Group Personal Accident Insurance: Compare, Buy, Renew, & Claim

On our Okbima website, you can easily compare, buy, renew, and claim Group Personal Accident Insurance. Find the best coverage for your team, protecting their financial stability in the event of an accident.

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Our simplified procedure makes it easy to navigate policies and make informed decisions. safeguard your employees and their loved ones with our comprehensive Group Personal Accident Insurance plans. Visit our website today for a hassle-free experience.

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Employers' legal liability under the Workmen's Compensation Act of 1923 and the Fatal Accident Act of 1855 is covered by the Workmen's Compensation Insurance policy.

What is Group Personal Accident Insurance?

Stay safe and worry-free with Group Personal Accident Insurance. Whether you're an employee, a worker, or a member of an organization, this policy has your back. GPA Insurance protects you and your loved ones against financial responsibilities caused by unexpected injury or death. Tailored to your group's needs, it reduces the high costs of disability and provides financial support to your family if something bad happens to you. You can feel at ease in the face of life's uncertainty knowing that your financial well-being is taken care of.


Benefits Of Group Accident Insurance Policy In India

Benefits of group accident insurance policy in India are:

Coverage against accidental health
Employees who participate in the Group Personal Accident Insurance receive financial protection if they are killed in an accident. If the insured person dies in an accident, the person or people nominated by the insured person will get the agreed-upon sum of money.

Coverage against disabilities
If a person is permanently injured or disabled, Group Personal Accident Insurance provides financial assistance to them and their families. This money helps individuals survive financially while they are unable to work due to an accident-related disability.

Medical reimbursement
Following an accident, employees may request reimbursement for medical expenditures they have incurred. This includes money they spent staying in the hospital after the incident, an everyday allowance for being in the hospital, and the medical expenses they had after leaving the hospital.

Educational Benefit for Children
Group Personal Accident Insurance has another great benefit. If the insured individual dies or becomes permanently disabled, the policy will pay for the education of up to two children. This means that if something tragic happens to the insured employee, the insurance will help cover the costs of the children's education.


Why Should You Buy Group Accident Insurance From Okbima?

Some main reasons to buy group accident insurance from Okbima are:


Key Features of Group Accidental Insurance Policy

Some features of group accidental insurance policy are:


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What Covered Group Personal Accident Insurance Policy?

The things covered under the group personal accident insurance policy are-

  1. Accidental Death
    If the insured individual is killed in an accident, the money is given to the selected family member. When purchasing the coverage, it is important to give the nominee information. If you forget, contact your insurance right away.
  2. Medical Expenses
    Group Personal Accident Insurance pays the covered person's hospital or daycare treatment fees. It only covers injuries that require hospitalization or nursery treatment. After leaving the hospital for up to 90 days, the policyholder can also receive reimbursement for some medical expenses.
  3. Temporary total disability
    Temporary total disability group Personal Accident Insurance provides coverage for accidental illnesses or accidents that temporarily keep the insured from working. As long as the temporary total disability lasts, the policy pays the insured a certain sum.
  4. Mobility Support Cover
    Group Personal Accident Insurance offers coverage for mobility assistance. After an accident, it pays for equipment such as wheelchairs, artificial limbs, crutches, dentures, and glasses. The insurer covers the cost of these things.
  5. Funeral expenses
    If a policyholder dies in an accident, group personal accident insurance allows for the beneficiary's family to be compensated for funeral costs. This includes the cost of transportation, burial, cremation, and any related expenses.

What it doesn’t cover?

The following causes of death or serious injury are not covered by group personal accident insurance:


Things To Consider While Buying Group Personal Accident Insurance

Things to consider while buying group personal accident insurance are:

Coverage: Make sure the policy covers accidents related to your regular activities and includes worldwide coverage if you often travel overseas

Sum insured: Select a policy with a maximum coverage amount that matches your needs, taking into account factors such as your age and potential medical bills

Premium: Look for a mix of coverage and cost, avoiding exceptionally low-priced plans that may not give adequate coverage when you need it

Inclusions: Confirm that the policy covers the most likely accident scenarios

Recompense to the family: Look at the advantages the insurance provides to your family in the event of permanent disability or death as a result of an accident to ensure maximum recompense.

Insurer reputation: Research the insurance company's reputation, including their claim settlement percentage, internet ratings, reviews, and client testimonials, to determine the quality of their service.

Network hospitals: Check the insurer's website to see if it has any trustworthy and reachable network hospitals where you can receive cashless care.


Documents Required For Buying Group Accident Insurance Policy

Documents Needed to Purchase a Group Accident Insurance Policy are:


Best Group Personal Accident Insurance In India 2023

Coverage, sum insured, rates, policy duration, and exclusions are all important considerations when deciding on the best personal accident insurance policy in India. Here are a few of the top group personal accident insurance plans for 2023 in India.

  1. ICICI Lombard Personal Protect Personal Accidental Plan
  2. Aditya Birla Capital Activ Secure Personal Accident
  3. Bajaj Allianz Premium Personal Guard Policy
  4. Bharti AXA Insurance Smart Individual Personal Accident
  5. HDFC ERGO Personal Accident Insurance plan

How To Renewal Group Accident Insurance Policy?

Follow these easy steps to renew your group accident insurance policy

Step 1: First, check your current policy terms and renewal date.

Step 2: Get in touch with your insurance company to start the renewal procedure.

Step 3: Submit all documents that are required, such as updated employee data.

Step 4: Discuss coverage options and make any necessary adjustments.

Step 5: Pay the renewal premium by the due date.

Step 6: Once completed, you will receive confirmation and revised policy materials. Keep in mind to store these documents securely.


How To File A Group Personal Accident Insurance Claim?

To avoid unnecessary delays, policyholders should be familiar with the process of filing group personal accident insurance claims. Here's a quick rundown:

Step 1: As soon as possible after the accident, contact customer service at the insurance provider's website or phone number.

Step 2: Provide all required policy documentation.

Step 3: Fill out the claim form completely.

Step 4: Depending on the type of claim (such as death, partial or total disability), provide any additional paperwork that is needed.

Step 5: The insurance company analyses the claim for authenticity

Step 6: If accepted, the payment will be credited to your account.

Step 7: If the claim will be rejected, the corporation may request more documentation, and if not satisfied, the claim may be denied.


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FAQs About Group Accidental Insurance Policy

According to the rules provided by the Insurance Regulatory and Development Authority of India, all car owners are currently required to purchase a personal accident protection of Rs. 15 lakh.

GPA insurance protects policyholders and their families financially against income loss due to accidental disablement or death. Accident coverage is provided by commercial or industrial organizations for employees, workers, members, etc.

Personal accident coverage does not cover third-party responsibility or injury. As a result, if a car is involved in an accident and the vehicle destroys third-party property, the insured will not be able to file a claim under personal accident insurance.

No, these policies only cover unintentional injury or death.

No, a pre-policy medical exam is not needed to get a group personal accident insurance plan because such policies are not linked to any health issues.

No, unlike life and health insurance policies, a group personal accident insurance policy does not provide any tax benefits to the covered individual.

No, unlike life and health insurance policies, a group personal accident insurance policy does not provide any tax benefits to the covered individual.