What does an Occupational Policy cover?

An Occupational Policy is designed to provide coverage for injuries and illnesses that occur as a result of the individual's job duties or working conditions. This type of policy goes beyond just addressing workplace injuries; it also covers illnesses that may arise from job-related exposure or stress, as well as injuries and illnesses that occur off the job, provided they are related to the individual's occupation.

The inclusion of both on-the-job and off-the-job situations reflects the understanding that the nature of certain jobs can lead to health issues that manifest outside of the workplace. For instance, an individual working in a high-stress environment may develop conditions like anxiety or depression that aren't necessarily tied to a specific event at work but are still a result of their occupational stress.

Thus, the main focus of an Occupational Policy is its comprehensive coverage for work-related factors affecting an employee's health, making it applicable in various circumstances beyond just those occurring during work hours.