Group Personal Accident Cover to Protect Your Employees Against Unforeseen Incidents

Key GPA Features

How Onsurity Stands Out

Accidental Death

In the event of an accidental death of the insured member, the nominee receives the principal amount from the insurer.

Permanent Total Disability (PTD)

100% of the sum insured is provided against irreversible disability that prevents the insured from working.

Permanent Partial Disability (PPD)

100% of the sum insured is provided against an irreversible loss of a body part or an organ.

Temporary Total Disability (TTD)

Any accidental disability that temporarily prevents the insured from working has extended GPA coverage time frame with Onsurity membership.

Ambulance Cover

While many providers offer only meagre ambulance cover or none at all, Onsurity includes ambulance charges as a standard GPA benefit — not an optional add-on.

Education for Children

A one-time payout (over and above the death payout) is paid to cover education of maximum 2 children.

Funeral and Repatriation Expenses

Up to ₹25,000 (higher than the industry average) for funeral expenses.

Coverage for Vehicle/Home Modification

Onsurity is one of the few platforms to offer up to ₹25,000 in vehicle and home modifications to accommodate lifestyle adjustments following an accidental disability.

Accidental Medical Reimbursement

Claim for medical expenses related to the accident is also covered (medical expenses occurring from accidental death, permanent, and temporary disability are only covered).

Benefit

Silver

Gold

Platinum

Accidental Death (AD)

100% of the SI

100% of the SI

100% of the SI

Permanent Total Disablement (PTD)

100% of the SI

100% of the SI

100% of the SI

Permanent Partial Disability (PPD)

100% of the SI

100% of the SI

100% of the SI

Temporary Total Disability (TTD)

—

1% of the SI or ₹5,000, whichever is less, for 52 weeks

2% of the SI or ₹10,000, whichever is less, for 104 weeks

Medical expenses / Reimbursement

—

—

20% of SI or up to ₹1 Lakh

Repatriation of Mortal remains

—

—

5% of SI or up to ₹25,000

Funeral Expenses

—

—

5% of SI or up to ₹25,000

Child Education Cover

—

—

10% of SI or up to ₹20,000 per child

Ambulance Charges

—

—

₹2,500 per event

Modification of Vehicle / Home

—

—

5% of SI or up to ₹25,000