The Promise That
Outlasts Uncertainty.
Group Personal Accident isn't just a policy. It's a powerful statement to your team: we've got your back, no matter what.
Design Your Company's Safety Net
The Company We Keep
"The true value of a GPA policy was proven when an employee needed it most. The immediate financial support we could provide, thanks to our Ethika policy, was a powerful demonstration of our company's values."
- Rajeev T., HR Director, TechSolutions India
Beyond a Compliance Checkbox.
In a world where accidents happen, a strong GPA policy protects your most valuable asset—your people. It’s a strategic investment that pays dividends in morale and loyalty.
Boost Morale & Loyalty
A GPA policy provides a crucial safety net, proving your company's commitment to your team's well-being. This investment directly translates to increased trust and loyalty.
Financial Stability for All
This benefit offers financial protection against the costs of disability or death, providing peace of mind that allows employees to be more focused and productive.
Competitive Advantage
Offering a robust GPA plan helps you stand out in the job market, attracting and retaining top talent who prioritize comprehensive and thoughtful benefits.
The Ethika Difference.
We go beyond a simple policy to provide a seamless, human-centric experience that truly supports your team when they need it most.
Dedicated Claims Advocate
When your employee or their family faces a crisis, they won't get a chatbot. They get a single, human point of contact to guide them through the entire claims process with empathy and speed.
Paperless & Painless Process
Our integrated platform simplifies everything from policy enrollment to claims submission. No more endless paperwork or follow-up calls for your HR team or employees.
Customized Policy Design
We don't sell off-the-shelf products. We work with you to tailor a policy that meets your unique needs and budget, offering a range of benefits and riders.
Unlock a 10x Advantage: The GPA Top-Up.
Empower your employees to enhance their financial security at an unbeatable price. By allowing them to top up their coverage through your group plan, they can get a policy for a fraction of the market cost.
The Employee's Advantage
A similar individual policy on the market could cost 10 times more. By offering a group top-up, you provide a high-value benefit that directly impacts their financial well-being, building loyalty and appreciation.
The HR Advantage
Our Ethika OS platform handles the entire enrollment process seamlessly. Your HR team can set it up once and our software manages the rest, from communicating the offer to collecting premiums, with zero administrative hassle.
Comprehensive Coverage for Unpredictable Moments.
Our policies go beyond the basics to provide a full safety net for your team.
Accidental Death
A lump sum is paid to the nominee in the event of death caused by an accident, providing immediate financial security for the family.
Total & Permanent Partial Disability
Financial compensation is provided if an employee suffers a permanent disability that prevents them from working, with the amount based on the extent of the disability.
Temporary Total Disability
A weekly compensation is paid to an employee who is temporarily unable to work due to an accident, helping to replace lost income during the recovery period.
Medical Expenses due to Accident
This benefit covers hospitalization and surgical expenses resulting directly from an accident.
Outpatient expenses due to Accident
Coverage for outpatient medical expenses like doctor consultations, diagnostics, and medicines following an accident.
Reimbursement of Charges
Covers expenses such as ambulance charges, transportation of mortal remains, and other related charges resulting from an accident, providing a comprehensive safety net.
Broken Bones
A lump sum is paid for broken bones, based on the policy's specified list, easing the financial burden of unexpected injuries.
Children's Education Benefit
An optional benefit for the children's education in case of the employee's accidental death or permanent total disability, securing their future even in a crisis.
Estimate Your Group's Premium.
Use our simple calculator to get an instant, personalized estimate for your Group Personal Accident policy. This is a powerful tool for planning your benefits budget.
Your Company Details
Estimated Premium (Excluding GST)
Annual Premium:
Cost per Employee (Annual):
₹ 0
Note: This is an estimated cost without GST. Final rates may vary based on group demographics and specific policy features. Contact us for a precise quote.
The "Red Carpet" Claims Experience
We handle the stress, so you can focus on your people. Our claims process is fast, human-centric, and entirely hassle-free for your team.
Intimation
The first step is to simply inform us about the unfortunate accident. Our team is available 24/7 to receive the intimation and provide immediate guidance.
Document Submission
Our dedicated claims advocate will provide you with a clear, simple checklist of all required documents (e.g., claim form, FIR, medical reports). We will guide you through this process to ensure nothing is missed.
Processing & Settlement
After submission, our team handles all communication with the insurer. We push for swift approval and ensure the claim amount is settled with the nominee or legal heir in a timely and compassionate manner.
Clear Terms. No Fine Print.
We believe in transparency. Here are some standard exclusions to be aware of:
Intoxication
Injuries caused by the influence of drugs or alcohol.
Self-Inflicted Injury
Injuries that are intentionally self-inflicted, including suicide or attempted suicide.
Acts of War
Injuries or death resulting from war, civil unrest, invasion, or nuclear contamination.
Maternity/Childbirth
Any injury or death related to pregnancy or childbirth.
Hazardous Activities
Injuries sustained while participating in dangerous or adventure sports without prior approval.
Your Questions, Answered.
The employee will get compensated from all the policies, provided that they did not declare their annual income and previous policy details incorrectly while taking their personal policy. Insurers tend to decline cover for a total sum insured that is more than 10 times the employee's CTC.
Yes, many of our policies offer worldwide coverage for accidents, though claims are typically settled in Indian currency. This is a key feature for modern, global workforces with employees who travel frequently.
Group Personal Accident policies cover accidents only, not illnesses. Therefore, pre-existing conditions do not impact coverage, and the policy is effective from Day 1 for all employees.
A GPA policy acts as an additional benefit. Compensation from a Workmen’s Compensation policy is often minimal. A GPA plan provides extra, often substantial, benefits for employees, demonstrating a commitment to their well-being that goes beyond legal requirements.