Group Personal Accident Policy
Group Personal Accident Insurance that has your team covered
Easy for employees to claim. Simple for HR to manage. Reliable when it counts.
Group Personal Accident Policy
Group Personal Accident Insurance that has your team covered
Easy for employees to claim. Simple for HR to manage. Reliable when it counts.
Supporting employees goes beyond offering health insurance. Group Personal Accident Insurance provides financial protection if an accident results in bodily injury, disability, or death. It helps employees and their families manage the financial impact of accidents. With ACKO, employers get flexible accident cover, simple policy management, and dedicated claim support.
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What is Group Personal Accident Insurance?Why is Group Personal Accident Insurance Important for Employers and Employees?Key Features What’s Covered What’s Not CoveredHow to Buy a Group Personal Accident Insurance Policy From ACKO?What is the Claiming Process for a Group Personal Accident Insurance Policy?Documents required for accidental death claimsDocuments required for accidental disability claimsWho is Eligible for Group Personal Accident Insurance Cover in India?Frequently Asked QuestionsGroup Personal Accident or GPA Insurance is a type of insurance that protects policyholders and their families financially against the loss of income caused by accidental disablement or death. Offered by employers, associations, and organisations as part of an employee benefits package, it covers all eligible members under a single policy instead of requiring employees to buy individual accident insurance.
A Group Health Insurance policy helps cover hospitalisation expenses arising from illnesses and injuries. A Group Personal Accident (GPA) Insurance policy, on the other hand, focuses specifically on protecting employees against accident-related risks. Together, these two policies offer broader financial protection for employees.
To know more, read: Difference Between GMC and GPA Insurance Policy.
Here are the key highlights of ACKO’s Group Personal Accident Insurance.
| Key Feature | ACKO Advantage |
| Flexible sum insured | Employers can choose the coverage amount based on workforce requirements. |
| Employer-sponsored cover | One policy covers eligible employees. |
| Optional add-on benefits | Employers can customise coverage with additional benefits. |
| Simple policy management | Easy administration for employers. |
| Dedicated claims support | Assistance throughout the claims process. |
Following are some of the major coverages included in GPA insurance. Please read the applicable policy wording for details.
A Group Personal Accident Insurance policy provides financial protection when an insured employee suffers an accidental injury, disability, or death. The exact coverage depends on the policy terms, but the following are some of the common benefits available under a GPA policy.
In the event of the death of the insured person due to an accident, the nominee receives the sum insured as a lump sum benefit. Hence, it is critically important for the insured person to provide nominee details when buying a policy. In case you forget to add nominee details initially, reach out to your insurer as soon as possible for the same.
If an accident results in a permanent total disability that prevents the employee from working or carrying out everyday activities, the policy pays the full sum insured, subject to the policy terms. Examples may include the permanent loss of both limbs or the complete loss of eyesight.
The policy also covers certain permanent partial disabilities caused by an accident. Depending on the nature and severity of the disability, the insured receives a percentage of the sum insured as specified in the policy schedule. Examples may include the permanent loss of one hand, one foot, hearing, or vision in one eye.
A group personal accident insurance plan also provides coverage for accidental injuries that prevent the insured from engaging in employment for a limited period. An amount specified in the policy is paid to the insured until the temporary total disability continues.
Besides the core accident covers, many Group Personal Accident Insurance policies also include the following benefits, subject to the policy terms and conditions.
A Group Personal Accident Insurance plan offers child education coverage in case of the permanent disability or death of the insured person. An amount specified in the policy is paid at a certain frequency to cover the educational expenses of the dependent child, given that the child is less than 25 years of age and doesn’t have any independent source of income.
The cost of hospitalisation or day care treatment is reimbursed for the insured person in the Group Personal Accident Insurance. This coverage is solely for injuries that require either hospitalisation or daycare treatment. However, the policyholder can also receive reimbursement for certain post-hospitalisation medical expenses for up to 90 days.
The Group Personal Accident Insurance covers a policyholder’s physiotherapy expenses (as per the applicable terms) if required to recover from accidental injuries.
The Outpatient Department Treatment (OPD) for the policyholder after an accident is covered under GPA. The policy may cover the consultations, tests and treatments as per the terms of the policy.
The mobility support cover also comes under Group Personal Accident Insurance. It offers financial aid for the purchase of mobility support items resulting from an accident. The insurer reimburses the cost of items such as wheelchairs, artificial limbs, crutches, dentures, spectacles, etc.
While the exact details will be mentioned in the respective policy wordings, a GPA policy usually doesn’t provide coverage in the following conditions.
| General exclusions | Explanation |
| Pre-existing diseases | A Group Personal Accident Insurance policy covers only accidental injuries. Illnesses, diseases, and medical conditions that are not caused by an accident are generally not covered. |
| Self-inflicted injuries | The policy does not cover injuries caused due to self-destructing acts like suicide or attempted suicide. |
| Mental illness and self-inflicted injury | Injuries, disability, or death resulting from mental illness, intentional self-harm, or attempted suicide are generally excluded. |
| Hazardous activities | Activities such as working with explosives, underground mines, high tension electrical installations, etc., are not included in Group Personal Accident Insurance. |
| Bacterial infections | All bacterial infections are excluded except pyogenic infections that happen due to a wound or cut that may occur during an accident. |
| Non-accidental medical treatments | The GPA coverage does not include surgical or medical treatments related to non-accidental causes. |
| Substance abuse | The policy does not provide coverage for disability or death caused as a result of substance abuse like alcohol, intoxicant, hallucinogens, drugs, etc. |
| Criminal activities | A disability or death caused during an illegal activity, participation in a riot, felony, etc., is excluded from the Group Personal Accident Insurance coverage. |
| Pregnancy/Childbirth | Disability or death resulting indirectly or directly due to childbirth or pregnancy is excluded from the GPA policy unless arising specifically after an accident. |
| War/Attacks | Disability or death occurring in relation to foreign invasion, warlike operations, chemical attacks, biological attacks, etc., are not covered under the GPA insurance. |
You can simply contact us by sending an email to [email protected]. Send us your GPA requirements along with the following details.
Our support team will contact you to take the process forward.
The following are the steps to claim under the ACKO Group Personal Accident Insurance Policy.
Send an email to ACKO regarding your claim request at [email protected].
Our team will connect with you to further understand the claim request.
Provide the required documents and necessary information within 30 days of the accident generally.
Our claim settlement team will conduct the verification process to issue the claim payment as per the policy.
The GPA insurance claim process involves the following documents. Note that the number of documents required at the time of raising a claim can vary on a case-by-case basis.
Here are the documents necessary for accidental death claims under GPA insurance.
| Documents Required for Accidental Death Claims | Documents Required for Accidental Disability Claims |
| Duly filled claim form | Duly filled claim form |
| Police FIR copy or Police Panchanama | Police FIR copy (if an accident case is filed) |
| Death Certificate (attested from the relevant authority) | Medical reports (X-ray, Pathology reports, etc., as applicable) |
| Post-mortem report | Disability Certificate from a reputed government office or surgeon (for permanent disability claims) |
| Copies of KYC documents of the claimant/nominee | Sick leave letter from the organisation (for permanent and temporary disability claims) |
| Legal heir certificate (in case of death claim when the nominee is already deceased) | Attending physician’s statement |
Here are the documents necessary for accidental disability claims under GPA insurance.
All kinds of small and large business groups or institutions can get Group Personal Accident Insurance in India for their employees/co-owners/members, etc. Some of the eligible groups for GPA insurance are as follows.
Here are some of the common questions and answers related to Group Personal Accident Insurance in India.
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