[speaker001:] Hey, Jane... are you familiar with our company's insurance policies?
[speaker002:] Umm... I think so. What's up?
[speaker001:] I've never really paid attention to the fine print of our insurance policies... but it looks like I'm going to need to make a claim.
[speaker002:] Really? Are you OK?
[speaker001:] I have a slipped disc in my lower back and the doctor says surgery is probably the best option. Does our worker insurance cover this kind of thing?
[speaker002:] If the injury is workplace related I'm sure it's completely covered.
[speaker001:] Hummum... I think I'll have to talk to the doctor again about that.Anyway... now that I'm going to have to make some claims, I think I'd better try and understand how the system works. Would you mind breaking it down for me?
[speaker002:] Sure. Basically we have two insurance policies for employees... workman's compensation and medical insurance. The company pays the premiums for workman's compensation, and for a significant part of the medical coverage, but you pay part of that premium, too.
[speaker001:] That's the charge for insurance I see on my pay slip each month, right?
[speaker002:] Yep. Every country in the world has a different system, but here we buy insurance from a private provider.
[speaker001:] So workman's compensation is if I slip and break my arm while working in the office or on the job, right?
[speaker002:] That's right. The company pays for all your medical bills and there is also some financial compensation if you have to take days off to see doctors or spend time recuperating.