Group Personal Accidental Insurance (GPA) policies are taken by the corporates covering employees and their families including dependent spouse, children, parents / parent in law. GHI policies can be tailormade as per the requirement of the corporates.

Below are the coverages in GPA policy:

  • Death
  • Permanent Total Disability (PTD)
  • Permanent Partial Disability (PPD)
  • Temporary Total Disability (TTD)
  • Transportation for carriage of dead body: 2% of Capital Sum Insured or INR 2,500/- whichever is lower
  • Cost of Clothing damaged: INR 1000 per insured person any one accident or actual expenses whichever is lower. Same can be increased as per required of the corporate.
  • Ambulance charges: INR 1000 per insured person any one accident or actual expenses whichever is lower.Same can be increased as per required of the corporate.

Exclusions:

  • Consequence of War, invasion, act of foreign enemy, civil war, civil commotion.
  • Injury as consequence of
    • a) Committing or attempting suicide
    b) Intentional self injury
    c) Under influence of intoxicating liquor
    d) Whilst engaged in aviation, ballooning, whilst maintaining
    e) Pregnancy or childbirth
    f) Venereal disease or insanity
    g) Committing any breach of law with criminal intend
    h) Terrorism
    i) Contracting any illness directly or indirectly arising from HIV