Health Coverage for Daily Wage Workers on a Floriculture Farm: What Are the Best Options?

For a proprietorship floriculture farm (near Bangalore) which is not covered under ESI, what is the best alternative for covering workers (on daily wages) for health benefits/insurance? Is it compulsory to cover workers under a workman's compensation policy in the absence of ESI?

Please guide and provide information.

Thank you.
Deepa

Please go to the regional office in Bangalore to determine whether ESI is applicable or not. In case it is a non-implemented area, you can opt for the WC policy; otherwise, you can choose the GPA policy based on the number of workers employed.

Regards,
S...

The workers' compensation (WC) policy depends on the nature of the business. Due to the nature of the risks covered, there is an increasing need to provide coverage for workers under a WC policy. The details required for the policy include:

- Number of workers
- Daily wage structure
- Nature of work
- Type of workers (Skilled/Semi-skilled/Unskilled)

For any support or queries regarding the same, you can contact me at [Phone Number Removed For Privacy Reasons]. I am based in Bangalore and work for a private company that is a market leader in commercial lines of business.

Regards,
Binit

Workman's Compensation Policy

The Workman's Compensation (WC) policy is not compulsory. However, if any mishap occurs, the company is responsible for the compensation on its own.

Regards,
Pon