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Group Personal Accident

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Advantages of Group Personal Accident Insurance

 
Our group personal accident covers accidental death, permanent total, and partial disability, temporary total disability, medical expenses for accidents and add-ons such as ambulance charges.
Within-group personal accident insurance, the sum assured for each employee can be set based on combinations of paygrade, designation, profile, department, annual compensation or marital status.
Group personal insurance allows the addition or deletion of employees. Premium is charged proportionately for actual coverage and adjusted regularly. Individual plans do not offer this flexibility.
A lump sum, the fixed amount is paid on death or disability, typically within 30 days of filing a claim. This is not dependent upon actual expenses incurred or other claims paid for the same incident.

Benefits of Group Personal Accident Insurance

Accidental Death Benefit
Our group personal accident insurance provides 24*7 worldwide coverage for accidental death, even after office hours. You do not need to be on work to claim. However, death should not be self-inflicted or a suicide
Compensation is paid to the family member of the employee up to 100% sum assured or agreed on policy terms
Children education benefit is paid to the nominee for a maximum of 2 dependent children of insured.

Permanent Disabilities Covered
Our group personal accidental insurance plan pays a pre-specified proportion as per the policy terms of the sum assured based on the extent of disability. The permanent disability may be total or partial in nature
In case of permanent total disability such as loss of both limbs, the entire sum assured is paid
In case of partial disability such as loss of a single limb, a pre-specified part of the sum assured is paid.

Temporary Total Disabilities Covered
In case of a temporary total disablement such as spinal cord damage, due to which employee becomes bedridden or is unable to come to the office, a fixed weekly benefit is paid in order to compensate for such a loss
The standard weekly benefit is Rs 5,000 for 52 weeks and can be enhanced to Rs 25,000 for 104 weeks
Cover for medical expenses such as fractures, which are typically not covered in other insurances.