Group Personal Accident Insurance for the 21st Century Workforce

Group accident insurance for your modern working squad. Get comprehensive protection combined with wellness benefits for all groups.
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What is group personal accident insurance all about?

Group personal accident (GPA) insurance is a kind of insurance scheme specifically meant to safeguard employer-employee against bodily harm and physical injury occurring due to an accident. It also includes cover for disability expenses to the employee and death benefits to dependent family nominees in the case of loss of life.
If you are a chief human resource officer (CHRO), small business/MSME owner, or a co-founder of a fast-growing startup, your team probably clocks substantial hours to navigate the annual operating plan. But along the way, there come stages of financial anxiety, workplace distress and the uncertain life-harming lightning bolt of life! Now, how will you go about protecting your team against such events? There is no need to fret. Plum insurance is right here to answer all of your questions.

Why is group personal accident insurance important?

Let us reword this question for you, why do you and your team need a group personal accident insurance policy? Accidents are bad, and we wish no one would ever have to go through them, but they exist in complete uncertainty. See, there is always a possibility that employees have had face-to-face contact with an accident. And we all know that a problematic accident can get up-close and personal.
Therefore, we want to introduce you to group personal accident insurance. Such a plan is the best forcefield against an incoming accident. Even better, multiple plan options provide financial cover against permanent or temporary disability caused by the incident. To make it more feasible for an employee's family members to be monetary worry-free and move on at peace, this plan will disburse compensation due to accidental disability or death of a worker.
As an additional benefit, when an employer purchases group personal accident insurance for the organisation, all employees are covered under the master policy at zero expense to their salary. Yes, it is an excellent employee benefits programme that comes over and above your CTC.

Features of group personal accident insurance

Group accident insurance can be easily customised to meet your corporate strength. Here is a checklist of the advantages you must have.
Go big
Get suitable premium quotes on covering more numbers of employees. Many insurance groups offer substantial cover based on a higher number of workers.
Annual tenure
You can avail of this policy based on a yearly tenure for an organisation.
Child care
Many policies provide a lump sum payout for taking care of the employee's growing children.
Accident cover
This plan is meant to cover the medical expenses incurred if an employee gets into an accident or faces disablement.
Complete protection
Most insurance companies offer a good combination of group medical cover (GMC) plus group personal accident (GMC+GPA) coverage at a suitable premium.
Disability protection
A GPA policy covers total, partial and permanent disability caused by the accident.
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Benefits of a group personal accident policy

A standard group personal accident insurance policy comes with these advantages.
Accidental death coverage
100% lump sum amount is paid to the deceased employees' nominees and family.
Partial disability: Permanent
If the partial disability caused by the accidental injury is over a period of 1 year, permanency will be applicable. A pre-defined percentage of the sum insured is paid.
Total disability: Permanent
Permanent disability if applicable if it continues over one month and leads to fixed challenges in the daily functioning of an employee. The sum insured will be paid per the loss of limb or incapability.
Road ambulance expense
The GPA cover will reimburse the cost of taking an injured employee to the hospital from the accident site.
Weekly compensation
This benefit is paid every week to the injured employee during the temporary period of disablement caused by the incident.
Hospitalisation expenses
The GPA plan also covers the cost of medical expenses for accidental injury at the hospital.
Bone safety protection
Fractures can be physically and monetary demanding. Get a lump sum payout under a GPA in the case of broken bones due to the accident.
Transportation of mortal remains
An accident insurance policy will reimburse the cost of shifting the last remains of the deceased employee from the accident site or cremation grounds.
Child care benefit
This benefit is ideal for employees with children. The GPA insurer pays the cost of children's educational expenses in case of the death/permanent disability of the worker.
Note: GPA = Group personal accident insurance (general insurance company limited). Many insurance companies in India provide GPA in different variants and options. The list above is the common set.

Who is eligible under group accident insurance?

All types of large and small groups are allowed to purchase a group personal accident insurance cover for their employees. Check the complete list here.
Clubs
Professional associations
Firms and banks
Academic institutions
Colleges and schools
Employee-employer corporates

Here's how group personal accident insurance is better with Plum

With Plum Insurance, get access to an abundance of wellness benefits coupled with a customised group accident insurance plan for your office teams.
Medical expenses are included in up to 10% of sum insured
Accident coverage of INR 25 Lakhs
100% SI is paid in time of death, partial, total, temporary, permanent disability
Education welfare fund of Rs.10000 per dependent child
24x7 WhatsApp claims support
Option of group insurance
Transporting of mortal remains covers up to Rs. 5000
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Frequently asked 
questions

What is not included in a group accident insurance policy?

Here are a few instances that are not included in your GPA plan. Intentional self-harm, suicide, maternity & childbirth-related, indulging in dangerous activities & extreme sports, pre-existing illnesses, military participation, STDs/HIV/AIDS, etc.

What is a permanent total disability?

Permanent disability refers to vision loss of both eyes, feet, hands, or one hand, one foot and paralysis causing disability.

What is a partial disability?

Partial disability refers to the loss of one eye, hearing of one ear, finger, toe, etc.

What are the income tax benefits under a group personal accident insurance plan?

There are no tax-saving benefits of having a GPA cover for employees. Only your organisation can avail tax benefits for the same in the form of business expenses.

Does group accident insurance cover accidents outside India?

Most of the insurance groups in India provide worldwide cover for accidental emergencies. But you must always check with your insurer first before making a claim.

Do you need a pre-medical test for group accident insurance?

There is no requirement for a medical health check-up for a group personal accident plan.

Is my family included in the group personal accident cover?

No, only the employees are eligible for GPA cover. But the death benefits are paid to your family members.

Are there any permanent exclusions in a GPA plan?

Yes, here is the top list. Instances arising from war occurrence, radioactivity spill out, terrorism, criminal actions, civil hostility, and narcotics abuse are permanently excluded.

Does group accident insurance cover natural death?

No, GPA includes only accidental death and disability.

Are minor injuries covered under a group personal accident insurance plan?

No, GPA does not provide cover for minor injuries.

How is GPA beneficial to an employer?

Taking care of the employees and their families is an excellent retention tool for organisations. This also boosts employee morale and productivity. The employer ensures that the family dependents of a deceased employee are financially taken care of with the help of a GPA scheme.

Reviews and Testimonials

(4.03/5)
Rama Singh

We took group personal accident insurance cover of up to Rs. 25 lakhs per employee and group medical cover. Thanks to Plum.

Teji Pal Singh

Plum offers the best customization option through its in-built dashboard. We got a complete GPA cover for our team.

Gupta Kaushal

Buying a group personal accident plan from Plum was completely hassle-free. Super CS and CX team. Good work, Plum Insurance.

Natasha Murthi

We got a fantastic quotation for GMC, GPA and GTL. With Plum, the onboarding process was quick and responsive. Good stuff.

Nambika Arora

Plum Insurance provided us with a GPA option with an in-built feature of child benefit. It is ideal for our employees' families.

Rishabh Mathre

With group personal accident insurance, our workers are safer and secure outside and inside the office—a good policy from Plum.

George Kutty

We got GPA from Plum. All of our employees got complete cover from day one. A big win for our entire team. Thank you, team Plum.

Avnish Malhotra

Fast customer service work from team Plum. The Plum dashboard has made it easy to track and register claims.

Kunal Sharma

Buying a group personal accident insurance plan with a group medical plan was seamless and user friendly. Good work, Plum-bians!

Neveditha Krishna

GPA provides complete benefit cover for accident injuries inside and outside the workplace. Comprehensive protection is guaranteed.

Capt Amrit Kohli

GPA protects the employee and provides a financial benefit to the family members if an employee is seriously injured caused by accident.

Meghna Nand Kumar

We got the complete package from Plum for group personal accident insurance, group medical cover and group term life cover.

Rohina Thomas

The customer services team at Plum always work in an express mode. They made us understand everything point-by-point. Cheers.

Samitha Vasudevan

The Plum team has done an amazing job creating an insurance dashboard/platform. The best tech for young startups like us.

Dsouza Martin

We have group medical cover plus group term life insurance and super top-up. Kudos to the CS and CX team at Plum.

Gambhir Jalota

What is the fastest way to get a comprehensive group cover plus accident insurance for your enterprise? Say hello to Plum. To-Good!

Parag Vishwas Tyagi

The Plum platform is one of the best tools for our HR team and employees. It offers complete ease of access to our team.

Shyam Kumar Choudhary

Our team primarily operates on a remote schedule. Giving them group personal accident insurance from Plum is a good option.

Farzana Madhaar

Excellent service for the customer success team at Plum. They gave us a live demo before we got them on board. Team Plum, for sure.

Arushi Mathur

With GPA and GMC, our team can entirely purchase Supertop from the Plum employee portal. Complete automation.

Gautham Prakash

One of the best in the industry. The entire onboarding process was seamless and quick. Good customer service team.

Madu Patil

Really appreciate the effort of the plum team members. The product demo was really good and self-explanatory.

Bhanu Teja

Plum offers the best group health insurance quotes in the industry for corporates of all sizes and scales. Great work!

Rajesh Raje

Great support from customer success. The team was highly responsive and resolved all of our claim queries point by point.

Mohan Kapoor

Buying a group health insurance plan has never been better. Kudos to team Plum for such a good claims experience.

Jasspreet Singh

With Plum's WhatsApp claims service; I was able to download my health card within seconds. Good and quick process here.

Dhruv Mishra

Apart from the group mediclaim plan, my employees and their dependents benefited from covid-19 vaccination by Plum.

Veerta Mishra

Along with group insurance cover, we also subscribed to the Plum Wellness program. Employee motivation at its peak.

Ravi Sahitya

I'm entirely convinced and happy with the services provided by Plum Insurance. Truly digital experience and onboarding.

Raju Krishnan

I bought the entire mediclaim policy online. I simply filled in all the details and got assisted by the sales team immediately.

Neeta Chakraborty

Our employees got a good number of benefits along with a medical cover. Plum doctor's consultations are really good.

Komal Pandey

I never thought that I would be able to cover my small group of employees. Thanks to Plum Insurance for the GHI plan.

Jason D'Souza

The plans offered by Plum is good and cover most of the pre-existing diseases from day one. I did it all on the Plum App!

Clewyn Mascarenhas

With group health insurance, you can claim tax benefits as an employer, and so can the employees. Thanks to Plum!

Madu Patil

Really appreciate the effort of the plum team members. The product demo was really good and self-explanatory.

Gautham Prakash

One of the best in the industry. The entire onboarding process was seamless and quick. Good customer service team.

Bhanu Teja

Plum offers the best group health insurance quotes in the industry for corporates of all sizes and scales. Great work!

Rajesh Raje

Great support from customer success. The team was highly responsive and resolved all of our claim queries point by point.

Jasspreet Singh

With Plum's WhatsApp claims service; I was able to download my health card within seconds. Good and quick process here.

Mohan Kapoor

Buying a group health insurance plan has never been better. Kudos to team Plum for such a good claims experience.

Veerta Mishra

Along with group insurance cover, we also subscribed to the Plum Wellness program. Employee motivation at its peak.

Dhruv Mishra

Apart from the group mediclaim plan, my employees and their dependents benefited from covid-19 vaccination by Plum.

Raju Krishnan

I bought the entire mediclaim policy online. I simply filled in all the details and got assisted by the sales team immediately.

Ravi Sahitya

I'm entirely convinced and happy with the services provided by Plum Insurance. Truly digital experience and onboarding.

Komal Pandey

I never thought that I would be able to cover my small group of employees. Thanks to Plum Insurance for the GHI plan.

Neeta Chakraborty

Our employees got a good number of benefits along with a medical cover. Plum doctor's consultations are really good.

Clewyn Mascarenhas

With group health insurance, you can claim tax benefits as an employer, and so can the employees. Thanks to Plum!

Jason D'Souza

The plans offered by Plum is good and cover most of the pre-existing diseases from day one. I did it all on the Plum App!