Group Personal Accident Insurance
Accident protection designed for teams, employees, associations, and organized groups.
Product Overview
Group Personal Accident Insurance is designed to provide financial protection for employees, members, teams, associations, clubs, and other organized groups against accidental death and disability.
Official insurer sources describe it as a cost-effective group cover that can protect members worldwide, with tailored plans depending on the needs of the employer, institution, or group sponsor.
Coverage Levels
Core accident benefits
Common group covers include accidental death, permanent total disability, permanent partial disability, and temporary total disability caused by accidental bodily injury.
Flexible group structure
Insurer materials describe this product as suitable for employer-employee groups, societies, clubs, associations, and similar organized groups, with some plans also allowing dependent or family cover where selected.
Scope and territory
Official insurer sources commonly describe worldwide protection for accidental death and disability benefits, with optional extensions depending on the specific policy schedule and cover selected.
Benefits
Financial support for death and disability
ICICI Lombard and IndusInd insurer materials describe fixed compensation for accidental death, permanent total disablement, permanent partial disablement, and in some plans weekly support for temporary total disability.
Optional medical and recovery extensions
Available policy extensions may include medical expense cover, hospitalisation support, carriage or transportation of mortal remains, ambulance costs, and related accident-recovery benefits depending on the selected plan.
Employer and group advantages
Group plans are commonly positioned as easier to enroll, more cost-effective than retail plans for large groups, and useful for supporting workforce or member welfare while reducing financial stress after accidents.