Group Personal Accident
Group Personal Accident (GPA) provides compensation in the event of injuries or death caused by sudden and unforeseen accident. Coverage is provided 24/7. This product is specially customized according to your needs and can be purchased by a company to cover its employees, provided that all employees are included for coverage.
The Basic Policy Provides Coverage Against:
- Accidental Death
- Accidental Permanent Disablement
Additional Coverage With Extra Premium:
- Temporary Total Disablement
- Temporary Partial Disablement
- Accidental Medical Expenses
What Is Can Extension Covers
- Animal or insect excluding any bites that result in virus or bacterial transmission such as dengue and malaria
- Any accidents without external sign of injury such as drowning, gas inhalation and food poisoning
- Disappearance
- Flying as a fare-paying passenger in a commercial airline
- Hijacking, kidnap and unprovoked murder and assault
- Intoxication except when in violation of law
- Motorcycling
- Natural disasters such as earthquakes and tsunami
- Strike, riot and civil commotion
- Terrorism
Scenario Examples
Scenario 1
Scenario 2
Scenario 1
Company A bought a Group Personal Accident insurance policy for every staff member, providing coverage for Accident Death and Disablement with a sum insured of RM 100,000 per person. The policy also includes coverage for Funeral expenses up to RM 3,000.00. Mr. X was a staff member of Company A and was involved in a fatal accident on his way back home after work. Unfortunately, he passed away. After 2 months, the insurer received all the supporting documents and confirmed that Mr. X had a valid driving license. They paid out a compensation amount of RM 103,000.00 to Company A.
Scenario 2
Ms. Y works for Company ABC, which offers Group Hospitalization and Surgical Insurance (GHS) and Group Personal Accident policies. The benefits provided by the Group Personal Accident policy include coverage for Accident Death and Disablement up to RM 50,000.00, Accident Medical Reimbursement up to RM 3,000.00, and Funeral Expenses up to RM 3,000.00. Over the weekend, Ms. Y had an accident and fell down, resulting in minor injuries. She received outpatient treatment from a clinic near her house, and the total bill came to RM300. Ms. Y submitted the original itemized bill to the insurer. She received a compensation of RM 300.00 after one week.
Company A bought a Group Personal Accident insurance policy for every staff member, providing coverage for Accident Death and Disablement with a sum insured of RM 100,000 per person. The policy also includes coverage for Funeral expenses up to RM 3,000.00. Mr. X was a staff member of Company A and was involved in a fatal accident on his way back home after work. Unfortunately, he passed away. After 2 months, the insurer received all the supporting documents and confirmed that Mr. X had a valid driving license. They paid out a compensation amount of RM 103,000.00 to Company A.
Ms. Y works for Company ABC, which offers Group Hospitalization and Surgical Insurance (GHS) and Group Personal Accident policies. The benefits provided by the Group Personal Accident policy include coverage for Accident Death and Disablement up to RM 50,000.00, Accident Medical Reimbursement up to RM 3,000.00, and Funeral Expenses up to RM 3,000.00. Over the weekend, Ms. Y had an accident and fell down, resulting in minor injuries. She received outpatient treatment from a clinic near her house, and the total bill came to RM300. Ms. Y submitted the original itemized bill to the insurer. She received a compensation of RM 300.00 after one week.
Related News
Source: Free Malaysia Today
Source: New Straits Times
Source: The Star
Source: Ministry of Transport Malaysia
Source: New Straits Times
Contact Us
What Information Needs To Be Provided In Order To Get A Quotation?
Please fill up the form below and contact our friendly staff by phone, email, or messaging us.
- Company Name
- Company Registration Number
- Business Address
- Nature of Business
- Claim History for past 3 years
- Staff details, such as position and sum insured by category.
- If your company has a group personal accident policy, please share the table of benefits with us.
This information is provided for reference only. For complete details regarding benefits, terms, and exclusions, please refer to the policy contract. The information here serves as a brief summary for quick and easy access. The exact terms and conditions that apply are stated in the policy contract.