{"id":37212,"date":"2026-11-04T11:41:54","date_gmt":"2026-11-04T11:41:54","guid":{"rendered":"https:\/\/securenow.in\/insuropedia\/?p=37212"},"modified":"2026-11-04T11:41:54","modified_gmt":"2026-11-04T11:41:54","slug":"what-is-group-personal-accident-insurance-the-complete-guide","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/what-is-group-personal-accident-insurance-the-complete-guide\/","title":{"rendered":"What is Group Personal Accident Insurance-The Complete Guide"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><h2>Introduction<\/h2>\n<p>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.\u00a0Group 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\u2019 compensation.<\/p>\n<h2>What Is Group Personal Accident Insurance?<\/h2>\n<div style=\"background: #f6f8fa; border-left: 5px solid #2f5496; padding: 16px 20px; margin: 20px 0; border-radius: 4px; font-size: 16px; line-height: 1.6;\">\n<p style=\"margin: 0;\">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.<\/p>\n<\/div>\n<h2>What Is a Group Accidental Insurance Policy?<\/h2>\n<p>A Group Accidental Insurance Policy &#8211; usually called Group Personal Accident (GPA) Insurance &#8211; 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\u2019s employees.<\/p>\n<p>In short, the name explains the product:<\/p>\n<ul>\n<li><strong>Group<\/strong> &#8211; one policy covers a defined group of eligible people, rather than each person buying their own.<\/li>\n<li><strong>Personal accident<\/strong> &#8211; the cover relates to specified outcomes that result specifically from accidental bodily injury. Illness is generally outside its scope.<\/li>\n<li><strong>Insurance policy<\/strong> &#8211; a contract that sets out who is insured, which benefits apply, the amounts payable, as well as the conditions and exclusions.<\/li>\n<\/ul>\n<p>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.<\/p>\n<p><strong>For example,<\/strong> 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\u2019s 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\u2019s HR team then helps the employee submit the claim; the insurer assesses it against the policy wording.<\/p>\n<h2>How Does Group Personal Accident Insurance Work?<\/h2>\n<p>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.<\/p>\n<p>In practice:<\/p>\n<ol>\n<li><strong>The organisation defines the eligible group<\/strong> &#8211; for example, all permanent employees.<\/li>\n<li><strong>It then chooses the benefits and sum insured<\/strong> &#8211; which benefits apply and how much each person is covered for.<\/li>\n<li><strong>The insurer underwrites the group<\/strong> &#8211; considering factors such as occupation, group size and benefit levels.<\/li>\n<li><strong>The organisation then adds and removes members<\/strong> during the year, as the policy allows.<\/li>\n<li><strong>If a covered accident happens,<\/strong> the organisation notifies and documents the claim as the policy requires.<\/li>\n<li><strong>The insurer assesses the claim<\/strong> against the definitions, exclusions, and benefit schedule, and pays when the policy covers the claim.<\/li>\n<\/ol>\n<p>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.<\/p>\n<h2>Group Personal Accident Insurance vs Individual Personal Accident Insurance<\/h2>\n<p>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.<\/p>\n<h3>Key Differences Between Group and Individual Cover<\/h3>\n<ul>\n<li><strong>Who buys it.<\/strong> Generally, an employer or sponsoring organisation buys GPA. By contrast, an individual buys individual personal accident (PA) cover.<\/li>\n<li><strong>Who is insured.<\/strong> GPA covers eligible members of the group, whereas individual PA covers the person and any family members included.<\/li>\n<li>GPA membership follows the group\u2019s definition, such as employment. By contrast, individual PA depends on the person\u2019s own proposal.<\/li>\n<li><strong>Sum insured.<\/strong> The organisation sets GPA amounts, often by grade or salary. By contrast, the person chooses individual cover, subject to underwriting.<\/li>\n<li>The organisation usually pays the GPA premium for the whole group. By contrast, the person pays the individual PA premium.<\/li>\n<li><strong>Changes in membership.<\/strong> The organisation adds new joiners and removes leavers under the group policy, as its terms allow. Individual cover continues while the person keeps paying.<\/li>\n<li><strong>Leaving the group.<\/strong> GPA cover usually ends when the person leaves the group, subject to the policy terms. Individual cover, however, does not depend on employment.<\/li>\n<\/ul>\n<p>An employee\u2019s GPA cover may be modest, and it also typically ends on leaving the job. Some people therefore also buy individual <a href=\"https:\/\/securenow.in\/individual-insurance\/personal-accident-insurance\"><em>personal accident insurance<\/em><\/a> for continuous or higher cover.<\/p>\n<h3>Group vs Individual Cover at a Glance<\/h3>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Feature<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Personal Accident Insurance<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Individual Personal Accident Insurance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policyholder<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employer or sponsoring organisation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The individual<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Insured persons<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligible members of the defined group<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The individual and, where offered, family members<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligibility<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Set by the group definition, such as employment<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Based on the individual\u2019s proposal and underwriting<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Chosen by the organisation; may be flat or salary-linked<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Chosen by the individual, subject to underwriting<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Premium structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Usually paid by the organisation for the group<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Paid by the individual<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy administration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Managed centrally by the organisation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Managed by the individual<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefit structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Same schedule for the group or by category<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Chosen by the individual from available options<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Membership changes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Joiners and leavers added or removed as the policy allows<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not applicable, because cover follows the individual<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Main consideration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Cover usually ends when the person leaves the group<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Continuity, but the individual bears the cost<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Who Can Be Covered Under Group Personal Accident Insurance?<\/h2>\n<p>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\u2019s records.<\/p>\n<h3>Employees<\/h3>\n<p>Employers commonly arrange GPA for employees, especially as part of an employee-benefits programme. Depending on the policy, cover may also extend to:<\/p>\n<ul>\n<li>Permanent employees<\/li>\n<li>Other categories, such as contractual or probationary staff, where the insurer accepts them<\/li>\n<li>Part-time employees, when permitted<\/li>\n<li>Different grades, also with different sums insured for each<\/li>\n<\/ul>\n<p>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.<\/p>\n<h3>Members of Associations and Organisations<\/h3>\n<p>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.<\/p>\n<h3>Borrowers<\/h3>\n<p>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.<\/p>\n<h3>Other Eligible Groups<\/h3>\n<p>Insurers can also arrange group accident cover for other defined groups that they accept &#8211; for example, customers of a tour operator travelling under a group arrangement. Therefore, eligibility and benefits depend entirely on the specific arrangement and wording.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group category<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Possible policyholder or sponsor<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Eligibility considerations<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employees<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employer<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employment status and policy-defined eligibility<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Association members<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Association or eligible sponsoring entity<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Membership and group eligibility<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Borrowers<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Lending institution or relevant sponsor<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Loan-linked arrangement and policy conditions<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Other eligible groups<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Depends on the arrangement<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Insurer acceptance and policy wording<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Finally, always confirm eligibility in the actual policy documents.<\/p>\n<h2>What Benefits Are Available Under Group Personal Accident Insurance?<\/h2>\n<p>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 <a href=\"https:\/\/securenow.in\/insuropedia\/what-is-covered-under-group-personal-accident-insurance\/\"><em>what is covered under Group Personal Accident Insurance<\/em><\/a>.<\/p>\n<h3>Accidental Death Benefit<\/h3>\n<p>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\u2019s conditions are met. Check:<\/p>\n<ul>\n<li><strong>The definition of accidental death<\/strong> &#8211; including any time limit between the accident and death<\/li>\n<li><strong>The benefit amount<\/strong> &#8211; usually a percentage of the sum insured<\/li>\n<li><strong>Who receives it<\/strong> &#8211; typically the nominee or legal heirs, as the policy provides<\/li>\n<li><strong>Exclusions and conditions<\/strong> &#8211; which can affect eligibility for payment<\/li>\n<\/ul>\n<h3>Permanent Total Disability (PTD)<\/h3>\n<p>PTD generally refers to a permanent disability that meets the policy\u2019s definition of total disability &#8211; 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.<\/p>\n<h3>Permanent Partial Disability (PPD)<\/h3>\n<p>PPD generally refers to a permanent disability that is partial rather than total, as the policy defines it &#8211; 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.<\/p>\n<h3>Temporary Total Disability (TTD)<\/h3>\n<p>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.<\/p>\n<p>Additionally, SecureNow explains each disability class in detail in <a href=\"https:\/\/securenow.in\/insuropedia\/what-are-different-types-disabilities-covered-group-personal-accident-plan\/\"><em>types of disabilities covered under a GPA plan &#8211; PTD, PPD and TTD<\/em><\/a>. Many policies also offer add-on benefits, such as medical expenses or education allowances; see <a href=\"https:\/\/securenow.in\/insuropedia\/what-are-additional-benefits-available-group-personal-accident-insurance\/\"><em>additional benefits available in GPA insurance<\/em><\/a>.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Benefit type<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">What it generally addresses<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Important policy details to check<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accidental Death<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Death resulting from a covered accident<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definition, sum insured, exclusions and beneficiary provisions<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent Total Disability (PTD)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent disability meeting the policy\u2019s definition of total disability<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definition, assessment requirements and benefit amount<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent Partial Disability (PPD)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent disability that meets the policy\u2019s definition of partial disability<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability table and applicable benefit percentage<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Temporary Total Disability (TTD)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Temporary disability meeting the policy\u2019s requirements<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligibility, waiting period, benefit amount and duration<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>These are conceptual descriptions, so always confirm the exact definitions and payment conditions in the policy.<\/p>\n<h2>How Is the Sum Insured Determined Under a Group Personal Accident Policy?<\/h2>\n<p><strong>The sum insured is the base amount that insurers use to calculate GPA benefits.<\/strong> The organisation chooses it, though subject to the insurer\u2019s acceptance. Generally, there are two common approaches.<\/p>\n<h3>Flat Sum Insured<\/h3>\n<p>In other words, every eligible member, or every member in a category, has the same base sum insured.<\/p>\n<p>Advantages:<\/p>\n<ul>\n<li>Simple to administer<\/li>\n<li>Easy to explain to employees<\/li>\n<li>A consistent benefit across the group<\/li>\n<\/ul>\n<p>Limitations:<\/p>\n<ul>\n<li>It may not reflect differences in salary or responsibility, especially in varied workforces<\/li>\n<li>It also may not fit every benefits strategy<\/li>\n<li>Finally, the right amount depends on the organisation\u2019s needs and the policy terms available<\/li>\n<\/ul>\n<h3>Salary-Multiple Approach<\/h3>\n<p>Here, the organisation links the sum insured to a multiple of each person\u2019s salary, where the insurer offers and accepts this structure. Decide:<\/p>\n<ul>\n<li><strong>Which salary definition<\/strong> applies &#8211; such as basic pay, gross salary or cost to company<\/li>\n<li><strong>The multiple<\/strong> &#8211; which can differ by grade<\/li>\n<li><strong>How the policy reflects salary changes<\/strong> during the year<\/li>\n<li><strong>How you maintain records<\/strong> &#8211; the insurer will rely on them at claim time<\/li>\n<li><strong>Whether a cap applies<\/strong> &#8211; insurers may set a maximum sum insured per person<\/li>\n<\/ul>\n<p>In short, there is no universal \u201cright\u201d multiple; it depends on the organisation\u2019s objectives, budget and the insurer\u2019s terms.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Feature<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Flat sum insured<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Salary-multiple approach<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Basis<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Same fixed amount per person or category<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Multiple of each person\u2019s defined salary<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Administration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Simpler<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Needs salary data and regular updates<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employee differentiation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Little or none<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Reflects earnings and seniority<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Suitability considerations<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Uniform workforces; simple benefit design<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Varied salaries; income-replacement focus<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Information required<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Headcount and categories<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Headcount plus salary for each member<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Main limitation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">May under-protect higher earners<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">May leave lower earners with small benefits; caps may apply<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Illustrative example &#8211; hypothetical figures, not a market standard or an insurer\u2019s offer. For example, a company considers two designs. Under a flat structure, every employee simply has a sum insured of \u20b910 lakh. Under a salary-multiple structure of three times annual salary, an employee earning \u20b94 lakh a year has \u20b912 lakh, while a manager earning \u20b915 lakh has \u20b945 lakh, unless a cap applies. The flat design is simpler, while the salary design tracks income more closely.<\/p>\n<h2>What Is Not Covered Under Group Personal Accident Insurance?<\/h2>\n<p><strong>Exclusions vary by policy, so read them closely.<\/strong> 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.<\/p>\n<ul>\n<li><strong>Illness,<\/strong> unless it results from a covered accident<\/li>\n<li><strong>Specified excluded events<\/strong> listed in the policy<\/li>\n<li><strong>Pre-existing conditions or disabilities,<\/strong> when relevant to the wording<\/li>\n<li><strong>Intentional self-injury or suicide,<\/strong> subject to the policy and applicable law<\/li>\n<li><strong>Intoxication or substance use,<\/strong> when the policy excludes it<\/li>\n<li><strong>Hazardous activities<\/strong> specified by the policy, such as certain adventure sports<\/li>\n<li><strong>War, terrorism or similar events,<\/strong> when excluded<\/li>\n<li><strong>Criminal acts<\/strong> by the insured, when excluded<\/li>\n<li><strong>Injuries outside the policy\u2019s definitions<\/strong> or conditions<\/li>\n<li><strong>Claims that don\u2019t meet reporting or documentation requirements<\/strong><\/li>\n<\/ul>\n<p>Therefore, read the exclusions together with the benefit schedule. For how claims are handled, see <a href=\"https:\/\/securenow.in\/insuropedia\/how-is-the-claim-processed-group-personal-accident-insurance\/\"><em>how a claim is processed under a GPA policy<\/em><\/a>.<\/p>\n<h2>How Does GPA Differ From GTL, GHI and Workers\u2019 Compensation?<\/h2>\n<p>These covers address different risks, so employers should not treat them as interchangeable.<\/p>\n<h3>GPA vs Group Term Life (GTL)<\/h3>\n<p><a href=\"https:\/\/securenow.in\/group-insurance\/group-term-life-insurance\"><em>Group Term Life<\/em><\/a> 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\u2019s scope but outside GPA\u2019s. GPA, on the other hand, can pay disability benefits that GTL typically does not, depending on each policy.<\/p>\n<h3>GPA vs Group Health Insurance (GHI)<\/h3>\n<p><a href=\"https:\/\/securenow.in\/group-insurance\/group-health-insurance\"><em>Group Health Insurance<\/em><\/a> 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.<\/p>\n<h3>GPA vs Workers\u2019 Compensation (WC)<\/h3>\n<p>Employee\u2019s compensation concerns an employer\u2019s legal liability to compensate employees for employment injury. In India, the Employee\u2019s 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. <a href=\"https:\/\/securenow.in\/group-insurance\/workmen-compensation-insurance\"><em>Workmen compensation insurance<\/em><\/a> therefore exists to cover that employer liability.<\/p>\n<p>However, GPA is a separate benefit policy with its own benefit structure and terms. As a result, it does not automatically satisfy an employer\u2019s statutory compensation obligations. Employers should take advice on their own obligations rather than relying on GPA to meet them.<\/p>\n<h3>GPA vs GTL vs GHI vs WC at a Glance<\/h3>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Feature<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">GPA insurance<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Term Life (GTL)<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Health Insurance (GHI)<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Workers\u2019 Compensation (WC)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Primary purpose<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Specified benefits for accidental death or disability<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Life cover for members<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Medical and hospitalisation expenses<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Cover for employer\u2019s legal liability for employment injury<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Main event or risk addressed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Covered accidents<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Death during the policy period<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Illness or injury needing treatment<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Injury or specified disease arising out of and in the course of employment<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accidental death<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Covered, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Generally covered, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not the purpose<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compensation when the law makes the employer liable<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability benefits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">PTD, PPD and, where offered, TTD<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Generally not, unless added as a rider<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not the purpose<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compensation as the law provides<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Medical\/hospitalisation expenses<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Limited, when included<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Yes, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The policy may include medical expenses<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Illness-related life cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Yes, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No (except specified occupational diseases)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employment injury obligations<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not a substitute<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not a substitute<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not a substitute<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Designed to cover the employer\u2019s liability<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefit\/payment structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Fixed benefit or percentage of sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum assured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Reimbursement or cashless, up to sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compensation as determined under the law<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Key policy or legal consideration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definitions, disability table and exclusions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum assured and exclusions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured, sublimits and waiting periods<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Code on Social Security, 2020 and ESI coverage<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Because of this, many employers use these covers together as part of a wider employee-benefits and risk-management programme.<\/p>\n<h2>Example: How Group Personal Accident Insurance May Work<\/h2>\n<p><strong>Illustrative example &#8211; it does not describe a real claim, insurer, price or outcome.<\/strong><\/p>\n<p>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:<\/p>\n<ul>\n<li><strong>Temporary disability.<\/strong> 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.<\/li>\n<li><strong>Permanent partial disability.<\/strong> 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.<\/li>\n<li><strong>Accidental death.<\/strong> Lastly, an employee dies in a covered accident. If the conditions are met, the insurer may pay the accidental death benefit to the nominee.<\/li>\n<\/ul>\n<p>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.<\/p>\n<h2>What Should Employers Check Before Choosing a GPA Policy?<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Area<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">What to check<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligible group<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Who qualifies under the group definition<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employee or member categories<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Whether the policy includes contract, part-time, or other staff<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Amount per person or category<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Flat amount vs salary multiple<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Which structure, salary definition, and any cap<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accidental death benefit<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Percentage of sum insured and definition<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">PTD benefit<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definition, assessment period, and percentage<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">PPD benefit<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability table and percentages<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">TTD benefit<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Whether offered, as well as weekly amount, waiting period and maximum weeks<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefit schedule<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">All benefits and add-ons, with their limits<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability definitions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">How the policy defines total, partial, and temporary disability<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Exclusions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Activities, conditions and events not covered<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Territory and hours<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">On-duty only or 24 hours; India only or worldwide<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claim documentation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Documents required for each claim type<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claim notification<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">How and when to report claims<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Limits and sublimits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Caps on medical expenses and add-ons, when applicable<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Joiners and leavers<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">How the organisation adds and removes members during the year<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Premium and taxes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Total cost, including GST<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy period<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Start and end dates, as well as renewal<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy wording<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Full wording, rather than just the quotation<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Existing covers<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">How GPA fits with your GTL, GHI and WC arrangements<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>However, not every policy offers every benefit listed here.<\/p>\n<h2>GPA Benefit Comparison Table<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Benefit type<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">What it generally addresses<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">How it is commonly paid<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Important policy details to check<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accidental Death<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Death resulting from a covered accident<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Lump sum, often the full sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definition, time limit after accident, exclusions, nominee provisions<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent Total Disability (PTD)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent disability meeting the policy\u2019s definition of total disability<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Lump sum, a percentage of the sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definition, assessment period, benefit percentage<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent Partial Disability (PPD)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Permanent partial loss as defined by the policy<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Lump sum, a percentage set by the disability table<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability table and percentages<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Temporary Total Disability (TTD)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Temporary inability to work<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Weekly benefit, up to a maximum number of weeks, when offered<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Waiting period, weekly amount, maximum duration<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Group vs Individual PA Comparison Table<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Feature<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Personal Accident Insurance<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Individual Personal Accident Insurance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policyholder<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employer or sponsoring organisation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The individual<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Insured persons<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligible members of the defined group<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The individual and, where offered, family members<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligibility<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Set by the group definition<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Based on the individual\u2019s proposal<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Chosen by the organisation; flat or salary-linked<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Chosen by the individual<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Premium structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Usually paid by the organisation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Paid by the individual<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy administration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Managed centrally<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Managed by the individual<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefit structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Same schedule for the group or category<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Chosen from available options<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Membership changes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Joiners and leavers added or removed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not applicable<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Main consideration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Cover usually ends when the person leaves the group<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Continuity at the individual\u2019s cost<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>GPA vs GTL vs GHI vs WC Comparison Table<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Feature<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">GPA insurance<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Term Life (GTL)<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Health Insurance (GHI)<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Workers\u2019 Compensation (WC)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Primary purpose<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Specified benefits for accidental death or disability<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Life cover for members<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Medical and hospitalisation expenses<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Cover for employer\u2019s legal liability for employment injury<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Main event or risk addressed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Covered accidents<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Death during the policy period<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Illness or injury needing treatment<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Injury or specified disease arising out of and in the course of employment<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accidental death<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Covered, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Generally covered, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not the purpose<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compensation when the law makes the employer liable<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability benefits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">PTD, PPD and, where offered, TTD<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Generally not, unless added as a rider<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not the purpose<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compensation as the law provides<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Medical\/hospitalisation expenses<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Limited, when included<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Yes, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The policy may include medical expenses<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Illness-related life cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Yes, subject to terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No (except specified occupational diseases)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employment injury obligations<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not a substitute<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not a substitute<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not a substitute<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Designed to cover the employer\u2019s liability<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefit\/payment structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Fixed benefit or percentage of sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum assured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Reimbursement or cashless, up to sum insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compensation as determined under the law<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Key policy or legal consideration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definitions, disability table, exclusions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum assured, exclusions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured, sublimits, waiting periods<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Code on Social Security, 2020 and ESI coverage<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Employer Buying Checklist<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; line-height: 1.5;\">\n<thead>\n<tr style=\"background: #2f5496; color: #ffffff;\">\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center; width: 50px;\">#<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Item<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center; width: 70px;\">Done<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">1<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligible group defined<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">2<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employee or member categories confirmed (permanent, contract, part-time)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">3<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured decided<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">4<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Flat amount or salary multiple chosen; salary definition and cap confirmed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">5<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accidental death benefit and definition reviewed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">6<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">PTD definition, assessment period and percentage reviewed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">7<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">PPD disability table reviewed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">8<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">TTD offered? Weekly amount, waiting period and maximum weeks reviewed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">9<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Full benefit schedule and add-ons reviewed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">10<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability definitions understood<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">11<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Exclusions reviewed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">12<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Territory and hours of cover confirmed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">13<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claim documents and notification rules noted<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">14<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Limits and sublimits checked<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">15<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Process for joiners and leavers agreed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">16<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Premium and GST confirmed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">17<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy period and renewal date recorded<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">18<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Full policy wording received<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">19<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Fit with existing GTL, GHI and WC cover reviewed<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: center;\">\u2610<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Conclusion<\/h2>\n<p>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.<\/p>\n<p>Above all, treat GPA as one part of the benefits package, alongside group term life, group health, and employee\u2019s compensation cover &#8211; each addresses a different risk. Finally, to compare plans, visit SecureNow\u2019s <a href=\"https:\/\/securenow.in\/group-insurance\/group-personal-accident-insurance\"><em>Group Personal Accident Insurance<\/em><\/a> page.<\/p>\n<p><em>This article is general information. Ultimately, coverage depends on the specific policy wording. Insurance is the subject matter of solicitation.<\/em><\/p>\n<h3>Frequently Asked Questions<\/h3>\n<h4>Q) What is a Group Accidental Insurance Policy?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q) What is Group Personal Accident Insurance?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0How is group personal accident insurance different from individual personal accident insurance?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0Who can be covered under GPA Insurance?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0What benefits are available under a GPA policy?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0What is the difference between PTD, PPD and TTD?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0How is the sum insured determined under GPA Insurance?<\/h4>\n<p><strong>A)<\/strong> The organisation chooses it, though subject to the insurer\u2019s acceptance. Generally, it is a flat amount for everyone or each category, or a multiple of each member\u2019s salary.<\/p>\n<h4>Q)\u00a0Can an employer choose a flat sum insured for all employees?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0Can the GPA sum insured be linked to salary?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0What is the difference between GPA and Group Term Life Insurance?<\/h4>\n<p><strong>A)<\/strong> 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.<\/p>\n<h4>Q)\u00a0Is GPA Insurance the same as Group Health Insurance?<\/h4>\n<p><strong>A)<\/strong> No.\u00a0Group 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.<\/p>\n<h4>Q)\u00a0Does GPA Insurance replace Workers\u2019 Compensation?<\/h4>\n<p><strong>A)<\/strong> No. Employees\u2019 compensation is an employer\u2019s 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.<br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is a Group Accidental Insurance Policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is Group Personal Accident Insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How is group personal accident insurance different from individual personal accident insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Who can be covered under GPA Insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What benefits are available under a GPA policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Benefits may include accidental death, Permanent Total Disability, Permanent Partial Disability and Temporary Total Disability, as well as optional add-ons. 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Generally, it is a flat amount for everyone or each category, or a multiple of each member\u2019s salary.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can an employer choose a flat sum insured for all employees?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can the GPA sum insured be linked to salary?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between GPA and Group Term Life Insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is GPA Insurance the same as Group Health Insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does GPA Insurance replace Workers\u2019 Compensation?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. Employees\u2019 compensation is an employer\u2019s 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.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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.\u00a0Group Personal Accident Insurance is therefore one of the ways [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[3326,3341,3340,3339,3338,3337,3336,3335,3334,3333,3332,3331,3330,3329,3328,3327,48,3325,3324,3323,2568,1622,1527,1257,840,835,700,573,192,185,180,71],"class_list":["post-37212","post","type-post","status-publish","format-standard","hentry","category-group-personal-accident","tag-employer-sponsored-insurance","tag-ttd-benefit","tag-temporary-total-disability","tag-salary-multiple","tag-ptd-benefit","tag-ppd-benefit","tag-permanent-total-disability","tag-permanent-partial-disability","tag-insurance-benefit-schedule","tag-gtl-insurance","tag-gpa-vs-workmen-compensation","tag-gpa-vs-group-term-life","tag-gpa-sum-insured","tag-gpa-insurance","tag-ghi-insurance","tag-flat-sum-insured","tag-group-health-insurance","tag-disability-benefit","tag-code-on-social-security","tag-accidental-death-benefit","tag-sum-insured","tag-employee-compensation","tag-group-term-life-insurance","tag-policy-exclusions","tag-employee-benefits-1","tag-employee-accident-insurance","tag-personal-accident-insurance","tag-group-accident-insurance","tag-group-insurance","tag-workers-compensation","tag-group-personal-accident-insurance","tag-group-insurance-policy"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37212","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=37212"}],"version-history":[{"count":1,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37212\/revisions"}],"predecessor-version":[{"id":37213,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37212\/revisions\/37213"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=37212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=37212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=37212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}