Workmen compensation is one of the best ways employers can protect them and their employees from financial losses that they might suffer if the employee were to be injured or hurt due to any work-related circumstances. Sometimes employees can also suffer serious risks that can cause partial or full loss of their limb or any other body part leading them to suffer heavy financial losses in the future. But this can be avoided by getting a workmen compensation policy. But many times, people are unaware as to workmen compensation policy exclusion that can cause their claim to get rejected if their injury falls under such circumstances. Here we are going to look at what are the exclusions under workmen compensation policy and why one should be careful of these before getting their workmen compensation policy.
The following are the WC policy exclusion one needs to watch out for when getting their workmen compensation policy:
Employees cannot claim workmen compensation if their injuries are non-fatal and can be treated with simple medication and rest.
WC policy is not liable for paying the employee if their injury is not serious and will not cause them any or not more than 3 days of disablement.
Any injury or damage occurred to the employee when they are under the influence of alcohol or drugs then they are not able to claim any workmen compensation.
If an employee incurs any injury or damage while working at a different work site than where they have registered their workmen compensation policy, they are not able to claim any financial support as it comes under workmen compensation policy exclusion.
If any injury or damage has been caused to the employee due to their negligence at the work site such as not properly wearing safety equipment, ignoring safety warnings, taking unnecessary risks, etc., they will not be able to claim any compensation from their workmen policy.
If one has attempted suicide or has died due to suicide during their job, they or their family member are awarded any compensation as it comes under workmen compensation policy exclusion.
One is not qualified for any compensation if they have contracted any common occupational disease or illness while working as it is a WC policy exclusion.
Employees are not protected by the workmen compensation policy if there is an ongoing war or if their workplace is being attacked by terrorists.
If employee information is found to be false or faked when claiming their compensation, then they are immediately disqualified from getting a workmen compensation claim.
Many times, employees are not properly considered as an employee if they don’t fall under certain categories set by the government that can cause them to not get any compensation if they were to get injured or hurt during work.
Following are how one can avoid getting their claim turned down by the exclusion under workmen compensation policy circumstances:
Both the employer and the employee need to verify all the details before getting a workmen compensation policy and understand all the WC policy exclusions beforehand.
The employer must properly conduct their research on various workmen compensation policy providers in the market. One can also use aggregator platforms such as Quickinsure to check various available plans on workmen compensation policy.
One needs to keep a check on their alcohol consumption and avoid using any drugs while working to not get any rejection of claim if some unfortunate incidents were to happen due workmen compensation policy exclusion.
Both the employer and the employee must always be vigilant and take caution by following proper safety standards and always wearing their safety gear while on the job to avoid creating risky situations.
Working at a job site can be dangerous and can sometimes even result in heavy physical and financial losses if one is not careful. Employees can sometimes have unfortunate accidents on the job while working that can cause them to have financial damage. One can avoid such losses by getting a workmen compensation policy, but one needs to carefully read all the terms and conditions, especially all the exclusions before getting an insurance policy. Now, one can easily get their workmen's compensation insurance policy in just a few steps from Quickinsure by visiting official website- https://quickinsure.co.in/ and compare various available plans and get the one that meets their requirements.