Frequently Asked Questions (GPA)
What are some additional benefits of a Group Personal Accident (GPA) policy?
Employees who purchase a group personal accident insurance policy are primarily covered for accidental death and total/partial permanent disabilities. However, depending on the insurance company, the following further advantages might also be offered.
- Ambulance charges linked to accidental treatments
- Funeral costs
- Cost of transporting mortal remains
- Payment for medical care
- Compensation for certain home renovations needed as a result of accidents
What is the Permanent Disability clause in a GPA policy?
The permanent disability clause of a Group Personal Accident
(GPA) insurance policy typically covers injuries that result in a permanent
loss of function or impairment of a person's physical or mental abilities. This
can include loss of limbs, loss of vision, or paralysis, among other injuries.
The specific terms and conditions of the policy will determine the types of
injuries and disabilities that are covered and the level of compensation
provided. Some policies may also have exclusions or limitations, such as
pre-existing conditions, that may affect the coverage provided.
However, it is best to check the specific terms and conditions of the policy to see what is covered and what is not.
Are all kinds of Injuries covered in a GPA policy?
No, a group personal accident insurance only covers fatalities or injuries brought on by accidents. Natural fatalities, illnesses, self-inflicted injuries, suicide-related deaths or injuries, drinking-related deaths or injuries, etc. are not included.
Is a natural death covered by group personal accident insurance?
No, GPA policies do not cover natural deaths.
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