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.

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.

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.

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.

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.

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.

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.

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.

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.

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.