[0:09]Welcome to my YouTube channel HSE Crew. Is video me hum Nebosh IGC IG1 k lecture 3 ko dekhenge or element 1.1 ko hi continue karenge or jo topic hum isme dekhenge. That are financial reason for managing health and safety jisme hum direct cost of the accident or indirect cost of the accident ko discuss karenge. Aur sath me hum insured cost aur uninsured cost of the accident ko bhi dekhenge. Previous videos, yani lecture one aur lecture two mein humne introduction to Nebosh IGC cover kiya hai. Aur isi tarah se lecture 2 mein humne moral reason for managing health and safety, barriers to good health and safety standards aur why manage health and safety ko cover kiya hai jo ki element 1.1 hi tha. Agar aapne ye videos nahi dekhi to isi playlist ko scroll karke aap ye video dubara dekh sakte hai. Basically ek note hai. Main purpose of this Nebosh IGC lecture series is to convey the knowledge with real life and professional examples, in easily understood language. So that new learners can understand Nebosh IGC. If you found this video helpful, if you found this content helpful, do comment, like and share the video and also subscribe to the channel if you are new to the channel. So, hum continue karenge. The financial reason for managing health and safety ke financial reason basically humne dekha ki teen reasons hoti hai health and safety ko manage karne ke liye. Jisme pehli reason moral reason already humne lecture number one aur lecture number two mein cover ki hai. Aur isi tarah se next financial reason hai aur iske baad hum legal reason to manage health and safety ko dekhenge. To financial reason kya hai janab ki, Accidents and ill health cost money to the organization. Definitely jab bhi koi accident hoga ya koi worker bimar hoga to uski cost company ko bear karna padegi. Costs may be direct cost or indirect cost. Direct cost kya hoti hai? Measurable costs arising directly from accidents. Kisi bhi accident se directly jo cost arise ho rahi hoti hai use hum direct cost kehte hain aur indirect cost kya hoti hai hamare paas arise as a consequences of the event but may not directly involve money, often difficult to quantify. Simple kya hota hai ki ye directly involve nahi hoti lekin kya hota hai ki as the consequences of accident hi ye cost arise karti hai aur is cost ko hum gin nahi sakte matlab isko hum quantify nahi kar sakte isko ginna quantify karna estimate karna difficult hota hai. H&S failure can affect the broader economy, as well as individual companies.
[2:40]Matlab ke country level ke upar ek agar organization achhi product bana rahi hai, export kar rahi hai to definitely country ko wo financially support bhi kar rahi hai and in the form of aap ye keh le revenue keh le ya jo bhi wo profit generate kar rahi hai. Agar wo company band ho jati hai to na sirf company ya individual jo us company ke owner hai wo suffer karte hai balki ye country economy ko bhi hit karti hai. To hum ek group discussion dekhenge. An employee has been injured at work, identify potential direct costs of the accident and indirect costs of the accident. Already humne padh liya ki direct cost kya hoti hai? Aisi cost jo ki directly involved hoti hai accident mein aur jisko hum quantify kar sakte hain. Aur indirect cost aisi hoti hai jo ki as the consequences of accident hi raise hoti hai lekin hum usko quantify nahi kar sakte use hum indirect cost kehte hain. To next slide ke upar hum dekhte hain. First of all direct cost. First aid treatment cost matlab site ke upar agar kisi ko chot lagi hai to jo usko first aid treatment ki hai uski jo cost hoti hai use hum first aid treatment cost kehte hain. Worker sick pay. Matlab ke worker chot lagne ke baad 10 din site pe nahi aa raha un 10 din ki jo uski salary hai usko pay ki ja rahi hai that is sick pay wo worker ko pay ki jaati hai. Next company payable compensation payable to the victim. Compensation kya hoti hai ke ek bande ko chot lagi hai usne court mein jaake case kiya hai ki ye mujhe compensate kiya jaye mujhe itna loss hua hai to jo compensation amount pay karni hai wo bhi direct cost consider ki jaati hai. Repairs are replacement of damaged equipment or building. Definitely jo cost lagti hai usko hum quantify kar sakte hain ki is equipment is building ke upar kitne paise lage hai isko renovate karne ke liye dobara se isko theek karne ke liye. Lost or damaged product. Kitni product damage hui hai agar fire incident hua hai to usme kitni product jal gayi hai kitni product waste ho gayi hai uski cost hum quantify kar sakte hai. Lost production time whilst dealing with the injury. Jitne number of workers kaam kar rahe the ab injured workers ko manage karne ke liye, ambulance banne ke liye, first aid treatment dene ke liye jo work activities hai unko suspend kiya jata hai to unki jitni cost arise hoti hai usko hum estimate kar sakte hain direct cost hai. Overtime to make up for lost time. Jo time waste hua hai us shift mein jo production cover karne ke liye hum workers ko extra time rokenge extra wages pay karenge wo bhi hamare paas direct cost count ki jaati hai. Fines in the criminal courts. Simply company ke upar koi case ho jata hai uske nateeje mein jo fine wagerah company ko pay karne padte hain wo bhi hum quantify kar sakte hain direct cost consider ki jaati hai. Costs associated with rehabilitation of injured worker. Definitely injured worker ki hospital treatment hai uske baad ki jo uske mamlaat hain uske liye jo company usko cost pay ki jaati hai. Karti hai ya matlab cost usko upar jo bear karti hai that is simply hamare paas direct cost usko hum quantify kar sakte hain ye several examples ki hamare paas direct cost ki in the case of any incident accident do not managing health and safety properly on the site. Next hamare paas aa jata hai indirect cost. Indirect cost kaunsi hoti hai? Rising as the consequences of the event but not directly involved in the accident. Uss cost ko hum indirect cost kehte hain aur isko quantify karna bhi difficult hota hai as compared to direct cost ke. To loss of staff from productive duties in order to investigate the incident, prepare reports, undertake hospital visits, deal with relatives, attend court proceedings. To ye jo loss hoga, for example management basically ye saare kaam kar rahi hoti hai. Incident investigation hai reports banani hai hospital visit karna hai relatives ko deal karna hai courts mein agar koi case proceeding hai to wahan pe jana hai to is saara time jo waste hoga isme kitna banda kaam kar sakta tha usko hum quantify nahi kar sakte kitna loss hua hai isko hum quantify nahi kar sakte. Next is staff morale. Staff morale kya hota hai ki jab kisi worker ke samne group ke samne ek worker ko severe chot lag gayi severe injury ho gayi to baaki sab ka jo morale hai wo down ho jayega kaam karne ka jo matlab ke kehte hai ki will jo hai wo kam ho jayegi that is called staff morale down ho gaya ab kitna kitne pound staff morale down hua isko hum calculate ya quantify nahi kar sakte. Cost of remedial action following an investigation. Remedial action matlab us tarah ki dubara cheeze na ho uske liye jo cost hogi usko bhi hum indirect cost lete hain usko bhi quantify karna difficult hota hai. Compliance with any enforcement notice served. Definitely company ke upar koi case hua hai koi non-compliance ki jo NC raise hui hai unko deal karne ke liye jo cost aayegi usko bhi hum indirect cost jo hai wo count karte hain. Cost of recruiting and training temporary or replacement labor. Naye bande ko hire karna hai usko train karna hai usme jitni cost aayegi indirect cost karega company ko. General difficulties in recruiting and retaining staff as an indirect result of the accident. Definitely ek bande ko chot lagi hai uski jagah ke upar naya banda hire karna hai usko train karna hai usme time effort paisa jo lagega indirectly cost karega company ko. Loss of goodwill to the customers. Ek company jisme baar baar accident ho rahe hai to definitely log uske sath business karna pasand nahi karte. Company ki goodwill kharab ho jati hai company ka image kharab ho jata hai ab kitne pound ka image kharab hua kitne dollar ka image kharab hua hum isko quantify nahi kar sakte to definitely ye bhi hamare paas ek indirect cost to the business hai. Next is damage to the public image and business reputation already humne discuss kar liya kitni business reputation down hui hai kitna business reputation damage hui hai isko hum quantify nahi kar sakte to isko bhi hum indirect cost jo hai wo count karte hain. Next hamare paas aa jata hai insured cost and uninsured cost. Dekhe kisi bhi accident mein jo cost arise hoti hai usko hum do categories mein divide kar sakte hain. One is direct cost and indirect cost and second one is called insured cost and uninsured cost. Simple rule of thumb kya hai insured aur uninsured cost mein basically insurance kya hoti hai ki company ek insurance company ko that is risk transfer technique isme company apna risk transfer kar deti hai only financial risk transfer hota hai baki jo losses hai unka risk basically transfer nahi hota. To insurance company ko financial risk jo hai wo transfer kar diya jata hai. Ab simple is that ek insurance premium pay kiya jata hai matlab five year ke agar aapne insurance plan liya hai to uske against aapko ek specific amount pay karna padti hai. Agar in five years mein koi accident nahi hota to wo company ki jo amount pay ki thi wo insurance company wapas nahi karegi. Ab that is called insurance premium. Ab usme ek aa jata hai in case of accident insurance access company for example hamara ye contract hua hai ki in case of accident 80% insurance company degi aur 20% jo hai wo company khud bear karegi to 80% jo hai wo insurance claim hota hai aur jo 20% hota hai that is insurance access jo company owner ko khud pay karna padta hai. To ye saari cheeze thi basically insurance ke bare mein ab hum dekh lete hain ki insured cost kya hoti hai aur uninsured cost kya hoti hai. To basically jitni bhi fixed quantities hongi unki cost ko hum insure insure kar sakte hain aur jo variable quantities hain unko hum insured nahi kar sakte wo basically uninsured reh jati hai. To dekh lete hain insured cost mein fire insurance hoti hai ki company ke jitne fixed assets hain unki fire insurance ki jaati hai. Worker injury/death. Medical cost sometime company ne medical insurance karwai hoti hai to workers ke jitne ill health cases hote hain wo bhi usi insurance ke upar claim kar liye jaate hain. To uninsured cost ki taraf chalte hain. Loss of raw material due to accidents. Ab uninsured cost mein jitni bhi cheeze aayengi wo variable quantities hongi koi bhi fixed quantity isme nahi hogi to loss of raw material due to accident. Raw material kabhi zyada hota hai kabhi kam hota hai jaisa ki raw material ki shipment aayi hai to warehouse mein bahut zyada raw material ki quantity hai lekin jab nayi shipment aane wali hai to most of the raw material consume ho jata hai to ye ek variable quantity hai aur iski bhi insurance nahi hoti. To simple is that usually kya hota hai ki insured cost jo ki ek risk transfer technique hai basically fixed assets fixed quantities ki insurance hoti hai aur jo variable quantities hoti hain unki insurance nahi hoti.
[11:25]Next a jata hai employers' responsibilities. Ek simple note diya hua hai. Everybody is responsible for health and safety but most of the responsibility lies with the employer to provide safe place of work, safe plant and equipment, safe systems of work, training, supervision and competency of staff. Simply kaha gaya hai ki site ke upar health and safety ko manage karna har bande ki responsibility hai lekin zyada responsibility kiski hai employer ki because employer equipment provide kar raha hai employer machinery provide kar raha hai employer ka plant hai to wo cheezon ko acche se manage kar sakta hai acche equipment achhi machinery safe workplace provide kar sakta hai to basic responsibility managing health and safety employer ke upar aati hai.
[12:29]Next hamare paas end of section 1.1 exercise. Element 1.1 hamara khatam hota hai. Hope so you have learned something new basic concepts of health and safety especially starting of the element 1, 1.1. What are the three main reasons to manage health and safety? To basically teen main reasons kaun-kaunsi hai moral reason, legal reason aur financial reason jo ki health and safety ko manage karne ke liye hai. What should an employer provide to ensure health and safety? Safe place of____, Safe plant and____, safe____ of work, training____ and competency of____. Yahan pe hamara element 1.1 khatam hota hai. Hope so you have learned something new basic concepts of health and safety especially starting of the element 1.1. Next hum lecture four mein element one ko hi continue karenge. Element 1.2 ko dekhenge. Isme hum legal reason for managing health and safety ko dekhenge, employer's responsibilities ke bare mein dekhenge, workers' responsibilities aur rights ko dekhenge aur consequences of non-compliance yani agar health and safety ke rules and regulations ko follow nahi kiya jata to kaun-kaunse consequences bear honge ya kaun-kaunse consequences company ko face karne padenge. Hope you have learned something new from this particular video lecture three. Agar aapko video content aur baki cheeze pasand aa rahi hai to comment karna hai aapne channel ko subscribe karna hai. Stay tuned for upcoming video thank you very much.
