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What is Group Personal Accident Insurance?

Group Personal Accident Insurance (GPA) is atype of general insurance policy that protects groups of people financially against risks from accidents causing injury, disability, or death. Employers, professional associations, and organisations frequently include GPA cover in their employee benefits program to enhance financial protection.

The main objective of this policy is to serve as a financial safety net for individuals and their families in case of accidental emergencies. Unlike an individual personal accident policy, GPA insurance covers multiple people under a single plan. One of its key features is its flexibility - coverage can be tailored with specific benefits, limits, and additional options to suit the unique requirements of the group. This allows employers and organisations to extend broad protection, contributing to the overall security and well-being of members.

Group Personal Accident Insurance generally covers a wide range of accident-related expenses such as hospitalisation costs, medical treatment, surgical procedures, and emergency care. In addition to this, it provides financial support through compensation for permanent total disability, permanent partial disability, and temporary total disability that may result in job loss or reduced income. The extent of coverage differs depending on the plan and insurer, but most policies are structured to reduce both financial and emotional stress for employees and their families. With its affordable premiums, flexible features, and extensive benefits, Group Peronal Accident Insurance becomes a cost-effective way for employers and organisations to provide enhanced protection to a large number of people. It serves as a vital safeguard against the uncertainties of accidents, ensuring peace of mind, financial stability, and overall security for the workforce.

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Why is Group Personal Accident Insurance Important for Employers and Employees?

  • Group health insurance Group health insurance For Employers
  • Group health insurance Group health insurance For Employees

  • Attract and Retain Talent

    In today's competitive job market, employees seek positions that not only offer competitive salaries but also extensive benefits packages. Buying a Group Personal Accident insurance policy can make an employer, more attractive to prospective employees and can increase employee loyalty and retention rates.

  • Enhance Employee Morale and Job Satisfaction

    A Group Personal Accidental insurance policy for employees can enhance employee morale and job satisfaction. When employees know at the back of their minds about their well-being and steps taken by employers to protect them in case of accidents can uplift their spirits, leading to a more conducive work environment and higher levels of employee engagement.

  • Productive Workforce

    A Group Personal Accident insurance policy can contribute to a healthier and more productive workforce. When employees know they have coverage in the event of an accident, they are more likely to be valued. In such a scenario, they will not mind going the extra mile to do the job.

  • Tax benefits

    As an employer, you can claim tax benefits for the premium paid on a Group Personal Accident insurance policy. This helps you reduce your tax outgo in the long run. If you deduct the premium from the employee's salary, the employee also enjoys tax benefits.

  • Financial Protection Against Unexpected Accident

    This is one of the major benefits of Group Personal Accident insurance policy for employees. Accidents can happen anytime, anywhere, and medical expenses can quickly accumulate. Group personal accident insurance policy helps cover these expenses, including hospitalisation, medical treatment. This eases the financial burden on employees and their families.

  • Peace of Mind

    Knowing that you are covered by insurance in case of accidents allows you to focus on your work and personal life without worrying about the potential financial consequences of an unforeseen event. This sense of security can bring down stress and anxiety, improving overall well-being.

Who Should Buy Group Personal Accident Insurance?

Comprehensive coverage

Employers of Small and Large Organisations

Employers of both small and large organisations should contemplate buying a Group Personal Accident insurance policy to safeguard their employees' well-being and mitigate financial risks. This policy provides crucial financial coverage for accidents and injuries that occur on the job, ensuring that employees receive prompt medical attention and necessary financial support. For small businesses, where financial resources might be limited, Group Personal Accident policies are a cost-effective way to protect employees without draining company funds. They demonstrate a commitment to employee welfare, which can enhance morale and loyalty within the organisation. Similarly, large organisations can also benefit significantly from Group Personal Accident insurance plans. Despite extensive resources, large companies face substantial financial risks associated with workplace accidents. They can mitigate these risks and protect their workforce by investing in a Group Personal Accident policy.

Hassle free claim settlement

Associations and Housing Societies

Associations and housing societies should consider investing in group personal accident insurance to safeguard their members against unforeseen accidents. By purchasing a group personal accident policy, the association or housing society can ensure that medical expenses and even loss of income are covered for affected members. This helps overcome financial burdens during times of distress. Furthermore, buying a Group Personal Accident insurance fosters a sense of community responsibility within associations and housing societies. It demonstrates a commitment to the well-being of members and their families by addressing the potential risks associated with accidents. Apart from them, schools and educational institutions can also look forward to buying Group Personal Accident insurance for teachers and staff.

Features of ICICI Lombard’s Group Personal Accident Insurance Policy

One of the leading Private Insurer Offering This Product

ICICI Lombard is one of the leading private insurer of India that underwrites the risk of a Group Personal Accident insurance policy. Over the years, we’ve earned the trust of millions of customers who have benefitted from this product, making us the go-to insurer for buying Group Personal Accident insurance plans.

Claim Servicing

We pride ourselves in offering claim servicing. When you make a claim with us, you can trust that we will handle it efficiently and effectively. Our team is dedicated to ensuring that your Group Personal Accident insurance policy claim is processed quickly and accurately. This gives you peace of mind during stressful situations. With ICICI Lombard, you can be rest assured knowing you're in good hands regarding claim servicing. We also offer paperless claims settlement process for fatal claims, and you can track the status of your claim online.

Cashless Hospitalisation Facility

With ICICI Lombard's Group Personal Accident policy, you can access cashless hospitalisation. This feature ensures you can receive necessary medical treatment without worrying about immediate financial burdens. It's reassuring to know that in the event of an accident, you can focus on recovery without having to handle the hassle of arranging funds for hospital expenses upfront.

Complete Family Coverage Option

Our Group Personal Accident policy provides an extensive solution by extending coverage to the entire family. This policy ensures financial protection against unforeseen accidents, offering you and family members peace of mind. With this inclusive option, you can safeguard your family from the potential financial burden resulting from accidents, enabling them to focus on recovery without worrying about the associated expenses.

What is Covered Under a Group Personal Accident Insurance Policy?

While the specifics may differ across policies, Group Personal Accident insurance covers the following:

  • 1

    Accidental Death

    A Group Personal Accident policy provides coverage for accidents leading to death. It offers a safety net by compensating in the unfortunate event of the individual's accidental demise. The compensation provided helps ease the financial burden on the dependent's family members.

  • 2

    Permanent Total Disability and Permanent Partial Disability

    A Group Personal Accident policy offers comprehensive coverage for various unforeseen accidents and their aftermath. Among its key provisions are benefits for Permanent Total Disability (PTD) and Permanent Partial Disability (PPD). In the unfortunate event of a permanent total disability, where you are unable to perform any gainful work due to the accident, the policy provides financial assistance. Likewise, in cases of permanent partial disability, the policy offers support.

  • 3

    Temporary Total Disability

    Group Personal Accident insurance coverage also extends to temporary total disability. If you suffer an accident leading to temporary total disability, this policy provides financial support. This coverage not only offers financial stability during the recovery phase but also alleviates the stress of lost job.

  • 4

    Medical Expenses Incurred

    Group Personal Accident insurance offers financial protection against medical expenses resulting from accidents. This coverage ensures that you can access necessary medical treatment without bearing the burden of steep healthcare expenses.

How to Buy Group Personal Accident Insurance Policy from ICICI Lombard?

Steps to Buy Group Personal Accident Insurance Policy Online

Buying Group Personal Accident Insurance online is easy and simple. All you need to do is:

  • Enter your corporate details here
  • Provide pincode, email, mobile number
  • Click on 'Click for Quote'
  • Follow the instructions that appear to buy the policy
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What is the Claiming Process for a Group Personal Accident Insurance Policy?

The claim process from a Group Personal Accident policy is simple. All you need to do is:

  • 1 Intimate your insurer about the claim via email or a toll-free number
  • 2Fill up the claims form and provide all the relevant documents asked by the insurer
  • 3The insurance company registers the claim upon receiving the documents
  • 4 A surveyor is appointed to gauge the claim’s authenticity
  • 5 Based on the surveyor’s report, the insurer releases the claim amount

Group personal accident insurance articles

Income tax benefits of having Group personal accident insurance

Group personal accident (GPA) insurance offers financial protection against accidental injuries, disabilities, or death—and also brings income tax advantages. Employers can claim deductions under Section 37(1) of the Income Tax Act for premiums paid, while employees enjoy tax-free premiums and compensation under Section 10(10D). This blog explains how GPA insurance works, the tax benefits involved, and how it serves as a cost-effective security tool for both employers and employees.

15 Apr 2025
Common accidents in construction sites

Construction sites are filled with potential hazards—from falls and electrocutions to equipment-related injuries. This blog outlines the most common accidents in construction environments and why safety awareness is critical. Learn about the types of injuries, how to avoid them, and the importance of having insurance coverage like Group Health and Personal Accident Insurance to support workers after incidents. Prioritizing safety and preparation can help protect lives and livelihoods on-site.

15 Apr 2025
Common accidents in construction sites

Construction sites are filled with potential hazards—from falls and electrocutions to equipment-related injuries. This blog outlines the most common accidents in construction environments and why safety awareness is critical. Learn about the types of injuries, how to avoid them, and the importance of having insurance coverage like Group Health and Personal Accident Insurance to support workers after incidents. Prioritizing safety and preparation can help protect lives and livelihoods on-site.

15 Apr 2025

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Why is GPA policy considered under employee benefits?

This covers Personal Accident insurance risk for all the employees of the organization. Personal Accident Insurance is one of the core and basic covers employers do consider as part of the employee benefit programs. Given small ticket premium and good risk covers, this product is one of the first employers wish to have for the employees.

Benefits of group accident insurance plans?

Risk coverage for accidental death and disability. There are also multiple optional benefits one can choose from.

Can I avail tax benefits of Group personal accident policy?

Since this is mostly non-contributory, individuals may not have tax benefits.

I already have a health and life insurance cover. Do I need Group personal accident policy?

Health policy does not cover Accidental Death or disability risk which is covered in Group Personal Accident policy. Group Term Life or Life insurance policy does cover comprehensive life risk but the premium for higher sum insured will be too high as all kinds of risk – Disease, Accident are covered. By taking Group Personal Accident insurance, premium can be substantially low and a higher risk coverage can be opted.

Will the members of Group personal accident cover need a pre-policy medical test?

No. Not required.

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If I am covered under Group personal accident? Will my family be covered as well?

Yes family can be covered if opted for this cover with separate premium paid. Each life covered has separate independent sum insured.

Benefits of group accident insurance plans?

Yes any injury except specific standard exclusions such as War, Alcoholism, Breach of law etc

What does group personal accident insurance cover?

Accidental Death, Disability and other associated expenses viz., ambulance, Hospitalization expenses, OPD cover, Loss of job cover etc.

Is there any territorial restriction applicable while availing Group personal accident policy?

For Accidental Death and permanent Disability benefit cover, coverage is by default world-wide in GPA policy. For Accidental Hospitalization, OPD, medical expenses, coverage is within India only.

How to request claim for group personal accident insurance policy?

There is web-link available on ICICI Lombard website for online submission of fatal claims. Documents can also directly be sent to official address given on the policy copy. Customer care can be contacted on 1800 2666 for further info.

What documents are required to file a claim for group personal accident policy?

Based on claim type for example – For Accidental Death – Death Certificate with cause of death, Police report /FIR with closure, post-mortem report, KYC for claimant and other documents as given in detail in policy wordings.

What are the factors that determine the premium of Group personal accident policy?

Premium depends on the risk profile of the group members, the Sum insured opted, Risk location, Past experience etc.

What are permanent disability clauses in group personal accident policy?

Loss of limb or Eye due to accident injury comes under Permanent Total Disability benefit. Any other minor loss – Example- Permanent loss of finger or thumb, falls under permanent Partial benefit. Further details available in policy wordings on ICICI Lombard website.

What are the exclusions of Group personal accident insurance policy?

Suicide, Alcohol, War, Nuclear Hazard, high risk adventurous activities like parachuting, skydiving etc.

Product UIN no.
Group Personal Accident ICIPAGP22077V062122

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