your workers in 5 mins

Step 1/2
Covers Death & Disability
Covers Injury due to Accident
Covers Legal Expenses

Get quotes & protect your workers in 5 mins

Covers Death & Disability
Covers Injury due to Accident
Covers Legal Expenses
secure-icon We don't spam
Get Updates on WhatsApp
Check Your Premium Now

Get quotes & protect your workers in 5 mins

Step 2/2

Post Hospitalization Expenses in Workmen Compensation Insurance

Post-hospitalization expenses in workmen compensation insurance policy start from the expenses incurred after the proper hospitalization of the person. Following are the post-hospitalization expenses in workmen compensation insurance.


The medicines prescribed by the doctors shall be considered post-hospitalization expenses. The medicines are consulted upon the proper checkup of the patient. Therefore, in order to conduct a complete check for serious injury, the person is required to be hospitalized.

Consultation fee

The patient after the hospitalization keeps in good care by the hospital. However, upon discharge, the patient is required to pay several visits to the doctor in the stipulated time. The visit is necessary to interpret the improvement of the health of the patient.

Hence, the doctor charges a sum for the consultation in which he guides the patient to follow some advice for a speedy recovery. So, the consultation fee is included in the post-hospitalization expenses in workmen compensation insurance policy.

Regular Tests

Patients, with serious injuries, are required to visit the hospital for a regular test which is expected to be conducted after discharge. The tests are crucial for the speedy recovery of an individual. Further, it is also imperative to monitor the progress in the health of the individual. Therefore, the regular test is subject to be included under the post-hospitalization expenses n workmen compensation insurance policy.

Exclusion of Post-Hospitalization Expenses

The following expenses shall not be included under the post-hospitalization expenses in the liability insurance. Further, the insurer shall not be liable to reimburse for such expenses. However, the workmen may incur such expenses on their own.


A patient may feel or realize the need for acupuncture. It is important to gain more energy and enjoy better sleep. However, it is not necessary under the insurance policy. A workman may live and recover without the treatment of acupuncture.


Naturopathy is essential in order to advance the ability of the human body to heal itself. It is an amalgamation of modern and traditional therapy. However, it is not considered a necessary treatment for the workmen. Hence, it shall not include in the post-hospitalization expenses.

The aforementioned expenses are not necessary. People seek such treatment to lose fatigue and gain energy.

New Ailment

No compensation shall be paid for the new ailment a patient may suffer during hospitalization. The insurer is only liable to reimburse or bear the medical expense of the ailment caused during the discharging of the duty. Hence, the patient is required to bear such expenses.

Case Study

A worker, while discharging his duty, suffered from an injury.

First Scenario: Pre-Hospitalization Expense

  • He approached his doctor who suggested some tests.
  • The doctor conducted the test and advised him to hospitalization.

Second Scenario: Hospitalisation Expense

  • The patient, owing to the advice of a doctor, was admitted to the hospital.
  • He underwent several treatments and was discharged.

Third Scenario: Post-Hospitalisation Expense

  • The doctor prescribes some medicine to be taken at the stipulated intervals.
  • He paid several visits for consultation for a speedy recovery.


A beneficiary must produce a copy of discharge with regard to his hospitalization in order to cover the post-hospitalization expenses in the workers compensation policy. He is required to carry the prescriptions suggested by the medical practitioners and bills for relevant tests.

Now help your friend get Business Insurance

Your referral is greatly appreciated!

Our team will reach out to your friend soon to help with their business insurance requirements.

Workmen Compensation Insurance Articles
The Workmen Compensation Act of 1923 provides financial compensation to employees who have accidents at work. It...Read more
19 Nov 2020 by Policybazaar 45470 Views
Under the Workmen’s Compensation Act, compensation is offered to the workers and their dependents in case of...Read more
01 Apr 2020 by Policybazaar 25098 Views
It is a known fact that a company's success depends on its employees. Each employee expects a secure job and gets...Read more
23 Aug 2022 by Policybazaar 4912 Views
In India, various insurance policies provide different kinds of cover to the employees of an organization. Being...Read more
05 May 2021 by Policybazaar 12650 Views
Employee and worker safety is an integral part of the smooth functioning of the business. Worker’s safety is a...Read more
16 Nov 2022 by Policybazaar 6242 Views
Workers' compensation claims can be a significant financial...Read more
09 Apr 2024 by Policybazaar 238 Views
Many employers mistakenly believe that Workers' Compensation and...Read more
08 Apr 2024 by Policybazaar 358 Views
A workplace injury can be a stressful and disruptive event for...Read more
08 Apr 2024 by Policybazaar 459 Views
In the fast-paced world of entrepreneurship, small businesses...Read more
15 Dec 2023 by Policybazaar 442 Views
In the fast-paced world of transportation, workers, including...Read more
15 Dec 2023 by Policybazaar 623 Views
Policybazaar for Business - Workmen Compensation Insurance - Customer Reviews
View all
Based on 92 reviews
out of 5
Based on 92 reviews
8 users
68 users
16 users
0 users
0 users
4.3 June 28, 2023
Positive Experience
Thank you, PolicyBazaar, for providing such a positive experience and ensuring that well-being of my employees and business!
4 June 18, 2023
Provides Financial Security
I purchased Workmen Compensation Insurance from PolicyBazaar for my business owner looking to secure their employees' welfare and protect their business interests.Thankyou. Worth buying.
3.8 June 08, 2023
Nice Purchase
I purchased Workmen compensation plan which turn out to be the good decision. Thanks PB.
4.3 May 26, 2023
Multiple Benefits
I recommend purchasing Workmen Compensation Insurance from Policybazaar. Their user-friendly platform, diverse policy options, exceptional customer support and efficient claims processing make them stand out from the competition.Thanks. It was a good decision.
4 May 21, 2023
Great Plan
I recently bought Workmen Compensation Plan at policybazaar website which provides comprehensive coverage giving me peace of mind knowing that my employees are well protected in case of any unfortunate event.Thanks.
3.8 May 16, 2023
Helpful Representatives
The team at PolicyBazaar were responsive, courteous, and extremely knowledgeable. I had a few questions regarding the coverage terms and the representatives were patient in addressing all my queries. Thanks.
4 May 11, 2023
Good Platformm
When it came to selcting the right Workmen Compensation Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
3.8 May 06, 2023
Well Informed
I recently purchased Workmen Insurance plan from PolicyBazaar. The process was straightforward and I felt well-informed throughout, thanks to the clear and concise information provided.
4.3 May 01, 2023
Good Decision
I am absolutely delighted with the Workmen Compensation Insurance policy I purchased through Policybazaar. From start to finish, the entire experience has been nothing short of exceptional. I can confidently say that this is one of the best decisions I have made for my business.
3.8 April 30, 2023
Instant Protection Against Accidental Misshappening
I bought Workmen Compensation Plan from the Policy bazaar website online for our workers in my industry to get protetion aganst any Accidental miss happening caused to them. It offers amazing deals which provide them with medical coverage and help me to get instant protection against any loss. Thanks, PolicyBazaar.