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Understanding Group Personal Accident Insurance: Coverage, Benefits, and More

Posted on 9 Nov, 2023
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Life is unpredictable, and accidents can happen when least expected. In such unfortunate situations, Group Personal Accident Insurance becomes a crucial safety net, offering financial security to individuals and their families. This insurance covers various accidents, ensuring that policyholders and their loved ones are protected against the financial burden that can arise from accidents.

Group Personal Accident Insurance

Group Personal Accident Insurance typically includes the following coverages:

1.Accidental Death Benefit: In the event of the policyholder's death due to an accident, the insurance pays a lump sum amount to the nominee or beneficiary, providing financial support during a difficult time.

2.Permanent Total Disability Benefit: If an accident leads to permanent total disability, the policyholder receives a predetermined sum as compensation. This helps cover rehabilitation expenses and maintain a reasonable quality of life.

3.Permanent Partial Disability Benefit: When an accident results in partial disability, the insurance provides a percentage of the total coverage amount based on the extent of the disability. This ensures that the policyholder receives financial assistance to adapt to the changes in their life.

4.Temporary Total Disability Benefit: If the policyholder is temporarily unable to work due to an accident, this benefit offers a regular income replacement, helping to cover living expenses and medical bills.

5.Medical Expenses Coverage: Group Personal Accident Insurance often covers medical expenses incurred due to injuries sustained in an accident. This includes medical and other related costs.

Exclusions and Limitations

While Group Personal Accident Insurance offers complete coverage, there are specific exclusions and limitations to be aware of. Common exclusions include suicide, attempt to commit suicide or intentionally self-inflicted injury, being under the influence, war and nuclear hazards, and high-risk adventurous activities.

Why do you need Group Personal Accident Insurance?

To protect the life risk of members enrolled against unforeseen accidental events. Human life is priceless; loss because of an event of accidental death or disability can never be covered. What can be done is to protect the family from the sudden and unexpected financial burden and help them in the member's absence. This cover is, therefore, essential to make the members feel secure about the dependents in their absence and also for their own safety against any financial risk due to any accidental disability.

ICICI Lombard Group Personal Accident Insurance Features

ICICI Lombard's Group Personal Accident Insurance is one of the oldest private insurers writing this product risk. Our claims servicing is one of the best in the industry. We provide an optional cashless facility under GPA product for accidental hospitalisation coverage. You can easily claim for fatal claims online with live tracking of cases. One of the main reasons to opt for ICICI Lombard’s Insurance is that we offer a complete family coverage option for employer-employee construct approaches.


In conclusion, Group Personal Accident Insurance is a valuable tool in safeguarding yourself and your loved ones against the uncertainties of life. Its core coverage components, additional benefits, and customization options make it a versatile and essential part of your insurance portfolio. While understanding the exclusions and limitations is crucial, having the right insurance in place can provide peace of mind and financial security, ensuring that you and your family are well-protected in the event of an accident. Consider exploring ICICI Lombard's offerings to find an all-encompassing insurance that suits your needs and provides the necessary protection for your future.

  • Group Health Insurance
  • Product Code: 4016
  • Product UIN: ICIHLGP21381V05202

Help us know you better!

This contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale.ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). (Group Health Insurance, 4010 , IRDAN115P0010V01200607)