Group Personal Accident Insurance Policy

What is the Claims Process in a Group Personal Accident Insurance Policy?

calendar Jun 10, 2026

Claims Process in a Group Personal Accident Insurance Policy is the procedure for claiming compensation after an employee suffers accidental death, permanent disability or temporary total disability. The guide explains how to file death claims, permanent total disability claims, permanent partial disability claims and temporary total disability claims under a GPA policy, and lists additional payment documents. A Group Personal Accident Insurance Policy, also called a GPA Insurance Policy, compensates employees for accidental death, permanent total or partial disability and temporary total disability caused by an accident. For a death claim, the employer informs the insurance broker, who informs the Group Personal Accident Insurance Company, and the insured submits documents such as completed GPA claim form with company stamp, employer covering letter, FIR, death certificate, post-mortem report, spot panchnama, inquest panchnama, railway police panchnama where applicable, electrocution documents where applicable and FSL report for snake bite or poisonous animal bite if recommended. Disability claims require the GPA claim form, FIR if reported, disability certificate, supporting reports or X-rays, employer accident description letter, injury photographs and medical bills where medical benefits are covered. Temporary total disability claims require the claim form, medical certificate, fitness certificate, FIR if reported, employer leave certificate and original medical bills with prescriptions, discharge card and X-ray report where applicable. Payment documents can include employer no-objection certificate, employee or nominee bank details, KYC documents and legal heir certificate or consent letters where more than one nominee or legal heir exists.

A Group Personal Accident Insurance Policy, also known as 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. The Policy is an important part of the employee benefits package provided by the employers to their employees.
This article explains in detail about how to make a Claim under Group Personal Accident Insurance Policy.

How to file a Death Claim under a Group Personal Accident Insurance Policy?

The employer informs the Insurance Broker of the death of the employee who in turn informs the Group Personal Accident Insurance Company.

The Insured needs to submit the following documents need to be provided to the Group Personal Accident Insurance Company:

Completely filled Group Personal Accident Claim Form with Company Stamp and Covering Letter from the Employer
Attested Copy of the FIR issued by the Police Station
Attested Copy of the Death Certificate
Attested Copy of the Post-Mortem Reports
Attested Copy of Spot Panchnama (In case of spot Accidental Death)
Attested Inquest Panchnama (in case of spot Accidental Death where dead body shifted to hospital without informing to police - In case of panchayat)
Attested Railway Police Panchnama and attested Railway station master report (In case of railway Accident)
Certificate from State electricity board, Electricity Board’s Panchnama (Optional) in case of Electrocution
The Forensic Science Laboratory (FSL) Report (If recommended in Post-Mortem Report) in case of Snake Bite/Poisonous Animal Bite

How to file a Permanent Total Disability and Permanent Partial Disability Claim under a Group Personal Accident Insurance Policy?

The employer informs the insurance broker of the Permanent Total Disability or Permanent Partial Disability of the employee who in turn informs the Group Personal Accident Insurance Company.

The Insured needs to submit the following documents to the Insurance Company:

Completely filled Group Personal Accident Claim Form with Company Stamp and Covering Letter from the Employer
Attested Copy of the FIR (if reported to the Police Authority)
Disability Certificate (Authorised by medical officer/civil surgeon of civil hospital / govt. hospital of the district / units concerned, stating percentage of disablement)
Any Reports/X-Rays which are essential to confirm the type and percentage of disability
Letter from the employer stating the description of the accident
Photographs of the Injury reflecting Disability
Original medical bills with prescriptions/treatment papers. (If medical benefits are covered)

How to file a Temporary Total Disability Claim under a Group Personal Accident Insurance Policy?

The Employer informs the Insurance Company of the Temporary Total Disability of the employee.

The Insured needs to submit the following documents to the GPA Insurance Company:

Completely filled Group Personal Accident Claim Form with Company Stamp and Covering Letter from the Employer
Medical Certificate (Medical Practitioner’s certificate confirming injury and advising rest/ unfit to work for specified number of days)
Fitness certificate from treating Doctor
Attested Copy of the FIR (if reported to the Police Authority)
Leave Certificate from the Employer
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:

1. If Claim Payment needs to be done on the name of the employee - No Objection Certificate from the Employer - Bank Account Details of the employee to process the Group Personal Accident Insurance Policy Claim Amount - KYC Documents (Photo ID Proof, Address Proof)

2. If Claim Payment needs to be done on the name of the nominee - Payee Name of the Nominee - No Objection Certificate from the Employer to process the Insurance Claim Amount in the bank account of the Nominee - Bank Account Details of the Nominee to process the Insurance Claim Amount - KYC Documents (Photo ID Proof, Address Proof) - Legal Heir Certificate/Consent Letter from all Nominees/Legal Heirs in case of more than 1 Nominee/Legal Heir

Get Best Quotes for Group Personal Accident Policy with Qian!

This article explained in Detail the Claims Process of a Group Personal Accident Insurance Policy. Many employers purchase a Group Personal Accident Insurance Policy in combination with a Group Medical Insurance Policy to provide a comprehensive benefits package to their employees. You can read our detailed blogpost on the difference between the GMC and GPA Policy. Qian is an experienced Insurance Broker for Group Personal Accident Insurance Policy in India having served a diverse set of clients across India over the years. If you wish to purchase a Group Personal Accident Insurance Policy, you can email us at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.