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Group Personal Accident Insurance

Secure your employee’s futures with Group Personal Accident (GPA) Insurance—your staff’s safety net against accidental impairments or death.

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    5+ years of collective insurance experience

    ₹ 4000 Cr+ of cumulative risks insured

    What Is

    Group Personal Accident Insurance ?

    Group Personal Accident Insurance provides financial compensation to employees or members of a group in the event of accidental death, dismemberment, or permanent total disability. It is a valuable benefit for businesses, organizations, and associations that want to protect their employees or members from the financial impact of accidents.

    Features Of

    Group PersonaI Accident Insurance ?

    Small to large organizations can avail themselves of GPA Insurance for their employees and board members.

    Coverage includes medical expenses, hospitalization costs, disability benefits, and death.

    In cases of permanent disability or death, an educational fund may be available for dependent children.

    Who Needs

    Group Personal Accident Insurance ?

    Business owners with an official registration can consider offering health insurance to their employees. Regardless of the business size, from startups to large enterprises, ensuring your team has health coverage promotes well-being and health security for all members of the organization.

    Early Stage Startups : Investing in a group personal accident insurance policy for your team can accelerate growth by both attracting and retaining top-notch talent.

    SMEs : Group health insurance aids SME employees in navigating healthcare expenses and obtaining quality healthcare services. SMEs have the opportunity to purchase tailored healthcare plans and simultaneously enjoy tax benefits.
    Large Organizations : It’s customary for large organizations to extend group health insurance to their employees. Such policies offer uniform coverage to all members, independent of age, gender, or hierarchical position. Here at BimaKavach, we present a spectrum of benefits tailored for sizable enterprises.

    Why Choose

    Group Personal Accident Insurance?

    Accidents are unfortunate events that can financially strain families, especially if the primary breadwinner is involved. GPA insurance provides financial support in such scenarios. It can deliver a lump-sum payment or income replacement, helping cover medical bills, lost wages, or other expenses resulting from the accident. For employers, offering this insurance underlines your commitment to employee well-being and financial security.

    Financial Support

    Provide employees or members with a lump sum payment in case of an accident, helping to cover medical expenses, lost income, and other financial burdens.

    Employee Morale

    Demonstrate your commitment to employee well-being and create a positive work environment.

    Regulatory Compliance

    Meet industry and regulatory requirements for employee benefits.

    Risk Management

    Mitigate the financial impact of accidents on your organization.

    Inclusions in

    Group Personal Accident Insurance ?

    Accidental death benefits

    Dismemberment benefits

    Permanent total disability benefits

    Medical expenses coverage (may have limitations)

    Exclusions in

    Group Personal Accident Insurance ?

    Certain standard exclusions exist :

    Deaths or disabilities resulting from intentional acts or negligence

    Deaths or disabilities caused by pre-existing medical conditions

    Deaths or disabilities resulting from war, terrorism, or nuclear incidents

    Deaths or disabilities due to certain high-risk activities

    About Group Personal Accident Insurance

    Group Personal Accident Insurance can be offered to employees, members of associations, or other groups. The eligibility criteria may vary depending on the policy.
    Coverage limits vary depending on the policy and the specific benefits offered. It's essential to choose a policy with adequate coverage to meet the needs of your employees or members.
    Accidental death benefits provide a lump sum payment in case of accidental death. Dismemberment benefits provide payments based on the severity of the injury, such as loss of a limb or eye.
    Yes, many insurers offer customization options to tailor the policy to your organization's specific requirements.
    Communicate the benefits of the insurance clearly and effectively. Provide educational materials and resources to help employees or members understand the coverage options and how to file claims.

    Group Personal Accident Insurance can be offered to employees, members of associations, or other groups. The eligibility criteria may vary depending on the policy.

    Coverage limits vary depending on the policy and the specific benefits offered. It's essential to choose a policy with adequate coverage to meet the needs of your employees or members.

    Accidental death benefits provide a lump sum payment in case of accidental death. Dismemberment benefits provide payments based on the severity of the injury, such as loss of a limb or eye.

    Yes, many insurers offer customization options to tailor the policy to your organization's specific requirements.

    Communicate the benefits of the insurance clearly and effectively. Provide educational materials and resources to help employees or members understand the coverage options and how to file claims.

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