Work Injury Benefits

WIBA Cover is designed to provide essential insurance benefits for employees who suffer work-related injuries or illnesses.

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WIBA

Aptic WIBA Cover: Safeguard Your Workforce

 It ensures that workers are compensated for medical expenses, loss of income, and other related costs.

  • A. Mandatory Benefits
    • Death Benefits: Compensation equivalent to 8 years' earnings for beneficiaries in the event of a work-related death.
    • Permanent Total Disability: Compensation equal to 96 months' earnings for employees who are permanently unable to work due to injury.
    • Permanent Partial Disability: Compensation based on the percentage of disability as assessed by a qualified medical professional.
    • Temporary Total Disability: Compensation equal to 12 months' earnings for employees temporarily unable to work due to injury.
    • Medical Expenses: Coverage for actual medical costs incurred as prescribed for treatment related to work injuries.
  • B. Additional Benefits
    • Funeral Expenses: Coverage for funeral costs up to a specified limit.
    • Artificial Appliances and Rehabilitation: Coverage for artificial appliances and rehabilitation costs up to a specified limit.
    • Transport Costs: Reimbursement for transport costs incurred while traveling to medical facilities up to a specified limit.
    • Emergency Evacuation Costs: Coverage for emergency evacuation expenses in case of serious injuries requiring immediate transport to medical facilities.

A. Premium Calculation Basis

  • Premiums are calculated based on:
    • Annual Wage Roll: Total annual wages of employees covered.
    • Nature of Business/Occupation: Risk associated with specific industries.
    • Claims History: Past claims experience that influences premium rates.
    • Number of Employees: Total number of employees covered under the policy.
    • Risk Management Measures: Implementation of safety measures and risk mitigation strategies.
  • B. Claims Process
    1. Immediate Notification Requirement: Employers must notify the insurance provider within 24 hours of an employee's work-related injury.
    2. Medical Examination: A medical examination by an authorized practitioner is required to assess the injury.
    3. Injury Report Submission: Submission of an injury report detailing the circumstances and nature of the injury.
    4. Wage Documentation: Documentation of employee wages to calculate compensation.
    5. Treatment Records: Records of medical treatment received for the injury must be submitted.

Employers across various industries seeking to comply with WIBA regulations.

Small to large businesses employing workers who may be exposed to workplace hazards.

Companies looking to enhance employee welfare and demonstrate a commitment to occupational safety

Legal Compliance: Ensures that employers meet statutory requirements under the Work Injury Benefits Act.

Financial Protection: Provides essential financial support to employees and their families in case of work-related injuries.

Employee Confidence: Enhances employee morale and confidence in workplace safety, knowing they are protected.

Risk Management Support: Encourages employers to implement safety measures to reduce the risk of workplace injuries.

General Exclusions

  • Injuries resulting from willful misconduct or self-inflicted harm.
  • Injuries occuring during illegal activities.
  • Injuries sustained while the employee was under the influence of drugs or alcohol.

Operational Exclusions:

  • Injuries occurring outside the scope of employment or during unauthorized activities.
  • Injuries arising from the use of company vehicles without proper authorization.
  • Sickness or injuries resulting from nuclear energy risks.
  • Sickness resulting from exposure to asbestos whether directly or indirectly.
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