{"id":1380,"date":"2017-08-15T11:43:13","date_gmt":"2017-08-15T11:43:13","guid":{"rendered":"https:\/\/pamstaging.securenow.in\/insuropedia\/?p=1380"},"modified":"2025-12-31T09:50:44","modified_gmt":"2025-12-31T09:50:44","slug":"what-are-occupational-diseases-covered-workman-compensation-policy","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/what-are-occupational-diseases-covered-workman-compensation-policy\/","title":{"rendered":"What Are the Occupational Diseases Covered Under a Workman Compensation Policy?"},"content":{"rendered":"
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Overview <\/b><\/span><\/h2>\n

The referenced article on Insuropedia explains the <\/span>occupational diseases covered under the Workmen\u2019s (Employee\u2019s) Compensation Policy in India<\/span><\/b>, aligning with <\/span>Schedule III of the Employee\u2019s Compensation Act, 1923<\/span><\/b> (amended in 2017). It covers diseases arising from prolonged exposure to toxic environments, chemicals, compressed air, radiation, and repetitive strain injuries.<\/span>\u00a0<\/span><\/p>\n

Beyond basic workplace injuries, the policy includes <\/span>add-on covers<\/span><\/b> that extend liability to contractor or subcontractor employees, provide medical extensions (hospitalization beyond 24 hours), and offer legal cost protection. <\/span>\u00a0<\/span><\/p>\n

By offering timely compensation for both <\/span>occupational illnesses and accidents<\/span><\/b>, this policy not only protects employees but also helps employers meet legal mandates and reduce financial liabilities. <\/span>\u00a0<\/span><\/p>\n

Professional diseases are illnesses sustained by workers during their employment or because of the nature of work. Schedule III of the<\/span> Workman Compensation Act<\/span> provides the list of work-related diseases. Dividing into three parts, this schedule excludes diseases in Part A and B from policy coverage.<\/span><\/p>\n

Workman compensation insurance companies also provide additional coverage for diseases related to compressed air. And those listed under Part C of the Workmen Compensation Act.<\/span><\/p>\n

Schedule III of WC Act, list of professional diseases covered under workman compensation insurance:<\/b><\/h2>\n

PART A<\/b><\/h4>\n
    \n
  1. Infectious and parasitic diseases contracted in an occupation with high contaminant risk.<\/span><\/li>\n
  2. Diseases caused by work in compressed air<\/span><\/li>\n
  3. Infections caused by lead or its toxic compounds<\/span><\/li>\n
  4. Poisoning because of nitrous fumes<\/span><\/li>\n
  5. Poisoning by phosphate esters compounds<\/span><\/li>\n<\/ol>\n

    In summary, Part A of Schedule III in the Workmen’s Compensation Act provides a detailed list of occupational diseases. Emphasizing the importance of recognizing and addressing health risks associated with work.<\/span><\/p>\n

    PART B<\/b><\/h4>\n
      \n
    1. Diseases caused by:<\/span><\/li>\n<\/ol>\n