Group Personal Accident (GPA)

Overview

Accidents happen, in the workplace more than anywhere else and to a large extent, with more severity. To cushion staff, an employer may opt to take the Group Accident Cover to ensure employees’ welfare is taken care of. This is the equivalent of a Personal Accident Cover for each employee although it differs from an Individual Personal Cover because the company itself pays premiums for each employee

The Group Personal Accident covers your employees on a full-time basis unlike the Work Injury Benefits Act/ Employers Liability policy which is strictly defined and only covers employees when they are at work (usually 8am-5pm or 8-hour work shift). GPA is flexible and the benefits payable under this policy may be fixed as multiples of employee’s earnings or as fixed sum per person dependent on the employer’s contractual obligations and financial ability.

Whereas the Work Injury benefits Act/Employers Liability cover provides protection for your legal liability to compensate employees for injuries resulting from accidents at work, the Group Personal Accident cover is a twenty four (24) hour benefit policy and applies on the occurrence of an injury. Get a free consultation and quote today.

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Scope

This cover insures against accidents that may occur at work, home, while traveling or during recreation round the clock.

It can also be tailor-made as an occupational only personal accident cover only covering for accidents that arise during or out of your employment. Injuries are assessed against a defined industry accepted scale

The benefits in this cover would be dependent on the following.

  • Capital Sum Benefit
  • Estimated Annual Earnings
  • Weekly Benefits for an agreed period
  • Reimbursement (medical cash) up to an agreed limit –

Coverage Benefits

A beneficiary will be paid the specified limits or multiples of annual salary in case of the insured person's death.

Total and absolute disablement from engaging in or giving attention to an insured person's usual occupation.

Disablement wholly preventing an insured person from engaging in or giving attention to usual occupation.

Include operation fees, cost of surgical appliances, dental ophthalmic or nursing home charges and traveling expenses including ambulance costs reasonably incurred by the insured as a result of injury.

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