Group Personal Accident Insurance
Round-the-clock accident cover for your whole team.
An accident can take away an employee's ability to earn overnight. Group personal accident insurance pays a lump sum for accidental death or disability and can pay a weekly benefit while the employee recovers. It is one of the most affordable employee benefits, and many policies cover accidents at work and outside it.
Who needs it
- Employers in any industry, especially with field staff, drivers or factory workers
- Companies adding low-cost benefits to attract and keep staff
- Associations and institutions covering their members or students, where insurers allow it
What's covered
Accidental death
The sum insured paid to the nominee.
Permanent total disability
A lump sum if an accident leaves the employee permanently unable to work.
Permanent partial disability
A percentage of the sum insured for losses such as a limb or eyesight.
Temporary total disability
A weekly benefit while the employee cannot work (optional).
Accident medical expenses
Hospital bills after an accident, if added.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Self-inflicted injury or suicide
- Accidents under the influence of alcohol or drugs
- Illness or disease (this is accident cover only)
- War, and hazardous activities unless specifically covered
Popular add-ons
Children's education benefit
An extra amount for the education of an employee's children after death or permanent disability.
Ambulance and transport of mortal remains
Costs that families often struggle with at a difficult time.
Documents checklist
To get a quote or buy
- Employee list with names, dates of birth and designations
- Salaries, if cover is a multiple of salary
- Business KYC: PAN, GST certificate and address proof
To make a claim
- Claim form signed by the employer
- FIR and panchnama (where applicable)
- Medical records and disability certificate
- Death certificate and post-mortem report (death claims)
Frequently asked questions
Group PA or group term life: which do we need?
Group term life pays on death from any cause. Group PA pays only for accidents but also covers disability and lost income. Many employers take both.
How is the sum insured decided?
Usually as a multiple of monthly salary, or a flat amount per employee or grade. We help you choose.
Related cover
Group Term Life Insurance (GTLI)
Employer-paid life cover for employees, as a flat amount or a multiple of salary, with simple group underwriting.
ExploreGroup Mediclaim Insurance (GMC)
Group health insurance with cover typically from day one, optional family and parents cover, and claims support for your HR team.
ExploreFire & Burglary Insurance
Property cover for buildings, machinery and stock against fire and allied perils, with burglary cover for theft after forced entry.
ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
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