A Step-by-Step Guide to Filing a Workmen Compensation Claim

An employee involved in construction work may suffer from a bodily injury. Moreover, construction sites are prone to risks. Therefore, the employer must provide a workmen compensation policy to the employees. However, in this article, we will tell you the step-by-step procedure to file a claim under workmen compensation insurance.

Read more
workmen-compensation-policy

Get right expert advice

Hassle-free policy

Speedy Claims

People trust Policybazaar^
7.7 crore
Registered consumers
50
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform

Get quotes & protect your workers in 5 mins

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
We don't spam
Get Updates on WhatsApp
Check Your Premium Now

Get quotes & protect your workers in 5 mins

People trust Policybazaar^
7.7 crore
Registered consumers
50
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform

Guide to File Claim under Workmen Compensation Insurance

The employer and workmen must learn about the guide to file claims under workmen compensation insurance. In addition, the employer must provide training to the employees with regard to the reporting of such incidence which is expected to be reimbursed under workmen compensation insurance.

Let us discuss the five key steps that guide to file claims under Workers Compensation Insurance.

  1. Reporting of Injury

    The employees must report the injuries they have sustained to the employer. They should inform them about the incident as soon as they can report it. Generally, the employee is required to inform them about the injury in writing to the employer.

    It should be accomplished within 30 days of injury sustained by the worker. In addition, the injury must be qualified to claim under WC policy.

    Some injuries or accidents require immediate treatment. Therefore, the employee must report such incidents immediately upon sustaining the injury.

  2. Necessary Paperwork

    The employer must guide the injured worker about essential paperwork. He is required to inform him about his rights under workmen comp insurance. In addition, the employer may also provide the claim form which is expected to be filled out by the employees. The form is required to be filled in order to give a detailed idea to the insurer about the injuries sustained by a worker.

  3. Filing of Claim Form

    Upon receiving the filled claim form from the worker, the employee must report the injury to the insurer and file the claim. Nevertheless, the worker's doctor may also submit a medical report to the insurer.

  4. Approval or Denial of Claim

    Once the claim is filed by the employer, the insurance company shall either accept or deny the claim. However, the insurer must provide a valid reason for the denial of the claim.

    Let us discuss the scenario upon approval or denial of the claim.

    If the insurance company approves the claim, the insurer shall notify the employer or the person who filed the workmen's compensation claim. In addition, the insurer shall contact the employee who has sustained the injury. The employee shall be intimated about the payment he is entitled to receive from the insurance company.

    It is at the discretion of the employee to accept or reject the compensation payable by the insurance company. For example, if the worker is not satisfied with the payable claim, he may contact a lawyer to argue the case in order to receive a valid claim.

    If the insurance company rejects the claim, the employee may request the company to reconsider the claim and reach an appropriate decision. In addition, the employee may also appeal to the Workmen's Compensation Commission or Board upon denial of the claim.

  5. Return to Work

    The worker is required to notify the employer and insurance company about his recovery from the injury. The insurance company might be liable to provide permanent or partial disability benefits on the basis of the severity of the injury.

Non Coverage

The employer and employee must note that every injury is not subject to be covered under the workmen's compensation policy. The guide to file claim under workmen compensation insurance clarify only physical claim to be covered under the policy. The following injuries are not subject to be covered under the guide to file claim under workmen compensation insurance.

  • Mental stress
  • Self-inflicted damages or injuries
  • Injuries sustained due to fighting or under the influence of alcohol

Workmen Compensation Insurance Premium Calculator

What type of business do you run?

    Popular businesses (select one)

    • Builders - Construction incl civil constructions
    • Engineering workshop & fabrication works (up to 9 meters)
    • Electrical engineers (not manufacturers) installation & repair of plant, fittings & appartus incl. wireless, telephone & telegraph
    • Electricity - power supply
    • Loading and unloading
    View all
    Your business details

    Select the policy period

    1. 1 month
    2. 2 months
    3. 3 months
    4. 4 months
    5. 5 months
    6. 6 months
    7. 7 months
    8. 8 months
    9. 9 months
    10. 10 months
    11. 11 months
    12. 12 months
    Here's the lowest premium matching your requirement.
    Premium starts from
    Try later

    (Excluding GST)

    Let's find the right plan for you

    Speak to our experts to get the right plan for your company's needs

    Re-calculate

    Conclusion

    The employer must provide guidance to the worker about their rights and benefits under WP policy. In addition, the company must report the injuries the employees have sustained and ensure appropriate coverage on the basis of severity.

    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, 1923, also known as the Employees' Compensation Act mandates employers to fairly...Read more
    19 Nov 2020 by Policybazaar 48424 Views
    Have you come across the term 'Lay Off'? Picture this: You wake up early, all set for another day at the office...Read more
    20 Jul 2021 by Policybazaar 12361 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 27008 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 6418 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 7542 Views
    Occupational diseases are defined as illnesses or conditions...Read more
    01 Oct 2024 by Policybazaar 325 Views
    Workers' compensation claims can be a significant financial...Read more
    09 Apr 2024 by Policybazaar 609 Views
    Many employers mistakenly believe that Workers' Compensation and...Read more
    08 Apr 2024 by Policybazaar 1131 Views
    A workplace injury can be a stressful and disruptive event for...Read more
    08 Apr 2024 by Policybazaar 1326 Views
    In the fast-paced world of entrepreneurship, small businesses...Read more
    15 Dec 2023 by Policybazaar 783 Views
    Policybazaar for Business - Workmen Compensation Insurance - Customer Reviews
    View all
    4.2/5
    Based on 92 reviews
    4.2
    out of 5
    Based on 92 reviews
    8 users
    68 users
    16 users
    0 users
    0 users
    4.3 June 28, 2023
    Abha
    Positive Experience
    Thank you, PolicyBazaar, for providing such a positive experience and ensuring that well-being of my employees and business!
    Lucknow
    4 June 18, 2023
    Shreaya
    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.
    Hyderabad
    3.8 June 08, 2023
    Raman
    Nice Purchase
    I purchased Workmen compensation plan which turn out to be the good decision. Thanks PB.
    Pune
    4.3 May 26, 2023
    Mayur
    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.
    Delhi
    4 May 21, 2023
    Shivam
    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.
    Pune
    3.8 May 16, 2023
    Vishal
    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.
    Coimbatore
    4 May 11, 2023
    Aditya
    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.
    Chennai
    3.8 May 06, 2023
    Dhiraj
    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.
    Delhi
    4.3 May 01, 2023
    Abhiraj
    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.
    Mumbai
    3.8 April 30, 2023
    Anam
    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.
    Madurai