{"id":37222,"date":"2026-11-04T12:14:59","date_gmt":"2026-11-04T12:14:59","guid":{"rendered":"https:\/\/securenow.in\/insuropedia\/?p=37222"},"modified":"2026-11-04T12:14:59","modified_gmt":"2026-11-04T12:14:59","slug":"group-personal-accident-insurance-premium-cost-rates-pricing-guide","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/group-personal-accident-insurance-premium-cost-rates-pricing-guide\/","title":{"rendered":"Group Personal Accident Insurance Premium &#8211; Cost, Rates &#038; Pricing 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;\">The premium for a Group Personal Accident (GPA) policy depends on the sum insured chosen, the type of work employees do, the size and make-up of the group, the benefits and add-ons selected, and the insurer\u2019s underwriting terms. In addition, claims history can affect renewals. As a result, no single market rate applies to every employer. Instead, get written quotations and compare benefits, limits and exclusions as well as price.<\/p>\n<\/div>\n<p>Group Personal Accident insurance pays benefits when an employee dies or is disabled in an accident. For employers, however, the question soon turns to cost: what will it cost, and why do two quotations for the same workforce differ?<\/p>\n<p>The right price for Personal Accident Insurance is not simply the lowest number on a quotation. Rather, it is a premium that buys the cover your employees actually need, on terms you understand. This guide explains how insurers build a GPA premium, how the choice of cover structure changes the amount insured, what existing Group Term Life (GTL) cover does and doesn\u2019t change, and how to compare quotations properly.<\/p>\n<h2>What Is a Group Personal Accident Insurance Premium?<\/h2>\n<p>A GPA premium is the amount an employer pays the insurer for accident cover for a group of employees over the policy period, usually a year. In other words, it reflects the insurer\u2019s view of how likely and how costly accident claims will be for that group, given the cover chosen.<\/p>\n<p>The premium is tied to the cover. So if you raise the sum insured, add benefits or include higher-risk roles, the insurer\u2019s exposure rises. For a reminder of what the cover includes, see <a href=\"https:\/\/securenow.in\/insuropedia\/what-is-covered-under-group-personal-accident-insurance\/\"><em>what a GPA policy covers<\/em><\/a>.<\/p>\n<p>Three amounts are worth separating:<\/p>\n<ul>\n<li><strong>Quoted premium<\/strong> &#8211; the insurer\u2019s price for the cover, before tax.<\/li>\n<li><strong>GST<\/strong> &#8211; tax added to the premium. The Department of Financial Services states that the 18% GST rate applies to group insurance policies. However, the exemption from 22 September 2025 covers individual life and health policies only.<\/li>\n<li><strong>Total payable<\/strong> &#8211; premium plus GST and any other charges stated in the quotation.<\/li>\n<\/ul>\n<h2>How Is GPA Premium Calculated?<\/h2>\n<p>Insurers price GPA by assessing the group\u2019s accident risk and the cover requested, so the premium is the result of several factors rather than a single published rate. Shriram General Insurance, for example, lists the nature of work and occupation, industry risks, past claims and loss ratio, the age and gender profile, group size and composition, the coverage limit and add-ons. However, each insurer weights these factors in its own way.<\/p>\n<h3>Sum Insured<\/h3>\n<p>The sum insured is the benefit amount for each employee, and insurers use it to calculate death and disability payouts. A higher sum insured increases what the insurer could pay, so it usually increases the premium. The relationship isn\u2019t the same with every insurer, though, and the benefit structure matters too.<\/p>\n<p>Also, insurers do not calculate every benefit the same way. Permanent partial disability is often paid as a percentage of the sum insured, while temporary disability may be a weekly amount and medical expenses may have a separate limit. So check how the policy defines each benefit.<\/p>\n<h3>Occupation Class and Nature of Work<\/h3>\n<p>Insurers may charge more for employees who face more physical risk at work. For instance, desk-based staff generally present a different accident profile from field sales teams who travel, technicians, drivers, or workers on construction or factory sites.<\/p>\n<p>Generally, insurers classify occupations into risk categories. For example, a United India Insurance GPA schedule from 2021 lists insured persons under \u201cRisk Category I\u201d and \u201cRisk Category II\u201d. Category names, definitions, and loadings vary by insurer, so ask each one how it has classified your employees. Also, one organisation may have staff in several categories.<\/p>\n<h3>Group Size<\/h3>\n<p>Generally, the number of employees affects how the insurer underwrites the group. For example, a larger group spreads risk across more people, and insurers may give more weight to its own claims experience. Group size alone doesn\u2019t guarantee a lower rate, because the occupation mix, sum insured, and benefits still drive the price.<\/p>\n<p>Insurers may also set minimum group sizes or participation rules. Therefore, check these in the quotation.<\/p>\n<h3>Add-ons and Benefit Structure<\/h3>\n<p>Likewise, optional extensions &#8211; such as medical expenses, children\u2019s education or ambulance cover &#8211; usually add to the premium (see below).<\/p>\n<h3>Claims History<\/h3>\n<p>At renewal, insurers may review the group\u2019s past claims. For example, Shriram General calls this \u201cexperience rating\u201d, which uses the group\u2019s own claims and loss history (see below).<\/p>\n<h3>Other Underwriting Factors<\/h3>\n<p>Other factors may apply, depending on the insurer:<\/p>\n<ul>\n<li><strong>Age and gender profile<\/strong> of the workforce (listed by Shriram General).<\/li>\n<li><strong>Geography and travel<\/strong> &#8211; where employees work and travel.<\/li>\n<li><strong>Policy duration<\/strong> &#8211; SecureNow\u2019s infographic page suggests that multi-year arrangements may help; confirm availability and terms with the insurer.<\/li>\n<li><strong>Benefit tables<\/strong> &#8211; some insurers offer set tables, for example death only, or death plus all disability benefits. The UIIC schedule shows both.<\/li>\n<\/ul>\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;\">Pricing factor<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">How it may influence premium<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Questions employers should ask<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">What must be verified<\/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;\">Higher cover usually means a higher premium<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">How does the premium change at different SI levels?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Benefit definitions for each SI<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Occupation and job duties<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Riskier roles may be priced higher<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Which risk category is each role in?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">The insurer\u2019s classification of your staff<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Group size<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Affects how risk is assessed; no guaranteed discount<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Are there minimum numbers or participation rules?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Eligibility and participation terms<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Add-ons and benefits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Each extension may add cost<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">What does each add-on cost separately?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Limits and exclusions for each add-on<\/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;\">May influence renewal pricing<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">What claims data is used, and how?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Renewal terms in writing<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Other underwriting factors<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Age profile, geography, travel, duration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Which other factors apply to this quote?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Quotation terms and conditions<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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\/right-price-to-buy-group-personal-accident-insurance.jpg\" alt=\"Right Price To Buy Group Personal Accident Insurance \u2013 factors that influence the premium\" width=\"842\" height=\"1190\" \/><figcaption class=\"wp-caption-text\">Right Price To Buy Group Personal Accident Insurance \u2013 factors that influence the premium<\/figcaption><\/figure>\n<h2>Flat Sum Insured vs Salary-Multiple Sum Insured<\/h2>\n<p>Employers can usually set GPA cover either as the same fixed amount for everyone or as a multiple of each employee\u2019s salary, where the insurer offers that option. This choice therefore changes how much cover each person gets and the insurer\u2019s total exposure.<\/p>\n<p><strong>Flat sum insured.<\/strong> Every eligible employee, or every employee in a category, gets the same cover &#8211; for example, \u20b910 lakh each. As a result, it is simple to administer and easy to explain.<\/p>\n<p><strong>Salary-multiple sum insured.<\/strong> Cover is linked to salary &#8211; for example, three times annual salary. As a result, higher earners get more cover, which tracks their income loss more closely. However, it needs accurate salary data, a clear definition of \u201csalary\u201d (basic pay, gross pay or cost to company), and rules for updating it when pay changes. Insurers may also apply a maximum cap. 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, including designation-based grades.<\/p>\n<p>Overall, neither approach is automatically cheaper. The total cover &#8211; and so the premium &#8211; depends on your salary spread and the figures chosen.<\/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;\">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 sum insured<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">How cover is determined<\/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;\">Effect of different employee salaries<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">None &#8211; everyone gets the same cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Cover rises with salary<\/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;\">Employee list only<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accurate, current salary data and a salary definition<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Potential effect on total insured exposure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Fixed: 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 as headcount changes<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Changes with salary increases and new hires<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Important checks before selection<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Is the amount adequate for higher earners?<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Salary definition, caps, update rules, insurer acceptance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Illustrative comparison: cover exposure, not premium<\/h3>\n<p><em>Hypothetical figures for illustration only. Specifically, this example compares the total amount insured, not the premium.<\/em><\/p>\n<p><strong>Assumptions:<\/strong> five employees; a flat sum insured of \u20b910,00,000 each; or a salary multiple of 3\u00d7 annual salary, shown with and without a \u20b930,00,000 cap.<\/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;\">Employee<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Annual salary<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Flat SI<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">3\u00d7 salary<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">3\u00d7 salary, capped at \u20b930 lakh<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">A<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b93,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b910,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b99,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b99,00,000<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">B<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b94,80,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b910,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b914,40,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b914,40,000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">C<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b96,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b910,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b918,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b918,00,000<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">D<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b99,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b910,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b927,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b927,00,000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">E<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b918,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b910,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b954,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b930,00,000<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2; font-weight: bold;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Total exposure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b950,00,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b91,22,40,000<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b998,40,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>In this group, the salary-multiple structure insures much more in total, so it would likely cost more. Employee A, however, gets less cover than under the flat option. In addition, a cap changes the result significantly. On the other hand, with a different salary spread or a lower multiple, the comparison could go the other way. In any case, actual benefits depend on the policy schedule, definitions and limits.<\/p>\n<h2>How Add-ons and Benefit Limits Affect GPA Premium<\/h2>\n<p>Each optional benefit adds to the insurer\u2019s potential liability, so add-ons usually increase the premium. For example, SecureNow lists 15 <a href=\"https:\/\/securenow.in\/insuropedia\/illustrate-15-add-on-coverage-available-under-the-gpa-policy\/\"><em>GPA add-on covers<\/em><\/a>, including accidental medical expenses, children\u2019s education benefit and ambulance charges. However, not every insurer offers every add-on.<\/p>\n<p>Moreover, limits matter as much as the add-on itself. A medical-expense extension capped at a small percentage of the sum insured costs less than one with a higher limit. SecureNow explains how <a href=\"https:\/\/securenow.in\/insuropedia\/how-do-different-options-for-medical-expenses-work-in-group-personal-accident-policy\/\"><em>medical expenses under GPA<\/em><\/a> are limited.<\/p>\n<p>The core benefit structure also affects price. Covering only accidental death costs less than covering death plus permanent and temporary disability, because fewer events trigger a payout.<\/p>\n<p>Ask insurers to price each add-on separately, so you can judge its value rather than accepting a bundle.<\/p>\n<h2>Can Claims History Affect GPA Renewal Rates?<\/h2>\n<p>Yes, it can. Insurers may review a group\u2019s claims experience at renewal, but there is no fixed rule linking a given claims record to a given premium change. A group with frequent or large claims may face a higher renewal quotation; a group with few claims may be in a stronger position to negotiate. SecureNow\u2019s infographic page notes that employers with low claims over several years may obtain lower premiums. In short, that is possible, not guaranteed.<\/p>\n<p>Renewal pricing can also change for other reasons: more or fewer employees, a different occupation mix, a higher sum insured, new add-ons, or changes in the insurer\u2019s underwriting approach. In other words, last year\u2019s rate is not a promise for next year. For this reason, keep your own claims records, so you can discuss renewal terms with the facts in front of you.<\/p>\n<h2>GPA GTL Bundling: Can Existing GTL Cover Reduce Costs?<\/h2>\n<p>GPA and Group Term Life (GTL) cover different risks, and having GTL does not by itself lower the GPA rate. It can, however, lead to a different GPA design that may cost less.<\/p>\n<p><strong>Group Personal Accident<\/strong> pays for accidental death and, depending on the policy, permanent total disability (PTD), permanent partial disability (PPD), temporary total disability (TTD), and add-ons. <a href=\"https:\/\/securenow.in\/group-insurance\/group-term-life-insurance\"><strong><em>Group Term Life insurance<\/em><\/strong><\/a> pays a death benefit when an employee dies from almost any cause &#8211; illness or accident &#8211; subject to its terms. SecureNow\u2019s GTL page notes that accidental death, disability, and critical illness riders are available.<\/p>\n<p>When an employee has both covers and dies in an accident, both policies normally pay. When the death is from illness, only GTL pays.<\/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;\">Factor<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Personal Accident (GPA)<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Group Term Life (GTL)<\/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;\">Financial support after accidental death or disability<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Financial support to the family after death<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Main covered event or trigger<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">An accident causing death or disability<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Death from covered causes, natural or accidental<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Relationship to accidental injury<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Central &#8211; cover applies only to accidents<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Not required, except for an accident rider<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Relationship to death benefits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Accidental death only<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Death from covered causes<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">How benefits are determined<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured; percentages for partial disability; weekly TTD amount<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum assured per member<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Important policy checks<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Disability definitions, add-ons, exclusions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Exclusions, riders, eligibility, free cover limit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Can Existing GTL Cover Reduce the GPA Premium?<\/h3>\n<p>SecureNow\u2019s source article suggests that an employer with GTL could remove the accidental death benefit from the GPA policy. GTL would then cover all deaths, while GPA would continue to provide disability benefits and add-ons. Because the GPA policy would cover fewer events, the GPA premium would likely fall.<\/p>\n<p>Three things are important to understand:<\/p>\n<ul>\n<li><strong>This is a cover change, not a discount.<\/strong> In effect, the employer buys less GPA coverage. As a result, families of employees who die in accidents would no longer receive the extra GPA death payout.<\/li>\n<li><strong>The size of any savings is unverified.<\/strong> The source article\u2019s figure of \u201capproximately 25-40%\u201d cites no data, so you should not rely on it. Instead, only a written quotation for both structures shows the real difference.<\/li>\n<li><strong>Availability depends on the insurer.<\/strong> Not every insurer may quote GPA without accidental death, or on the same terms. Some may offer a combined quotation; however, ask the insurer to confirm that in writing too.<\/li>\n<\/ul>\n<p>Therefore, compare the total cost and total cover of both policies together, not just the GPA rate.<\/p>\n<p><strong>Questions employers should ask<\/strong><\/p>\n<ul>\n<li>Is a combined GPA and GTL quotation available?<\/li>\n<li>Is any GPA rate concession offered because GTL is already in place? On what conditions?<\/li>\n<li>Does a concession apply to all employees, or only some categories?<\/li>\n<li>How does the premium for GPA without accidental death compare with the full cover?<\/li>\n<li>Does the GTL policy include an accidental death benefit rider, and at what cost?<\/li>\n<li>Are limits, exclusions, and benefits equivalent across the options?<\/li>\n<li>Are renewal terms or minimum participation conditions affected?<\/li>\n<\/ul>\n<p>SecureNow explains the disability benefits that remain under GPA in its guide to the <a href=\"https:\/\/securenow.in\/insuropedia\/what-are-different-types-disabilities-covered-group-personal-accident-plan\/\"><em>types of disability covered<\/em><\/a>.<\/p>\n<h2>Illustrative GPA Premium Example<\/h2>\n<p>We could not verify a current, comparable GPA rate for Indian employer groups, so this section shows how to work through a real quotation rather than estimating a price. Ask insurers for written quotations on the same basis, then complete this worksheet for each one.<\/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;\">Input<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Value required<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Source of the value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Number of eligible employees<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employer\u2019s employee list<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Sum insured or benefit structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employer\u2019s selected cover<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Occupation profile<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employee job categories<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Selected add-ons<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Policy quotation<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Quoted base premium or rate<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Verified insurer quotation<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Taxes and other charges<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Quotation or applicable tax documentation<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Total quoted premium<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\"><\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Insurer quotation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>The calculation<\/strong><\/p>\n<ul>\n<li><strong>Total payable<\/strong> = quoted premium + GST + any other stated charges<\/li>\n<li><strong>GST<\/strong> = quoted premium \u00d7 the applicable rate (18% for group insurance policies, per the DFS FAQ; confirm on the quotation)<\/li>\n<li><strong>Average cost per insured employee<\/strong> = total payable \u00f7 number of insured employees<\/li>\n<\/ul>\n<h3>Arithmetic illustration (fictional teaching values)<\/h3>\n<p><em>We invented these figures to show the arithmetic. They are <strong>not<\/strong> market rates and <strong>not<\/strong> an estimate of what any employer should expect to pay.<\/em><\/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;\">Step<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Fictional value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Employees insured<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">200<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Quoted premium (before GST)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b91,00,000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">GST at 18%<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b918,000<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Total payable<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b91,18,000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Average cost per employee (\u20b91,18,000 \u00f7 200)<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">\u20b9590<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The average per employee is useful for budgeting, but it can hide differences in cover. An employee in a higher-risk category may cost more to insure than this average suggests.<\/p>\n<h2>How to Compare GPA Insurance Quotations<\/h2>\n<p>Compare GPA quotations on equal terms &#8211; the same sum insured, benefits, and employee data &#8211; before comparing prices. After all, the cheapest quotation is not the best value if it covers less.<\/p>\n<p><strong>Quote tool.<\/strong> SecureNow\u2019s <a href=\"https:\/\/securenow.in\/group-insurance\/group-personal-accident-insurance\"><em>Group Personal Accident page<\/em><\/a> has a quote-request tool that asks for contact details and employee count. However, it is a quotation request, not an instant premium calculator. SecureNow does not currently offer a dedicated GPA premium calculator.<\/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;\">What to compare<\/th>\n<th style=\"padding: 10px 12px; border: 1px solid #d0d7de; text-align: left;\">Why it matters<\/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;\">Amount per employee and structure<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Different cover means different prices<\/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;\">AD, PTD, PPD and TTD definitions and percentages<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Lower disability payouts may explain a lower price<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Occupation eligibility<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Who is covered, and in which category<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Excluded roles leave gaps<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Medical-expense cover or other add-ons<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Which are included, and their limits<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Add-ons drive price and value<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Exclusions and conditions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Exclusions, territorial and time-of-day cover<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Narrow cover can mean claims are refused<\/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;\">Quoted premium<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Compare like for like<\/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;\">GST and other charges<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Budget the real cost<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claims support and process<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Claim channels, documents, support<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Affects employees\u2019 experience after an accident<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">GPA-GTL bundling terms<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Any combined offer and its conditions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Concessions may carry conditions<\/td>\n<\/tr>\n<tr style=\"background: #f2f2f2;\">\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Renewal and policy conditions<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Renewal basis, participation rules, duration<\/td>\n<td style=\"padding: 10px 12px; border: 1px solid #d0d7de;\">Affects next year\u2019s cost<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Common Mistakes When Comparing GPA Premiums<\/h2>\n<ul>\n<li><strong>Comparing quotes with different sums insured or benefits.<\/strong> So check that every quotation is for the same cover.<\/li>\n<li><strong>Assuming a larger group always gets a lower rate.<\/strong> Equally, occupation mix and benefits matter.<\/li>\n<li><strong>Ignoring the occupation classification.<\/strong> So check which category each role is in.<\/li>\n<li><strong>Overlooking exclusions.<\/strong> After all, a cheaper policy may exclude events your employees face.<\/li>\n<li><strong>Assuming GTL automatically reduces the GPA cost.<\/strong> Instead, any savings come from changing the cover, or from an offer confirmed in writing.<\/li>\n<li><strong>Comparing premiums without GST.<\/strong> Instead, budget for the total payable.<\/li>\n<li><strong>Treating last year\u2019s rate as fixed.<\/strong> In fact, renewal pricing can change.<\/li>\n<\/ul>\n<h2>Conclusion<\/h2>\n<p>A GPA premium reflects choices the employer makes &#8211; the sum insured, its structure, the benefits and add-ons &#8211; as well as the insurer\u2019s view of the workforce\u2019s risk. Therefore, understanding those factors helps you compare quotations on equal terms and avoid paying for cover you don\u2019t need, or losing cover you do.<\/p>\n<p>When you are ready, <a href=\"https:\/\/securenow.in\/group-insurance\/group-personal-accident-insurance\"><em>request a GPA quotation<\/em><\/a> from SecureNow and compare the options for your employees.<\/p>\n<p><em>This article is general information. Premiums, benefits, and terms depend on the insurer\u2019s underwriting and the policy wording. Insurance is the subject matter of solicitation.<\/em><\/p>\n<h3>Frequently Asked Questions<\/h3>\n<h4>Q) How much does Group Personal Accident Insurance cost?<\/h4>\n<p><strong>A)<\/strong> There is no single price. Instead, the cost depends on the sum insured, the occupations covered, the group\u2019s size and profile, the benefits and add-ons chosen, and the insurer\u2019s underwriting. So request written quotations based on your own employee data.<\/p>\n<h4>Q)\u00a0How is a GPA insurance premium calculated?<\/h4>\n<p><strong>A)<\/strong> Generally, insurers assess the group\u2019s accident risk and the cover requested, looking at factors such as the sum insured, nature of work, group size and age profile, add-ons and past claims. The insurer then adds GST to the quoted premium.<\/p>\n<h4>Q) Does the number of employees affect GPA premium?<\/h4>\n<p><strong>A)<\/strong> It can affect how the insurer assesses the group, but a larger group doesn\u2019t guarantee a lower rate. Occupation mix, benefits and claims experience also matter. In addition, insurers may set minimum group sizes.<\/p>\n<h4>Q)\u00a0Does a higher sum insured increase the premium?<\/h4>\n<p><strong>A)<\/strong> Usually, yes, because the insurer\u2019s potential payout is larger. However, the exact effect depends on the insurer and the benefit structure.<\/p>\n<h4>Q) Is a flat sum insured cheaper than salary-multiple cover?<\/h4>\n<p><strong>A)<\/strong> Not automatically. Instead, it depends on your salary spread, the multiple, any cap, and the flat amount chosen. Compare the total cover each option produces before comparing premiums.<\/p>\n<h4>Q) <span style=\"font-size: 16px;\">Can existing GTL cover reduce the GPA premium?<\/span><\/h4>\n<p><strong>A)<\/strong> Not by itself. An employer with GTL may choose to remove the accidental death benefit from GPA, which would likely lower the GPA premium but also reduce cover. In any case, the insurer must confirm any saving or concession in a written quotation.<\/p>\n<h4>Q) Does claims history affect GPA renewal pricing?<\/h4>\n<p><strong>A)<\/strong> It can. Specifically, insurers may review a group\u2019s claims experience at renewal, along with changes in headcount, occupation mix and cover. However, there is no fixed adjustment for a particular claims record.<\/p>\n<h4>Q)\u00a0How can an employer compare GPA insurance quotations?<\/h4>\n<p><strong>A)<\/strong> First, ask every insurer to quote on the same employee data, sum insured and benefits. Then compare definitions, add-ons, exclusions, premium before GST, total payable, claims support and renewal terms.<br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much does Group Personal Accident Insurance cost?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"There is no single price. The cost depends on the sum insured, the occupations covered, the group\u2019s size and profile, the benefits and add-ons chosen, and the insurer\u2019s underwriting. 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Compare the total cover each option produces before comparing premiums.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can existing GTL cover reduce the GPA premium?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Not by itself. An employer with GTL may choose to remove the accidental death benefit from GPA, which would likely lower the GPA premium but also reduce cover. Any saving or concession must be confirmed in a written quotation.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does claims history affect GPA renewal pricing?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It can. Insurers may review a group\u2019s claims experience at renewal, along with changes in headcount, occupation mix and cover. There is no fixed adjustment for a particular claims record.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How can an employer compare GPA insurance quotations?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Ask every insurer to quote on the same employee data, sum insured and benefits. Then compare definitions, add-ons, exclusions, premium before GST, total payable, claims support and renewal terms.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction The premium for a Group Personal Accident (GPA) policy depends on the sum insured chosen, the type of work employees do, the size and make-up of the group, the benefits and add-ons selected, and the insurer\u2019s underwriting terms. In addition, claims history can affect renewals. As a result, no single market rate applies to [&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":[1527,2568,3339,3386,3387,3388,3389,3390,3391,3392,3393,3394,3395,3396],"class_list":["post-37222","post","type-post","status-publish","format-standard","hentry","category-group-personal-accident","tag-group-term-life-insurance","tag-sum-insured","tag-salary-multiple","tag-can-gtl-cover-reduce-gpa-premium","tag-does-group-size-reduce-gpa-premium","tag-flat-vs-salary-multiple-sum-insured-in-gpa","tag-gpa-insurance-cost","tag-gpa-premium-per-employee","tag-gpa-rates","tag-gst-on-group-insurance","tag-how-is-group-personal-accident-premium-calculated","tag-how-to-compare-gpa-insurance-quotes","tag-occupation-class","tag-personal-accident-insurance-pricing"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37222","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=37222"}],"version-history":[{"count":1,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37222\/revisions"}],"predecessor-version":[{"id":37223,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/37222\/revisions\/37223"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=37222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=37222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=37222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}