Group Personal Accident Insurance for Employees
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Everything you need to know
What Is Group Personal Accident (GPA) Insurance?
Group Personal Accident (GPA) insurance pays a lump sum if an employee dies or is disabled in an accident, and can cover accident medical expenses and lost income. It usually covers accidents 24x7, at work and outside it. The sum insured is a fixed amount or a multiple of salary, and the employer pays the premium.
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
What is covered under GPAI?
Accidental Death
100% of sum insured paid to the nominee.
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 benefit while unable to work, up to the number of weeks in the policy (optional, depends on the plan).
Accident Medical Expenses
Hospital and treatment costs after an accident, up to the limit in the policy (optional).
Kids' Education
Helps with school fees if something happens (optional, depends on the plan).
Funeral Costs
Covers expenses for final arrangements (optional, depends on the plan).
Home & Car Mods
Helps with changes needed for mobility (optional, depends on the plan).
Hospital Cash
A daily amount while hospitalised after an accident (optional).
Why It's a Good Idea?
Protects Your People
Protects employees' families from the cost of an accident.
Happy Team
Shows you care and improves morale and retention.
Keeps Things Running
Quick support means less disruption and a stronger team.
Smart Money
Costs less than individual accident policies.
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 as soon as possible, within the period in your policy.
Key Documents
FIR or police report (required for road accidents, and for accidental death), 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.
FAQs
Most GPA policies cover accidents worldwide, 24x7. Check the territory clause in your policy.
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.
The police inquest report on the apparent cause of an unnatural death.
The police record of the accident scene, including the location and the condition in which 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.