You can claim in a GPA policy against accidental death, permanent and partial disability, temporary disability, and accidental medical expenses depending on the coverage in your policy. However, there are chances that your accidental claim, though legitimate, is rejected by the insurer. Below is the list of policy exclusions or the reasons why your claim is likely to receive rejection in GPA (the list of exclusions varies from insurer to insurer and hence you need to refer to your policy document for a complete list of exclusions) :
- Any pre-existing illness or injury
- Self-inflicted injury/ Suicide attempt
- Accidents due to intoxication/alcohol or drug abuse
- Participation in dangerous sports
- Injuries as a result of criminal or disorderly behavior
- War or civil unrest
- Personnel on duty with military, police, or paramilitary organizations until explicitly specified in the policy
- Snakebite and Animal-bite until explicitly specified in the policy
So, any of the above reasons could lead to the rejection of a claim in GPA.
Thus, it is important to read coverage, exclusions, add-on cover, and terms of personal accident policy while buying a policy. Low-cost premiums should not be the criteria to choose an accidental policy. You need to check the risk coverage and sub-limits associated with a policy as well.
Written By-
Gunjan Saxena
MBA Insurance Management
With a robust background in the insurance industry, Gunjan is a seasoned professional who brings 10 years of expertise to group personal accident insurance. Throughout her career, she has demonstrated a deep understanding of the intricacies and nuances of insurance products, particularly in personal accident coverage. Having worked closely with both individuals and businesses, she has gained valuable insights into the diverse needs and challenges faced by clients seeking insurance protection. Her experience encompasses designing tailored insurance solutions, providing expert advice, and guiding clients through the insurance process with confidence and clarity.
Through her articles, Gunjan aims to educate and inform readers about the importance of group personal accident insurance and the benefits it offers in safeguarding against unforeseen events.
