Group Personal Accident Insurance

GET IN TOUCH

Working in today’s complex world of volatility, uncertainty and ambiguity requires continued focus on employee safety. Companies committed to being Employers of Choice are creating safety nets for their workforce including the provision of a Group Personal Accident Insurance. In today’s race for talent, an insurance plan to cover an employee in the event of accidental death or total and permanent disability is no longer a nice-to-have. It is a must-have and forms part of an employee benefits program.

What is Group Personal Accident Insurance?

Group Personal Accident (GPA) Insurance encompasses extensive coverage against accidental death or injury. It offers lump sum benefits which pays out on a sliding scale based on the injury incurred from the accident and it is also renewable every year. Examples of these could be: 

  • Loss of a thumb of finger 
  • Loss of hearing 
  • Second and third degree burns
  • Broken bones 
  • Rehabilitation 

One of the best features of a group personal accident insurance is that it generally applies 24×7 throughout the world. Thus, even if your firm employs people who spend most of their time either in travelling or foreign locations, a personal accident policy benefits them across the world.

Call our team today if you have any questions so far about Group Personal Accident Insurance.   

Why does my company need Group Personal Accident Insurance?

Duty of Care is a legal obligation of employers to ensure the health, safety and well-being of their employees in the workplace and while traveling for business. Group Personal Accident Insurance provides a safety net to help employers reduce their financial risk exposure and avoid reputational damage. GPA combined with group business travel and worker injury compensation insurance provide employers with a solid foundation to their people risk management strategy. These type of policies demonstrate an employer’s commitment to their Duty of Care obligations and the general well-being of their employees. Our team will work with your HR team to tailor the best policies to suit your business and that are relevant to your industry. Reach out to our team today if you are interested in talking to us about Group Personal Accident Insurance for your people.

How does Group Personal Accident Insurance work?

Group Personal Accident Insurance plans provides a strong safety net for employees and employers against accidental death or injury. The insurance covers the expenses and compensates the insured group members for any injury sustained in the course of their lives (except injuries obtained due to excluded causes). Group members are protected worldwide 24/7The general benefit includes the following:

    • Accidental Death
    • Medical Expenses arising out of accidents
    • Permanent total disability due to an accident
    • Permanent partial disability due to an accident
    • Hospital cash
    • Funeral expenses

15-20 additional coverages, such as dependent child education supplement and trauma counselling benefits, are often included in the policy to provide extensive protection. Policies can be extended to include an employee’s immediate family members who’re traditionally uninsured or under-insured. 

Loss of income due to illness can also be included in a Group Personal Accident insurance. This can support group members undergoing medical treatment which renders them unfit to work.

As these policies can be tailored to your businesses specific needs, please contact our team and we will help to pair you up with an insurer that will work best for you and your business.  

What happens next?

  • Leave you details here and our Corporate Solutions team will get back to you within 1 business day.  
  • We will arrange a time and place that is convenient for you and your HR team, and we will meet you there to discuss your needs and business.
  • Our consultants will take all of the information that your have a given us. We will then use our award-winning brokerage services to find you the best plan for your business using our international network of insurance providers.
  • After you sign onto policy with us, we will see that your employees are fully supported throughout the duration of your coverage with through Expat Insurance.

Call our team and have a chat to us about procuring the maximum coverage and peace of mind for your team. 

DO YOU NEED TO CREATE A SAFETY NET FOR YOUR WORKFORCE?

Protect your employees against accidents and call us today on +65 6439 8026 or leave your details below