Group Personal Accident
Protect all your employees from medical emergencies
Ensure your employees and their families are financially protected in case of accidents at the workplace or on the road. Our Group Personal Accident Insurance provides coverage for accidental death, partial or total disablement, offering peace of mind and essential support when it’s needed most.
- Accidental Death & Disability cover
- Permanent Partial Disability
- Weekly Compensation Cover
- Accidental Medical Expenses Reimbursement
- Compensation related to earnings
- Named Policy (Staff)
Health Cover Up
to ₹50 Lacs
What is Group Personal Accident?
Group Personal Accident program provides employees with protection against accidents while on or off duty. It also protects the families of your employees financially and meets critical objectives for your organization.
Why do you need Group Personal Accident?
Comprehensive Coverage
Ensure 24/7 protection against accidents for your employees.
Medical Financial Assistance
Provide financial aid for medical emergencies and rehabilitation costs.
Employee Welfare
Boost morale and loyalty with secure accident protection.
Affordable Premiums
Cost-effective plans tailored to safeguard your workforce.
Why choose Insurance Manager to protect your business?
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
What does Group Personal Accident cover and exclude?
Scope of Cover
Accidental Death
Full sum assured is paid to the family if an employee dies due to an accident.
Permanent Total Disability (PTD)
125% of the sum assured is paid if an accident causes permanent total disability within 12 months.
Permanent Partial Disability (PPD)
A percentage of the sum assured is paid based on the type of impairment caused by an accident.
Temporary Total Disability
Weekly compensation of up to INR 5000 is provided for 100 weeks during temporary total disability.
Comprehensive Protection
Covers employees in high-risk environments, ensuring financial security.
Family Support
Offers peace of mind by safeguarding employees’ families in case of accidents.
Legal Compliance
Meets obligations under the Workmen Compensation Act for workplace accident coverage.
Customizable Plans
Flexible coverage options tailored to organizational and employee needs.
- In-patient treatment 24 hours a day
- Pre-existing disease
- Pre and Post hospitalization
- Domiciliary hospitalization expenses
- Reimbursement of cost of health check-up
- All day care procedure
- Family floater to covers member’s immediate family such as a spouse, dependent children, dependent parents, etc.
- Maternity benefits
- Dental treatment
- Cost of spectacles, contact lenses
- Waiver of waiting period
- Waiver of first-year exclusions
- Reimbursement of ambulance costs
- Baby day one care
- Vaccination benefits
- Increased room rent limits
- Corporate buffer
- Out-patient treatment (OPD Card)
- Root canal surgery
- In-hospitalization expenses due to sickness or accidents
- Room and boarding expenses as provided by the hospital/nursing home.
- Nursing expenses.
- Surgeon, anesthetist, medical practitioner, consultants or specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-Ray, dialysis or chemotherapy.
Major Exclusions
Self-Injury or Suicide
Claims arising from intentional self-injury, suicide, or attempted suicide are not covered.
Substance Influence
Accidents caused under the influence of alcohol, drugs, or intoxicants are excluded.
Pregnancy or Childbirth
Death or injury due to pregnancy, childbirth, or related complications is not covered.
Criminal Activities
Injuries or death resulting from a breach of law with criminal intent are excluded from coverage.
War and Armed Conflict
Any injuries or death caused by war, invasion, or similar armed conflicts are not covered.
Nuclear Hazards
Claims arising from nuclear radiation, contamination, or related perils are excluded.
Service in Armed Forces
Accidents occurring while the employee is on duty with the armed forces are not covered.
Pre-existing Conditions
Claims related to venereal diseases, insanity, or pre-existing health conditions are excluded.
- If the appropriate waiver is not opted for, then the policy will not cover
- Treatment of pre-existing illnesses.
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless it is an accident.
- Treatment of specified illnesses for the first year of the policy.
- Certain diseases like hernia, cataract, piles, sinusitis, etc are excluded during the first year of operation in the cover.
- Any claim arising out of or traceable to pregnancy.
- Ayurvedic, homeopathy, naturopathy or any other form of local medication.
- Alcoholism, drug abuse, and AIDS.
- Dental treatment or surgery unless it requires hospitalization.
- Cost of spectacles.
- Vaccination and inoculation.
- Cosmetic treatment.
Your Journey to Insurance Manager
When can I Claim?
A claim under Group Personal Accident can be registered in the below circumstances:
- Hospitalization: When an employee is hospitalized for planned treatments or medical emergencies caused by an accident.
- Emergency Ambulance Services: Expenses for ambulance transportation during an emergency are covered.
- Diagnostic Tests: Claims can be made for doctor-prescribed tests to monitor or diagnose health conditions resulting from an accident.
Claim what’s yours with Insurance Manager
Have more questions?
Submission
Assessment
