CrewCare: Accident Insurance That Understands
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GPA General Information
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Know your policy
Everything you need to know
What Is Group Personal Accident (GPA) Insurance?
Group Personal Accident (GPA) Insurance is like a financial hug for your employees and their families if an accident happens. The company pays for it, and it covers everyone.
If someone gets hurt, GPA can help with hospital bills. If something serious happens, like disability or death, they get a payout.
Why Is This Policy Vital
An accident doesn't wait for the right time — it can happen on the job, on a business trip, or on the commute home. Without cover, medical bills or loss of income can hit the employee's family hard, not the company.
GPA Insurance shows employees their safety matters, and it's often a must-have for tenders, client contracts, or compliance in fields with higher on-ground risk.
Know your policy
Understand your insurance before buying
Group Term Life Insurance (GTLI)
Types of Claims
Accidental death, permanent/partial disability, temporary disability, and medical expense reimbursement (if included), weekly benefits.
Claim Intimation
Notify the insurer within 24-48 hours of the incident.
Key Documents
FIR or police report (mandatory for accidents), claim form, medical/disability certificate, photos (if required).
Pro Tips
Medical certification must mention the extent of disability. Delays or missing FIRs are top reasons for rejections.
What is covered under GPAI?
Accidental Death
100% payout to family, if the unthinkable happens.
Total Disability
Full payout to help with long-term support.
Partial Disability
Payout based on the injury, to help get back on track.
Temporary Disability
Weekly or monthly income until you're back on your feet.
Medical Bills
Covers hospital visits, surgeries, and all related expenses.
Kids' Education
Helps with school fees if something happens.
Funeral Costs
Covers expenses for final arrangements.
Home & Car Mods
Helps with changes needed for mobility.
Extra Cash
Daily hospital money and critical illness benefits.
Why It's a Good Idea?
Protects Your People
Accidents happen, GPA keeps things from turning into a money nightmare.
Happy Team
Shows you care, boosts morale, and keeps folks around longer.
Keeps Things Running
Quick support means less disruption and a stronger team.
Smart Money
Affordable coverage that's way better than individual plans.
Faq's
Yes, it provides worldwide coverage.
If completely and permanently disabled due to an accident (e.g. loss of both eyes, hands, or legs), 100% of the Sum Insured is paid.
Partial loss (e.g. speech) is compensated as per a fixed scale. Example: Loss of speech = 50% of Sum Insured.
No, such claims are excluded.
A judicial investigation to determine the cause of unnatural death.
It records the exact location where the body was found.
- Aviation/ballooning, except as a fare-paying passenger in a licensed aircraft.
- Motor racing or trial runs.
- Nuclear energy/radiation-related losses.
- Sexually transmitted diseases, including HIV/AIDS.
- Suicide, self-harm, or attempted suicide.
- Influence of alcohol or drugs.
- Criminal acts or unlawful activities.
- War, invasion, or civil unrest.
- Pregnancy, childbirth, miscarriage, or related complications.