Dear Seniors,
For the employees salary less than 15000.00 per month ( If the concerned area is not covered under ESI ) then in place of WC can we have GPA policy.
Can you please explain what is the difference between GPA & WC ?
Thanks in advance.

From India, Pune
Workman Compensation Policy is mandatory in case the employees are not covered under ESI. In case of eventualities, the compensation will be awarded by the WC commissioner as per the WC Act. The insurance companies will pay the compensation payable to the affected.

From India, Lucknow
Dear Member,
The employees which are not covered under the ESI Act,1948 & are covered under the Employee's Compensation Act,1923 are entitled to have benefit under this Act from the employer but it is not necessary to have WC/EC policy as the employer may give compensation form his own account. They take WC/EC policy to avoid any sudden liability on account of any mis-happening.Now it is up to you to have or have not any WC policy.


From India, Delhi
1. First of all it is no longer "Workmen Compensation Policy", it has been remaned as "Employees Compensation Policy"
2. This policy gets applied whenever the employee is not covered under ESI.
3. By this arrangement, whenever an employee meets with an accident which led to fatal, the employer is liable to pay compensation. The compensation amount is arrived at by applying the age and his wages (As per recent amendment, the wage level is increased to limit of Rs.8000/- p.m.). In case of hospitalization, it is unlimited.
3. Group Personal Accident Policy (GPA) is the one nitiated by the employer to protect the interest of company and the employee as well. Whenever such claims take place, the employer pays it initiatlly and get it reimbursed from insurance company.
4. If you do not have GPA coverage, then you will have to pay from your packet.

From India, Madras
  • It is not mandatory to take GWC Policy. What is mandatory is compliance of WC Act and payment of compensation to eligible employees as per the provisions of WC Act. But to have advance provision and to mitigate higher financial risks, companies prefer to take insurance. Please note that pure WCA Policy will not cover accidents happening away from work place and not related to work/job.
  • GPA Policy will generally offer cover against all kinds of accidents and coverage is for 24 hours of day. Sum assured under GPA can be more or even less than what WCA Policy offers.

From India, Pune
[Dear pls give me the all calculation of w.c.policy for the contractor labour how to calculate and which basis. regards swapnil
From India, Konnur
  • Simply give list of employees to be covered under Group WC Policy, with their date of births to any General Insurance Company and they will give you quotation for premium and all the details about policy.

From India, Pune

This Policy will covers employees who are on duty. (i.e. started from residence to reached to residence, and the meantime is for the purpose of on duty). If this period any accident happens, which results death or injuries, the policy benefits can be availed. If any accident happens in non duty period for example after reaching the home or on leave period the policy benefits cannot be availed.

Dear Mr Prashant,

Workmen's Compensation Insurance (WC)

The employers’ legal liability under the W.C.Act to pay compensation to employees not covered under E.S.I.Act for bodily injury or disease sustained / contracted out of and in the course of employment is covered by this policy. Liability to employees under Indian Fatal Accident Act 1855 and at Common Law are also covered under the policy.

Scope of Cover

a) The Workmen’s Compensation Insurance Business in India is controlled by the Workmen’s Compensation Insurance Tariff (W.C.Tariff). The Tariff provides for two types of Insurance as follows:

Table A: This policy provides indemnity to the Insured if any employee in the Insured’s immediate service shall sustain bodily injury by accident or contracts disease arising out of and in the course of his employment by the Insured in the Business and if the Insured shall be liable to pay compensation for such injury either under.

i) Workmen’s Compensation Act, 1923 and subsequent amendments of the said Act prior to the date of issue of the Policy provided that the insurance granted is not extended to include any interest and/or penalty imposed on the insured on account of his / their failure to comply with the requirements laid down under the W.C. Act, 1923, and

ii) the Fatal Accident Act, 1855 of at Common Law

And in addition all costs and expenses incurred with the company’s consent in defending any claim for such compensation.

Table B : This Policy provides indemnity to the Insured against their legal liability under the Fatal Accidents Act, 1855, and at Common Law. (This Policy is not issued to cover employees who fall within the definition of “workmen” under the Workmen’s Compensation Act, 1923, as amended).

b) The Policy excludes

i) any injury by accident or disease directly attributable to war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, Mutiny, insurrection, rebellion, revolution or military or usurped power.

ii) the Insured’s liability to employees of contractors to the Insured.

iii) any employee who is not a workman within the meaning of the Laws.

iv) any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement.

v) any sum which the Insured would have been entitled to recover from any party but for an

agreement between the Insured and such party.

From India, Mumbai
Dear seniors greetings of the day need your guidance, is Wc policy is required for marketing staff which are doing pharmaceuticals marketing in various states, waiting for your guidance thanking you
From India, Nasik
I would like to present the following to the experts. A worker dies during the course of activity, is covered under ESIC or WC. But the Principal Employer is insisting the contractors to register one kind or other Insurance Scheme for Contract Workers. ESIC payment is taken care by Govt, whereas WC is taken care by Principal Employer. However to share the burden, the Principal Employer is advising contractors to take "Insurance or group insurance or accident insurance scheme for workers". The group insurance payments are not on the same footing of WC. I certainly feel, WC is good because it is based on "AGE, WAGE and Compensation factor" and I feel group insurance is nominal and static. Please clarify whether workers are eligible for 1) both 2) whichever is high and 3) decided as planned by the Principal Employer. Experts are highly solicited to assist the workers in harness.
From India, Nellore

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