Employees Exceeding ESI Limit: Should We Stick with Mediclaim or Switch to WCA?

A couple of our employees have crossed the ESI limit, and we have covered them under the Mediclaim policy and Group Personal Accident Policy. Please advise us on whether we should continue with this practice or opt for a policy under WCA. We have concerns that in the event of an untoward incident, workers might not claim compensation under WCA.

Dear,

It will be on the safer side that after going through the definition of the workman under section 2(n) and the detailed list provided in Schedule II of the Workmen's Compensation Act, 1923, the workmen who are not covered under the ESI Act, 1948, should be covered under the Workmen's Compensation Policy against the risk of accidents and compensation liability.

With Regards,
R.N. Khola