Many businesses in India, such as those in construction, logistics and manufacturing, depend on migrant workers. These are workers from different states who are employed by the business for a specified period.
However, even if they are migrant workers, employers’ responsibility under the workmen compensation policy online is clearly specified. In this guide, we will understand the migrant worker coverage under workmen’s compensation.
Benefits of a Workmen Compensation Policy Online for Migrant Workers
A workmen’s compensation policy is a type of business insurance plan that provides a financial safety net for employers in case their workers meet with an accident or get injured at work.
Similar to other workers, if migrant workers suffer an accident or injury while performing duties, they will also receive compensation. Here are the benefits under the workmen’s compensation policy online.
Medical Coverage
The workmen compensation policy online covers the medical expenses of the injured migrant workers. These costs include hospitalisation, surgeries, medication, etc., depending on the policy terms and conditions.
Temporary Disability Benefit
If the employee suffers a temporary disability while performing the job, it is covered under the plan. These temporary disabilities include fractures, burns, sprains, or injuries that require short-term medical treatment and rest.
Permanent Disability Benefit
If a workplace accident results in a permanent disability, the workmen’s compensation policy provides compensation to the affected employee.
Permanent disability may be partial or total, depending on the extent of the injury and its impact on the employee’s earning capacity.
Death Benefit
If a migrant worker suffers a fatal injury or loses their life due to a workplace accident or an occupational disease, then their family member receives compensation.
The compensation amount is determined in accordance with applicable legal provisions and is intended to help the worker’s family manage the financial impact of the loss.
How to Get Workmen Compensation for Migrant Workers?
If a migrant worker is injured on the job, they need to file a claim to receive compensation. Here are the steps to file a workmen’s compensation claim online.
Step 1: Seek Medical Attention and Care
Injured migrant workers need to receive immediate medical attention after the accidental injury or illness. Ensure you collect the original medical bills, the doctor’s report, the prescription, the discharge summary and any other relevant documents.
Step 2: Notify the Employer About Incident
Injured workers need to inform their surveyors or employers about workplace accidents and injuries. The employer will collect the necessary evidence about the incident and notify the insurance provider.
Step 3: Fill Out the Claim Form
Get the workmen’s compensation claim from the employer and fill it out completely. Ensure all the details entered in the claim form are correct.
Step 4: Submit Claim Form and Documents
After that, employees need to submit the claim form and other documents to the employer. The employer will submit it to the insurance provider.
Step 5: Insurer Verify the Documents
Once the insurer receives the required documents, they will thoroughly verify the claim details, supporting records, and the circumstances of the workplace accident.
Step 6: Receive Claim Settlement Amount
After successful verification and approval of the claim, the insurer will process the compensation amount in accordance with the policy terms and applicable legal provisions.
Conclusion
Whether they are regular or migrant workers, employers are responsible for their safety and well-being. A workmen’s compensation policy online ensures that the migrant worker receives compensation in the event of accidental injury, illness or death.
By choosing a reliable insurer like TATA AIG, businesses can fulfil their legal obligations while providing comprehensive financial protection to their migrant workforce.
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