GPA- Group Personal Accidental Policy

GPA- Group Personal Accidental Policy

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100% Claim Settlement

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Total Cover

100% Claim Settlement

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Documentation

Reasonable

Premium

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3 weeks ago
They guided me through the intricacies of various insurance options, ensuring I fully understood each policy's coverage and benefits. Their transparency and willingness to address all my concerns instilled a sense of trust and confidence in their services.
5 months ago
Beemawala and team is a best Company for take any type of insurance. They support and take care of your claim . Thanks a lot for your support of my claims many times .
6 months ago
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a year ago
Beemawala team provides professional services with best solution both at corporate and personal level. Always ready to answer any queries related to policy. I am very happy with the service.
a year ago
Shantanu is professional and very prompt in responding to my questions. I’m a repeated client and he’s been supportive throughout. I highly recommend his services. I wish him and his team good luck for future.

GPA- Group Personal Accidental Policy : Buy/Renew GPA- Group Personal Accidental Policy Online Instantly

What is GPA- Group Personal Accidental Policy ?

The Group Personal Accident (GPA) Policy is an insurance policy that provides financial protection to a defined group of individuals in the event of accidental injuries or death. It is designed to cover members of the group, such as employees of a company, members of a club, or students of an educational institution. The policy offers a range of benefits, including compensation for accidental death, permanent or partial disability, and other related expenses resulting from accidents. The GPA Policy can be customized to suit the specific needs of the insured group and offers valuable financial security and peace of mind to its members in case of unforeseen accidents.

Example Scenario: Scenario: Mr. Rajesh runs a marketing company, and one day, while one of his employees was traveling for a business meeting, an accident took place on the road. The employee sustained serious injuries in the accident.

How the Group Personal Accident (GPA) Policy will help Mr. Rajesh:

1. Financial Compensation: The GPA Policy will provide financial compensation to the injured employee to cover medical expenses, hospitalization costs, and treatment fees required for his recovery.

2. Disability Benefits: In case the employee suffers from a permanent disability due to the accident, the policy will offer disability benefits to support him financially and help him cope with the challenges ahead.

3. Accidental Death Coverage: If, unfortunately, the accident leads to the employee’s death, the GPA Policy will offer a lump-sum amount as compensation to the employee’s family, helping them during their difficult times.

4. Ambulance Expenses: The policy will cover the ambulance expenses incurred in transporting the injured employee to the hospital for immediate medical attention.

5. Rehabilitation Coverage: The GPA Policy may also provide rehabilitation coverage to support the employee’s recovery process, including physiotherapy or specialized care, as needed.

6.Transportation Costs for Family: If the employee needs prolonged treatment in a different city, the policy might cover the transportation costs for the employee’s family to be with them during their recovery period.

7. Temporary Total Disability Benefits: If the employee’s injuries lead to temporary disability, rendering him unable to work for a certain period, the policy will offer temporary total disability benefits, ensuring he receives a portion of his regular income during the recovery period.

Coverages of GPA- Group Personal Accidental Policy

Accidental Death Coverage

Accidental Death Coverage

Financial compensation is provided to the beneficiary in the unfortunate event of the insured member’s death due to an accident.

Permanent Total Disability (PTD) Coverage

Permanent Total Disability (PTD) Coverage

If the insured member becomes permanently and completely disabled due to an accident, the policy offers compensation.

Permanent Partial Disability (PPD) Coverage

Permanent Partial Disability (PPD) Coverage

In case of a permanent partial disability caused by an accident, the policy provides compensation based on the extent of the disability.

Temporary Total Disability (TTD) Coverage

Temporary Total Disability (TTD) Coverage

If the insured member suffers from a temporary total disability, hindering their ability to work, the policy offers financial support during this period.

Medical Expenses Coverage

Medical Expenses Coverage

The policy covers the medical expenses incurred for treatment of injuries sustained in an accident.

Hospitalization Benefits

Hospitalization Benefits

Financial benefits are provided for hospitalization expenses arising from accident-related injuries.

Ambulance Expenses Coverage

Ambulance Expenses Coverage

The policy covers the expenses incurred for ambulance services required due to an accident.

Transportation Allowance

Transportation Allowance

The policy may cover transportation costs for the insured’s family in case of death or disability.

Education Grant

Education Grant

The policy may provide an education grant for the insured member’s dependent children in case of accidental death or permanent total disability.

Repatriation Benefits

Repatriation Benefits

If the insured member’s accident occurs while traveling abroad, the policy may cover the expenses for repatriating their remains to their home country.

Additional Add-ons OF GPA- Group Personal Accidental Policy

Daily Hospital Cash

Daily Hospital Cash

Offers a daily cash allowance for each day of hospitalization due to an accident, providing extra financial support.

Accidental Medical Reimbursement

Accidental Medical Reimbursement

Provides reimbursement for medical expenses incurred due to an accident, even if the insured member has other health insurance.

Loss of Income Benefit

Loss of Income Benefit

Offers a regular income replacement to the insured member if they are unable to work due to an accident, ensuring financial stability during recovery.

Child Education Benefit

Child Education Benefit

Provides a lump sum amount to support the education of the insured member’s dependent children in case of the insured’s accidental death or permanent disability.

Modification for Sports or Adventure Activities

Modification for Sports or Adventure Activities

Extends coverage to include injuries sustained during sports or adventure activities, which are typically excluded in standard policies.

Worldwide Coverage Extension

Worldwide Coverage Extension

Expands the coverage beyond the geographical limits of the policy, providing protection during international travel or work assignments.

Legal and Funeral Expenses

Legal and Funeral Expenses

Covers legal expenses arising from claim disputes and also provides a lump sum amount towards funeral expenses.

Emergency Assistance Services

Emergency Assistance Services

Offers access to 24/7 emergency assistance services, including medical advice, travel arrangements, and other support during an accident.

Air Ambulance Cover

Air Ambulance Cover

This add-on covers expenses for air ambulance transportation in case of an accident, ensuring swift and efficient medical evacuation, especially in remote or critical situations.

Coma Benefit

Coma Benefit

In case of an insured member being in a coma due to an accident, this add-on provides additional financial support with a lump sum amount, assisting during the coma period.

Weekly Cash Benefits

Weekly Cash Benefits

This add-on provides a weekly cash allowance to the insured member during temporary disability caused by an accident, assisting with day-to-day expenses.

Factors Determining the Premium of GPA Personal Accidental Insurance

Group Size

Group Size

The number of members in the insured group affects the premium calculation. Larger groups may receive favorable rates due to spreading the risk across a larger pool of individuals.

Age of Members

Age of Members

The age of the insured members is considered as younger members generally pose a lower risk of accidents, leading to relatively lower premiums.

Occupational Risks

Occupational Risks

The nature of the group’s occupation or profession is assessed to gauge the associated risk level. High-risk occupations may result in higher premiums.

Coverage Limit

Coverage Limit

The sum insured or coverage limit chosen by the insured group impacts the premium. Higher coverage limits will lead to higher premiums.

Add-ons

Add-ons

If the insured group opts for additional add-ons or riders to enhance the policy coverage, it will affect the overall premium cost.

Geographical Coverage

Geographical Coverage

The geographic area where the insured group operates or resides is considered, as certain regions may have higher accident risks, influencing the premium.

Previous Claims History

Previous Claims History

The claim history of the insured group is taken into account. A group with a low claims frequency may be offered lower premiums.

Policy Term

Policy Term

The duration of the policy, whether it is a one-year term or a longer period, impacts the premium calculation.

Medical History

Medical History

The medical history of the insured members, if considered for coverage, may influence the premium amount.

Occupational Hazards

Occupational Hazards

If the insured group involves engaging in high-risk activities or sports, it may result in an adjustment to the premium.

Major Differences Between Workman Compensation Policy and Group Personal Accident Policy

Aspect Workman Compensation Policy Group Personal Accident Policy
Coverage
Provides coverage for work-related injuries and illnesses of employees.
Provides coverage for accidental injuries or death of insured members within the group.
Scope
Mandatory for employers under labor laws to cover employees.
Voluntary and can be opted by employers for specific groups of individuals.
Purpose
Protects employers from financial liabilities arising from employee injuries.
provides financial support to the insured or their beneficiaries in case of accidents.
Insured
Employees or workers engaged in the course of employment.
Group members or individuals specified in the policy.
Premium Calculation
Based on the nature of the business, employee wages, and risk factors.
Calculated based on the sum insured and age group of members.
Coverage Duration
Continuous coverage throughout the policy period.
Coverage is for a specified term, usually one year.
Benefits
Covers medical expenses, disability benefits, and death benefits for employees.
Provides compensation for accidental death, permanent or partial disability, and other benefits as per the policy.
Type of Injuries Covered
Work-related injuries and occupational diseases.
Accidental injuries and death, regardless of the cause.
Commute Coverage
Usually does not cover injuries during daily commutes.
May or may not include coverage for daily commutes.
Legal Requirement
Mandatory for certain businesses under labour laws.
Not mandatory but may be required by certain organizations.
Extent of Coverage
Comprehensive coverage for work-related incidents.
Limited to accidents and injuries specified in the policy.
Purpose of Coverage
Primarily aimed at compensating employees and protecting employers.
Focuses on providing financial assistance to the insured or their beneficiaries.

How to Settle GPA- Group Personal Accidental Policy

Notify the Insurer

Notify the Insurer

Inform the insurance company about the accident and the claim at the earliest. Provide details such as the policy number, date, and time of the accident, and the names of the insured members involved.

Complete Claim Form

Complete Claim Form

Fill out the claim form provided by the insurer, providing all necessary information accurately and truthfully.

Submit Supporting Documents

Submit Supporting Documents

Submit all required documents, such as medical reports, hospital bills, police reports, death certificates (if applicable), and any other relevant evidence supporting the claim.

Claim Evaluation

Claim Evaluation

The insurer will assess the claim based on the policy terms, coverage, and the circumstances of the accident. They may also conduct investigations if needed.

Medical Examination

Medical Examination

In case of injury claims, the insurer may require a medical examination of the injured party to verify the extent of the injuries.

Decision and Settlement

Decision and Settlement

After evaluating the claim, the insurer will make a decision on the settlement amount. If the claim is approved, the insurer will proceed with the settlement process.

Claim Payout

Claim Payout

The insurer will provide compensation as per the policy terms. It could be a lump sum for accidental death or disability, or reimbursement for medical expenses.

Dispute Resolution

Dispute Resolution

In case of claim disputes, the insured can follow the insurer’s complaint resolution process or seek help from the insurance ombudsman.

Exclusions of GPA- Group Personal Accidental Policy

Intentional Self-Injury

Intentional Self-Injury

Any injury or loss resulting from deliberate self-harm or suicide attempts is not covered.

Pre-existing Conditions

Pre-existing Conditions

Injuries or disabilities arising from pre-existing medical conditions or illnesses are excluded from coverage.

War and Terrorism

War and Terrorism

Accidents caused by acts of war, invasion, foreign enemy actions, terrorism, or acts of terrorism are generally not covered.

Participation in Illegal Activities

Participation in Illegal Activities

Injuries sustained while engaging in illegal activities or criminal acts are excluded.

Influence of Alcohol or Drugs

Influence of Alcohol or Drugs

Accidents or injuries that occur while the insured member is under the influence of alcohol, drugs, or any other intoxicating substances are not covered.

Professional Sports and Adventure Activities

Professional Sports and Adventure Activities

Injuries resulting from participation in professional sports events or high-risk adventure activities, such as skydiving or mountaineering, may be excluded.

Pregnancy and Childbirth

Pregnancy and Childbirth

Injuries or complications related to pregnancy or childbirth are typically not covered.

Nuclear and Radioactive Contamination

Nuclear and Radioactive Contamination

Accidents caused by nuclear radiation or radioactive contamination are usually excluded.

Injuries from Civil Unrest

Injuries from Civil Unrest

Accidents arising from civil unrest, riots, or public disturbances may not be covered.

Treatment Outside Policy Territory

Treatment Outside Policy Territory

Medical treatment for injuries received outside the geographical coverage specified in the policy is generally excluded.

Documents Required for Claim Settlement under GPA- Group Personal Accidental Policy

In Case of an Accident

Claim Form

Claim Form

The duly filled and signed claim form provided by the insurance company.

Policy Document

Policy Document

A copy of the policy document showing the coverage details and policy number.

Accident Report

Accident Report

A detailed report describing the accident, including the date, time, location, and circumstances.

Medical Records

Medical Records

Medical certificates, reports, and bills from the attending medical practitioner or hospital, confirming the injuries sustained and the treatment provided.

Death Certificate (If applicable)

Death Certificate (If applicable)

In case of accidental death, a copy of the death certificate is required.

Police Report (If applicable)

Police Report (If applicable)

If the accident involved legal authorities, a copy of the police report or FIR (First Information Report) may be needed.

Witness Statements

Witness Statements

Statements from witnesses who can corroborate the details of the accident.

Attendance Register

Attendance Register

An attendance register of the insured member to verify their presence at the workplace or relevant location during the time of the accident.

Wage Register

Wage Register

A wage register that documents the insured member’s salary or earnings, which may be used to calculate the claim amount.

ID Proof of the Insured

ID Proof of the Insured

Valid identification documents, such as a passport or Aadhaar card, to establish the identity of the insured member.

Documents Required for Claim Settlement under GPA- Group Personal Accidental Policy

In case of a fatal death

Claim Form

Claim Form

A duly filled and signed claim form, providing details of the accident and the deceased employee’s personal information.

Death Certificate (If applicable)

Death Certificate

The original death certificate issued by the relevant authorities, attested if required.

Post-Mortem Report

Post-Mortem Report

If an autopsy was conducted, the post-mortem report detailing the cause of death.

Police Report/FIR

Police Report/FIR

A copy of the First Information Report (FIR) or police report filed in case of an accidental death.

Medical Records

Medical Reports

Medical reports from the hospital or medical facility where the deceased was treated, confirming the cause of death.

ID Proof of the Insured

Identity Proof

Copy of the deceased employee’s identity proof, such as Aadhar card, passport, or driver’s license.

Employment Proof

Employment Proof

Proof of the deceased employee’s employment, such as an appointment letter, work ID, or employment contract.

Employer's Certificate

Employer's Certificate

A certificate from the employer confirming the deceased employee’s job position, salary details, and employment status.s.

Witness Statements

Witness Statements

Statements from witnesses who may have witnessed the accident or have relevant information about the incident.

Bank Details

Bank Details

Details of the nominee or beneficiary’s bank account where the claim amount should be deposited.

Nominee/Beneficiary Proof

Nominee/Beneficiary Proof

Proof of the relationship between the nominee/beneficiary and the deceased employee, such as a legal heir certificate or nomination form.

Injured Employee Attendance in the Attendance Register

Attendance Register

An attendance register of the insured member to verify their presence at the workplace or relevant location during the time of the accident.

Wage Register

Wage Register

A wage register that documents the insured member’s salary or earnings, which may be used to calculate the claim amount.

ID Proof of the Insured

ID Proof of the Insured

Valid identification documents, such as a passport or Aadhaar card, to establish the identity of the insured member.

Contact Information for Claim Settlement: related to GPA- Group Personal Accidental Policy

If Policy Obtained through Agent/Broker

Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn’t take too long. When you’re in trouble, the last thing you want is, to spend all your time and energy in just filing a claim!

If Policy Obtained Directly from Insurance Company

Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer’s claim settlement ratio so that you’re assured that no matter what, your claims will be settled!

Claim Contact Information for Policy from Beemawala.com

If you have taken the policy from Beemawala.com, please use the following contact details to register your claim.

Frequently Asked Questions: (FAQs) on GPA - Group Personal Accidental Insurance:

The GPA Policy is a group insurance plan that provides coverage to a group of individuals against accidental death, disability, or injury.
The GPA Policy covers accidental death, permanent total disablement, and permanent partial disablement due to accidents.
The GPA Policy is specifically designed for groups such as employees of an organization, members of a club, or members of an association.
To download the SBI Personal Accidental Insurance Certificate, visit the SBI General Insurance website or the customer portal, log in with your credentials, and access the policy documents section.
The personal accidental cover in a car insurance policy provides financial protection to the policyholder against accidental death or disability arising from a car accident.
Yes, PNB Rakshak Plus is an insurance policy that offers personal accidental (death) cover, providing financial security to the insured and their family in case of accidental death.
Yes, some insurance providers may offer customization options to add or modify coverage to suit the specific needs of the insured group.
The maximum sum insured under the GPA Policy varies depending on the insurance company and the selected coverage limit.
Generally, pre-existing medical conditions are excluded from coverage under the GPA Policy.
Adventure sports and high-risk activities are typically excluded from the standard coverage, but some insurers may offer add-ons for such activities.
In the event of an accident, inform the insurance company about the claim, fill out the claim form, and submit the required documents for claim processing.
Yes, the GPA Policy is usually renewable on an annual basis, and the policyholder needs to pay the premium to continue the coverage.
GPA is an insurance policy that provides coverage against accidental injuries and death to a group of individuals, such as employees of an organization or members of a specific group.

Yes, SBI offers Personal Accidental Insurance as part of its insurance product portfolio.*

To download the certificate, visit the SBI insurance portal or contact the customer service for assistance.
A Personal Accidental Policy covers accidental death, permanent total disability, and permanent partial disability due to accidents.

Yes, Personal Accidental Insurance specifically covers accidents and their related consequences, while Health Insurance provides coverage for medical expenses due to illnesses and injuries.

Yes, some car insurance policies offer add-on options to include Personal Accidental Cover, providing extra protection for the driver and passengers in case of accidents.
The coverage amount for Personal Accidental Insurance can vary depending on the policy and insurer but is usually a lump sum payment based on the chosen sum insured.

Yes, Group Personal Accidental Insurance is available for organizations to cover their employees or members against accidents.

Yes, Personal Accidental Insurance policies are also available for individuals to protect themselves and their families from accidental risks.

Yes, some policies offer coverage for temporary disabilities, providing financial support during recovery periods.

Yes, HDFC policies may offer Personal Accidental Death Cover as an add-on option to enhance coverage.

Yes, SBI General Insurance offers Personal Accidental Insurance policies.

Personal Accidental Insurance covers accidental death and injuries, while Life Insurance provides coverage for death due to natural causes and other events.

Group Personal Accidental Insurance provides financial security to the insured members and their families in case of accidental disabilities or death.

The policy coverage typically starts after the payment of the premium and as per the policy terms and conditions.

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