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The Group Personal Accident policy operates worldwide and could be a 24 hours cover. Different covers are available starting from a restricted package covering only death; to a comprehensive package covering death, permanent disablement and temporary total disablement. GPA insurance covers accidental death, loss of limbs, permanent total and partial disablement based on the underwriting norms with insurance companies.

Features of Group Personal Accident Insurance

A group personal accident insurance has the following characteristics-

  • It is issued to the group of individuals with the same risk profile.

  • This group is formed by an employer for his/her employees, and also the organization.  

  • Travel companies, banks, and other service providers for patrons also are the correct. 

  • The policy covers the expenses and provides compensation to the group members insured for any injury mentioned within the causes occurred in their lives. 

  • It is applicable to the entire world.

Why Group Personal Insurance is required?

A Group term plan provides a perfect cover to safeguard the dependents of your employees from any adversity. A gaggle term life assurance plan helps to hide any quite death of the soul and may help maintain a healthy retention ratio for the employer. Group insurance policy is policy, primarily covers the death of somebody. It's other additional benefits to the insured together with death coverage which might be introduced in policy by paying a further premium.


Group personal accident plans not only cover the accidental hospitalization and death benefits but also offer the subsequent lesser-known additional benefits to the insured group members:

1. Education Allowance:

If a mishap leads to permanent disability, the policyholder’s children would be compensated for his or her education as mentioned within the policy.

2. Repatriation of Remains:

In the case of death in a very far away location, an amount is obtained repatriation of remains as mentioned within the policy.

3. Broken Bones: 

An amount is acquired broken bones resulting from an accident. However, the policy mentions which bone is covered within the plan.

4. Transportation of Mortal Remains: 

If within the case of death of the policyholder, this add-on will reimburse the price incurred in moving the mortal remains from the accident site to the residence, cremation ground or hospital.

5. Permanent Partial Disability: 

If an injury causes permanent partial disability to the policyholder, then the insurer is susceptible to compensate the insured a corpus betting on the incapacity.

6. Permanent Total Disability: In the case of a mishap which causes a permanent disability to the policyholder, the insurer pays the compensation for the sum assured.

7. Weekly Benefit: If the policyholder is fully disabled for a limited period, then the insurance underwriter pays weekly compensation as per the policy conditions.


1. All damages or injuries caused by accidents are usually covered here. These include external, violent, and visual means. It includes death or disability furthermore, which may occur thanks to any of the following:

  • Rail, road, or air accidents Collision or fall

  • Bursting of a gas cylinder

  • Snakebite or frostbite or bite

  • Burning, drowning or poisoning


2. . If you suffer from either partial or complete disability thanks to any accident mentioned above, the losses would be covered by your insurance. The term permanent total or partial disablement is also the loss of limb, vision, etc. Temporary total disablement may be a condition where the patient cannot perform duties; they did before the accident. Both require a medical certificate to be covered by the non-public accident standalone plan. Within the case of death or permanent total disability, lump-sum payment is insured. In partial disability, you get a set percentile of the full amount for a collection number of weeks. The most tenure is 104 weeks.

3. On medical costs, you may be covered for the subsequent instances:

  • Medical expenses and treatment for everyday injuries

  • Hospitalization and similar expenses

  • Costs for corrective surgery

  • Funeral expenses in case of death of the policyholder

  • Double indemnity for death

  • Double indemnity for permanent disablement while using public transport

  • Education costs for children of policyholder, in case of death or complete



1. Intentional suicide attempt or self-inflicted injury

2. Injuries because of civil unrest or war

3. accidents thanks to intoxication like drugs and alcohol

4. Death due to HIV/AIDS

5. Injuries thanks to disorderly behavior 

6. Intentional acts or suicide attempts

7. For personnel on duty with the military, law enforcement agency or        paramilitary organizations

8. Collaborating in unsafe and dangerous sports 

To Know More, Get In Touch With Us!

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