- Workman compensation/Employee compensation
- Employee Group Accident
- Employee Group Mediclaim
- Contractor Risk Policy
- Directors and officers liability insurance
- Business package insurance policy
- Other Commercial & General Insurances
Employees are the most valuable resource of a company. If you have a business, securing your employees with Employee Benefits Insurance should be a top priority for you. In fact, more often than not employee group insurance is a legal requirement for businesses. As an employer, you have a responsibility to provide your employees with safe working conditions. You may be adhering to proper safety and security measures at your workplace, but you cannot overlook the chance of occurrence of an untoward event at your office premises. No matter how safe you think your workplace is, accidents can happen when you least expect them to, and it becomes highly inconvenient if employee(s) are involved. That is why you must have employee insurance in place in order to meet any plausible compensation claims against you, to safeguard your business’s best interests and ensure its continued operation. Protecting your employees is a legal requirement for your business. As the name indicates, this provides compensation to employees in the unfortunate cases of bodily injury or death which might occur due to mishaps at the workplace, or within the tenure of his/her employment with the company.
Workman compensation/Employee compensation
Any physical injury or death to employees caused due to accidents occurring in the progression of the employment gets compensated under the Employees’ Compensation Policy. The policy protects an employer against legal liability under The Employees’ Compensation Act, 1923, and subsequent amendments to the said Act before the date of policy issue the The policy pays for death or disability caused due to accident. The extensions for Workmen Compensation Policy are Actual medical, surgical and hospital expenses including the cost of transport to a hospital for Accidental employment injuries.
Employee Group Accident Insurance
As an individual, you have your own responsibilities to take care of, but as an employer, you are expected to shoulder the responsibilities of many others. With a Group Personal Accident Policy to back you up, you can easily manage both of them.
Features & Benefits
- Permanent Partial Disability
- Temporary Total Disability
- Permanent Total Disability
- Accidental Death
- Accidental Medical Expenses
- Broken Bone
- Accidental Hospital Daily Cash
- Life Support Benefit
- Ambulance Hiring Charges
- Cost of Transportation of Mortal Remains
- Cost of Performance of Funeral Ceremony
- Child Education Support
- Loan Protector
- Family Transport Benefit
- Modification of Vehicle/Residence
- Outstanding Bills Protection Benefit
- Family Floater
- Legal Bail Expenses
- Double Indemnity
- Evacuation Expenses
Employee Group Mediclaim Policy
Accidents, illnesses, emergencies; we are all surrounded by different kinds of risks in our day to day lives. This, along with the ever-rising costs of healthcare and hospitalization, indicates how financial troubles are not far away from emergencies. With Liberty General Group Health Insurance Policy, you can provide your members or employees the benefits of a flexible health insurance plan that can be customized according to your requirements. This one-year renewable contact can cover your employees under a single policy.
- In-Patient Hospital Service: Includes hospitalization costs due to an illness or accident. This includes:
- Room rent, boarding expenses, nursing
- ICU charges, OT Charges, Anesthetist charges, Surgical Fees, Oxygen, Blood, and their administration
- Physical therapy, medicines consumed on the premises
- Investigation Services
- Cost of prosthetics or other devices implanted during a procedure
- Pre and post hospitalization costs
- Day Care
- Emergency Ambulance Charges
- Domiciliary Hospitalization Treatment
- Enhanced Pre & Post Hospitalization Expense
- Maternity Expenses from day one of policy period / with a waiting period of nine months
- Reimbursement of Organ Donor Expenses
- Pre-existing Conditions Coverage
- 30 days Waiting Period Waiver
- First Year Waiting Period Waiver
- Baby Day One Cover
- Listed Critical Illness Cover (Lump sum / Reimbursement basis)
- Evacuation & Repatriation Expenses
- Top-up Cover
- Medical Aids Extension
- Out Patient Dental Treatment
- Personal Accident Cover
- Lasik Surgery Cover for refractive error
- Infertility Treatment