Occupational diseases are the illness sustained by the worker during the course of their employment or due to the nature of work. Schedule III of the Workmen Compensation Act provides the list of occupational diseases. This schedule is divided into three parts – the diseases in Part A & B are excluded from policy coverage.
Workmen compensation insurance companies also offer add-on coverage for compressed air disease and Part C occupational diseases covered under a Workmen Compensation act.
Below is Part C of Schedule III of WC Act occupational diseases covered under workmen compensation insurance:
- Infectious and parasitic diseases contracted in an occupation with high contamination risk
- Diseases caused by work in compressed air
- Infections caused by lead or its toxic compounds
- Poisoning because of nitrous fumes
- Poisoning by organophosphorus compounds
- Diseases caused by:
- Phosphorus or its toxic compounds
- Mercury or its toxic compounds
- Benzene or its toxic homologs
- Nitro and amino toxic derivatives of benzine or its homologs
- Chromium, or its toxic compounds
- Arsenic or its toxic compounds
- Radioactive substances or radiations
- Carbon disulfide
- Beryllium or its toxic compounds
- Cadmium or its toxic compounds
- Fluorine or its toxic compounds
- Nitroglycerine or other nitric acid esters
- Alcohols and ketones
- Asphyxiants carbon monoxide, its toxic derivatives, and hydrogen sulfide
- Primary epitheliomatous cancer of the skin is caused because of tar, pitch, bitumen, mineral oil, anthracene, or the compound products and residues of these substances
- Disease caused due to the toxic halogen derivatives of hydrocarbons (of the aliphatic and aromatic series)
- Occupational cataract due to infra-red radiations manganese or its toxic compounds
- Skin diseases due to physical, chemical, or biological agents
- Hearing impairment due to noise
- Poisoning by dinitrophenol or a homolog or by substituted dinitrophenol or because of the salts of such substances
- Occupational asthma is caused because of recognized sensitizing agents inherent to the work process
- Lung cancer and mesotheliomas caused by asbestos
- Primary neoplasm of the epithelial lining of the urinary bladder or the kidney or the ureter
- Snow blindness in snowbound areas
- Disease due to effect of cold in an extremely cold climate
Part C Diseases
- Pneumoconiosis caused due to chlorogenic mineral dust (silicosis, anthracosilicosis, asbestosis) and silico-tuberculosis if silicosis is an essential factor in causing the resultant incapacity or death
- Bronchopulmonary diseases caused by cotton, flax hemp, and sisal dust (Byssinosis)
- Extrinsic allergic alveolitis, caused by the inhalation of organic dust
- Bronchopulmonary diseases caused by hard metals
- Acute Pulmonary Oedema of High Altitude
KLMI Consultant had recently relocated its office to a new location. Employees worked in cubicles. However, within a month of shifting, one of its employees-Rahul Sharma complained of skin allergy.
At the new workplace, Rahul’s cubicle was situated in an interior with no windows. Also, his cubicle was adjacent to a photocopy machine Since his shift, he was complaining of unpleasant odors, a feeling of excessive tiredness, and mild irritation in the eyes, nose, and throat. Also, kept some paint boxes at the office. He complained about the increasing noise and distraction in the new workplace.
The rashes which started a week ago with itching and redness soon turned into vesicular lesions and spread from the initial location of the hand to the volar surfaces of the wrists. Due to his allergic condition, Rahul had to visit a doctor who advised him to avoid going out. As Rahul had to incur expenses on visiting the doctor and medicines, he approached his employer for compensation.
KLMI consultant had covered all its employees under the WC insurance policy. Considering Rahul’s case as an occupational disease case, the employer approached the workmen’s compensation insurance company for covering its legal liability and paid compensation to Rahul.
After scrutinizing all the documents submitted by Rahul, the insurer considered it as an occupational ailment and agreed to settle the claim. The insurer also covered medical expenses incurred by Rahul on his treatment.