Workers compensation

What is Workers’ Compensation insurance?

Workers’ Compensation is a compulsory statutory form of insurance for all employers in Uganda which provides protection to workers if they suffer a work-related injury or disease.

Workers’ compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job.

Employers pay premiums, and when there is a claim, the insurance company checks to see what benefits are owed, and then pays the injured party. You, as the injured worker, are the injured party receiving the workers’ compensation benefits.

Workers compensation insurance protects both the employee and the employer.

What’s covered

  • Medical costs due to injury or illness occurring while employee was on the job
  • Payment of injured employee’s missed wages
  • Provide necessary ongoing care for injured employee
  • Covers legal costs if employee sues your company due to the injury
  • Funeral costs and death benefits if employee dies due to a work related event

What’s not covered

  • Funds to Improve Workplace Safety
  • Third-Party Damage
  • Injuries suffered while an employee is intoxicated or using illegal drugs.
  • Injuries caused by a worker who starts a fight.
  • Injuries suffered while a worker was committing a serious crime.
  • Injuries suffered while an employee was not on the job.
  • Injuries suffered when an employee’s conduct violates company policy.
  • Willful attempt to injure oneself or another.
  • Employees who suffer a heart attack.
  • Injuries from repetitious mental trauma.
  • Contracting ordinary disease of life.
  • Injuries suffered during participation in off-duty recreational activity.
  • An incident that arose out of an act of God.
  • Employee’s horseplay that produces or causes an injury.

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • Political Violence and Terrorism: Cover against political violence and terrorism

Goldstar claim process

No matter what your worry is, we’re here to help
explain the process, assess your claim fairly
and minimize the disruption to you with a transparent claims process.
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How to make a claim

We have a number of options to help you make a 
claim quickly and effectively. Contact our dedicated claims team for advice on
an incident/claim.
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Why choose us ?

Goldstar Insurance was IFM’s Best Insurance
Company in Uganda (2015) and has over
 the years consistently maintained a Global A+ Credit Rating
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2016 Global Business Outlook Award

Best insurance company in Uganda

2015 International Finance Magazine Award

Best insurance company in Uganda

A+ Global Credit Rating Co

Your expert local insurance partner

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FAQ's

How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?

Tips

  • Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
  • Always keep valuables safely and locked out of site to protect against the risk of theft