Financial protection when an accident changes everything
Employees can face serious financial consequences from accidental death or disability. Group Personal Accident Insurance
provides defined benefits for covered accidental events and is an important complement to employee health insurance.
Typical benefits
Flexible accident protection designed to support employees and their families when unexpected events occur.
Accidental Death Benefit
Accidental death benefit
Permanent Disability Benefit
Permanent total or partial disability benefits as defined
Temporary Disability Benefit
Temporary total disability where selected
Accident Medical Expenses
Accident-related medical or other optional benefits where available
Where it is especially useful?
Well suited to organisations where employees face operational, travel or workplace-related accident risks.
Factories and industrial units
Construction and infrastructure companies
Hotels and large service organisations
Transport and logistics businesses
Employees travelling or working in operational environments
GPA vs GMC
GPA and GMC address different employee protection needs and can work together as part of a broader benefits programme.
GMC: Medical Expense Protection
GMC primarily addresses eligible medical expenses from illness and hospitalisation
GPA: Accident Benefit Protection
GPA focuses on financial benefits triggered by covered accidental events
Complementary Employee Protection
For many employers, both covers work best together rather than as substitutes
VR Insurance can review your requirements and help structure appropriate protection for your business
For information purposes. Coverage, exclusions, limits and conditions are governed by the applicable policy wording.
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Comprehensive Coverage Review
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Expert Guidance Provided
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