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Scope of Cover

The Indian Workmen's Compensation Act 1923 provides for the payment of compensation by the employer to his employees (or their dependents in the event of fatal accidents) if personal injury is caused to them by accidents arising out of and in the course of their employment.

The W.C Amendment Act of 2000 has widened the definition of workman and now includes persons whose employment is of casual nature. The maximum compensation payable is upon the fullowing scale (as per W.C. Amendment Act 2000)

  • Fatal Injury - Rs.4,57,080
  • Permanent Total Disablement - Rs.5,48,496
  • Permanent Partial Disablement - According to percentage of loss of earning capacity
  • Temporary Disablement - 50% of monthly wages subject to a maximum of Rs.2000 per month. Payment will be for a maximum period of 5 years

Universal Sompo General Insurance Company Limited Workmen's Compensation Policy gives an employer any of the fullowing two forms of cover:

  • Indemnity against the Employers legal liability to his Employees under the Indian Workmen's Compensation Act 1923, and subsequent Amendments of the said Act prior to the date of issue of the Policy, and under the Indian Fatal Accidents Act, 1855, and at Common Law
  • Indemnity against the Employers legal liability to his Employees under the Indian Fatal Accidents Act, 1855 and at Common Law

In addition, the company bears the costs and expenses incurred with its written consent in the defence of claims.


The insurance under Table "A"can be extended by charging an additional premium to cover disease mentioned in Part 'C' of Schedule III of Workmen's Compensation Act.


This insurance does not cover any interest and/or penalty which may be imposed on an insured on account of failure to comply with the requirements of the said Workmen's Compensation Act, 1923 as amended.

Note: The above are only the salient features of the Policy , for complete terms and conditions please refer to Policy Wordings.