{"id":20910,"date":"2022-05-13T08:56:54","date_gmt":"2022-05-13T08:56:54","guid":{"rendered":"https:\/\/insuropedia.in?p=20910"},"modified":"2026-03-30T06:57:55","modified_gmt":"2026-03-30T06:57:55","slug":"does-workers-compensation-cover-prescriptions","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/does-workers-compensation-cover-prescriptions\/","title":{"rendered":"Does workers&#8217; compensation cover prescriptions?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\">Workers\u2019 compensation insurance is mandatory insurance that businesses in India must purchase to cover the legal and <\/span><span style=\"font-weight: 400;\">medical expenses<\/span><span style=\"font-weight: 400;\"> for employee accidents, injuries, occupational ailments, and death.\u00a0<\/span><\/p>\n<h2>Key Takeaways<\/h2>\n<ul data-path-to-node=\"6\">\n<li>\n<p data-path-to-node=\"6,0,0\"><b data-path-to-node=\"6,0,0\" data-index-in-node=\"0\">The Power of One:<\/b> In India, workers&#8217; compensation insurance is mandatory regardless of company size. Even a startup with only <b data-path-to-node=\"6,0,0\" data-index-in-node=\"126\">one employee<\/b> is legally required to have this cover.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,1,0\"><b data-path-to-node=\"6,1,0\" data-index-in-node=\"0\">The 20-Employee Threshold:<\/b> There is a clear jurisdictional line: businesses with <b data-path-to-node=\"6,1,0\" data-index-in-node=\"81\">fewer than 20<\/b> staff fall under the Employee\u2019s Compensation Act, while those with <b data-path-to-node=\"6,1,0\" data-index-in-node=\"162\">20 or more<\/b> typically transition into the Employees\u2019 State Insurance (ESI) Act, 1948.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,2,0\"><b data-path-to-node=\"6,2,0\" data-index-in-node=\"0\">Age-Dependent Payouts:<\/b> For death and permanent total disability, the compensation isn&#8217;t just a flat rate; it uses a <b data-path-to-node=\"6,2,0\" data-index-in-node=\"116\">&#8220;Factor&#8221; based on age<\/b>. Younger employees receive higher payouts because their &#8220;future potential earnings&#8221; loss is greater.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,3,0\"><b data-path-to-node=\"6,3,0\" data-index-in-node=\"0\">Prescription &amp; Pharmacy Rights:<\/b> Coverage extends beyond the hospital stay to include <b data-path-to-node=\"6,3,0\" data-index-in-node=\"85\">out-of-the-counter medicines and medical supplies<\/b>, provided they are prescribed by an approved doctor and validated as necessary for the specific injury.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,4,0\"><b data-path-to-node=\"6,4,0\" data-index-in-node=\"0\">The 3-Day Rule:<\/b> Minor injuries are excluded from compensation if they do not result in total or partial disability for a period exceeding <b data-path-to-node=\"6,4,0\" data-index-in-node=\"138\">three days<\/b>.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,5,0\"><b data-path-to-node=\"6,5,0\" data-index-in-node=\"0\">Extensions for Contractors:<\/b> Standard policies often exclude <b data-path-to-node=\"6,5,0\" data-index-in-node=\"60\">contractual staff<\/b>. Business owners must pay an additional premium for &#8220;extensions&#8221; if they wish to cover third-party or temporary workers under their umbrella.<\/p>\n<\/li>\n<\/ul>\n<h2><b>What exactly does the workers\u2019 compensation policy do?<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In India, workers\u2019 compensation is mandatory insurance that businesses of all sizes must purchase to provide wage and medical benefits for employees. These wage and medical benefits are only given if the employee suffers an injury or falls sick during the course of performing their job. It also pays a death benefit to an employee\u2019s family if someone kills the employee on the job.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Workers\u2019 compensation was made into law with the Workmen\u2019s Compensation Act, 1923, which was later renamed the Employee\u2019s Compensation Act. This Act was one of the country\u2019s first legislative policies on labour welfare and social security.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Workers\u2019 compensation insurance is mandatory in India regardless of the size of the company. So, if the business has only one employee, it is still necessary to purchase this insurance. Businesses that employ a staff of fewer than 20 people fall under the purview of the Employee\u2019s Compensation Act. Businesses that employ 20 people or more staff would fall under the purview of the Employees\u2019 State Insurance Act, 1948.<\/span><\/p>\n<p>Additional : <a href=\"https:\/\/securenow.in\/insuropedia\/things-business-owners-must-do-10-things-business-owners-must-do-to-comply-with-workmens-compensation-act-1923\/\">10 things business owners must do to comply with the workmen&#8217;s compensation act 1923, and the factory act 1948<\/a><\/p>\n<p><span style=\"font-weight: 400;\">Both these Acts give recognition to the fact that employees who are a victim of workplace-related injuries, accidents, occupational ailments, and death, have a right to receive compensation for the same.<\/span><\/p>\n<h2><b>What does workers\u2019 compensation insurance <\/b><b>cover<\/b><b>?<\/b><b><br \/>\n<\/b><\/h2>\n<h3 class=\"p1\">Workers\u2019 compensation insurance covers the following:<\/h3>\n<ul>\n<li class=\"p1\">\n<h4><strong>Temporary disability \u2013<\/strong><\/h4>\n<\/li>\n<\/ul>\n<p>If the employee sustains an injury that gives him a disability such that he is unable to perform their job for a limited period: compensation is payable to the employee. Here the employee receives 25% of their total salary every two weeks, therefore, making it 50% of their total salary. The employee also has to undergo a physical assessment twice a month during the month right after the injury and once a month if they continue to claim compensation.<\/p>\n<ul>\n<li class=\"p1\">\n<h4>Permanent partial disability \u2013<\/h4>\n<\/li>\n<\/ul>\n<p class=\"p1\">Compensation is payable if the employee sustains an injury at work that leaves them disabled and incapable of performing their job-related tasks; to the same capacity (as before the injury) for the rest of their career. Here the compensation depends on the employee\u2019s loss of earning capacity and the nature of the injury itself. There is a schedule of possible permanent disability injuries in the Act and the related loss of earning capacity. If the employee\u2019s injury is not given in the schedule; a medical doctor has to be provided by the employer, to assess the injury and provide an estimate of the loss of earning capacity.<\/p>\n<ul>\n<li class=\"p1\">\n<h4>Permanent total disability &#8211;<\/h4>\n<\/li>\n<\/ul>\n<p class=\"p1\">Compensation is paid if the employee sustains a workplace-related injury at work leaving them permanently and totally disabled rendering the employee incapable of performing any tasks related to their job. The employee here would receive a compensation amount of Rs 1,40,000 or 60% of their monthly salary multiplied by a factor based on their future potential earnings. Depending on the age of the employee, the compensation amount can be significantly larger.<\/p>\n<ul>\n<li class=\"p1\">\n<h4>Death \u2013<\/h4>\n<\/li>\n<\/ul>\n<p class=\"p1\">Where the employee dies due to workplace-related injury or disease, their immediate dependents receive compensation for this unfortunate event. The compensation amount has to be either Rs 1,20,000 or the employee\u2019s half-monthly salary multiplied by a factor based on their future potential earnings.<\/p>\n<ul>\n<li class=\"p1\">\n<h4><strong>Occupational diseases \u2013<\/strong><\/h4>\n<\/li>\n<\/ul>\n<p>These are diseases that an employee sustains because of the nature of their job during their employment. Schedule III of the Employee\u2019s Compensation Act covers these diseases.<\/p>\n<ul>\n<li class=\"p1\">\n<h4>Legal expenses \u2013<\/h4>\n<\/li>\n<\/ul>\n<p class=\"p1\">The employee may receive coverage for legal liabilities arising from accidents that occur at the workplace during employment.<\/p>\n<h3><b>Insurance extensions that businesses may take in addition to a workers&#8217; compensation policy<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses can take extensions on the workers\u2019 compensation policy by paying an additional premium. These extensions may cover contractual employees, <\/span><span style=\"font-weight: 400;\">medical expenses<\/span><span style=\"font-weight: 400;\"> for workplace-related injuries and more occupational ailments as mentioned under Part C of Schedule III of the Employee\u2019s Compensation Act.<\/span><\/p>\n<h2><b>Workers\u2019 compensation and prescriptions cover<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Workers\u2019 compensation covers the <\/span><span style=\"font-weight: 400;\">medical expenses<\/span><span style=\"font-weight: 400;\"> of injuries that have taken place while on the job or occupational ailments that arise due to the nature of the job. So, these often include the cost of prescription medication, medical supplies available at pharmacies, and over-the-counter medicines. The prescription should be provided by a doctor with the approval of the insurance provider.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Supposing the employee has injured his leg and requires medical treatment and prescription medicines to heal and recover. The prescription medicines that are meant to help the employee heal the injured leg; are under the coverage of workers\u2019 compensation insurance.\u00a0<\/span><\/p>\n<h3>Additional Insurance coverage in Workmen Compensation<\/h3>\n<p><span style=\"font-weight: 400;\">Some organisations may take additional insurance to cover more <\/span><span style=\"font-weight: 400;\">medical expenses<\/span><span style=\"font-weight: 400;\"> such as hospitalisation costs and surgical costs. They may also take additional insurance to cover transportation\/ambulance expenses to cover transportation expenses incurred by the employee.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The doctor overseeing the employee\u2019s medical case should provide the employee with the medical prescriptions for the same. The doctor may also choose to send the medical prescriptions directly to the pharmacy. The insurance provider may have a stipulation that the medicines should only be bought from a certain pharmacy chain, or the employee may have the freedom to choose any pharmacy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The insurance provider may sometimes question the employee regarding certain <\/span><span style=\"font-weight: 400;\">medical expenses<\/span><span style=\"font-weight: 400;\"> claimed, such as strong painkillers or non-prescription drugs or a brand-name medication versus a generic version of the same. The employee has to provide a note from their doctor validating the need for those expenses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the insurance provider or employer disputes the workers\u2019 compensation claim; the employee may have to pay out-of-pocket for the medicines. Later, when the insurance provider approves the claim; the employee may be able to put in a reimbursement claim for those medicines.\u00a0<\/span><\/p>\n<h3><b>Common exclusions under workers\u2019 compensation insurance cover<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It is important for business organisations to inform their employees about the expenses covered by workers\u2019 compensation insurance. The employees need to know the list of exclusions of the Workmen&#8217;s Compensation Insurance Plan. The list of exclusions may vary by the insurance provider.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following is a list of common exclusions in which case the <\/span><span style=\"font-weight: 400;\">medical expenses<\/span><span style=\"font-weight: 400;\"> and compensation are not covered by the insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Injuries and diseases that are the result of war, invasion, and other such man-made or natural disasters and perils<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">An injury that is not fatal and does not result in disability for more than three days<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If the employee <\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Has ignored safety measures while on the job<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Was in a state of intoxication with food or drink when the injury took place<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Was a part of a criminal activity<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If the injury was sustained by a contractor\u2019s employees unless the employer has taken additional insurance for coverage of contractors.<\/span><\/li>\n<\/ul>\n<h3>Summary Table: Employee\u2019s Compensation Act &amp; Policy Scope<\/h3>\n<table data-path-to-node=\"3\">\n<thead>\n<tr>\n<td><strong>Benefit Category<\/strong><\/td>\n<td><strong>Eligibility Trigger<\/strong><\/td>\n<td><strong>Compensation Structure<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"3,1,0,0\"><b data-path-to-node=\"3,1,0,0\" data-index-in-node=\"0\">Temporary Disability<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,1,1,0\">Unable to work for a limited period (over 3 days).<\/span><\/td>\n<td><span data-path-to-node=\"3,1,2,0\">25% of salary every 2 weeks (50% monthly).<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,2,0,0\"><b data-path-to-node=\"3,2,0,0\" data-index-in-node=\"0\">Permanent Partial<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,2,1,0\">Long-term loss of earning capacity (e.g., loss of a finger).<\/span><\/td>\n<td><span data-path-to-node=\"3,2,2,0\">Based on the &#8220;Schedule of Injuries&#8221; or doctor&#8217;s assessment.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,3,0,0\"><b data-path-to-node=\"3,3,0,0\" data-index-in-node=\"0\">Permanent Total<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,3,1,0\">100% loss of ability to perform any job-related task.<\/span><\/td>\n<td><span data-path-to-node=\"3,3,2,0\">\u20b91,40,000 OR 60% of salary \u00d7 Age Factor.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,4,0,0\"><b data-path-to-node=\"3,4,0,0\" data-index-in-node=\"0\">Death Benefit<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,4,1,0\">Fatality occurring during the course of employment.<\/span><\/td>\n<td><span data-path-to-node=\"3,4,2,0\">\u20b91,20,000 OR 50% of salary \u00d7 Age Factor.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,5,0,0\"><b data-path-to-node=\"3,5,0,0\" data-index-in-node=\"0\">Occupational Disease<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,5,1,0\">Illnesses listed in Schedule III (e.g., lung disease).<\/span><\/td>\n<td><span data-path-to-node=\"3,5,2,0\">Statutory compensation based on disability level.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,6,0,0\"><b data-path-to-node=\"3,6,0,0\" data-index-in-node=\"0\">Medical\/Prescription<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,6,1,0\">Injuries requiring meds, surgery, or therapy.<\/span><\/td>\n<td><span data-path-to-node=\"3,6,2,0\">Covers doctor-approved prescriptions and supplies.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>In conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Workers\u2019 compensation insurance is compulsory insurance that every business should purchase. Moreover, it makes economic sense as the organisation ends up paying far more if they don\u2019t have workers\u2019 compensation insurance; versus if they purchased a policy. Organisations must make an effort to limit the risk of accident and injury; as well as, choose the appropriate workers\u2019 compensation insurance cover for the benefit of both the employees and the business.<\/span><\/p>\n<h3 data-path-to-node=\"8\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">1. Can an employee choose their own pharmacy for work-injury prescriptions?<\/b><\/h4>\n<p data-path-to-node=\"9\"><strong>A)<\/strong> This depends on the specific insurance provider. Some insurers have &#8220;Preferred Pharmacy Networks,&#8221; while others allow you to buy from any chemist and seek reimbursement. Always check if a prior authorization or a specific pharmacy chain is required to avoid out-of-pocket losses.<\/p>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">2. What happens if the insurance provider thinks my pain medication is too expensive?<\/b><\/h4>\n<p data-path-to-node=\"10\"><strong>A)<\/strong> The insurer may question brand-name versus generic drugs or the necessity of strong painkillers. In such cases, the employee must provide a <b data-path-to-node=\"10\" data-index-in-node=\"226\">Note of Validation<\/b> from their treating physician justifying why that specific medication is required for recovery.<\/p>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">3. Is &#8220;Work-from-Home&#8221; covered under this Act?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)<\/strong> The Act specifies injuries &#8220;arising out of and in the course of employment.&#8221; If an employee is performing a specific job task at home and gets injured, it <i data-path-to-node=\"11\" data-index-in-node=\"202\">could<\/i> be covered, but these claims are often more scrutinized than those occurring on a factory floor or office.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">4. Does the insurance cover injuries if I wasn&#8217;t wearing my safety gear?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> If the employer can prove the employee <b data-path-to-node=\"12\" data-index-in-node=\"112\">willfully disregarded<\/b> safety measures (like refusing to wear a harness or helmet provided by the company), the claim for a non-fatal injury can be legally denied.<\/p>\n<h4 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">5. How often must an injured employee undergo medical assessments?<\/b><\/h4>\n<p data-path-to-node=\"13\"><strong>A)<\/strong> For temporary disability claims, the employee must undergo a physical assessment <b data-path-to-node=\"13\" data-index-in-node=\"148\">twice a month<\/b> during the first month following the injury. If the claim continues, the assessment frequency typically drops to <b data-path-to-node=\"13\" data-index-in-node=\"275\">once a month<\/b>.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can an employee choose their own pharmacy for work-injury prescriptions?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) This depends on the specific insurance provider. Some insurers have \\\"Preferred Pharmacy Networks,\\\" while others allow you to buy from any chemist and seek reimbursement. 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In such cases, the employee must provide a Note of Validation from their treating physician justifying why that specific medication is required for recovery.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is \\\"Work-from-Home\\\" covered under this Act?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) The Act specifies injuries \\\"arising out of and in the course of employment.\\\" If an employee is performing a specific job task at home and gets injured, it could be covered, but these claims are often more scrutinized than those occurring on a factory floor or office.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the insurance cover injuries if I wasn't wearing my safety gear?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) If the employer can prove the employee willfully disregarded safety measures (like refusing to wear a harness or helmet provided by the company), the claim for a non-fatal injury can be legally denied.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How often must an injured employee undergo medical assessments?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) For temporary disability claims, the employee must undergo a physical assessment twice a month during the first month following the injury. If the claim continues, the assessment frequency typically drops to once a month.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><strong>Rahul Kumar\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Finance<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a wealth of experience in the insurance industry, Rahul is a seasoned writer specializing in articles related to workmen compensation policies (WC policies) for SecureNow. With 12 years of experience in the field, he has acquired in-depth knowledge and expertise in workmen compensation insurance, understanding its complexities and nuances. Their insightful articles provide valuable insights into the importance of WC policies for businesses and employees alike, offering practical advice and guidance on navigating the intricacies of insurance coverage. Trust him to deliver informative and engaging content, backed by years of experience and a passion for educating readers about insurance-related topics.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Workers\u2019 compensation insurance is mandatory insurance that businesses in India must purchase to cover the legal and medical expenses for employee accidents, injuries, occupational ailments, and death.\u00a0 Key Takeaways The Power of One: In India, workers&#8217; compensation insurance is mandatory regardless of company size. Even a startup with only one employee is legally required to [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[297,295],"tags":[1309,1310],"class_list":["post-20910","post","type-post","status-publish","format-standard","hentry","category-features-workmen-compensation","category-workmen-compensation","tag-workers-compensation-insurance","tag-prescriptions"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/20910","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=20910"}],"version-history":[{"count":14,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/20910\/revisions"}],"predecessor-version":[{"id":36016,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/20910\/revisions\/36016"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=20910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=20910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=20910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}