Group Personal Accident Insurance -Check Policy Coverage for Employees
BEST GROUP INSURANCE SCHEME FOR EMPLOYEES

Group Personal Accident

Provide mediclaim benefit to your employees, their spouse, kids, and parents from top insurance companies

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Group Personal Accident Insurance
BEST GROUP INSURANCE SCHEME FOR EMPLOYEES

Group Personal Accident Insurance

Provide mediclaim benefit to your employees, their spouse, kids, and parents from top insurance companies

Compare quotes in 2 steps

Customise benefits based on your budget.

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Dashboard

A dashboard for you to view and manage your policies

Reimbursement Via App

Register, submit and track your reimbursement claims.

Centralised Support

Connect with single contact for all support queries

Cashless Via App

Electronic mediclaim cards and insurance reminders

Endorsement Ledger

Real time estimate of CD balance is available

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Quick Guide to Group Personal Accident Insurance

Definition of Group Personal Accident Insurance


As the name suggests, a group personal accident insurance policy can be created by an employer to safeguard their employees’ financial condition by creating a coverage for death or permanent disablement due to accidental injury. A group accident policy taken by an organization can cover its employees, supplier, customers, as well as board or owner(s) of the company.

Key Features of Group Personal Accident Insurance Policy


The key features of a GPA policy are:

  • The group to be covered under a GPA policy can be formed by an organization, a travel company, banks or any other service providers
  • Group personal accident insurance covers for all expenses associated with an accidental injury
  • 100% of sum assured is paid to the nominee in case of accidental death of the insured
  • 100% of sum assured is paid in case of total permanent disability
  • 2 to 100% of sum assured is paid in case of partial disablement depending upon the vitality of the part that is disabled
  • Broken bones due to accidents can also be covered
  • Benefits of Group Personal Accident Insurance Policy


  • Comprehensive coverage: Group personal accident cover assures a comprehensive coverage for all expenses pertaining to an accident.
  • Coverage for death due to accident: Insurance companies pay for 100% of the sum assured to the nominee in case of unfortunate death of the insured due to accidental injury.
  • Permanent disability cover: Compensation is awarded for full or partial disablement due to an accident.
  • Medical expenses: Expenses incurred due to accidental injury could be covered both for OPD and hospitalization.
  • Ambulance cost: In case of hospitalization, the insurance companies pay for the ambulance cost of the insured.
  • Transport of mortal remains: In case the insured meets with an unfortunate death due to an accident in a different location, insurance companies offer to help in transportation of the dead body to the place of residence.
  • Educational grant allowance: The group personal accident insurance also supports educational expenses for up to 2 dependent children based on the coverage plan.
  • Necessity of Group Personal Accident Insurance Policy


  • Group personal accident insurance cover understands the importance of an employee’s presence for his/her organization and hence, provides protection against several types of unfortunate events
  • A GPA cover aims at quick claim settlements in case of death, partial/permanent disablement or any other medical expenses incurred due to accidental injury, so that expenses do not become a burden for the beneficiaries
  • An organization that takes a group personal accident insurance policy for its employees, also builds a good reputation. Employees feel secured and that always increases productivity and loyalty for their organization
  • Coverages under Group Personal Accident Insurance


  • Accidental death covers
  • Coverage for loss of limb or decapitation of any body part
  • Partial or permanent disability cover
  • Transportation and ambulance cover for accidental injury
  • It’s possible to get a worldwide coverage for accidental injuries
  • Some group personal accidents also provide optional cover to fund the education for up to two dependent children per insured
  • The coverage is applicable 24X7 irrespective of the place of accident of the employee
  • Claim process for a Group Personal Accident Insurance


    In case of an accident, under the group personal accident insurance policy, the employer and the insurance company have to be informed about the incident and a procedure for filing a claim has to be followed.


    Disability or Injury Claim

  • Duly filed claim form
  • Health check-up reports and original bills provided by the medical practitioner
  • Disability certificate from government or the hospital
  • Leave certificate from employer
  • Police report if required
  • Death Claim

  • Duly filled claim form with proper information about the deceased and the beneficiary
  • Death certificate of the insured
  • Post-Mortem report
  • Police report
  • Employment Letter and salary slips from HR/organization
  • Photo ID of the beneficiary
  • Frequently Asked Questions

    Initially, group personal accident insurance cover was not extended towards family members of the employee. However, some of the group personal accident insurances now have provisions for covering the spouses of the insured as well as dependent children.
    A group personal accident insurance policy provides coverage for partial or permanent disablement and death due to accidental injuries. Injuries that are self-induced, cosmetic or related to political and social commotion cannot be included under a GPA policy.
    Accidents that are sudden and unintended will be covered under a group personal accident policy. Death or disability due to a plane crash is not in the control of the insured and hence, will be covered as part of the insurance scheme.