Do You Still Need Health Insurance If You Have Workers’ Comp Insurance?

​It is an excellent question to ask, especially if you are a new employee. You have to understand the importance of getting insurance not only for your safety but also for the protection of your family. The short answer to this question is both yes and no.

The Need for Health Insurance
Yes, to needing health insurance. It would help if you had health insurance to cover you in case of injury and medical needs. Do you still need it if you have workers' compensation insurance already? To answer this, you have to learn about the essential nature of worker's comp insurance.

Workers’ Comp Insurance Defined
Workers’ comp insurance provides coverage for injured employees within the workplace or during office hours. While Health Insurance covers you outside of work, workers' comp has your back if you get hurt within company grounds.

Answering the Question
Do you really need health insurance even if you already have workers comp insurance? The answer is dependent on the situation. It is an excellent option to have both, but it is not imperative. You can have either one or the other in terms of choices.

Workers' comp insurance is mandated by law. Companies are obligated to provide this type of coverage, especially if they have many employees and have a factory for manufacturing products. They would need to protect the employees and workers in the factory due to the high-risk nature.

Providing workers comp insurance will protect the employer from any legal liability in the future. Since workers comp is already mandated by law, compliance will render the employer protected from legal issues regarding employee protection.

In addition to this, workers’ compensation insurance does not only cover medical expenses. It also includes personal injuries and compensation issues due to a lack of working hours when injured. It is one of the most comprehensive insurance policies that you can get as an employee.

It would be best if you did not hesitate to get both insurance policies right away. Ask your employees and insurance provider about your health and workers' comp insurance as soon as possible.

Final Words
In conclusion, having health insurance will complement workers' comp so that it extends coverage limits significantly. Your Health Insurance policy could compensate for those conditions and illnesses not covered by workers' compensation insurance. It is an excellent option to have both.

At CSIS Insurance Services, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.