Workers’ Compensation for Occupational Disease

Employee and worker safety is an integral part of the smooth functioning of the business. Worker’s safety is a responsibility of the employer and a basic requirement of every workplace. A shortfall in workplace safety can have a severe resurrection on workers’ health as well as the company’s reputation and financial standing.

Read more
Unlimited workmen liabilities covered starting just ₹1500*
workmen-compensation-policy

Get right expert advice

Hassle free policy

Speedy Claims

Fast-track your search with instant quotes from top 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
View Plans

Get quotes & protect your workers in 5 mins

Step 2/2

A worker’s compensation policy helps in providing injured workers with the required compensation and medical care. Apart from injury, workers’ compensation for occupational diseases is also a common financial support mechanism provided by the employer.

What is an Occupational Disease?

Working conditions and the type of work or employment, both, can have a major impact on the health of the workers. The word ‘occupational health’ or ‘occupational disease’ has emerged from work-related ailments. In a broader sense, occupational disease means any disease, injury or impairment that affects workers or employees during their course of employment.

The International Labour Organization defines occupational safety in Article 1 (b) of the Protocol of 2002 to the Occupational Safety and Health Convention (1981). As per the article, occupational disease is defined as “any disease contracted as a result of an exposure to risk factors arising from work activity.”

This definition focuses on two main aspects:

  • The work environment is the cause of the disease
  • The frequency of the disease is much higher in the exposed workers than in the general population

Identification of occupational disease does not merely depend on the symptoms. Factors like physical risks, biological risks, and, chemical risks in the work environment, all could play a crucial role in determining whether the disease can be classified as an occupational disease or not.

Workers' Compensation for Occupational Disease

As per the Workmen’s Compensation Act of 1923, if a worker, during the course of employment, contracts any disease specified as an occupational disease by the Act, the employer is liable to pay the required compensation. One of the two main objectives of this Act mandates that employers give reimbursement or pay compensation to the workers in case they are contracted job-related illnesses or diseases.

The Workmen’s Compensation Act of 1923, being a mandate for certain employers, has led to the creation of a particular type of insurance for workers. This insurance type is called a Workmen Compensation Policy. It ensures that workers are compensated for diseases or injuries sustained during work without any financial burden on the employer.

When are Employers Liable to Pay Workers' Compensation for Occupational Disease?

As per Section 3 of the said Act, the employer is accountable to pay compensation for occupation if a worker contracts occupational disease mentioned in the Act under Part A, B, and C of Schedule III. Some of the occupational diseases mentioned in the Act are:

  • Diseases caused by work in compressed air
  • Diseases caused by chemicals or their toxic compounds
  • Infectious and parasitic diseases caused due to the risk of contamination
  • Diseases caused by radioactive substances and ionizing radiation
  • Pneumoconiosis, Bagassosis, Bronchopulmonary diseases etc., caused due to working conditions

Conclusion

With changing job patterns and working environment, keeping up with occupational safety and health risks factors is challenging. Work-related hazards and occupational diseases, especially in SMEs and other unorganized sectors are sometimes difficult to manage. However, with adequate safety precautions and a Workmen's Compensation Policy in place, employers can achieve this goal.

Written By: PolicyBazaar - Updated: 16 November 2022

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’s Compensation Act, 1923, is a type of social security legislation that was enacted to make the...Read more
19 Nov 2020 by Policybazaar 43207 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 23954 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 4012 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 11607 Views
The Workmen's Compensation Act 1923, seeks to protect the interest of a worker or employee who suffers from a...Read more
21 Apr 2023 by Policybazaar 1626 Views
Workers' compensation claims can be a significant financial...Read more
09 Apr 2024 by Policybazaar 28 Views
Many employers mistakenly believe that Workers' Compensation and...Read more
08 Apr 2024 by Policybazaar 34 Views
A workplace injury can be a stressful and disruptive event for...Read more
08 Apr 2024 by Policybazaar 40 Views
In the fast-paced world of entrepreneurship, small businesses...Read more
15 Dec 2023 by Policybazaar 264 Views
In the fast-paced world of transportation, workers, including...Read more
15 Dec 2023 by Policybazaar 335 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