Health And AccidentalGroup Personal Accident

Group personal accident

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Group Personal Accident

Group Personal Accident Insurance is a specialized policy designed to provide financial protection to a group of individuals against accidental injuries, disabilities, and fatalities. It offers comprehensive coverage to members of a group, ensuring peace of mind and financial security in times of unforeseen accidents.

Key Features:

1. Coverage for Accidental Injuries: The policy provides coverage for accidental injuries resulting in bodily harm, disability, or death sustained by insured members.

2.AnalyserNode Wide Coverage: Group Personal Accident Insurance covers accidents that occur both on and off duty, offering round-the-clock protection to insured individuals.

3.Customizable Coverage: Policies can be tailored to meet the specific needs of different groups, including employees, members of clubs or associations, and educational institutions.

4.Flexible Sum Insured Options: Various sum insured options are available, allowing groups to select coverage levels suitable for their requirements.

Eligibility Criteria:

Groups eligible for Group Personal Accident Insurance include:

  • Employees of an organization
  • Members of clubs or associations
  • Students of educational institutions
  • Any other defined group of individuals

Coverage Benefits:

1. Accidental Death Benefit: Lump sum payment to the nominee in the event of the insured member's death due to an accident.

2. Permanent Total Disability Benefit: Compensation for total and permanent disability resulting from an accident, impairing the insured member's ability to engage in gainful employment.

3. Permanent Partial Disability Benefit: Partial compensation for disabilities that result in the insured member's partial loss of bodily function or limbs due to an accident.

4. Temporary Total Disability Benefit: Weekly or monthly payments to compensate for loss of income during the insured member's temporary total disability period.

5. Medical Expenses Reimbursement: Reimbursement of reasonable and necessary medical expenses incurred for the treatment of injuries sustained in an accident.

6. Transportation Expenses: Reimbursement of transportation expenses incurred for transferring the insured member to a medical facility following an accident.

Add-On Covers:

Enhance your Group Personal Accident Insurance with the following add-ons:

1. Critical Illness Cover: Provides coverage for specified critical illnesses such as cancer, heart attack, stroke, and organ failure, offering additional financial support during challenging times.

2. Hospital Cash Allowance: Offers a daily cash benefit during hospitalization due to accident-related injuries, helping cover additional expenses such as transportation and incidental costs.

3. Family Cover Extension: Extends coverage to include family members of insured individuals, providing financial protection to the entire household against accidental injuries and disabilities.

4. Income Protection Benefit: Offers a monthly income replacement in the event of temporary total disability, ensuring continuity of income for the insured member and their family during recovery periods.


Group Personal Accident Insurance typically excludes coverage for:

  • Pre-existing disabilities or medical conditions

  • Self-inflicted injuries or attempted suicides

  • Injuries resulting from war, terrorism, or nuclear incidents

Claim Process:

The claim process involves:

  1. Notification of the insurer about the accident and initiation of the claim process.

  2. Submission of required documents, including the claim form, medical reports, and police reports (if applicable).

  3. Assessment of the claim by the insurer and settlement of eligible claims in a timely manner.

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Questions You Might Have

What are pre and post-hospitalization expenses in health insurance?

Pre-hospitalization expenses refer to the medical expenses incurred before getting admitted to a hospital. Post-hospitalization expenses refer to the cost of follow-up tests and consultation treatment charges incurred after getting discharged from the hospital. Health plans in India mostly cover pre-hospitalization expenses up to 30 to 60 days and post-hospitalization expenses up to 60 to 90 days, depending on the plan.

At what age can I include my children in my health insurance plan?

You can include your children in a family floater policy from day 1. In some health plans, children are covered from 91 days onwards. Nonetheless, you are advised to go through the terms and conditions of a health plan carefully to know about the entry age for children.

Which diseases are not covered in health insurance?

A health insurance policy usually does not cover HIV/AIDS treatment except for a few companies. Any claims arising out of congenital disorders, venereal diseases, general debility. sexually transmitted disease and dental treatment/surgery (unless required as a part of treatment) is excluded from health insurance coverage. But do check your policy wordings to know more about the detailed list of exclusions in a health insurance plan.

What is a Cumulative Bonus in a health insurance plan?

A cumulative bonus in health insurance implies monetary benefits that the insurer provides you as a reward for not filing a claim during the previous policy year. For instance, discount on premium or sum insured enhancement. It is also called a No Claim Bonus similar to that in car insurance. However, the policy benefits differ from one health insurance company to another.

What do you mean by No claim bonus in health insurance plans?

No claim bonus (NCB) is a discount on the base premium offered if no claim on the health policy is made during the previous policy term. This bonus is usually given in the form of a premium discount or enhancement of the sum insured amount.

What is the maximum number of health insurance claims allowed in a year?

The maximum number of claims allowed under health insurance during a policy year varies from one plan to another. While some plans allow you to raise only one or two claims per policy tenure, a lot of plans do not come with any limit to the number of claims that you can file during a policy year as long as the sum insured is not exhausted. You can contact your insurer to know about the number of claims that you are permitted to file during a policy year.

What to do if my health insurance policy renewal date is missed?

Ans: If you have missed the renewal date of your health insurance policy, you must renew your policy as soon as possible. You can renew it during the grace period preventing the policy from getting lapsed. But if you renew your policy after the grace period, it will get lapsed and you may have to undergo a medical test or pay a higher renewal premium.