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Group Personal Accident Insurance provides financial protection for employees in case of accidental injury, disability, or death—helping businesses support their workforce when the unexpected happens.
What’s Covered
An accident does not pause payroll obligations, delay family expenses, or wait for an employer to respond. Group Personal Accident in India removes this window of financial vulnerability for employees and employers alike. Structured around accidental death and permanent or temporary disability, it gives CFOs cost certainty and CHROs a quantified duty-of-care position.
A fixed lump sum is paid to the employee's nominee upon accidental death, immediately and without ambiguity. For the employer, it replaces an undefined welfare obligation with a structured financial response that families can rely on and leadership can stand behind.
Full sum-insured compensation is activated when permanent total disability extends beyond 12 months. This benefit does what most HR budgets cannot. It absorbs prolonged, open-ended salary and replacement-cost exposure before it reaches the income statement.
Between two and sixty percent of the sum insured is paid against a certified disability degree. Where partial recovery creates financial ambiguity for employer and employee alike, this benefit replaces uncertainty with a defined, proportional financial outcome.
Weekly income replacement runs throughout the certified disablement period. Employees recover without financial pressure. Employers avoid the productivity cost of premature return to work. The outcome serves both parties and removes the tension that typically sits between them.
Hospitalization, diagnostics, and outpatient treatment from accidental injury are covered where group health insurance stops. This benefit does not duplicate existing coverage. It fills the specific financial gap that accident recovery creates beyond standard medical protection.
Provides financial support to the nominee in the event of an employee's accidental death.
Offers a lump-sum benefit if an accident results in permanent total disability.
Provides compensation based on the extent of permanent partial disability caused by an accident.
Offers income support when an employee is temporarily unable to work due to an accidental injury.
Covers eligible medical expenses arising from accidental injuries, as per the policy terms.
Depending on the policy, coverage may also include ambulance expenses, education benefits for dependent children, funeral expenses, and other optional benefits.
How to Buy
Assess workforce risk and coverage needs, share employee details, compare plan options, and activate group personal accident insurance with guided advisory support.
Instant and personalized
Quick and hassle-free process
No hidden fees or charges
Define employee roles, geographic exposure, and operational risk factors to establish the right coverage baseline.
Assess premium structures, disability benefit design, and insurer claim performance to identify the strongest fit.
Provide workforce documentation and employee data for accurate group personal accident policy issuance.
Finalize coverage terms, complete payment, and activate structured accident protection across your workforce.
Faq’s
Any organization that wants to protect its employees against the financial impact of accidents can benefit from Group Personal Accident Insurance. It is especially suitable for businesses with field staff, traveling employees, factory workers, or operational teams, while also serving as a valuable employee benefit across all industries.
Group health insurance covers medical treatment and hospitalization. Group personal accident insurance in India addresses income loss from accidental death, disability, and disablement. Holding both eliminates the gap that leaves employees exposed between a medical event and earnings loss.
The group personal accident insurance benefits for employees cover accidental death, permanent and partial disability, and income replacement during recovery. The policy signals measurable employer accountability, strengthening workforce confidence and the credibility of the organization's employee benefits program.
In the event of an accident, the employee or employer submits the required claim documents, along with medical bills and supporting records, to the insurer for reimbursement, as per the policy terms. Disha assists throughout the process by coordinating with the insurer, helping with documentation, and following up on the claim until it is resolved, making the reimbursement process as smooth as possible for both employers and employees.
Yes. Group Personal Accident (GPA) Insurance is a cost-effective way for businesses to protect their employees against accidental risks. Premiums vary based on factors such as the number of employees, the nature of work, the sum insured, and the coverage selected. As a starting point, premiums can begin from ₹10,000 for an organization with around 100 employees, making GPA insurance an affordable employee benefit for businesses of all sizes.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 1404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
+918796708683
