Trusted IRDAI-Certified
Insurance Partner
Financial protection against accidental injuries, disability, and death, ensuring employee safety and long-term financial security.
What’s Covered
Group Personal Accident Insurance protects employees against accidental death, permanent disability, and temporary disablement arising from unforeseen incidents. Offered as a core employee benefit, it ensures financial security for employees and their families while reinforcing the employer’s duty of care through structured, cost effective risk protection solutions.
Provides a fixed lump sum payout to the employee’s nominee in case of accidental death. This ensures immediate financial support for the family and reinforces the employer’s commitment to employee welfare beyond the workplace environment.
Offers compensation if an accident results in permanent total disability, impacting the employee’s ability to work. The benefit safeguards long term income security and helps employees manage life altering situations with greater financial stability.
Covers loss or impairment of specific body parts due to an accident. Compensation is paid based on predefined disability percentages, ensuring fair financial support while helping employees adapt to reduced physical capabilities post accident.
Provides weekly compensation for loss of income during recovery when employees are temporarily unable to work due to accidental injuries. This benefit supports household expenses and reduces financial stress during medically advised rest periods.
Covers hospitalisation and treatment expenses arising directly from accidental injuries. This reduces out of pocket costs for employees and complements group health insurance coverage for comprehensive protection against accident related medical emergencies.
Extends protection against accidental incidents occurring anywhere globally, subject to policy terms. This is especially valuable for employees who travel frequently for work, ensuring consistent coverage beyond geographical boundaries.
Ensures monetary support during accidental injuries or fatalities.
Lower premiums compared to individual personal accident policies.
Protects earnings during disability or recovery periods.
Demonstrates genuine commitment to employee safety and wellbeing.
Adds accident specific protection beyond medical coverage.
Easy onboarding, renewal, and claims coordination.
How to Buy
Evaluate workforce risk exposure, compare accident coverage options, share employee details, and activate protection easily with guided support and hassle-free policy management.
Instant & personalised
No impact on credit score
No hidden fees
Understand employee roles, risk exposure, and required accident coverage levels.
Compare premiums, benefits, disability cover, and insurer claim support.
Submit employee information and documents for accurate policy issuance.
Finalize coverage, complete payment, and start accident protection instantly.
Faq’s
Group personal accident insurance is suitable for organisations of all sizes, including startups and corporates. It protects employees against financial loss from accidents and is especially relevant for roles involving travel, fieldwork, or operational risks while supporting holistic employee benefits strategies in India today.
Group health insurance covers medical expenses arising from illnesses and hospitalisation, while group personal accident insurance focuses on accidental death and disability benefits. Together, they create a comprehensive employee protection framework addressing both medical costs and income loss risks.
Yes, most group personal accident policies offer twenty four hour coverage, including non working hours and holidays. This ensures employees remain protected against accidental risks regardless of whether incidents occur during work or personal time, subject to policy terms.
Claims require documentation such as medical reports, FIR if applicable, and disability certificates. An insurance broker assists with claim filing, follow ups, and escalation to ensure timely settlement and minimal administrative burden for both employees and HR teams.
Yes, employers can customise coverage limits, disability benefits, and add riders such as education support or enhanced medical expense cover. Customisation helps align the policy with workforce risk profiles, industry exposure, and organisational employee welfare objectives across India today.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
9319222734
