Group Coverage · sub-product

Group Personal Accident (GPA)

24-hour worldwide cover for accidental death, permanent disability and temporary disablement of employees. A statutory-adjacent benefit for any employer with a workforce, and a contractual requirement for many sector-specific operations.

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Coverage at a Glance

Accidental Death

100% of capital sum insured paid to nominee

Permanent Disablement

Full or proportionate benefit based on injury schedule

Temporary Disablement

Weekly income benefit during disability period

24/7 Worldwide

Cover applies at work, in transit, abroad and during leisure

Coverage

What this sub-cover provides

A focused placement that responds to the specific transit, treatment or workforce event this cover is designed for.

Accidental death

100% of the capital sum insured paid to the employee's nominee in the event of accidental death within 12 months of the event.

Permanent total disablement

100% of the capital sum insured for injuries resulting in total and permanent loss of earning capacity - loss of both limbs, both eyes, or one of each.

Permanent partial disablement

Percentage of the capital sum insured per the standard PPD schedule for partial permanent injuries - single limb, single eye, partial hearing loss, etc.

Temporary total disablement

Weekly income benefit (typically 1% of capital sum per week) during the period the employee is unable to attend work due to accident-related injury.

Medical expenses extension

Hospitalisation, surgical and treatment costs arising directly from an accidental injury, reimbursed up to a sub-limit specified in the policy.

24-hour worldwide cover

Applies regardless of location, time of day or whether the accident occurs during work, in transit or during leisure. Worldwide jurisdiction by default.

Group Coverage

Our Approach

The lowest-premium, highest-value benefit in any group programme.

Group Personal Accident is the most cost-efficient employee benefit available to Indian employers: it buys more protection per rupee of premium than any other group cover, with a benefit structure that responds across accidental death, disability and income loss. Most employers under-buy on capital sum because they over-buy on premium efficiency, we calibrate the cover against actual income replacement needs.

Key Benefits

What you get when we place this cover

Capital sum sized to income replacement

Sum insured calibrated to two to three times annual cost-to-company, not a flat round number that bears no relationship to the employee's family obligations.

PPD schedule audited at placement

We review the permanent partial disablement schedule across insurer offerings - the differences are material and most procurement teams never look.

Weekly TTD benefit alignment

Weekly temporary disablement benefit set against actual income replacement levels for the workforce, with maximum benefit duration extended where industry norms require.

Worldwide cover as default

GPA placed with worldwide jurisdiction extension as standard, not restricted to India - critical for any employer with international travel or expat staff.

Which cover pays

GPA, EC Act and group health are three different promises

Employers are routinely told one of these makes the others unnecessary. They answer different questions, and an employee injured on a Sunday finds out which.

Group Personal Accident

Pays a lump sum on accidental death or disability, anywhere in the world, at any hour, whether or not the employee was working. Benefit is the agreed capital sum, not a proven loss. It does not pay for illness, and it does not pay hospital bills beyond any medical extension you buy.

Employees' Compensation, EC Act

A statutory liability of the employer for accidents arising out of and in the course of employment. It follows the compensation schedule in the Act rather than a sum you choose, and it stops at the factory gate. A commute or a weekend is outside it.

Group medical

Pays hospitalisation costs for illness and injury alike, against actual bills, up to the sum insured per family. It does not pay anything for death, it does not replace lost income, and a disability that ends someone's earning life is not a claim under it.

The gap employers miss sits between the first two. EC Act cover answers to the law and stops where employment stops. GPA answers to the family and does not. A workforce carrying only the statutory cover is protected for part of the week.

FAQ

Common Questions

GPA is not statutorily required in the same way EC Act cover is, but it is contractually required by many principal employers, government tenders and corporate buyers. For factory operations, mining and construction, GPA is effectively expected as part of basic workforce benefits.

EC Act cover responds only to employment-related accidents and follows the statutory compensation schedule under the Act. GPA covers accidents 24/7 worldwide, regardless of whether they occurred at work, and pays on an agreed capital sum basis - typically much higher than EC Act limits.

Yes, as an extension. The base cover is for named employees on the policy schedule. Family-member cover can be added at additional premium, though it is less common in Indian corporate GPA placements.

Yes. Standard GPA cover applies 24 hours a day, including commuting to and from work, regardless of mode of transport. This is a critical advantage over EC Act cover, which applies only to accidents during work.

Insurers set their own floor and it is usually a small number, often in single figures, but it varies and it is the first thing we confirm in writing for each insurer before recommending one. Where a group is genuinely too small, the same protection can be arranged as individual personal accident cover and converted later.

By income replacement, not by a round figure. The working basis is a multiple of annual cost-to-company for each employee, so the benefit bears some relationship to what the family actually loses. A flat sum applied across a workforce leaves senior people badly under-covered and junior people paying for cover they do not need.

Only through a medical expenses extension, and only up to the sub-limit stated in the policy. The main benefit is a lump sum on death or disability, paid regardless of what was spent. If the object is to cover treatment costs, that is group medical cover, and the two are bought together rather than instead of each other.

No, and they do not substitute for one another. Group medical pays hospitalisation costs against actual bills for illness and injury. GPA pays an agreed sum on accidental death or disability and pays nothing for illness. An employer with only one of the two has a gap that shows up at the worst moment.

Yes. Joiners and leavers are handled by endorsement through the year, with premium charged or refunded for the unexpired period. Keeping the schedule current matters: an employee who never made it onto it is not covered, whatever the intention was.

Illness and disease, since it is an accident cover. Suicide and self-inflicted injury. Accidents while under the influence of drink or drugs. War and nuclear risks. Some policies restrict hazardous activities and aviation other than as a fare-paying passenger. The exclusions list is short, and it is worth reading before you rely on it.

For death: the death certificate, post-mortem report where one was conducted, the FIR or police report for an accident, and the nominee's identity and bank details. For disability: the treating doctor's certificate stating the nature and extent of disablement, hospital records, and the same accident report. Tell us early and we assemble it with you rather than after a delay.