Group Personal Accident Insurance (GPA Insurance)
Group Personal Accident Insurance cover agrees to compensate the policyholder if during the cover period, the insured suffers an injury caused by an accident. The injury must lead to death, disablement or medical expenses. The maximum amount the insurer will pay is limited to the amount stated in the policy schedule.
What this policy covers
- Death as a result of an accident
- Permanent disability
- Temporary Total Disability
- Medical Expenses on re-imbursement
This policy does not cover death or disablements caused by;
- Intentional self-injury
- The insured engaging in sports involving risk of accident including bungee jumping among others
- Terrorism
- Death, sickness or disease not resulting from an accident
- Cosmetic or elective surgery
- Pre-existing conditions
This policy is usually combined with WIBA to ensure that the employees are covered for accidents 24 hours a day and not only during working hours. The resulting policy when GPA is combined with WIBA is called WIBA Plus.
WIBA plus offers more comprehensive coverage compared to WIBA only. If your company requires a more comprehensive coverage then WIBA Plus is a better choice. If standard coverage is sufficient then you can opt for WIBA only.
If you have any questions on WIBA Insurance, WIBA Plus or Group Personal Accident (GPA), please get in touch with us: email: info@hillspangroup.com
Tel: +254 709 075 500/+254 769 487 794
