Dear All,
One of my employee met with road accident while performing domestic work out side company campus and not during normal working hours. Company is having Policy of Personal Accident as well as Mediclaim of good amount and said employee is covered under the scope of PA policy as well as Mediclaim scheme.
Now the question is whether employee will be entitled to get the benefit under the scope of Personal Accident Policy though the accident has no connection with duty or company's work? (I suppose as there is coverage of 24 hours there shall be compensation from Insurance Company towards the absent days of employee and medical expenses)
His medical expenses are covered under the Medicalim Policy hence there is no issue on this front.
But the accident has no connection with his job or duty then also the company is supposed to pass on the amount received towards the claim of Personal Accident from the Insurance Company to the employee??
Kindly share the practice being observed by the company under the circumstances as stated above.
Your early response will help me to take appropriate decision.
Aashit Srivastava
From India, Mumbai
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1One of my employee met with road accident while performing domestic work out side company campus and not during normal working hours. Company is having Policy of Personal Accident as well as Mediclaim of good amount and said employee is covered under the scope of PA policy as well as Mediclaim scheme.
Now the question is whether employee will be entitled to get the benefit under the scope of Personal Accident Policy though the accident has no connection with duty or company's work? (I suppose as there is coverage of 24 hours there shall be compensation from Insurance Company towards the absent days of employee and medical expenses)
His medical expenses are covered under the Medicalim Policy hence there is no issue on this front.
But the accident has no connection with his job or duty then also the company is supposed to pass on the amount received towards the claim of Personal Accident from the Insurance Company to the employee??
Kindly share the practice being observed by the company under the circumstances as stated above.
Your early response will help me to take appropriate decision.
Aashit Srivastava
From India, Mumbai
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Dear Aashit Srivastava,
I do agree that the employee didn't meet with an accident during the course of his employment. But first, you should check your insurance policy. If the policy provides coverage for Personal Accidental benefit, then you must go for it. By doing this, you can foster a sense of belongingness of the employee towards the organization. Secondly, if you can help me understand what the company stands to lose, remember that you are not required to pay the employee for his absence as his lost salary will be compensated through insurance.
Most companies take out such policies with the welfare of their employees in mind. I believe that this is a common practice among companies.
I hope this helps clarify the situation.
Best regards
From India, Delhi
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I do agree that the employee didn't meet with an accident during the course of his employment. But first, you should check your insurance policy. If the policy provides coverage for Personal Accidental benefit, then you must go for it. By doing this, you can foster a sense of belongingness of the employee towards the organization. Secondly, if you can help me understand what the company stands to lose, remember that you are not required to pay the employee for his absence as his lost salary will be compensated through insurance.
Most companies take out such policies with the welfare of their employees in mind. I believe that this is a common practice among companies.
I hope this helps clarify the situation.
Best regards
From India, Delhi
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Dear, I know that it is for the welfare of employees but we have to convince our U S based management that is why we need some opinion from seniors of HR Aashit Srivastava
From India, Mumbai
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From India, Mumbai
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Personal Accident Policy for Mah Govt employees 18.2.2017.pdf
Employee reference policy.doc