Accidental Death Benefit
Provides a defined benefit on the accidental death of a covered employee during the policy period, subject to policy terms.
Group Personal Accident
Protect Your People. Support Them When It Matters.
Group Personal Accident Insurance protects your employees against accidental injury, disability and death, providing financial support for them and their families when the unexpected happens.
Accidental Death Protection
Disability Benefit Protection
Accidental Medical Expense Options
Employer-Sponsored Employee Cover
Flexible Employee Benefit Structures
What Is Group Personal Accident?
Understanding Group Personal Accident
Group Personal Accident (GPA) Insurance is an employer-sponsored solution protecting employees against accidental injuries, with benefits for accidental death, permanent or temporary disability and eligible accident-related expenses, depending on policy terms.
What Does It Cover?
- Accidental death
- Permanent total disability
- Permanent partial disability
- Temporary total disability, where selected
- Accidental medical expenses, where covered
Example:
If a covered employee suffers a permanent disability due to an accident, the policy can provide the applicable benefit based on the nature and extent of the disability, subject to the policy terms, benefit schedule, and applicable conditions.
Coverage Components
Comprehensive Protection At Every Level
Permanent Total Disability
Provides a benefit where an insured employee suffers a qualifying permanent total disability due to an accident, as defined under the policy.
Permanent Partial Disability
Provides benefits for specified permanent partial disabilities from an accident, generally determined by the policy's benefit schedule.
Temporary Total Disability
Where selected, provides a periodic benefit for eligible temporary total disability from an accident, subject to waiting period and limits.
Accidental Medical Expenses
Where included, provides coverage for eligible medical expenses arising from accidental bodily injury, subject to the selected limit and policy terms.
Additional Accident Benefits
Depending on the policy, benefits like ambulance expenses, transport of mortal remains or education support may be considered, subject to terms.
Advisory Support
Protect Your Employees Before Risk Finds You
Accidents can strain employees financially. A well-structured GPA programme adds financial protection to your benefits framework.
- 1.
Workforce Assessment & Needs Analysis
We understand your workforce, work environment, existing benefits and accident-related exposures.
- 2.
Plan Design & Placement
Our specialists structure suitable benefit amounts, employee categories and optional covers, and negotiate solutions with insurers.
- 3.
Policy Documentation & Employee Support
We coordinate employee data, policy documentation, enrolment and benefit communication to support smooth implementation.
- 4.
Dedicated Claims Assistance
Our team supports employees, the organisation and beneficiaries through claims, including documentation and insurer coordination.
- 5.
Annual Policy Review & Renewal
We review workforce changes, benefit utilisation and claims to keep the programme aligned with needs.
Ready To Explore Group Personal Accident?
Protect your employees with accident insurance designed around their needs and your organisation's benefit objectives.
Frequently Asked Questions
Answers to Common Insurance Queries
Benefits should reflect occupational exposure, employee categories, travel requirements and the employer's desired level of financial protection.
Permanent disability may result in a defined benefit based on disability percentage, while temporary disability provisions may operate through specified periodic benefits, subject to policy terms.
Equirus Raghnall assesses employee exposure, occupational profile, benefit requirements and policy extensions before negotiating appropriate coverage.
The workforce is segmented according to job function, work environment and travel exposure to ensure the programme reflects actual accident risk.
