# Is accident insurance worth taking for employee if the workforce is already covered in ESIC ?

**URL:** <https://community.greythr.com/t/is-accident-insurance-worth-taking-for-employee-if-the-workforce-is-already-covered-in-esic/5814>\
**Category:** Ask the Community\
**Tags:** employeebenefits\
**Created:** [August 17, 2022, 10:49am UTC](https://community.greythr.com/t/is-accident-insurance-worth-taking-for-employee-if-the-workforce-is-already-covered-in-esic/5814 "2022-08-17T10:49:53Z")\
**Posts on this page:** 2\
**Page:** 1

<div class="post-metadata">

**Author:** ![Mani19](https://avatars.discourse-cdn.com/v4/letter/m/8491ac/32.png) [@Mani19](https://community.greythr.com/u/Mani19)\
**Post date:** [August 17, 2022, 10:49am UTC](https://community.greythr.com/t/is-accident-insurance-worth-taking-for-employee-if-the-workforce-is-already-covered-in-esic/5814/1 "2022-08-17T10:49:53Z")

</div>

Is it beneficial to take group accident insurance policy if the staff is covered in ESIC already.

---

<div class="post-metadata">

**Author:** ![amiths](https://avatars.discourse-cdn.com/v4/letter/a/2acd7d/32.png) [@amiths](https://community.greythr.com/u/amiths)\
**Post date:** [September 2, 2022, 6:16am UTC](https://community.greythr.com/t/is-accident-insurance-worth-taking-for-employee-if-the-workforce-is-already-covered-in-esic/5814/2 "2022-09-02T06:16:56Z")

</div>

It is always better to take the additional policy to safeguard the employees.

ESIC is also having the similar Disability clause:

**IVDisablement Benefit (Cash)**

**Disablement Benefit** is payable to insured employees suffering from physical disablement due to employment injury or occupational disease.

- An insured person should be an employee on the date of the accident.
- **Temporary disablement** benefit @ 70 per cent of the wages is payable till temporary disablement lasts and is duly certified by authorised insurance medical officer.
- In case of **permanent disablement** , the cash benefit is payable for life. Amount payable is worked out on the basis of loss of earning capacity determined by a medical board.
- Disablement benefit is payable within one month of submission of the complete claim papers.