Introduction
When an accident suddenly stops someone working, the immediate worry for the family is income: how bills, loans and school fees get paid if the earner dies or cannot work. For an employer, however, the question is how to support its people when that happens. Group Personal Accident Insurance is therefore one of the ways organisations answer that question. This guide explains what a Group Accidental Insurance Policy is, who the policy can cover, which benefits may be available, how organisations set the sum insured, and how GPA fits alongside group term life, group health insurance and workers’ compensation.
What Is Group Personal Accident Insurance?
Group Personal Accident (GPA) Insurance is accident cover that an employer or other organisation arranges for a defined group of eligible people, such as its employees. A Group Accidental Insurance Policy may pay specified benefits when an insured person suffers a covered accident that results in death or disability. For example, benefits can include accidental death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD) and Temporary Total Disability (TTD). In addition, the sum insured may be a flat amount or a salary multiple, where the insurer offers it. However, actual cover depends on eligibility, exclusions, limits and the policy wording.
What Is a Group Accidental Insurance Policy?
A Group Accidental Insurance Policy – usually called Group Personal Accident (GPA) Insurance – is a single policy that covers a defined group of eligible people against specified outcomes of accidental bodily injury, such as death or disability. Generally, the eligible group is an organisation’s employees.
In short, the name explains the product:
- Group – one policy covers a defined group of eligible people, rather than each person buying their own.
- Personal accident – the cover relates to specified outcomes that result specifically from accidental bodily injury. Illness is generally outside its scope.
- Insurance policy – a contract that sets out who is insured, which benefits apply, the amounts payable, as well as the conditions and exclusions.
GPA is, above all, a benefit policy. It pays a specified amount, or a percentage of it, when a covered outcome occurs. However, it does not reimburse every cost an accident causes, and it does not cover every accident, injury or illness. Instead, the benefit schedule and policy wording decide what the insurer pays.
For example, a logistics company arranges a GPA policy for its 200 eligible employees, each with a specified sum insured. Later, a warehouse supervisor suffers a serious injury in a road accident and permanently loses the use of one hand. If the injury meets the policy’s definition of a covered permanent partial disability, the policy may then pay the percentage of the sum insured that its disability table assigns to that loss. The company’s HR team then helps the employee submit the claim; the insurer assesses it against the policy wording.
How Does Group Personal Accident Insurance Work?
First, the organisation buys one policy, declares its eligible members, and pays the premium; the insurer then pays specified benefits to insured persons, or their nominees, when a covered accident causes an insured outcome.
In practice:
- The organisation defines the eligible group – for example, all permanent employees.
- It then chooses the benefits and sum insured – which benefits apply and how much each person is covered for.
- The insurer underwrites the group – considering factors such as occupation, group size and benefit levels.
- The organisation then adds and removes members during the year, as the policy allows.
- If a covered accident happens, the organisation notifies and documents the claim as the policy requires.
- The insurer assesses the claim against the definitions, exclusions, and benefit schedule, and pays when the policy covers the claim.
Also, whether cover applies only at work or around the clock, and in India only or worldwide, varies by policy. Check the policy schedule rather than assuming either way.
Group Personal Accident Insurance vs Individual Personal Accident Insurance
An organisation buys a group policy for a defined group, whereas a person buys an individual policy for themselves and, where offered, their family. As a result, the two serve different purposes, and neither automatically replaces the other.
Key Differences Between Group and Individual Cover
- Who buys it. Generally, an employer or sponsoring organisation buys GPA. By contrast, an individual buys individual personal accident (PA) cover.
- Who is insured. GPA covers eligible members of the group, whereas individual PA covers the person and any family members included.
- GPA membership follows the group’s definition, such as employment. By contrast, individual PA depends on the person’s own proposal.
- Sum insured. The organisation sets GPA amounts, often by grade or salary. By contrast, the person chooses individual cover, subject to underwriting.
- The organisation usually pays the GPA premium for the whole group. By contrast, the person pays the individual PA premium.
- Changes in membership. The organisation adds new joiners and removes leavers under the group policy, as its terms allow. Individual cover continues while the person keeps paying.
- Leaving the group. GPA cover usually ends when the person leaves the group, subject to the policy terms. Individual cover, however, does not depend on employment.
An employee’s GPA cover may be modest, and it also typically ends on leaving the job. Some people therefore also buy individual personal accident insurance for continuous or higher cover.
Group vs Individual Cover at a Glance
| Feature | Group Personal Accident Insurance | Individual Personal Accident Insurance |
|---|---|---|
| Policyholder | Employer or sponsoring organisation | The individual |
| Insured persons | Eligible members of the defined group | The individual and, where offered, family members |
| Eligibility | Set by the group definition, such as employment | Based on the individual’s proposal and underwriting |
| Sum insured | Chosen by the organisation; may be flat or salary-linked | Chosen by the individual, subject to underwriting |
| Premium structure | Usually paid by the organisation for the group | Paid by the individual |
| Policy administration | Managed centrally by the organisation | Managed by the individual |
| Benefit structure | Same schedule for the group or by category | Chosen by the individual from available options |
| Membership changes | Joiners and leavers added or removed as the policy allows | Not applicable, because cover follows the individual |
| Main consideration | Cover usually ends when the person leaves the group | Continuity, but the individual bears the cost |
Who Can Be Covered Under Group Personal Accident Insurance?
Generally, eligibility depends on the insurer, the definition of the group, underwriting, and the policy wording. The group should exist for a purpose other than buying insurance, and the insurer usually identifies members from the sponsor’s records.
Employees
Employers commonly arrange GPA for employees, especially as part of an employee-benefits programme. Depending on the policy, cover may also extend to:
- Permanent employees
- Other categories, such as contractual or probationary staff, where the insurer accepts them
- Part-time employees, when permitted
- Different grades, also with different sums insured for each
However, not every employee category is automatically eligible. Instead, the policy defines who qualifies. Keep employee records accurate and up to date, because cover and claims depend on them.
Members of Associations and Organisations
A group arrangement may also cover members of certain associations, institutions or organisations, where the insurer accepts the group and the policy permits it. Generally, the sponsoring body acts as the policyholder.
Borrowers
Similarly, some lending institutions arrange personal accident cover for eligible borrowers, linked to a loan or credit product. However, the product, group arrangement and policy terms decide who gets cover and for how much. Also, not every loan includes accident insurance.
Other Eligible Groups
Insurers can also arrange group accident cover for other defined groups that they accept – for example, customers of a tour operator travelling under a group arrangement. Therefore, eligibility and benefits depend entirely on the specific arrangement and wording.
| Group category | Possible policyholder or sponsor | Eligibility considerations |
|---|---|---|
| Employees | Employer | Employment status and policy-defined eligibility |
| Association members | Association or eligible sponsoring entity | Membership and group eligibility |
| Borrowers | Lending institution or relevant sponsor | Loan-linked arrangement and policy conditions |
| Other eligible groups | Depends on the arrangement | Insurer acceptance and policy wording |
Finally, always confirm eligibility in the actual policy documents.
What Benefits Are Available Under Group Personal Accident Insurance?
Overall, a GPA policy may provide benefits for accidental death and for permanent or temporary disability caused by a covered accident. However, the benefits included, and how the insurer defines and pays each one, depend on the policy chosen. For a fuller overview, see what is covered under Group Personal Accident Insurance.
Accidental Death Benefit
A specified benefit, usually the sum insured, may be payable when an insured person dies as a result of a covered accident and the policy’s conditions are met. Check:
- The definition of accidental death – including any time limit between the accident and death
- The benefit amount – usually a percentage of the sum insured
- Who receives it – typically the nominee or legal heirs, as the policy provides
- Exclusions and conditions – which can affect eligibility for payment
Permanent Total Disability (PTD)
PTD generally refers to a permanent disability that meets the policy’s definition of total disability – for example, a specified loss of limbs or sight, or permanent inability to work, depending on the wording. The benefit is often a percentage of the sum insured, which the insurer then pays as a lump sum. Also, check the definition, any assessment or waiting period before the insurer treats disability as permanent, and the payment percentage in the benefit schedule.
Permanent Partial Disability (PPD)
PPD generally refers to a permanent disability that is partial rather than total, as the policy defines it – such as the permanent loss of a finger or of hearing in one ear. Specifically, many policies pay a percentage of the sum insured according to a disability table. So check the table and its percentages in the policy, because they vary by insurer and wording.
Temporary Total Disability (TTD)
TTD generally refers to a temporary disability that stops an insured person from performing their work or duties for a period, as the policy defines it. Where offered, insurers commonly pay the benefit weekly, up to a maximum number of weeks. However, not all GPA policies include TTD. Also, check the eligibility, any waiting period, the weekly amount and the maximum duration.
Additionally, SecureNow explains each disability class in detail in types of disabilities covered under a GPA plan – PTD, PPD and TTD. Many policies also offer add-on benefits, such as medical expenses or education allowances; see additional benefits available in GPA insurance.
| Benefit type | What it generally addresses | Important policy details to check |
|---|---|---|
| Accidental Death | Death resulting from a covered accident | Definition, sum insured, exclusions and beneficiary provisions |
| Permanent Total Disability (PTD) | Permanent disability meeting the policy’s definition of total disability | Definition, assessment requirements and benefit amount |
| Permanent Partial Disability (PPD) | Permanent disability that meets the policy’s definition of partial disability | Disability table and applicable benefit percentage |
| Temporary Total Disability (TTD) | Temporary disability meeting the policy’s requirements | Eligibility, waiting period, benefit amount and duration |
These are conceptual descriptions, so always confirm the exact definitions and payment conditions in the policy.
How Is the Sum Insured Determined Under a Group Personal Accident Policy?
The sum insured is the base amount that insurers use to calculate GPA benefits. The organisation chooses it, though subject to the insurer’s acceptance. Generally, there are two common approaches.
Flat Sum Insured
In other words, every eligible member, or every member in a category, has the same base sum insured.
Advantages:
- Simple to administer
- Easy to explain to employees
- A consistent benefit across the group
Limitations:
- It may not reflect differences in salary or responsibility, especially in varied workforces
- It also may not fit every benefits strategy
- Finally, the right amount depends on the organisation’s needs and the policy terms available
Salary-Multiple Approach
Here, the organisation links the sum insured to a multiple of each person’s salary, where the insurer offers and accepts this structure. Decide:
- Which salary definition applies – such as basic pay, gross salary or cost to company
- The multiple – which can differ by grade
- How the policy reflects salary changes during the year
- How you maintain records – the insurer will rely on them at claim time
- Whether a cap applies – insurers may set a maximum sum insured per person
In short, there is no universal “right” multiple; it depends on the organisation’s objectives, budget and the insurer’s terms.
| Feature | Flat sum insured | Salary-multiple approach |
|---|---|---|
| Basis | Same fixed amount per person or category | Multiple of each person’s defined salary |
| Administration | Simpler | Needs salary data and regular updates |
| Employee differentiation | Little or none | Reflects earnings and seniority |
| Suitability considerations | Uniform workforces; simple benefit design | Varied salaries; income-replacement focus |
| Information required | Headcount and categories | Headcount plus salary for each member |
| Main limitation | May under-protect higher earners | May leave lower earners with small benefits; caps may apply |
Illustrative example – hypothetical figures, not a market standard or an insurer’s offer. For example, a company considers two designs. Under a flat structure, every employee simply has a sum insured of ₹10 lakh. Under a salary-multiple structure of three times annual salary, an employee earning ₹4 lakh a year has ₹12 lakh, while a manager earning ₹15 lakh has ₹45 lakh, unless a cap applies. The flat design is simpler, while the salary design tracks income more closely.
What Is Not Covered Under Group Personal Accident Insurance?
Exclusions vary by policy, so read them closely. The categories below commonly appear in some form, but not every policy excludes every one, and the policy wording and applicable law decide the result.
- Illness, unless it results from a covered accident
- Specified excluded events listed in the policy
- Pre-existing conditions or disabilities, when relevant to the wording
- Intentional self-injury or suicide, subject to the policy and applicable law
- Intoxication or substance use, when the policy excludes it
- Hazardous activities specified by the policy, such as certain adventure sports
- War, terrorism or similar events, when excluded
- Criminal acts by the insured, when excluded
- Injuries outside the policy’s definitions or conditions
- Claims that don’t meet reporting or documentation requirements
Therefore, read the exclusions together with the benefit schedule. For how claims are handled, see how a claim is processed under a GPA policy.
How Does GPA Differ From GTL, GHI and Workers’ Compensation?
These covers address different risks, so employers should not treat them as interchangeable.
GPA vs Group Term Life (GTL)
Group Term Life generally pays a sum assured if an insured member dies during the policy period, whatever the cause, subject to its terms and exclusions. By contrast, GPA focuses on specified outcomes of accidental bodily injury. Death from illness is generally within GTL’s scope but outside GPA’s. GPA, on the other hand, can pay disability benefits that GTL typically does not, depending on each policy.
GPA vs Group Health Insurance (GHI)
Group Health Insurance generally reimburses or pays eligible hospitalisation and medical expenses for illness as well as accidents. GPA, however, pays specified benefits for covered accidental death or disability. Some GPA policies include limited accident-related medical expenses, but GPA is not a replacement for health insurance.
GPA vs Workers’ Compensation (WC)
Employee’s compensation concerns an employer’s legal liability to compensate employees for employment injury. In India, the Employee’s Compensation Act, 1923 has been replaced by Chapter VII of the Code on Social Security, 2020, which came largely into force on 21 November 2025. Specifically, it makes an employer liable to pay compensation for personal injury from an accident, or certain occupational diseases, arising out of and in the course of employment, subject to its provisions. Establishments covered by ESI generally handle employment injury through the ESI scheme instead. Workmen compensation insurance therefore exists to cover that employer liability.
However, GPA is a separate benefit policy with its own benefit structure and terms. As a result, it does not automatically satisfy an employer’s statutory compensation obligations. Employers should take advice on their own obligations rather than relying on GPA to meet them.
GPA vs GTL vs GHI vs WC at a Glance
| Feature | GPA insurance | Group Term Life (GTL) | Group Health Insurance (GHI) | Workers’ Compensation (WC) |
|---|---|---|---|---|
| Primary purpose | Specified benefits for accidental death or disability | Life cover for members | Medical and hospitalisation expenses | Cover for employer’s legal liability for employment injury |
| Main event or risk addressed | Covered accidents | Death during the policy period | Illness or injury needing treatment | Injury or specified disease arising out of and in the course of employment |
| Accidental death | Covered, subject to terms | Generally covered, subject to terms | Not the purpose | Compensation when the law makes the employer liable |
| Disability benefits | PTD, PPD and, where offered, TTD | Generally not, unless added as a rider | Not the purpose | Compensation as the law provides |
| Medical/hospitalisation expenses | Limited, when included | No | Yes, subject to terms | The policy may include medical expenses |
| Illness-related life cover | No | Yes, subject to terms | No | No (except specified occupational diseases) |
| Employment injury obligations | Not a substitute | Not a substitute | Not a substitute | Designed to cover the employer’s liability |
| Benefit/payment structure | Fixed benefit or percentage of sum insured | Sum assured | Reimbursement or cashless, up to sum insured | Compensation as determined under the law |
| Key policy or legal consideration | Definitions, disability table and exclusions | Sum assured and exclusions | Sum insured, sublimits and waiting periods | Code on Social Security, 2020 and ESI coverage |
Because of this, many employers use these covers together as part of a wider employee-benefits and risk-management programme.
Example: How Group Personal Accident Insurance May Work
Illustrative example – it does not describe a real claim, insurer, price or outcome.
For instance, a software services company arranges GPA for its employees, with a sum insured of three times annual salary and benefits for accidental death, PTD, PPD and TTD. Then, three things happen during the year:
- Temporary disability. First, an analyst fractures a leg in a road accident and cannot work for eight weeks. If TTD is included and the claim meets its conditions, the policy may pay the weekly benefit for the covered period, up to its maximum.
- Permanent partial disability. Later, a field engineer permanently loses the use of a thumb after an accident. As a result, the policy may pay the percentage of the sum insured that its disability table assigns to that loss.
- Accidental death. Lastly, an employee dies in a covered accident. If the conditions are met, the insurer may pay the accidental death benefit to the nominee.
In each case, HR notifies the insurer and helps submit the documents the policy requires, such as medical records, police reports where relevant, and disability certificates. Finally, the insurer assesses each claim against the wording.
What Should Employers Check Before Choosing a GPA Policy?
| Area | What to check |
|---|---|
| Eligible group | Who qualifies under the group definition |
| Employee or member categories | Whether the policy includes contract, part-time, or other staff |
| Sum insured | Amount per person or category |
| Flat amount vs salary multiple | Which structure, salary definition, and any cap |
| Accidental death benefit | Percentage of sum insured and definition |
| PTD benefit | Definition, assessment period, and percentage |
| PPD benefit | Disability table and percentages |
| TTD benefit | Whether offered, as well as weekly amount, waiting period and maximum weeks |
| Benefit schedule | All benefits and add-ons, with their limits |
| Disability definitions | How the policy defines total, partial, and temporary disability |
| Exclusions | Activities, conditions and events not covered |
| Territory and hours | On-duty only or 24 hours; India only or worldwide |
| Claim documentation | Documents required for each claim type |
| Claim notification | How and when to report claims |
| Limits and sublimits | Caps on medical expenses and add-ons, when applicable |
| Joiners and leavers | How the organisation adds and removes members during the year |
| Premium and taxes | Total cost, including GST |
| Policy period | Start and end dates, as well as renewal |
| Policy wording | Full wording, rather than just the quotation |
| Existing covers | How GPA fits with your GTL, GHI and WC arrangements |
However, not every policy offers every benefit listed here.
GPA Benefit Comparison Table
| Benefit type | What it generally addresses | How it is commonly paid | Important policy details to check |
|---|---|---|---|
| Accidental Death | Death resulting from a covered accident | Lump sum, often the full sum insured | Definition, time limit after accident, exclusions, nominee provisions |
| Permanent Total Disability (PTD) | Permanent disability meeting the policy’s definition of total disability | Lump sum, a percentage of the sum insured | Definition, assessment period, benefit percentage |
| Permanent Partial Disability (PPD) | Permanent partial loss as defined by the policy | Lump sum, a percentage set by the disability table | Disability table and percentages |
| Temporary Total Disability (TTD) | Temporary inability to work | Weekly benefit, up to a maximum number of weeks, when offered | Waiting period, weekly amount, maximum duration |
Group vs Individual PA Comparison Table
| Feature | Group Personal Accident Insurance | Individual Personal Accident Insurance |
|---|---|---|
| Policyholder | Employer or sponsoring organisation | The individual |
| Insured persons | Eligible members of the defined group | The individual and, where offered, family members |
| Eligibility | Set by the group definition | Based on the individual’s proposal |
| Sum insured | Chosen by the organisation; flat or salary-linked | Chosen by the individual |
| Premium structure | Usually paid by the organisation | Paid by the individual |
| Policy administration | Managed centrally | Managed by the individual |
| Benefit structure | Same schedule for the group or category | Chosen from available options |
| Membership changes | Joiners and leavers added or removed | Not applicable |
| Main consideration | Cover usually ends when the person leaves the group | Continuity at the individual’s cost |
GPA vs GTL vs GHI vs WC Comparison Table
| Feature | GPA insurance | Group Term Life (GTL) | Group Health Insurance (GHI) | Workers’ Compensation (WC) |
|---|---|---|---|---|
| Primary purpose | Specified benefits for accidental death or disability | Life cover for members | Medical and hospitalisation expenses | Cover for employer’s legal liability for employment injury |
| Main event or risk addressed | Covered accidents | Death during the policy period | Illness or injury needing treatment | Injury or specified disease arising out of and in the course of employment |
| Accidental death | Covered, subject to terms | Generally covered, subject to terms | Not the purpose | Compensation when the law makes the employer liable |
| Disability benefits | PTD, PPD and, where offered, TTD | Generally not, unless added as a rider | Not the purpose | Compensation as the law provides |
| Medical/hospitalisation expenses | Limited, when included | No | Yes, subject to terms | The policy may include medical expenses |
| Illness-related life cover | No | Yes, subject to terms | No | No (except specified occupational diseases) |
| Employment injury obligations | Not a substitute | Not a substitute | Not a substitute | Designed to cover the employer’s liability |
| Benefit/payment structure | Fixed benefit or percentage of sum insured | Sum assured | Reimbursement or cashless, up to sum insured | Compensation as determined under the law |
| Key policy or legal consideration | Definitions, disability table, exclusions | Sum assured, exclusions | Sum insured, sublimits, waiting periods | Code on Social Security, 2020 and ESI coverage |
Employer Buying Checklist
| # | Item | Done |
|---|---|---|
| 1 | Eligible group defined | ☐ |
| 2 | Employee or member categories confirmed (permanent, contract, part-time) | ☐ |
| 3 | Sum insured decided | ☐ |
| 4 | Flat amount or salary multiple chosen; salary definition and cap confirmed | ☐ |
| 5 | Accidental death benefit and definition reviewed | ☐ |
| 6 | PTD definition, assessment period and percentage reviewed | ☐ |
| 7 | PPD disability table reviewed | ☐ |
| 8 | TTD offered? Weekly amount, waiting period and maximum weeks reviewed | ☐ |
| 9 | Full benefit schedule and add-ons reviewed | ☐ |
| 10 | Disability definitions understood | ☐ |
| 11 | Exclusions reviewed | ☐ |
| 12 | Territory and hours of cover confirmed | ☐ |
| 13 | Claim documents and notification rules noted | ☐ |
| 14 | Limits and sublimits checked | ☐ |
| 15 | Process for joiners and leavers agreed | ☐ |
| 16 | Premium and GST confirmed | ☐ |
| 17 | Policy period and renewal date recorded | ☐ |
| 18 | Full policy wording received | ☐ |
| 19 | Fit with existing GTL, GHI and WC cover reviewed | ☐ |
Conclusion
Overall, Group Personal Accident Insurance gives an organisation one policy to protect its people against the financial impact of accidental death and disability. However, the value lies in the details: who is eligible, which benefits apply, how the sum insured is set, and what the exclusions say.
Above all, treat GPA as one part of the benefits package, alongside group term life, group health, and employee’s compensation cover – each addresses a different risk. Finally, to compare plans, visit SecureNow’s Group Personal Accident Insurance page.
This article is general information. Ultimately, coverage depends on the specific policy wording. Insurance is the subject matter of solicitation.
Frequently Asked Questions
Q) What is a Group Accidental Insurance Policy?
A) A Group Accidental Insurance Policy, also called Group Personal Accident Insurance, is one policy that covers a defined group, usually employees, for specified outcomes of accidental bodily injury, such as accidental death and disability.
Q) What is Group Personal Accident Insurance?
A) In short, Group Personal Accident Insurance is accident cover an organisation arranges for eligible members. Specifically, it may pay specified benefits for covered accidental death, permanent disability and temporary disability, subject to the policy wording and benefit schedule.
Q) How is group personal accident insurance different from individual personal accident insurance?
A) Generally, an organisation buys group cover for its eligible members and usually pays the premium. By contrast, an individual buys individual cover for themselves. Group cover usually ends when the person leaves the group; individual cover continues while premiums are paid.
Q) Who can be covered under GPA Insurance?
A) Commonly employees, but depending on the insurer, also members of associations, borrowers under lender arrangements, or other defined groups. However, eligibility depends on the group definition, underwriting and the policy wording.
Q) What benefits are available under a GPA policy?
A) Benefits may include accidental death, Permanent Total Disability, Permanent Partial Disability and Temporary Total Disability, as well as optional add-ons. However, the benefits included depend on the policy chosen.
Q) What is the difference between PTD, PPD and TTD?
A) In short, PTD is permanent total disability, PPD is permanent partial disability, and TTD is temporary total disability that stops a person working for a period. The policy defines each one, and PPD usually pays a percentage of the sum insured from a disability table.
Q) How is the sum insured determined under GPA Insurance?
A) The organisation chooses it, though subject to the insurer’s acceptance. Generally, it is a flat amount for everyone or each category, or a multiple of each member’s salary.
Q) Can an employer choose a flat sum insured for all employees?
A) Yes, when the insurer offers it. A flat sum insured is simple to administer and explain, but it may not reflect differences in salary or seniority.
Q) Can the GPA sum insured be linked to salary?
A) Yes, when the insurer offers and accepts it. The employer then chooses the salary definition and multiple, keeps salary records current, and checks whether a maximum per person applies.
Q) What is the difference between GPA and Group Term Life Insurance?
A) Group Term Life generally pays on death from any cause during the policy period, subject to its terms. GPA covers only specified outcomes of accidents, but may also pay disability benefits that GTL typically does not.
Q) Is GPA Insurance the same as Group Health Insurance?
A) No. Group Health Insurance pays eligible medical and hospitalisation expenses for illness as well as injury. By contrast, GPA pays specified benefits for accidental death or disability. In other words, GPA is not a substitute for health insurance.
Q) Does GPA Insurance replace Workers’ Compensation?
A) No. Employees’ compensation is an employer’s legal liability for employment injury, now governed by the Code on Social Security, 2020. However, GPA is a separate benefit policy and does not automatically satisfy that liability.
