Group Personal Accident Insurance

Group Personal Accident insurance (GPA) is a corporate or institutional policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events.

• In the event of permanent disability caused by an accident, the insurance pays for a pre-determined percentage of the insured amount or a pre-determined multiple of salary.
• If a life is lost due to an accident, the insurance will pay the total insured amount or a pre-determined multiple of salary.
• Pays for medical expenses that arise from treating you after an accident including dental and optical expenses
• Caters for permanent partial disability due to an accident
• Pays a weekly income for the period you are out of work because of injury from an accident.

• Issued to a group of people with similar risk profile.
• Group can be formed by an employer (of employees), organisation, travel company, banks, and other service providers (for customers), etc.
• The insurance covers the expenses and compensates the insured group members for any injury sustained in the course of their lives (except injuries obtained due to excluded causes).