{"id":26702,"date":"2023-06-10T15:07:39","date_gmt":"2023-06-10T15:07:39","guid":{"rendered":"https:\/\/insuropedia.in?p=26702"},"modified":"2026-03-30T06:52:39","modified_gmt":"2026-03-30T06:52:39","slug":"what-are-the-most-common-claims-for-workers-compensation","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/what-are-the-most-common-claims-for-workers-compensation\/","title":{"rendered":"What are the most common claims for workers compensation?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\">Safety is an utmost important element to creating a healthy workplace environment. As safety-related incidents can affect the employees\u2019 morale and their family, productivity, and the organisation&#8217;s reputation, various safety measures are taken to prevent such risks. However, ensuring workplace safety requires both employee and employer cooperation. Despite all the safety measures and rules for prevention, sometimes accidents are unavoidable. Organisations cannot make the workplace immune to accidents resulting in death, injuries, and illness. Hence, there is a statutory act named \u2018The Workmen\/<\/span><span style=\"font-weight: 400;\">Employees Compensation Act, of 1923\u2019<\/span><span style=\"font-weight: 400;\"> to provide compensation for employees who suffer due to workplace-related accidents. The Act defines the extent of <\/span><span style=\"font-weight: 400;\">worker compensation<\/span><span style=\"font-weight: 400;\"> that an employer is liable to pay to their employees in case of an unfortunate incident. Hence, organisations are required to avail the <\/span><span style=\"font-weight: 400;\">workmen compensation policy<\/span><span style=\"font-weight: 400;\"> to compensate the employees in case of workplace-related accidents resulting in death, injury, or occupational illness that occurs in the course of employment. Further, the most common type of insurance claims is workers&#8217; compensation claims.<\/span><\/p>\n<h2 data-path-to-node=\"5\">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 &#8220;Big Three&#8221; Claims:<\/b> Strains, contusions (bruises from falls), and sprains remain the most frequent drivers of workmen&#8217;s compensation claims, particularly in labor-intensive sectors like warehousing and construction.<\/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\">Beyond Immediate Accidents:<\/b> Coverage isn&#8217;t just for sudden falls; it includes <b data-path-to-node=\"6,1,0\" data-index-in-node=\"78\">Occupational Illnesses<\/b> that develop over years of exposure to chemicals or mining dust, treating them with the same statutory priority as physical injuries.<\/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\">Statutory Liability:<\/b> Under the 1923 Act, an employer is legally liable for injuries &#8220;occurring in the course of employment.&#8221; The WC policy is the primary tool used to fulfill this financial obligation.<\/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\">Critical Exclusions:<\/b> The &#8220;No-Fault&#8221; principle has limits. Claims are typically rejected if the injury was caused by <b data-path-to-node=\"6,3,0\" data-index-in-node=\"116\">alcohol\/drug influence<\/b>, intentional self-harm, or if the worker was engaged in unlawful activities at the time of the accident.<\/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 Waiting Period:<\/b> For total disabilities lasting less than 28 days, the policy generally does not cover the first three days of the disability, a standard limitation designed to manage high-frequency, low-severity claims.<\/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\">Comprehensive Defense:<\/b> A modern WC policy does more than pay the worker; it covers the employer\u2019s <b data-path-to-node=\"6,5,0\" data-index-in-node=\"98\">legal costs<\/b> and the <b data-path-to-node=\"6,5,0\" data-index-in-node=\"118\">retraining costs<\/b> required to help an injured employee transition back into the workforce.<\/p>\n<\/li>\n<\/ul>\n<h2><b>What does a <\/b><b>workers compensation policy<\/b><b> cover?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The the workers compensation or <\/span><span style=\"font-weight: 400;\">employee compensation policy<\/span><span style=\"font-weight: 400;\"> covers the following liabilities of the employer towards employees as per the <\/span><span style=\"font-weight: 400;\">Workmen Compensation Act, of 1923<\/span><span style=\"font-weight: 400;\">. The WC policy provides coverage for the following liabilities arising from workplace accidents<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Death<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disabilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permanent total disability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permanent partial disability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Temporary disability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical expenses for the injury or occupational illnesses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income replacement\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal cost\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retraining cost, etc<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Apart from this, a comprehensive <\/span><span style=\"font-weight: 400;\">WC policy<\/span><span style=\"font-weight: 400;\"> offered by many insurance providers also provides additional coverages like contractor\/ subcontractor coverage and terrorism cover, etc. Let us look at the most common claims for <\/span><span style=\"font-weight: 400;\">workers compensation<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Most common claims for <\/b><b>workmen compensation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The most common claims made by employees for workmen\u2019s compensation can give a perspective on workplace injuries and occupational illnesses. The maximum claims for <\/span><span style=\"font-weight: 400;\">workmen compensation insurance<\/span><span style=\"font-weight: 400;\"> come for the following nature of injuries:<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Strain:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Workplace-related strains leading to disability or death of a worker are one of the major reasons for <\/span><span style=\"font-weight: 400;\">employee compensation<\/span><span style=\"font-weight: 400;\"> claims. Physical strenuous jobs such as construction and hand labourers\u2019 job can put workmen at the highest risk.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Contusion:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Falls and slips are some of the common causes of injury leading to disabilities and death in many cases. High-risk jobs in industries like iron and steel, warehousing and transportation, etc., can put workers at risk of fatal injuries despite all the safety measures. Hence, a contusion is the second most common reason for workmen&#8217;s compensation claims.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Sprain:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Every organisation follows many sprain prevention measures. However, accidental injuries are not completely preventable. Sprain leading to medical help and temporary disability can be one of the reasons for workmen\u2019s compensation claims.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Here are some more <\/span><b>types of injuries <\/b><span style=\"font-weight: 400;\">that are common in case of workmen&#8217;s compensation claims:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><b>Laceration: <\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Using inappropriate tools or machinery kept in poor conditions can lead to lacerations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><b>Fracture: <\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Industries like manufacturing, construction, mining, and agricultural-related sectors can expose their workers to a higher risk of fracture.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><b>Burn: <\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Firefighters, coal miners, plant workers, and construction workers are at a higher risk of fatal injuries and threats to life from the burn.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><strong>Multiple injuries<\/strong><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><strong>Cumulative injuries<\/strong><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><b>Occupational illnesses: <\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Many hazardous job types can lead to developing an occupational illness over the years. For example, lung illnesses due to working in mining or chemical industry, etc.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Though there is comprehensive coverage available under <\/span><span style=\"font-weight: 400;\">workmen compensation policy<\/span><span style=\"font-weight: 400;\">, there are certain limitations. The following are some of the limitations under the employee compensation policy:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents are caused when under the influence of alcohol or drugs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">First 3 days of total disability of lesser than 28 days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The employee is not considered a \u2018workman\u2019 according <\/span><span style=\"font-weight: 400;\">to <\/span><span style=\"font-weight: 400;\">Employee Compensation Act, 1923<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents are caused by war and nuclear perils.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Workmen involved in unlawful activities.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-inflicted and intentional self-harm-related injuries, etc.<\/span><\/li>\n<\/ul>\n<h3>Summary Table: Common WC Claims and Coverage Scope<\/h3>\n<table data-path-to-node=\"3\">\n<thead>\n<tr>\n<td><strong>Category<\/strong><\/td>\n<td><strong>Typical Injuries\/Claims<\/strong><\/td>\n<td><strong>Coverage Highlights<\/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\">Physical Trauma<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,1,1,0\">Strains, Sprains, and Contusions (Falls\/Slips).<\/span><\/td>\n<td><span data-path-to-node=\"3,1,2,0\"><b data-path-to-node=\"3,1,2,0\" data-index-in-node=\"0\">Income Replacement:<\/b> Covers wages during recovery.<\/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\">Severe Injuries<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,2,1,0\">Fractures, Lacerations, and Burns.<\/span><\/td>\n<td><span data-path-to-node=\"3,2,2,0\"><b data-path-to-node=\"3,2,2,0\" data-index-in-node=\"0\">Medical Expenses:<\/b> Covers hospitalization and surgeries.<\/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\">Long-term Risks<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,3,1,0\">Occupational Illnesses (e.g., Lung disease).<\/span><\/td>\n<td><span data-path-to-node=\"3,3,2,0\"><b data-path-to-node=\"3,3,2,0\" data-index-in-node=\"0\">Disability Benefits:<\/b> Paid for permanent or temporary loss of function.<\/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\">Fatalities<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,4,1,0\">Death due to workplace accidents or terrorism.<\/span><\/td>\n<td><span data-path-to-node=\"3,4,2,0\"><b data-path-to-node=\"3,4,2,0\" data-index-in-node=\"0\">Death Benefit:<\/b> Lump-sum payment to dependent family.<\/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\">Operational Costs<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,5,1,0\">Legal fees and Retraining costs.<\/span><\/td>\n<td><span data-path-to-node=\"3,5,2,0\"><b data-path-to-node=\"3,5,2,0\" data-index-in-node=\"0\">Employer Protection:<\/b> Covers the cost of defending lawsuits.<\/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\">Extended Risks<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,6,1,0\">Subcontractor injuries and Terrorism.<\/span><\/td>\n<td><span data-path-to-node=\"3,6,2,0\"><b data-path-to-node=\"3,6,2,0\" data-index-in-node=\"0\">Add-on Covers:<\/b> Protects against non-standard perils.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">To sum up, the <\/span><span style=\"font-weight: 400;\">workmen compensation policy<\/span><span style=\"font-weight: 400;\"> provides financial support to both employers and employees in case of fatal workplace accidents. Knowing the scope of cover and limitations of the policy can help you reap the benefits in your time of need.<\/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. Is a &#8220;Sprain&#8221; or &#8220;Strain&#8221; really enough to file a workmen&#8217;s compensation claim?<\/b><\/h4>\n<p data-path-to-node=\"9\"><strong>A)<\/strong> Yes. If a strain or sprain is severe enough to require medical intervention or results in a temporary inability to work (disability), it is a valid claim. These are, in fact, the most common reasons for filing, especially in physically demanding roles.<\/p>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">2. Does the policy cover me if I am injured by a &#8220;Third-Party&#8221; contractor on my site?<\/b><\/h4>\n<p data-path-to-node=\"10\"><strong>A)<\/strong> Most comprehensive WC policies include <b data-path-to-node=\"10\" data-index-in-node=\"125\">Contractor\/Subcontractor coverage<\/b>. This ensures that the primary employer is protected even if the accident involves laborers not directly on their payroll but working under their supervision.<\/p>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">3. Why is there a &#8220;waiting period&#8221; for temporary disability claims?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)<\/strong> The Act specifies that for disabilities lasting fewer than 28 days, the first three days are not compensated. This is a &#8220;deductible&#8221; of sorts, intended to encourage workers with very minor injuries to return to work quickly if they are physically able.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">4. Am I covered if I develop a respiratory illness 5 years after I start working?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> Yes. If it can be medically proven that the illness is an <b data-path-to-node=\"12\" data-index-in-node=\"140\">Occupational Disease<\/b> resulting from your work environment (like silica dust in mining), you are entitled to the same medical and disability benefits as someone who had a sudden accident.<\/p>\n<h4 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">5. Can my claim be denied if I wasn&#8217;t wearing my safety helmet?<\/b><\/h4>\n<p data-path-to-node=\"13\"><strong>A)<\/strong> While the policy is &#8220;no-fault,&#8221; a claim can be contested if there was a <b data-path-to-node=\"13\" data-index-in-node=\"136\">willful disobedience<\/b> of an explicit safety rule. However, the burden of proof is on the employer to show the worker intentionally ignored the rule, which is often difficult to prove in a court of law.<\/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\": \"Is a \\\"Sprain\\\" or \\\"Strain\\\" really enough to file a workmen's compensation claim?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Yes. If a strain or sprain is severe enough to require medical intervention or results in a temporary inability to work (disability), it is a valid claim. These are, in fact, the most common reasons for filing, especially in physically demanding roles.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the policy cover me if I am injured by a \\\"Third-Party\\\" contractor on my site?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Most comprehensive WC policies include Contractor\/Subcontractor coverage. This ensures that the primary employer is protected even if the accident involves laborers not directly on their payroll but working under their supervision.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Why is there a \\\"waiting period\\\" for temporary disability claims?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) The Act specifies that for disabilities lasting fewer than 28 days, the first three days are not compensated. This is a \\\"deductible\\\" of sorts, intended to encourage workers with very minor injuries to return to work quickly if they are physically able.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Am I covered if I develop a respiratory illness 5 years after I start working?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Yes. If it can be medically proven that the illness is an Occupational Disease resulting from your work environment (like silica dust in mining), you are entitled to the same medical and disability benefits as someone who had a sudden accident.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can my claim be denied if I wasn't wearing my safety helmet?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) While the policy is \\\"no-fault,\\\" a claim can be contested if there was a willful disobedience of an explicit safety rule. However, the burden of proof is on the employer to show the worker intentionally ignored the rule, which is often difficult to prove in a court of law.\"\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>Safety is an utmost important element to creating a healthy workplace environment. As safety-related incidents can affect the employees\u2019 morale and their family, productivity, and the organisation&#8217;s reputation, various safety measures are taken to prevent such risks. However, ensuring workplace safety requires both employee and employer cooperation. Despite all the safety measures and rules for [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","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":[295,302],"tags":[185,1060,1468,1620],"class_list":["post-26702","post","type-post","status-publish","format-standard","hentry","category-workmen-compensation","category-claims-workmen-compensation","tag-workers-compensation","tag-wc-policy","tag-workmen-compensation-act","tag-employees-compensation-act-1923"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/26702","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=26702"}],"version-history":[{"count":10,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/26702\/revisions"}],"predecessor-version":[{"id":36012,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/26702\/revisions\/36012"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=26702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=26702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=26702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}