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TATA AIG Insurance Logo Workmen Compensation Policy
TATA AIG Workmen Compensation Policy

TATA AIG Workmen compensation policy states that if any time during the period of insurance, any employee in the insured’s immediate service shall sustain injury by accident or illness or disease arising out of the employment and during the course of employment by the insured in the business and if the insured is liable to pay compensation for such injury either under the laws set out in the schedule or at common law subject to the terms and conditions of the policy. Readmore...


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    The company will indemnify the insured against all such sums for which the insured would be liable under the Workmen compensation policy. The insurance company would require a payment in return for the coverage in the form of premium at the time of purchasing the policy.

    In addition to the above the company would also pay for the litigation costs and expenses incurred by the insured with the written consent of the company in defending any claim for such compensation. The premium payable for the TATA AIG Workmen compensation policy would be decided by the company at the time of purchasing the policy. Provided that in the event of any change in the laws or the substitution of other legislation this policy shall remain in force but the liability of the company shall be limited to such sum as the company would have been liable to pay if the laws had remained unaltered.

    The workmen compensation policy of TATA AIG provides compensation to the workmen of the employer in case of an injury resulting from an accident or illness at the workplace or during the course of employment leading to death or disability or hospitalization. The limit of liability of the company under the policy would be mentioned under the policy.
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    What is Included in TATA AIG Workman's Compensation Insurance?
    The policy covers the statutory liability of an employer for death or bodily injury of employees due to accidents or diseases or illnesses arising out of and in the course of employment. The key features of TATA AIG Workmen compensation policy are mentioned below:-
    • Death
    • Permanent total disability
    • Permanent partial disability
    • Temporary total disability
    • Additional legal costs and expenses incurred with the written consent of the company
    • Medical expenses cover which can be availed on payment of additional premium.
    Exceptions of TATA AIG Workmen’s Compensation Policy
    • Any injury by accident or disease directly attributable to war, invasion, act of foreign enemy, hostilities, civil war, mutiny, insurrection etc.
    • The insured’s liability to the employees of contractors to the insured
    • Any liability of the insured which attracts by virtue of an agreement but which would not have attached in the absence of such agreement.
    • Any sum which the insured would have been entitled to recover from any such party but for an agreement between the insured and any such party.

    Conditions of TATA AIG Workmen’s Compensation Policy


    The benefits of New India Assurance Workmen’s compensation policy are mentioned below:



     Men & Women Vector Icon - Assault and Battery TATA AIG Workmen Compensation Policy Assault and Battery

    The Assault and battery shall be deemed an accident unless committed by or at the direction of the insured. Assault and battery are related but distinct crimes, battery being the unlawful application of physical force to another and assault being an attempt to commit battery or an act that causes another reasonably to fear an imminent battery.

    Policy Chart Vector Icon - Applicability of the Policy TATA AIG Workmen Compensation Policy Applicability of the policy

    The policy applies to only injury by accident occurring during the policy period and by disease caused or aggravated by exposure of which the last day of the last exposure, in the employment of the insured, to conditions causing the disease occurs during the policy period.

    Men Policy Chart Vector Icon - Notice of Injury TATA AIG Workmen Compensation Policy Notice of injury

    The notice of injury shall be communicated to the insurance company as soon as the injury has occured or brought to the notice of the insured. The notice of injury shall be in written form and contain particulars of the injury in detail such as time, place and circumstances leading to the injury.

    Billing Cancellation Vector Icon - Cancellation TATA AIG Workmen Compensation Policy Cancellation

    The insurance company may cancel the policy by giving 30 days of written notice of such cancellation. In such cases the company will recover the pro rata premium for the unexpired policy period. The policy may also be canceled by the insured customer by giving 30 days written notice to the insurance company in which event the insurance company would recover premium at the customary short period scale, provided that there has been no claim under the policy. If there has been a claim then there would be no refund under the policy. The payment or tender of any unearned premium by the Insurer shall not be a condition precedent to the effectiveness of cancellation but such payment shall be made as soon as practicable.

    Hand Vector Icon - Limits of Liability TATA AIG Workmen Compensation Policy Limits of liability

    The words "damages because of bodily injury by accident or disease, including death at any time resulting therefrom" in the Coverage Section, include damages for care and loss of services and damages for which the insured is liable by reason of suits or claims brought against the insured by others to recover the damages obtained from such others because of such bodily injury sustained by employees of the insured arising out of and in the course of their employment. Company’s total liability to pay compensation, Defense, Settlement Supplementary Payments shall not exceed the Indemnity limit stated in the schedule. Indemnity limit shall represent the total amount of company’s liability during the policy period. The limit of liability stated in the Schedule applies to company's liability for all damages because of bodily injury by accident, including death at any time resulting therefrom, sustained by one or more employees in any one accident.

    Documents required for TATA AIG Workmen compensation claims

    The insured or any other person on the behalf of the insured can send the documentation, medical records and other information within 30 days of such loss to the insurance company. The company may be required to establish the circumstances of the claim, quantum of the claim or liability of the claim within 30 days after the date of such loss. The documents required for claim settlement under the Workmen compensation policy are mentioned below, the list is inclusive but not exhaustive.



    Death Claims

    • Claim form
    • Original death certificate
    • Original or Attested post mortem report, if conducted
    • Attested copy of FIR, Spot panchanama & Police Inquest report, if applicable
    • Complete medical records including death summary, in case of hospitalization
    • KYC Documents

    Disability claims

    • Claim form
    • Attending doctor’s report
    • Original disability certificate from the doctor
    • Complete medical records including Investigation/lab reports (X-Ray, MRI etc)
    • FIR, police report, wherever applicable
    • KYC Documents

    Awards and Achievements of New India Assurance




    Trophy Vector Icon - Indian Insurance Awards TATA AIG Workmen Compensation Policy 
Company of the year Award for health insurance during the Indian insurance awards
     Trophy Vector Icon - Best Product Innovation Award TATA AIG Workmen Compensation Policy Best product innovation award in the general insurance category
     Trophy Vector Icon - Claims Award Asia TATA AIG Workmen Compensation Policy Claims team of the year award at Claims award Asia.

    Key Statistics of TATA AIG Insurance




    Geo Tag Vector Icon - Network Hospitals Cashless Claim Settlement Service TATA AIG Workmen Compensation Policy

    7000+ Network hospitals all over India to avail cashless claim settlement service

    Customer Calling Vector Icon - 24*7 Claim Assistance Support TATA AIG Workmen Compensation Policy

    24*7 claim assistance support

     Finger Vector Icon - Registration and Tracking of Claim on the Website TATA AIG Workmen Compensation Policy

    Registration and tracking of claim on the website


    Common FAQs


    TATA AIG Workmen compensation policy can be purchased online from Ethika insurance broking which is the leading insurance broking house in India. It provides sales support as well as claim settlement support. They have value addition programs such as red carpet claim assistance, employee engagement programs etc.