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
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
Dear Aashit srivastava,
I do agree that the employee doesn't met with an accident during the course of his employment.
But First you check your insurance Policy, if the policy provide the coverage for the Personal Accidental benefit, than you must go for it, because by doing this you can bring some belongingnes of the employee towards the Organisation. Secondly if you can help me in that what company is going to loose, you are not going to pay the employee for his absence whereas his lost of salary will be compensated by means of Insurance.
As most of the companies do take such Policies only keeping in mind the Welfare measure of their employee.
I think most of the companies are doing like this only.
From India, Delhi
I do agree that the employee doesn't met with an accident during the course of his employment.
But First you check your insurance Policy, if the policy provide the coverage for the Personal Accidental benefit, than you must go for it, because by doing this you can bring some belongingnes of the employee towards the Organisation. Secondly if you can help me in that what company is going to loose, you are not going to pay the employee for his absence whereas his lost of salary will be compensated by means of Insurance.
As most of the companies do take such Policies only keeping in mind the Welfare measure of their employee.
I think most of the companies are doing like this only.
From India, Delhi
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
From India, Mumbai
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