That's actually not true. Common misconception. Any injury that occurs during your employment would be covered as OJI.
Still doesn't account for making fun of this guy. He MAY be a tool, but based on this video, he is just enthusiastic and getting the job done. I have flown with quite a few that could learn from that video. Personal attacks reflect more on the sender than the receiver.
BFD. Wow they cover your medical bills for OJI but what about earnings? Not a chance. Even most disability for pilots is basically bending over without lube. I've been screwed over with an OJI within my job description and its a cluster. My attorney advisers that you should never do anything outside your job description because it WILL eventually bite you in the ass.