Group Personal Accident - 24/7 Cover for Your Entire Workforce
Accidents happen anytime, anywhere. Group Personal Accident insurance provides affordable, round-the-clock protection for all your employees - whether at work, at home, or travelling.
Six Core Benefits for Your Team
From accidental death to temporary disability and medical expenses - every category of accidental harm is covered, worldwide, around the clock.
Accidental Death
Full sum insured paid to the named beneficiary in the event of death caused directly by an accident - lump-sum, promptly settled.
Permanent Total Disability
Lump-sum payment equal to the full sum insured if an accident renders the employee permanently and totally unable to work in any occupation.
Permanent Partial Disability
Pro-rated benefit for loss of a limb, sight, or hearing - calculated against a standard disability schedule agreed at policy inception.
Temporary Total Disability
Weekly income replacement of up to 104 weeks (2 years) while the employee is medically unable to perform their regular duties.
Medical Expense Reimbursement
Covers emergency treatment, hospitalisation, surgery, and follow-up care incurred as a direct result of an accidental injury.
Worldwide 24/7 Coverage
Protection applies anywhere in the world, at any time - whether the employee is at work, at home, travelling, or on personal time.
Every Employer Owes Their Team
Protection Beyond the Workplace
All employers benefit from GPA, but it is especially critical for businesses with mobile workforces, field staff, drivers, and workers in high-risk environments. WIBA only covers workplace incidents - GPA fills every gap.
Did you know? GPA can be structured as an employee benefit and deducted as a business expense - delivering real value to your team at low cost to the business.
The Mosfin Advantage for Group Accident Cover
We make group accident insurance simple to set up, easy to manage, and genuinely valuable for your employees.
Competitive Group Rates
Group premiums are calculated on your entire workforce, making per-employee costs significantly lower than individual policies.
No Individual Medicals Required
The entire group is enrolled at inception with no medical underwriting - all employees are covered regardless of pre-existing conditions.
Covers Work & Non-Work Accidents
Unlike WIBA which is limited to the workplace, GPA covers employees around the clock - at home, on weekends, and while travelling.
Stackable with WIBA Cover
GPA can be placed alongside your WIBA policy for layered protection - maximising the benefit to employees at minimal additional cost.
Cover Your Team in Three Steps
No lengthy underwriting. No individual medicals. Getting your workforce covered is fast and straightforward.
Submit Employee List with Role & Salary Details
Provide a full census of employees including their job titles and annual salaries. This forms the basis for calculating the sum insured and premium.
Select Your Cover Level
Choose a sum insured multiple - typically 1× to 5× the employee's annual salary - and select any optional extensions such as medical expense reimbursement.
Policy Issued - All Employees Covered from Signing Date
Once the policy schedule is signed and the first premium settled, all listed employees are covered immediately - no waiting period.
Basic Cover
Meets minimum employer obligations
Standard Cover
Recommended for most employers
Premium Cover
Full protection for key personnel
Cover multiples are applied against each employee's annual gross salary to determine their sum insured.
Your Team Works Hard -
Make Sure They're Protected
Get a free group accident insurance assessment and a competitive quote for your entire workforce. All employees covered from Day 1, no medicals required.