Employee benefits
Group Personal Accident Insurance
Protects your employees against accidental death, disability and medical expenses.
Group personal accident insurance pays benefits for accidental death, permanent disability and medical expenses resulting from accidents, at work or outside work. It provides strong protection at a low cost and is particularly important for companies with field, production or site staff.
Who is it for?
- Companies with field, production or construction-site staff
- Employers widening their benefits package
- Sports clubs, schools and associations
What does it cover?
- Accidental death
- Permanent disability due to accident
- Medical expenses due to accident
- Daily indemnity (optional)
Scope and exclusions vary by insurer and programme. With every quote we summarise the policy wording in plain language.
What drives the price?
- Job descriptions and risk class of employees
- Sum insured per person
- Number of employees
Frequently asked questions
Isn’t an occupational accident covered by social security (SGK)?
SGK provides certain statutory benefits. Personal accident cover pays a direct benefit on top of these and helps reduce the employer’s liability exposure.