Dear Friends,
I work for a chemical manufacturing company in Mumbai. I need your advice on the following: do I need to cover casual workers under both group medical insurance and group accident policy, or can I only cover them under group medical insurance with accident coverage? Can someone please reply?
From India, Kalyan
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I work for a chemical manufacturing company in Mumbai. I need your advice on the following: do I need to cover casual workers under both group medical insurance and group accident policy, or can I only cover them under group medical insurance with accident coverage? Can someone please reply?
From India, Kalyan
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Dear Kumar Iyer,
Is your company covered under ESIC? If yes, it is not mandatory to take any of these insurance policies. If no, you will need to take a Group Accident Policy. It is optional to take mediclaim as a welfare measure.
Shailesh Parikh
99 98 97 10 65
Vadodara
From India, Mumbai
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305Is your company covered under ESIC? If yes, it is not mandatory to take any of these insurance policies. If no, you will need to take a Group Accident Policy. It is optional to take mediclaim as a welfare measure.
Shailesh Parikh
99 98 97 10 65
Vadodara
From India, Mumbai
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Since casual labor is also covered under the EC Act, 1923, I would like to suggest taking an Employees Compensation Policy from the LIC to guard against the liabilities of the employer in respect of claims arising out of employment accidents.
This is a precautionary step, especially when they are not covered under the ESI Act, 1948.
From India, Salem
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This is a precautionary step, especially when they are not covered under the ESI Act, 1948.
From India, Salem
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Medical Benefit For Dependent Under The Employees State Insurance (Central) Rules,1950 Increased.pdf
Group Insurance Scheme in Lieu Of EDLI.doc