Providing peace of mind to your employees

Financially protect your employees and their families with group personal accident insurance policy

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Why Policynation

Simplifying Employee Personal Accident Insurance

Best Price

Transparent pricing & coverages. No unwanted features. Buy what you pay for.

Personal Assistance

Hand holding of employees during claims. Instant Whatsapp support and Chat support.

Admin Access for Employers

Online Portal to view all group policies. Add/Delete Employees. Claim Status view.

Portal Access for Employees

Online Portal to view Claim Status & Policy Details. File a new claim.


Best group personal accident plans at best price


Sum assured 1 - 10 times of salary

No medical test


Tax benefit for employers & employees


Default coverage for all employers


Customized plans


Age from 18 - 70 years


Annually renewable


Premium atleast 50 % lower than retail personal accident policy


Naveen Chava

CEO - IDSign app

Never thought buying a group health insurance and onboarding employees was so simple and easy. Thanks Policy Nation. Best rates, simple & transparent.

Amit Arora

Co-founder - Finnable Credit Pvt Ltd

I am always worried about TnCs when it comes to insurance and PolicyNation is different from others as they give me full transparency and the right advise. Amazed at the way PolicyNation has redefined employees group health insurance for a young start up like ours. Our employees find it clear and easy to use. Thanks PolicyNation team for giving us personalised help in getting our claims processed swiftly.


Founder & Director - Deltaphi Tech Pvt Ltd

Policy Nation has helped us with suggesting optimal  insurance coverage for our team and insure our team for Medical, Covid and accident insurances. Policy Nation supports our employees especially when they need help most.

Ar. Shubhra Mittal

Director - ARINEM Consultancy

Absolute breeze from buying our group health policy to filing of our claims, Policy Nation has really UNCOMPLICATED the whole process. Kudos to the team PolicyNation for defining group health insurance.


Director - CI Global Solutions

Policy Nation has simplified the process of providing the best possible health insurance for our employees. We get timely support for all our claims. We are happy to have chosen Policy Nation for our insurance needs.

Anisha Dalal

Director - Hapag Lloyd Global Services

We have been associated with Team Policy Nation for 5+ years and it has been a delight working with them. They are very delivery focused and customize their offerings to our requirements. Team Policy Nation consistently reinvent themselves to make life simpler and easier for us without compromising on our need of cost efficiency.

Ashwinth J S D

Salem Technologies Pvt Ltd

We have been using policy nation's services for a year now. They are knowledgeable and experienced and have helped us navigate the field of employee insurance and office insurance. Every case & claim is treated with care. We are very happy having them as our insurance partners.

What is a Group Personal Accident Insurance Policy?

Any mishap that leads to death or disablement of an employee can impact the finances of the dependents. Group personal accident insurance is a type of insurance for employees that covers accidental death or disability. Group personal accident insurance offers comprehensive protection to the employee against hefty medical expenses incurred due to disablement in an accident. The policy also covers the death of the insured due to the mishap.

Employees are an organisation’s greatest asset, and it is the fundamental responsibility of an employer to keep its employees protected. Hence, to fulfil this fundamental responsibility, employers secure their employees with accident insurance policy to provide financial security to them and their dependents in case of any unforeseen accidents.

Moreover, offering group personal accident insurance acts as an incentive to the employees and shows them that they are valued in the organisation. Hence, it is important for employers to provide group accident guard policy to their employees.

Benefits of Group Personal Accident Insurance

  • Personal accident Insurance covers a group of people belonging to the same company
  • The policy acts as an incentive to the employees.
  • Accident Insurance policy covers the medical and treatment expenses arising in case of accidental death or treatment of the employee.
  • Group personal accident insurance policy provides compensation to the dependents in case an employee dies in an accident.
  • Our best accidental insurance plan also offers compensation to the dependents in case of permanent total/partial disability of the insured in an accident

What are the Key Features of Group Personal Accident Insurance?

  • Provides accident coverage to multiple people under one policy.
  • Premium is either paid entirely or the large sum is paid by the employer.
  • The group personal accident insurance policy are renewable on an annual basis.
  • Sum Insured based on Salary or Category, as per client requirements The sum insured is paid to the nominee on the death of the covered employee.
  • 24X7 cover across the globe, hence the best accidental insurance plan

Benefits of offering group personal accident insurance to your employees

  • Cost-effective method to cover a group of people at low premium rates under one policy
  • Simple process to delete or add members into the policy.
  • Premium paid by the employer is tax deductible under 37 (1) of the IT Act.
  • Helps in funding gratuity liability with group personal accident insurance policies
  • Group Accident guard policy acts as a strong employee retention strategy

How does our best accidental insurance plan work?

  • A group administrator is issued a master policy upon which he pays an initial premium.
  • This initial payment covers all the members of the group for a tenure one year.
  • An option to choose the sum assured is provided to the members of the group at the start of the policy.
  • All the members are covered for a tenure of one year from the date of commencement of the policy.
  • The group PA insurance plans are annually renewable.
  • The premium is charged based on sum assured opted
  • Additions and deletions of members take place on the monthly basis from the date of joining or relieving of the member.
  • Any additional premium left after adjusting addition or deletion of members is refunded to the master policy at the end policy term.