Robinhood Insurance Broker Private Limited

Group Personal Accident

Group Personal Accident

Considering the type of lifestyle that every employee lives today, he is exposed to various risk. These risk may lead to accidental death and disability while at work or while travelling to and fro the work place.  In order to provide a compensation in case of un events, the employer can buy a Group Personal Accident Policy. A Group Personal Accident policy provides a worldwide coverage along with a Lump sum benefit in case of any such events to the employee or his nominee.

Key features of Group Personal Accident:

  • Group policy are offered to firm, companies, association and clubs which are either named or unnamed.
  • Easy Policy Administrations on basis of the requirement received from the client
  • 24X7 worldwide cover provided.
  • Sum Assured is calculated on the basis of Salary and Category the employer belongs to
  • Discounts are offered to organizations with large group size
  • Additions and deletions are allowed during the currency of the policy depending on people joining and leaving the organization.
  • Tailor made Policy available as per the requirement given by the Organization.

Coverages offered under a Group Personal Accident Policy

Below given are the coverages offered under a Group Personal Accident Policy:

  • Accidental Death:
  • Accidental Total Disability: This disablement is permanent and irrecoverable in nature and is absolutely total. Due to this disability the insured person is prevented from engaging into any gainful employment. E.g. Paralysis
  • Accidental Permanent Partial Disability: This disablement is similar to Total Disablement but partial in nature. E.g. Loss of one eye sight, loss of one finger, etc.
  • Temporary Total Disability: This is a disablement which is total but for a temporary period.

Let us understand how the benefits are paid under the personal accident policy. Below given is a specimen table of benefits on the basis of the sum insured of Rs. 5 Lacs which sum insured is selected for the purpose of illustration:


Amount paid as Compensation

Accidental Death

100% of the Capital Sum Insured (Rs. 5 Lacs)

Loss of 2 Limbs or both eyes or one limb and one eye

100% of Capital Sum Insured (Rs. 5 Lacs)

Loss of one limb or one eye

50% of Capital Sum Insured (Rs. 2.5Lacs)

Permanent Total Disablement other than the above (E.g. Paralysis)

100% of Capital Sum Insured (Rs. 5Lacs)

Permanent Partial Disablement

% will be paid as per the chart in the policy wordings

Temporary Total Disablement

Weekly payment of Rs. 5000 (i.e. One percent of the capital sum insured) subject to a maximum Limit or 100 weeks.

Please Note: Following varies depending on the insurance company you are choosing.

Additional Benefits Offered under the Group Personal Accident Policy are:

Education Grant – In the event of the death or permanent total disability, this policy shall pay for the education expenses for the dependent children (Max 2, upto the age of 25yrs), in addition to the Capital Sum Insured.

Hospitalization Expenses due to accident: Any expenses incurred for hospitalization due to the accident shall be covered under the policy up to the limit specified.

Transportation of Mortal Remains: Expenses incurred for transporting the mortal remains of the insured from the place of the accident or from the hospital to the residence or cremation ground shall be covered.

Emergency Ambulance: Expenses incurred on an ambulance used to transfer the insured person to the nearest hospital will be covered.

Exclusions under a personal Accident Policy

No Compensation will be payable under the personal accident policy due to the below reasons:

  • From intentional self-injury, suicide or attempted suicide
  • Whilst under the influence of intoxicating liquor or drugs
  • Engaging in aviation whist mounting into, dismounting from or travelling in any aircraft other than as passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
  • Directly or indirectly caused due to venereal diseases or insanity


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