Accidental Death Benefit
Lump-sum payout (typically equal to the capital sum insured) to the nominated beneficiary in case of accidental death of the employee.
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Accidents can happen anywhere — on duty, at home, or while travelling. A Group Personal Accident (GPA) policy provides lump-sum compensation for accidental death, permanent or temporary disability, and reimburses medical expenses arising out of accidents, for every covered employee.
GPA is often the most cost-effective employee benefit per rupee of cover — and is mandatory for employees in many industries with field or operational roles. We help you set capital sums appropriate to salary grades, with consistent global 24x7 coverage.
Comprehensive protection designed for real-world needs and unexpected situations.
Lump-sum payout (typically equal to the capital sum insured) to the nominated beneficiary in case of accidental death of the employee.
Full capital sum paid for accidents causing permanent and total disability — loss of both limbs, both eyes, or paralysis preventing all gainful employment.
Proportional payout based on a standard schedule for loss of a single limb, eye, finger, or partial impairment.
Weekly compensation paid while the employee is unable to attend work due to accidental injury — typically for up to 104 weeks.
Reimburses actual hospitalization and treatment costs arising directly from a covered accident, up to a specified percentage of the sum insured.
Coverage is in force around the clock, on or off duty, anywhere in the world — covering commute, travel, and personal time too.
Real reasons clients choose this protection and stay protected for the long term.
GPA premiums are among the lowest per rupee of cover — often a fraction of group health, while providing critical financial protection.
Many tenders, vendor contracts, and labour law obligations require employees to be covered for accidental death and disability.
A lump-sum payout helps an employee's family replace lost income and manage transition during a tragic event.
No medical underwriting — all employees are covered automatically regardless of age, pre-existing conditions, or medical history.
Optional benefits like education grants for children, funeral expenses, and ambulance charges can be bundled into the policy.
Claims are settled against documented proof of accident — typically faster and less contested than health insurance claims.
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View DetailsSpeak with an InsureWise advisor for a personalized recommendation — free, transparent, and tailored to your needs.