What Is Group Personal Accident Insurance?
Group Personal Accident (GPA) insurance provides employees with compensation for accidental death, permanent total disability, permanent partial disability and temporary total disability.
Cover applies round the clock and anywhere in the world, not just during working hours. Benefits are usually defined as a multiple of salary or as a fixed amount per employee.
Optional extensions include accidental medical expenses, children's education benefit and transportation of mortal remains.
Why Do You Need GPA Insurance?
Employee Security
Supports employees and their families after accidents.
Low Cost
Affordable group premiums for substantial cover.
24x7 Coverage
Covers accidents both on and off duty.
Employer Brand
Strengthens your reputation as a caring employer.
Why Choose Our GPA Services?
We help you offer meaningful accident protection to your entire workforce.
Benefit Structuring
Benefits defined as salary multiples or fixed amounts.
Market Comparison
Quotes compared across insurers.
Member Administration
Additions and deletions of members managed smoothly.
Family Claim Support
Assistance for families through the claim process.
Our Process
- Risk Survey We understand your operations, assets, people and contracts.
- Programme Design The right covers, sums insured and extensions for your risks.
- Market Placement Competitive terms obtained from multiple insurers.
- Policy Issuance Smooth documentation, onboarding and endorsements.
- Claims & Renewals Survey coordination, claim settlement and timely renewals.
Start Your Journey Today
Speak with our team for a personalised, no-obligation discussion.
Frequently Asked Questions
Is GPA mandatory?
It is not mandatory, but it is a highly valued employee benefit.
Does it cover medical expenses?
Accidental medical expenses can be added as an extension.
Is it different from workmen compensation?
Yes. GPA pays fixed benefits regardless of fault; workmen compensation covers legal liability under the Act.
Are contract staff covered?
They can be included if specified in the policy.
How is the premium calculated?
Based on the number of employees, sum insured and the risk class of their occupations.