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Help employees stay financially protected against accidental death, disability, and injury under a single group policy.
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PRODUCT OVERVIEW
Group Personal Accident Insurance (GPA) is a group insurance policy that provides financial compensation to employees or members in case of accidental death, injury, or disability. Offered under a single master policy, GPA cover is commonly used by businesses as part of employee welfare and workforce risk management programs.
Depending on the policy structure, Group Personal Accident Insurance may cover accidental hospitalisation expenses, emergency treatment, permanent or temporary disability, and accidental death benefits. Organisations can customise coverage based on workforce roles, industry risk exposure, and employee categories, making GPA particularly relevant for businesses with field staff, operational teams, or high-risk work environments.
REASON
Provides compensation support in case of accidental death or disability affecting employees and their dependents.
Helps manage accident-related hospitalisation, treatment, ambulance, and emergency medical expenses.
Strengthens employee benefit programs by offering additional accidental risk protection.
Policies may provide protection against accidental incidents occurring during and outside working hours, as per policy terms.
More than 400 workers were killed and over 850 seriously injured in workplace accidents across India's manufacturing, mining, and energy sectors in 2024 (IndustriAll), highlighting the growing importance of GPA.
Coverage can be tailored based on employee roles, workforce size, and industry-specific risks.
HIGHLIGHTS
Covers accidental death, permanent disability, temporary disability, and accident-related injuries under a single policy.
Coverage can be customised based on employee grade, salary structure, designation, or occupational exposure.
Allows easy employee onboarding, member addition, deletion, and policy renewal management.
Group pricing enables businesses to provide workforce protection at optimised premium costs.
Policies may include riders such as medical expense cover, hospital cash benefits, and temporary disability compensation.
ELIGIBILITY
INCLUSIONS & EXCLUSIONS
Accidental death compensation
Covers employer liability under the Employee’s Compensation Act, 1923, additional agreed liability, and Fatal Accident Act 1955.
Permanent total disability cover
Accidental death, permanent total or partial disability, and temporary disability due to workplace injury.
Permanent partial disability cover
Covers illnesses caused by exposure to hazardous or toxic substances during employment (Schedule III).
Temporary total disability benefit
Extends coverage to contractors and their employees engaged in your operations (subject to terms).
Accident-related medical expenses
Covers hospitalisation expenses (exceeding 24 hours) arising from workplace injuries.
Natural death
Injuries arising from war, riots, civil unrest, or acts of terrorism are not covered.
Self-inflicted injuries
No coverage for injuries intentionally caused by the employee.
Injuries under the influence of alcohol or drugs
Claims are not valid if the employee was under the influence of alcohol or drugs.
Participation in illegal or criminal activities
Injuries or illnesses existing before the policy start date are excluded.
War and nuclear-related risks
Incidents occurring outside working hours or not related to job duties are not covered.
Pregnancy and childbirth-related conditions
Any penalties, fines, or interest imposed on the employer under law are not covered.
HIGHLIGHTS
Covers accidental death, permanent disability, temporary disability, and accident-related injuries under a single policy.
Coverage can be customised based on employee grade, salary structure, designation, or occupational exposure.
Allows easy employee onboarding, member addition, deletion, and policy renewal management.
Group pricing enables businesses to provide workforce protection at optimised premium costs.
Policies may include riders such as medical expense cover, hospital cash benefits, and temporary disability compensation.
Policies are generally renewed yearly and can be scaled based on workforce changes and operational requirements.
Coverage structures can be tailored according to sector-specific workforce and operational risks.
Suitable for businesses operating across multiple branches, sites, warehouses, or field locations.
CLAIMS
Coverfox will assist the policyholder with the claim resolution. The employer must follow these steps to raise a claim for WC policy through Coverfox:
Inform the relationship manager or contact us immediately at help@coverfox.com after the accident to initiate the claim process.
Submit the duly filled claim form along with all required supporting documents for claim registration.
Provide medical reports, hospital records, FIR copy, policy details, and other relevant documents wherever applicable.
The insurer reviews and verifies the submitted documents, accident details, and policy coverage before processing the claim.
Once approved, the claim amount is settled as per the policy terms, conditions, and applicable coverage limits.
A Group Personal Accident policy generally covers accidental death, permanent disability, temporary disability, and accident-related medical expenses as per policy terms.
Employees, members of associations, contractual staff, labour workforce, and other defined groups can be covered under the policy.
No, it is not mandatory in most cases, but many organisations offer it as part of employee welfare and risk management benefits.
Yes, coverage, sum insured, and benefits can be customised based on workforce roles, industry risks, and organisational requirements.
Claims are settled after submission and verification of required documents such as claim forms, medical reports, hospital records, and other supporting documents.
Coverage depends on policy terms. Many GPA policies provide 24x7 coverage, including accidents occurring outside the workplace.
Yes, select policies cover accident-related hospitalisation, treatment, ambulance, and emergency medical expenses.
Yes, many policies provide weekly compensation benefits during temporary total disability caused due to an accident.
Premium depends on factors such as group size, employee profile, industry risk, coverage opted, and sum insured selected.
Yes, most group policies allow additions and deletions of members during the policy tenure, subject to insurer guidelines.
Group Personal Accident policies are generally issued for a tenure of one year.
Yes, insurers may offer preferential pricing or discounts depending on the overall group size and risk profile.
Disclaimer
Group Personal Accident Insurance coverage, inclusions, exclusions, benefits, premiums, and claim settlement are subject to insurer underwriting guidelines and policy terms & conditions. Coverage may vary depending on the insurer, industry type, workforce profile, and selected plan. Please read the policy wording carefully for detailed coverage scope, exclusions, limitations, and eligibility conditions before purchase.
