Group Personal Accident

What is a Group Personal Accident?

Group Personal Accident insurance is a form of insurance that is provided to employees to protect them from medical expenditures incurred as a consequence of an accident at work. It includes accidents leading to both injuries or death of the employees. 

Employees are exposed to a variety of hazards at work, especially those working in a manufacturing facility. Therefore, it is critical that companies insure their employees under a Group Accident Insurance plan in order to safeguard them.

Benefits/Coverages of the Policy

  • Accidental Death
  • Permanent Partial Disability
  • Permanent Total Disability
  • Temporary Total Disability

Ad-Ons

  • Ambulance Expenses
  • Last Rites Expenses
  • Education Allowance for Children
  • Broken Bones Coverage

Exclusions of the Policy

  • Self-inflicted injury
  • Injury caused under the influence of alcohol or drugs
  • War & Nuclear Perils
  • Death or injury during childbirth or pregnancy
  • Injury or death caused due to indulgence in criminal activity
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