Group Personal Accident Insurance
Aarrohi connects businesses in Malaysia to reliable group personal insurance plans designed to protect employees from unexpected accidents and injuries.
VIEW OUR OFFER
- Group Personal Insurance Products
What Do We Offer
Protect your business, assets, and financial well-being with our wide range of insurance solutions designed to safeguard you from unexpected events. Our offerings include:
Medical Expenses
Covers medical costs incurred due to accidental injuries, including hospitalisation, treatment, and rehabilitation.
Hospital Cash & Income Protection
Provides daily compensation for hospitalisation due to an unexpected accident, helping employees manage their financial needs during recovery.
Ambulance and Emergency Assistance
Covers transportation costs for emergency medical attention.
Funeral and repatriation expenses
Provides financial support for funeral costs and repatriation in case of accidental death.
Fractured Bones and Burn Coverage
Compensation for injuries such as fractures or burns sustained due to an accident.
Dengue Recuperation and Infectious Disease Benefits
Offers financial aid for recovery in case of hospitalisation due to dengue or other covered diseases.
Public Conveyance & Travel Accident Coverage
Additional indemnity for accidents occurring while using public transport.
Corporate Events Coverage
Extends protection to employees and their family members during company-organised events.
Legal Liability and Trauma Counseling
Covers legal expenses arising from accidental incidents and provides support for mental health recovery after traumatic events.
- FAQ
Frequently Asked Questions
What is Group Personal Insurance?
Group Personal Accident (GPA) Insurance provides financial protection for employees in case of accidental death, disability, or injuries. It helps employers support their workforce by covering medical expenses and offering compensation for lost income due to accidents.
Who can be covered under a Group Personal policy?
Typically, full-time employees of a company can be covered. Some policies also allow coverage for part-time staff, contract workers, or even dependents, depending on the terms agreed upon.
What does Group Personal Insurance cover?
Coverage generally includes accidental death, permanent disability, and medical expenses due to accidents. Many policies also offer additional benefits like funeral expenses, hospital income, and coverage for injuries sustained during company events.
Is Group Personal Insurance the same as Workmen’s Compensation Insurance?
No, they are different. Workmen’s Compensation Insurance is legally required and covers work-related injuries or illnesses. Group Personal Accident Insurance is voluntary and provides broader coverage, including accidents that happen outside of work.
Can employees claim GPI benefits if the accident happens outside working hours?
Yes, GPA insurance covers employees 24/7, whether the accident occurs at work, at home, or during personal activities. However, some policies may exclude high-risk activities like extreme sports.
What are the benefits for employers in providing GPI?
It helps employers fulfil their duty of care by protecting employees against financial hardship due to accidents. It can also enhance employee satisfaction, retention, and productivity by offering security and peace of mind.
How are premiums calculated for a Group Personal policy?
Yes, many policies offer coverage for equipment, furniturea
Premiums depend on factors like the number of employees covered, their job nature (risk classification), coverage limits, and optional benefits. Occupations with higher risk, such as construction workers, may have higher premiums compared to office workers.
, and other valuable assets essential to your business.
Does GPA insurance cover illnesses or only accidents?
GPA policies generally cover only accidents. However, some insurers offer extensions for specific illnesses like dengue fever, food poisoning, or hospitalisation due to infectious diseases.
Can employers customise the coverage based on employee roles?
Yes, most insurers offer flexible plans where employers can choose different coverage levels based on job categories. Higher-risk jobs may have more comprehensive coverage, while lower-risk roles might have standard benefits.
How does an employee make a claim under the policy?
Employees or their beneficiaries must notify the employer and insurer, submit a claim form along with supporting documents (such as a medical report, police report, or hospital bills), and wait for the insurer’s assessment and payout.