All the employees of our company are covered under group Personal Accident as well as group Mediclaim policy. One employee met with road accident, while performing domestic work outside the company premises and also after working hours. His medical expenses are covered under the Medicalim Policy hence there is no issue on this front.
Query -

Whether the above 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)

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