A health policy pays for treatment. It does not replace the income a family loses when an employee is killed or permanently disabled by an accident. Group Personal Accident cover fills that gap with a defined, immediate benefit.
What group personal accident insurance is
Group Personal Accident (GPA) pays defined benefits on theaccidental death or disablement of an employee— on a 24-hour, worldwide basis, whether on duty or off. It is benefit-based: the sum is paid regardless of actual medical expenses.
Does health insurance cover workplace accidents?
What it covers
- Accidental death— the full capital sum to the nominee;
- Permanent total disablement (PTD)— typically the full sum;
- Permanent partial disablement (PPD)— a percentage by scale;
- Temporary total disablement (TTD)— a weekly income benefit during recovery.
Many programmes add education benefits for children, funeral costs and ambulance cover.
How the sum insured is set
GPA is usually written as amultiple of annual salary— commonly a few times CTC, or a fixed number of months’ pay — scaled to give a family meaningful financial support.
GPA vs Employees’ Compensation
Employees’ Compensation (Workmen’s Compensation)is a statutory cover for injury arising out of and in the course of employment.GPAis a 24-hour, all-accident, benefit-based cover that applies on or off duty. Many employers carry both — they serve different purposes.
Industries that need it most
Manufacturing, construction, logistics and transport, field sales, and any workforce that travels or works in physical environments — where accidental injury is a live, everyday risk.
What it does not cover
Typical Exclusions
- •self-inflicted injury and suicide;
- •injury while under the influence of alcohol or drugs;
- •war and nuclear risks;
- •illness or natural death (this is an accident-only cover).
At the time of a claim
Prompt intimation with the accident report, medical/disability certification and, for death claims, the death certificate and nominee documents, keeps settlement fast — which is exactly when a family needs the money.
How Aurevian helps
Aurevian helps youset benefit multiples that genuinely protect families, add TTD and medical-extension where relevant, coordinate GPA with health and statutory cover, and manage claimsso the benefit reaches the family without friction.
“The bill for an accident is only part of the cost. GPA covers the part a family actually lives with.”
