Dear All,

One of my employee met with road accident while performing domestic work out side company campus and not during normal working hours. Company is having Policy of Personal Accident as well as Mediclaim of good amount and said employee is covered under the scope of PA policy as well as Mediclaim scheme.

Now the question is whether employee will be entitled to get the benefit under the scope of Personal Accident Policy though the accident has no connection with duty or company’s work? (I suppose as there is coverage of 24 hours there shall be compensation from Insurance Company towards the absent days of employee and medical expenses)

His medical expenses are covered under the Medicalim Policy hence there is no issue on this front.
But the accident has no connection with his job or duty then also company is suppose to pass on the amount received towards the claim of Personal Accident from Insurance Company to employee??

Kindly share the practice being observed by the company under the circumstances as stated above.

Your early response will help me to take appropriate decision.

Saby