The Occupational Accident Insurance Act of 1948 was established to offer protection against work-related accidents. It was later complemented by the Factories Act of 1948, ensuring compensation for employees injured on the job.
In 1972, the introduction of the Employees’ State Insurance Act provided a broad social security scheme for all working individuals. This Act ensures benefits for employees who experience injuries or fatalities during their employment.
Such benefits encompass medical expenses due to injury or death and compensation for any loss resulting from these incidents. If an employee passes away, their dependents receive the benefits, and any expenses related to the death are covered.
However, the coverage has exceptions. It doesn't cover medical care in situations like:
Wars or any related activities, declared or not.
Acts of lawless violence, including terrorism and certain criminal activities.
Medical conditions stemming from war, lawless actions, or criminal activities.
Care for pre-existing conditions or injuries.