A Group Personal Accident Insurance Policy is an important part of the employee benefits package provided by the employers to their employees. A Group Personal Accident Insurance Policy is also known as a GPA Insurance Policy. A GPA Insurance Policy provides compensation in case the employee suffers from accidental death or permanent disability (total or partial) or temporary total disability on account of an accident.
How to file a death claim under a Group Personal Accident Insurance Policy?
The Insured needs to submit the following documents need to be provided to the Group Personal Accident Insurance Company:
1. Completely filled Group Personal Accident Claim Form with Company Stamp and Covering Letter from the Employer
2. Attested Copy of the Post-Mortem Reports
3. Attested Copy of the FIR issued by the Police Station
4. Attested Copy of the Death Certificate
5. Attested Inquest Panchnama (in case of spot Accidental Death where dead body shifted to hospital without informing to police – In case of panchayat)
6. Attested Copy of Spot Panchnama (In case of spot Accidental Death)
7. The Forensic Science Laboratory (FSL) Report (If recommended in Post-Mortem Report) in case of Snake Bite/Poisonous Animal Bite
8. Certificate from State electricity board, Electricity Board’s Panchnama (Optional) in case of Electrocution
9. Attested Railway Police Panchnama and attested Railway station master report (In case of railway Accident)
How to make a Permanent Total Disability and Permanent Partial Disability claim under a Group Personal Accident Insurance Policy?
The Insured needs to submit the following documents need to be provided to the GPA Insurance Company:
1. Completely filled Group Personal Accident Claim Form with Company Stamp and Covering Letter from the Employer
2. Any Reports/X-Rays which are essential to confirm the type and percentage of disability
3. Disability Certificate (Authorised by medical officer/civil surgeon of civil hospital / govt. hospital of the district / units concerned, stating percentage of disablement)
4. Attested Copy of the FIR (if reported to the Police Authority)
5. Letter from the employer stating the description of the accident
6. Original medical bills with prescriptions/treatment papers. (If medical benefits are covered)
7. Photographs of the Injury reflecting Disability
How to file a Temporary Total Disability claim under a Group Personal Accident Insurance Policy?
The Insured needs to submit the following documents need to be provided to the GPA Insurance Company:
1. Completely filled Group Personal Accident Claim Form with Company Stamp and Covering Letter from the Employer
2. Fitness certificate from treating Doctor
3. Medical Certificate (Medical Practitioner’s certificate confirming injury and advising rest/ unfit to work for specified number of days)
4. Leave Certificate from the Employer
5. Attested Copy of the FIR (if reported to the Police Authority)
6. Original Medical Bills with Prescriptions, Discharge Card, X-ray report in case of fracture or as the case may be. (Original medical bills required if medical expense is covered)
What are the additional Documents required in order to make the GPA Insurance Claims Payment?
The additional documents that need to be submitted in order to process the GPA Insurance Policy Claims are as follows:
If Claim Payment needs to be done on the name of the employee
1. No Objection Certificate from the Employer
2. Bank Account Details of the employee to process the Group Personal Accident Insurance Policy Claim Amount
3. KYC Documents (Photo ID Proof, Address Proof)
If Claim Payment needs to be done on the name of the nominee
1. Payee Name of the Nominee
2. No Objection Certificate from the Employer to process the GPA Insurance Claim Amount in the bank account of the Nominee
3. Legal Heir Certificate/Consent Letter from all Nominees/Legal Heirs in case of more than 1 Nominee/Legal Heir
4. KYC Documents (Photo ID Proof, Address Proof)
5. Bank Account Details of the Nominee to process the GPA Insurance Claim Amount