Introduction

In an increasingly global work environment, employee rights have rapidly moved forward. To protect organizations from the threat of expensive lawsuits and large compensation pay-outs, HDFC ERGO has the Employee Compensation.

The employee compensation insurance is the primary method by which an employer can demonstrate the ability to satisfy the obligations imposed by the employee’s compensation statutes. It is compensation payable under a scheme set out in the Employee Compensation Act of India, monitored by the Ministry of Labour.

Features

Coverage under the following laws:

Employee Compensation Act, 1923
Common Law
Fatal Accidents Act, 1855

Provides coverage to all the employees of an organization against the following:

Death
Permanent Total Disablement
Permanent Partial Disablement
Temporary Total Disablement
Legal expenses and cost incurred with the company’s consent

The death or injury should arise out of and in the course of employment. However, the policy also covers employees under the Doctrine of Notional Extension.

Extensions

Contractual Employees: Can be covered as an extension if they are specifically declared under the policy
Medical Expenses: There are 4 options to choose from to cover your hospitalization expenses under the policy.
Option 1: With Per Employee and Aggregate Limit
Option 2: With Per Employee Limit
Option 3: With Aggregate Limit
Option 4: Actual Expenses Incurred
Occupational Diseases: Any compensation for diseases mentioned in Part ‘C’ of Schedule III of the Workmen’s Compensation Act, 1923, which arise out of and in the course of employment.

Why choose HDFC ERGO General Insurance?

Secured Over #3.1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

All the Support you need 24* 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Transparency At It's Best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY: 18-19.

Best Customer Retention Initiative of the Year in Insurance

2024

Gold Award for Social Media App (Innovative)

2024

View all awards

Introduction

Features

Coverage

What's Not Covered

Extensions

Why choose HDFC ERGO General Insurance?

Why choose HDFC ERGO General Insurance?

All the support you need-24x7

Transparency At It's Best

Awards

Catering customer needs

Our Proud Achievements

BFSI Leadership Awards

Best General Insurance Company

Smart Insurer, Swift & Prompt Insurer

Best Customer Retention Initiative of the Year in Insurance

Gold Award for Social Media App (Innovative)

BFSI Leadership Awards

Best General Insurance Company

Smart Insurer, Swift & Prompt Insurer

Best Customer Retention Initiative of the Year in Insurance

Gold Award for Social Media App (Innovative)

BFSI Leadership Awards

Best General Insurance Company

Smart Insurer, Swift & Prompt Insurer

Best Customer Retention Initiative of the Year in Insurance

Gold Award for Social Media App (Innovative)