{"id":37220,"date":"2026-11-04T12:08:38","date_gmt":"2026-11-04T12:08:38","guid":{"rendered":"https:\/\/securenow.in\/insuropedia\/?p=37220"},"modified":"2026-11-04T12:08:38","modified_gmt":"2026-11-04T12:08:38","slug":"how-to-buy-group-personal-accident-insurance-the-hr-buyers-guide","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/how-to-buy-group-personal-accident-insurance-the-hr-buyers-guide\/","title":{"rendered":"How to Buy Group Personal Accident Insurance &#8211; The HR Buyer\u2019s Guide"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><h2>Introduction<\/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 0 8px 0;\">To buy Group Personal Accident (GPA) insurance:<\/p>\n<ol style=\"margin: 0 0 8px 0; padding-left: 22px;\">\n<li>First, identify which employees need cover and why.<\/li>\n<li>Next, choose a benefit structure and sum insured.<\/li>\n<li>Before you request quotes, prepare accurate employee data.<\/li>\n<li>Then get quotations from insurers or a broker, and compare cover, limits, exclusions and price on the same basis.<\/li>\n<li>When you have chosen an insurer, complete its proposal and underwriting.<\/li>\n<li>Finally, check the policy schedule and effective date before paying, and keep the documents.<\/li>\n<\/ol>\n<p style=\"margin: 0;\">However, each insurer\u2019s process differs.<\/p>\n<\/div>\n<p>Buying accident cover for a workforce is more than picking the lowest premium. HR also has to decide who gets cover and how much, supply accurate employee data, read the terms, and make sure every eligible employee is actually on the policy. If any of those goes wrong, the gap usually appears only when someone makes a claim.<\/p>\n<p>This guide takes HR teams through the full journey: deciding whether GPA fits the organisation, choosing the sum insured, preparing data and documents, choosing a buying channel, comparing quotations, and completing the purchase. It also covers how to buy Personal Accident Insurance online for a group, and where an online process ends.<\/p>\n<h2>What Is Group Personal Accident Insurance?<\/h2>\n<p><strong>Group Personal Accident insurance is a policy an employer buys to pay defined benefits to employees, or their families, if an accident causes death or disability.<\/strong> Depending on the policy, benefits may cover:<\/p>\n<ul>\n<li>Accidental death<\/li>\n<li>Permanent total disability (PTD) &#8211; disability that stops the person working at all<\/li>\n<li>Permanent partial disability (PPD) &#8211; the permanent loss of part of the body or its use<\/li>\n<li>Temporary total disability (TTD) &#8211; a temporary inability to work<\/li>\n<\/ul>\n<p>You can also add optional extensions, such as accident medical expenses. However, the benefits, definitions, and exclusions depend on the policy you choose. SecureNow explains <a href=\"https:\/\/securenow.in\/insuropedia\/what-is-covered-under-group-personal-accident-insurance\/\"><em>what a GPA policy covers<\/em><\/a> in detail.<\/p>\n<h2>Who Should Buy Group Personal Accident Insurance?<\/h2>\n<p>Any employer that wants to give employees defined financial support after an accident can consider GPA. It is especially relevant where employees face higher accident exposure. Overall, whether it suits your organisation depends on your workforce profile, risk exposure, benefit goals, budget, and the policy terms available.<\/p>\n<h3>Is GPA a Legal Requirement?<\/h3>\n<p>GPA is not generally a legal requirement. In fact, we found no general law requiring employers to buy GPA, and the source article titled \u201cmust buy\u201d cites none.<\/p>\n<p>By contrast, statutory injury compensation is a separate obligation. Chapter VII of the Code on Social Security, 2020, which replaced the Employees\u2019 Compensation Act, 1923, now governs employers\u2019 liability for work injuries. Most of the Code took effect on 21 November 2025. However, establishments that fall under Employees\u2019 State Insurance (ESI) handle work injuries through ESI instead.<\/p>\n<p>GPA, in contrast, is an employee benefit. Therefore, buying it doesn\u2019t automatically meet those statutory duties, and it isn\u2019t the same as <a href=\"https:\/\/securenow.in\/group-insurance\/workmen-compensation-insurance\"><em>workmen\u2019s compensation insurance<\/em><\/a>. For this reason, take legal advice on your own obligations.<\/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;\">Organisation or workforce type<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Why GPA may be relevant<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Buying considerations<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Office-based workforce<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Commuting and everyday accidents; also a valued, often modestly priced benefit<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Confirm whether the policy covers 24 hours or only on duty<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Field and travelling employees<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">More time on the road and at client sites<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Check territorial scope and travel exclusions; also ask how the insurer classifies field roles<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Manufacturing or operational workforce<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Machinery, site and transport exposure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Expect occupation-based pricing; also consider insuring different units or roles in separate categories<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Small and medium-sized businesses<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">A structured benefit without a large benefits team<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Check minimum group size, as well as how simple the administration is<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Large or multi-location organisations<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Consistent cover across sites and roles<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Use employee categories; then check how the insurer handles locations and joiners<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Needs also vary within a sector. For example, two manufacturers can have very different risk profiles depending on their processes and safety controls.<\/p>\n<h2>How to Choose the Right Sum Insured<\/h2>\n<p>Choose the sum insured from your benefit goals and workforce profile, then test it against your budget &#8211; not the other way round. In short, the sum insured is the base amount the insurer uses to calculate death and disability benefits for each employee.<\/p>\n<p>The main structures are:<\/p>\n<ul>\n<li><strong>Flat sum insured<\/strong> &#8211; the same amount for every eligible employee.<\/li>\n<li><strong>Salary multiple<\/strong> &#8211; cover set as a multiple of each employee\u2019s salary, where the insurer offers it.<\/li>\n<li><strong>Graded cover<\/strong> &#8211; different amounts for employee categories, such as grade or designation, where the policy allows it.<\/li>\n<\/ul>\n<p>SecureNow explains <a href=\"https:\/\/securenow.in\/insuropedia\/understanding-the-working-of-graded-covers-within-group-insurance-policies\/\"><em>graded and salary-linked covers<\/em><\/a> in more detail. A higher sum insured usually raises the premium. In addition, not every insurer offers every structure.<\/p>\n<p>The sum insured also drives other benefits. For instance, insurers often pay partial disability as a percentage of it, so check how the policy calculates each benefit.<\/p>\n<h3>Flat vs Salary-Multiple Cover<\/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;\">Decision factor<\/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 basis<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Basis for setting cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Same amount per employee or category<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">A multiple of each employee\u2019s defined salary<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Treatment of employees with different salaries<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Everyone gets the same cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Higher earners get more cover, while lower earners get less<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Administrative requirements<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">An employee list<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Current salary data, a salary definition, update rules<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Effect on overall cover exposure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employees \u00d7 flat amount<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Depends on the payroll, the multiple and any cap<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Potential effect on premium<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Predictable, even when headcount changes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Moves up or down when salaries change<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Important checks before purchase<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Is the amount adequate for senior staff?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Salary definition, caps, insurer acceptance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong><em>Hypothetical example:<\/em><\/strong> 100 employees on a flat \u20b910 lakh each give \u20b910 crore of total cover. On a salary multiple, however, the total depends on the payroll. For example, a group with an average annual salary of \u20b96 lakh on 3\u00d7 salary would total about \u20b918 crore. Note that this compares cover, not premium.<\/p>\n<h3>Questions HR Should Ask Before Selecting the Sum Insured<\/h3>\n<ul>\n<li>Would the benefit meaningfully support a family after a death or a serious disability?<\/li>\n<li>Should different employee categories get different levels?<\/li>\n<li>What does each option cost, and does it fit the budget?<\/li>\n<li>How does the insurer calculate partial disability and temporary disability from the sum insured?<\/li>\n<li>Which employees are eligible, and does the policy exclude any roles?<\/li>\n<li>Are there maximum limits or caps?<\/li>\n<li>Which exclusions could especially affect your workforce?<\/li>\n<\/ul>\n<h2>What Employee Data Is Needed for a GPA Quotation?<\/h2>\n<p>Insurers usually need enough information to understand whom they are insuring, what those people do, and what cover you want. At first, an indicative quotation may need only summary data. However, final underwriting and policy issuance usually need more detail.<\/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;\">Information required<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Why it may be needed<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Always required?<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Practical preparation tip<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Organisation name and business activity<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Identifies the policyholder and its risk<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Usually<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Use the registered name<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Industry and nature of work<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Assesses accident exposure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Usually<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Describe the actual work done<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Number of employees to be insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sizes the group<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Yes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Confirm the eligibility rules before counting<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employee categories or occupation groups<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Occupation-based pricing<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Depends on the insurer<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Group roles by duties rather than job titles alone<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employee names or census file<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Identifies insured persons<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Often at issuance<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Keep one master list so data stays consistent<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Date of birth or age<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Some insurers use the age profile<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Depends on the insurer<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Check that age limits apply<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Salary details<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Needed for salary-linked cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Only for salary-linked cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Define \u201csalary\u201d clearly before you share it<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Work locations and travel exposure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Location and travel risk<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Where requested<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Especially note any high-exposure sites<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Proposed sum insured or benefit structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Defines the cover to price<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Yes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Decide this before asking for quotes<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Start date and duration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sets the policy period<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Yes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Allow time for underwriting before the start date<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Optional benefits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Prices the extensions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">If wanted<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">List them separately so insurers can price each one<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Existing GPA cover and renewal details<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Continuity and pricing<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">If renewing<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Also share the current schedule<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claims history<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Experience-based pricing<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Where requested<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Prepare a claims summary<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>How to Share Employee Data Securely<\/h3>\n<p>Share only what the insurer needs at each stage, through secure channels such as encrypted files or the insurer\u2019s portal, and with authorised contacts only. Also, avoid sending full HR records to every insurer you approach.<\/p>\n<p>The government notified the Digital Personal Data Protection (DPDP) Rules, 2025 on 14 November 2025, with an 18-month phased compliance period. Under these Rules, organisations should follow principles such as purpose limitation, data minimisation and reasonable security safeguards. Therefore, check your own obligations with your legal or compliance team.<\/p>\n<h2>What Documents Should HR Prepare Before Buying?<\/h2>\n<p>The documents build up in stages, from a quotation request to a signed-off policy. Insurers\u2019 requirements differ, so ask each insurer for its list.<\/p>\n<ol>\n<li><strong>Quotation<\/strong> &#8211; summary data: headcount, categories, proposed cover and add-ons.<\/li>\n<li><strong>Underwriting<\/strong> &#8211; more detail, such as a census file, occupation details, claims history and a completed proposal form.<\/li>\n<li><strong>Policy issuance<\/strong> &#8211; final insured list, payment, and the confirmed start date.<\/li>\n<li><strong>After purchase<\/strong> &#8211; records to keep for administration and claims.<\/li>\n<\/ol>\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;\">Stage<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Documents or information<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Who prepares it<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">What to verify<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Initial quotation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Business activity, headcount, categories, proposed cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">HR, with finance<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Same data sent to every insurer<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Underwriting<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Census file, occupations, claims history, proposal form<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">HR<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accuracy and completeness<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy issuance<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Final insured list, payment, start date<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">HR, finance, insurer<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Schedule matches what you agreed<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Post-purchase recordkeeping<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy schedule, wording, endorsements, insured list, receipts<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">HR<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Stored securely and easy to find<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Should You Buy Directly or Through a Broker?<\/h2>\n<p>Both routes can work. However, the right choice depends on how much support HR needs and how many insurers you want to compare. Moreover, neither route is automatically cheaper.<\/p>\n<p><strong>Buying directly.<\/strong> You approach one or more insurers yourself, request quotations, and deal with each insurer separately. As a result, this route suits teams with insurance experience and time to manage several insurers.<\/p>\n<p><strong>Buying through a broker.<\/strong> An insurance broker licensed by IRDAI (the Insurance Regulatory and Development Authority of India) can approach several insurers on your behalf, help you compare terms, and may assist with documentation, policy changes, and claims. However, the actual services depend on the broker and the agreed scope. SecureNow, the publisher of this guide, is an IRDAI-licensed insurance broker.<\/p>\n<p>Before working with any intermediary, check its IRDAI licence status on IRDAI\u2019s website and agree in writing what support it will provide.<\/p>\n<h3>Direct vs Broker 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;\">Factor<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Buying directly from an insurer<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Buying through a broker or intermediary<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Main contact<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Each insurer separately<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The broker, who liaises with insurers<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Quotation process<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Request from each insurer yourself<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Broker requests from several insurers<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Help comparing policy terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Your own review<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Broker may prepare a comparison<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Support with employee data and documentation<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Insurer guidance<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Broker may help prepare and check data<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Assistance with policy changes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Directly with the insurer<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Broker may coordinate additions and deletions<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claims support<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Directly with the insurer<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Broker may help, depending on the agreed scope<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">What the employer should verify<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Insurer\u2019s service standards and contacts<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Broker\u2019s IRDAI licence and scope of service<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Decision Guide<\/h3>\n<ul>\n<li><strong>Consider buying directly<\/strong> if HR has insurance expertise, a simple workforce, and time to compare insurers.<\/li>\n<li><strong>Instead, consider a broker<\/strong> if you want several quotations compared for you, have complex categories or locations, or want help with administration and claims.<\/li>\n<\/ul>\n<h2>What to Compare Across GPA Insurance Quotations<\/h2>\n<p>Compare quotations only after making sure they price the same employees, cover, limits, and policy period. After all, the lowest premium can come from narrower cover.<\/p>\n<p>In particular, look closely at:<\/p>\n<ul>\n<li>Covered events and benefit definitions<\/li>\n<li>Death and disability percentages<\/li>\n<li>Medical-expense cover and other <a href=\"https:\/\/securenow.in\/insuropedia\/illustrate-15-add-on-coverage-available-under-the-gpa-policy\/\"><em>GPA add-on covers<\/em><\/a><\/li>\n<li>Limits, sub-limits and exclusions<\/li>\n<li>Occupation restrictions<\/li>\n<li>The premium before taxes, and the total payable (GST at 18% applies to group insurance policies)<\/li>\n<li>Policy dates<\/li>\n<li>The claims process<\/li>\n<li>Service support<\/li>\n<li>Renewal assumptions<\/li>\n<\/ul>\n<p>Also, treat any discount for bundling with other group policies as valid only if the insurer confirms it in writing. SecureNow explains <a href=\"https:\/\/securenow.in\/insuropedia\/right-price-for-group-personal-accident-insurance\/\"><em>how GPA premiums are priced<\/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;\">Comparison item<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Insurer A<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Insurer B<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Insurer C<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">HR\u2019s verification notes<\/th>\n<\/tr>\n<\/thead>\n<tbody>\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;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefit structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligible employees<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Optional benefits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Exclusions and limits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Premium before taxes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Taxes and total payable<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claims procedure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Service support<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Renewal conditions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>How to Buy Group Personal Accident Insurance Online<\/h2>\n<p>Buying Group Personal Accident insurance online usually starts with a quotation request. However, the insurer issues the policy only after underwriting, acceptance and payment. In other words, an online enquiry is not a policy.<\/p>\n<ol>\n<li><strong>First, identify needs<\/strong> &#8211; the reason for cover and the eligible workforce.<\/li>\n<li><strong>Choose the structure<\/strong> &#8211; sum insured basis and benefits.<\/li>\n<li><strong>Prepare data<\/strong> &#8211; a census and the quotation information.<\/li>\n<li><strong>Visit a verified website<\/strong> &#8211; an insurer\u2019s or an IRDAI-licensed intermediary\u2019s.<\/li>\n<li><strong>Submit the enquiry<\/strong> &#8211; complete the online form.<\/li>\n<li><strong>Review quotations<\/strong> &#8211; ask about anything missing or unclear before comparing.<\/li>\n<li><strong>Then compare<\/strong> &#8211; benefits, limits, exclusions, premium, and service.<\/li>\n<li><strong>Submit underwriting documents<\/strong> &#8211; through a secure channel.<\/li>\n<li><strong>Review the policy<\/strong> &#8211; read the draft schedule and wording before accepting.<\/li>\n<li><strong>Confirm and pay<\/strong> &#8211; check the effective date, insured list, premium, and payment process.<\/li>\n<li><strong>Finally, keep and communicate<\/strong> &#8211; store the policy documents and tell employees about the benefits and <a href=\"https:\/\/securenow.in\/insuropedia\/guide-for-filing-claim-in-group-personal-accident-policy\/\"><em>how to file a GPA claim<\/em><\/a>.<\/li>\n<\/ol>\n<p>Employers who want to buy Personal Accident Insurance online for a group can <a href=\"https:\/\/securenow.in\/group-insurance\/group-personal-accident-insurance\"><em>request a GPA quotation<\/em><\/a> through SecureNow. Its quote form asks for contact details and employee count. Note, however, that it is a quotation request, not an instant premium calculator or instant issuance; SecureNow does not currently offer a GPA premium calculator. Also, online journeys differ between insurers and intermediaries.<\/p>\n<figure style=\"width: 842px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large\" src=\"https:\/\/securenow.in\/insuropedia\/wp-content\/uploads\/2023\/07\/how-to-buy-group-personal-accident-insurance.jpg\" alt=\"Buying Process Of Group Personal Accident Insurance\" width=\"842\" height=\"1190\" \/><figcaption class=\"wp-caption-text\">Buying Process Of Group Personal Accident Insurance<\/figcaption><\/figure>\n<h2>Common Mistakes When Buying GPA Insurance<\/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;\">Common mistake<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Why it matters<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">How HR can avoid it<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Picking a sum insured without analysis<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Cover may be too low, or unaffordable<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Start from benefit goals, then test the budget<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Comparing quotes with different cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">As a result, prices aren\u2019t comparable<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Send every insurer the same specification<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Choosing on premium alone<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Cheaper may mean narrower cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compare terms before price<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Assuming all insurers offer the same benefits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Definitions and extensions vary<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Read each wording before deciding<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Overlooking exclusions and sub-limits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Insurers may refuse or reduce claims<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Review the <a style=\"color: #2f5496;\" href=\"#\"><em>GPA exclusions<\/em><\/a> and limits before buying<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Incomplete or inaccurate employee data<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Pricing errors and disputed coverage<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Use one verified census<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not confirming the eligible population<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Some employees may miss out<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Agree the eligibility rules in writing before purchase<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Assuming add-ons are included<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefits may be missing<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Check the schedule<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Treating an online enquiry as cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">No policy exists until the insurer issues it<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Wait until you receive the policy schedule<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not checking the schedule and dates<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Wrong dates or names<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Review before paying<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Ignoring claim conditions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Late or incomplete claims<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Brief HR and employees on the claim process<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not keeping records or telling employees<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefits go unused because employees don\u2019t know about them<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Store documents, and also communicate the benefits<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Assuming GPA meets statutory duties<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Legal obligations may be unmet<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Check statutory requirements separately<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Conclusion<\/h2>\n<p>A good GPA purchase rests on four things: cover chosen for your workforce\u2019s real needs, accurate employee data, quotations compared on the same basis, and a final policy checked before you pay. Above all, buy Group Personal Accident cover, not just a premium: the right policy is one whose benefits, limits and exclusions fit your people.<\/p>\n<p>When you\u2019re ready, <a href=\"https:\/\/securenow.in\/group-insurance\/group-personal-accident-insurance\"><em>request a GPA quotation<\/em><\/a> from SecureNow and compare options for your organisation.<\/p>\n<p><em>This article is general information, not legal advice. Coverage, processes and requirements depend on the insurer and the policy wording. Insurance is the subject matter of solicitation.<\/em><\/p>\n<h3>Frequently Asked Questions<\/h3>\n<h4>Q) Who should buy Group Personal Accident Insurance?<\/h4>\n<p><strong>A)<\/strong> Any employer that wants to provide defined accident benefits to employees can consider it. It is particularly relevant for field, travelling, manufacturing and operational workforces, but office-based organisations also buy it as an employee benefit.<\/p>\n<h4>Q) Is GPA insurance compulsory for every organisation?<\/h4>\n<p><strong>A)<\/strong> We found no general legal requirement to buy GPA. Moreover, the Code on Social Security, 2020 or ESI governs statutory injury compensation separately, so buying GPA does not automatically satisfy those obligations.<\/p>\n<h4>Q)\u00a0How should an employer choose the sum insured?<\/h4>\n<p><strong>A)<\/strong> Start with the support you want to give employees and their families, then choose a flat, salary-multiple or graded structure that the insurer offers, and test the cost against your budget.<\/p>\n<h4>Q)\u00a0What employee information is needed for a GPA quotation?<\/h4>\n<p><strong>A)<\/strong> Usually the business activity, number of employees, occupation categories and proposed cover. Final underwriting may also need a census file, ages, salaries for salary-linked cover, and claims history, depending on the insurer.<\/p>\n<h4>Q) Is it better to buy GPA insurance directly or through a broker?<\/h4>\n<p><strong>A)<\/strong> Neither is better in every case. Direct purchase suits teams with insurance expertise, while a broker can collect and compare several quotations and help with administration. Check any broker\u2019s IRDAI licence.<\/p>\n<h4>Q) Can an employer buy GPA insurance online?<\/h4>\n<p><strong>A)<\/strong> You can usually request a quotation online, but issuing the policy normally also needs underwriting, a proposal, acceptance and payment. The process varies by insurer and intermediary.<\/p>\n<h4>Q) How should HR compare GPA insurance quotations?<\/h4>\n<p><strong>A)<\/strong> Make sure every quotation covers the same employees, sum insured, benefits and period. Then compare definitions, add-ons, exclusions, premium before tax, total payable, claims support and renewal terms.<\/p>\n<h4>Q) What should an employer check before finalising a GPA policy?<\/h4>\n<p><strong>A)<\/strong> Check the policy schedule and wording: the insured list, sum insured, benefits, add-ons, exclusions, effective date and premium. Then keep the documents and explain the cover to employees.<br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Who should buy Group Personal Accident Insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Any employer that wants to provide defined accident benefits to employees can consider it. 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When you have chosen [&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":[3371,3372,3373,3374,3375,3376,3377,3378,3379,3380,3381,3382,3383,3384,3385],"class_list":["post-37220","post","type-post","status-publish","format-standard","hentry","category-group-personal-accident","tag-buy-group-personal-accident-cover","tag-buy-personal-accident-insurance-online","tag-buying-process-of-group-personal-accident-insurance","tag-can-i-buy-group-personal-accident-insurance-online","tag-employee-accident-cover","tag-employee-census","tag-gpa-insurance-quotation","tag-gpa-policy-purchase","tag-group-insurance-for-employees","tag-hr-insurance-buying","tag-insurance-broker-vs-direct","tag-is-group-personal-accident-insurance-mandatory-in-india","tag-should-i-buy-gpa-through-a-broker","tag-what-data-is-needed-for-a-gpa-quote","tag-who-should-buy-group-personal-accident-insurance"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37220","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=37220"}],"version-history":[{"count":1,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37220\/revisions"}],"predecessor-version":[{"id":37221,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37220\/revisions\/37221"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=37220"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=37220"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=37220"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}