Group Personal Accident Insurance
24-hour protection for the team that drives your business.
Group Personal Accident insurance covers financial expenditure in the unfortunate event of an accident resulting in injury or death, supporting your employees and their families whenever and wherever an accident occurs.
Overview
Protection that doesn't stop at the office door
An accident may not occur on your workplace premises, and an injury may not be work-related — that's why 24-hour protection for your personnel matters.
Your employees are one of your company's most valuable assets, and Group Personal Accident insurance is designed to protect that value against a wide range of unfortunate circumstances, both on and off the job.
Who Needs It
Is this relevant to you?
- Employers wanting round-the-clock protection for their workforce, not just on-site cover.
- Businesses with employees in higher-risk roles (e.g. petrol station attendants, taxi drivers).
- Organisations wanting to support employees through both work and non-work accidents.
- HR teams building a comprehensive employee benefits package.
Coverage
What It Typically Covers
Read Carefully
Important Notes
- Higher-risk occupations (such as petrol station attendants or taxi drivers) are typically included, but should be declared accurately for correct pricing.
- Partial disability coverage ranges from minor to life-threatening injuries — benefit amounts scale with severity.
- Repatriation expense reimbursement typically applies only following death.
- This lump-sum medical benefit is in addition to, not a replacement for, standard health insurance.
Our Role
How Omega Helps
Structure Cover for Your Actual Workforce
We help ensure higher-risk roles in your business are properly declared and covered.
Explain the Disability Benefit Scale
We clarify how partial disability payouts scale with severity, so expectations are clear before anyone needs to rely on the policy.
Coordinate with Existing Medical Cover
We make sure this lump-sum benefit complements your Group Medical Insurance rather than duplicating it unnecessarily.
Support at Claims Time
If an employee is injured or worse, we help the business and family navigate the claims process.
If You Need to Claim
Claims Support
FAQs
Frequently Asked Questions
Related Solutions
You may also need
Give your team round-the-clock protection.
Talk to Omega about Group Personal Accident cover for your workforce.
Get a QuoteProtect Your Team with Group Personal Accident Insurance
The Group Personal Accident insurance policy covers financial expenditures in the unfortunate event of an accident that results in injury or death. This policy supports your employee’s family’s wellness. Your employees, as one of your company’s most valuable assets, require insurance from a variety of terrible circumstances.
An accident may not occur on the premises of your workplace, and an injury may not be associated with work. That is why you require 24-hour protection for your personnel.
Unexpected and Accidental Death
Life is unpredictable, and anything may happen at any time. Our group personal accident insurance provides financial protection for your loved ones in the event of a sudden and accidental death.
PTD As a result of an accident
Accidents can occasionally have far-reaching implications. If you are permanently and totally disabled as a consequence of an accident, our coverage guarantees that you receive the financial aid you require to get through these tough times.
Expenses Incurred As a Result of An Accident
If you are away from home and an accident happens, our insurance will cover the costs of repatriating the mortal remains.
We understand how vital it is to be with loved ones during these trying times, and we’re here to assist with the financial burden of bringing a loved one home.
Medical Expenses Due to Accident
Hospital bills are usually covered by your health insurance, however with this policy you get an additional lump sum amount which you could use as repayment of, or to further support, any medical, surgical or hospital fees required as a result of an accident.
- Includes certain higher-risk jobs like petrol station attendants and taxi drivers
- Lump sum payment in case of accidental death or permanent disability sustained by the employee
- Extensive partial disability coverage ranging from the smallest disability to the life-threatening ones
- Reimbursement of repatriation expenses – only following death
Our Partners
Trusted coverage through our exceptional network of insurance partners.
Frequently Asked Questions
What is the purpose of the Group Personal Accident insurance policy?
The Group Personal Accident insurance policy is designed to cover financial expenses in the unfortunate event of an accident that leads to injury or death, ensuring the well-being of your employee’s family.
How does the "Permanent Partial Disability" coverage work?
This coverage is for situations where an accident causes a disability that is not total but is permanent. The insurance compensates based on the severity of the disability, ensuring support regardless of the depth of the injury.
Can you explain the "repatriation of mortal remains" benefit?
If an insured individual has an accident away from home, this benefit covers the costs of bringing their mortal remains back home, alleviating the financial stress during such difficult times.
What does the policy offer in the case of accidental death or permanent disability?
The policy provides a lump sum payment if an employee sustains accidental death or permanent disability.
