Group Personal Accident Insurance
Group personal accident cover pays a defined benefit if a covered member dies or is disabled as a result of an accident — a distinct risk from illness, and typically a separate policy from group mediclaim.
Defined protection against a distinct risk: accident, not illness
The policy responds to accidental death and disability specifically, rather than illness — which is why it’s typically held alongside, not instead of, a group mediclaim scheme.
Certain benefits may be tax-exempt depending on current law. Your advisor will confirm what applies to your scheme.
Why group personal accident cover matters
A distinct risk from illness
Accident cover responds to a different kind of event than mediclaim — the two are built to complement, not duplicate, each other.
Covers disability, not just death
Temporary and permanent disability benefits protect a member’s income even when the outcome isn’t fatal.
Support beyond the individual
Child education and funeral expense benefits, where included, extend support to the people the member leaves behind.
What group personal accident insurance covers
Accidental Death Benefit
A defined benefit paid if a covered member dies by accident.
Temporary Disability
A benefit for temporary total disability following an accident.
Permanent Disability
A benefit for permanent total or partial disability.
Child Education Benefit
Available on plans that include it.
Medical Expense Reimbursement
Up to the plan’s sub-limit for accident-related treatment.
Transport & Funeral Cover
Transport of mortal remains and funeral expense cover.
Built for employers protecting their people
Employers
Offer accident protection as a defined workforce benefit.
Workforce in Higher-Risk Roles
Roles with more on-the-job accident exposure.
HR & People Teams
Manage enrolment and scheme structure for the group.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every group scheme enquiry, start to finish.
Enquire
Tell us about your workforce and the accident risks you want to cover.
Learn & Compare
We explain how sum insured is set by salary or role, then compare relevant schemes across insurers.
Apply & Issue
Your advisor handles enrolment paperwork and liaises with the insurer on the scheme.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk assists after an accident.
Frequently asked questions
Cover that often goes with group personal accident
Looking for the right accident cover for your team?
Talk to an advisor about how Group Personal Accident Insurance fits your workforce — we compare across insurers rather than selling a single product.