Group Personal Accident

With the increased use of machinery and other equipment at workplaces, high traffic on roads with rash driving and use of mobile while on the road the chances of accidents have increased. Though there are safety measures taken by the organizations to avoid any fatal accidents, they do not guarantee an accident-free workplace. Accidents may result in partial or total disablement or even death of employees. As a sensitive organization, employers provide monetary compensation to the affected employee and their families. As per the provisions under the Workmen Compensation Act, organizations are liable to provide compensation for partial or total disablement and for death. The Group Accident program is provided to the employees as a key element of this protection. Your employees’ families are protected by our company’s Group Personal Accident or Group Accidental coverage in the event of death or disability due to an accident while on the job.


  • Accidental Death & Disability Cover
  • Permanent Partial Disability
  • Temporary Total Disablement due to Accident
  • Weekly Compensation Cover
  • Accidental Medical Expenses Reimbursement
  • Terrorism cover included
  • Named Policy (Staff)


  • Death
    The company will pay the sum assured if an accidental bodily Injury results in the employee's death.
  • Permanent Total Disability (PTD)
    If a case of accidental bodily injury results in the employee's permanent total disability within 12 months of the injury being sustained, the company will pay 125% of the sum assured.
  • Permanent Partial Disability (PPD)
    If an accidental bodily injury results in permanent partial disability of the employee within 12 months of the injury being sustained, the company will pay a percentage of the sum assured that is specified for each and every form of impairment.
  • Temporary Total Disability
    In the event of a temporary total disability arising as a consequence of an accident, the affected employee would get a loss of pay compensation of 1% of the sum insured subject to a maximum of INR 5000 per week for up to 100 weeks.


  • Self-injury, suicide, venereal disease or insanity
  • Influence of intoxicating liquor or drugs
  • Death due to pregnancy or childbirth
  • Breach of law with criminal intent
  • War and a nuclear group of perils
  • On duty with armed forces

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