Group Personal Accident Insurance

Group Personal Accident (GPA) Insurance protects your employees when the unexpected happens. For HR and business leaders in Singapore, an accident without coverage can mean heavy financial strain, employee dissatisfaction, and loss of trust.

By providing GPA insurance, you show employees that their well-being truly matters. This builds loyalty, strengthens morale, and protects the company from unexpected costs. At David Ho, we create tailored plans that give leaders peace of mind while ensuring employees and their families feel supported when they need it most.

What is Group Personal Accident Insurance Policy?

Group Personal Accident Insurance provides financial protection for employees in the event of accidental injury, disability, or death. For decision-makers, it is not only a benefit but also an important tool to manage business risk, especially for teams with employees who travel often, work on-site, or perform physically demanding roles.

When accidents happen, the policy helps cover medical expenses, replace lost income, and support dependents financially. This eases the burden on families while reducing the likelihood of unexpected costs falling back on the company. It also ensures employees can focus on recovery without added financial stress.

Typical coverage includes:

Lump sum payout in the event of accidental death
Compensation for permanent or partial disability
Reimbursement of accident-related medical and surgical costs
Daily hospital cash allowance during extended treatment
Emergency medical evacuation for critical situations

Providing this coverage shows that a company values the safety and security of its workforce while safeguarding overall business continuity.

Comprehensive Personal Accident Coverage for Employees

Our group personal accident insurance provides broad protection that goes beyond basic medical bills. It is designed to support employees and their families through every stage of accident recovery, while giving employers the confidence that risks are managed responsibly.

Employee Insurance Cover for Accidental Death and Disabilities

Coverage includes financial support for accidental death as well as permanent and temporary disabilities. This ensures that employees and their families are not left vulnerable in the event of severe accidents, helping maintain stability during difficult times.

Medical Expenses

Accident-related medical costs such as hospital stays, surgical procedures, and follow-up treatments are covered. By reducing out-of-pocket expenses, employees can focus fully on recovery, while HR and Finance teams avoid the added pressure of unexpected claims.

Group Accident Insurance Add-On Coverage

Beyond core protection, employees also receive daily hospital cash allowances during extended admissions and access to emergency medical evacuation in critical cases. These additional benefits provide reassurance that employees can get the right care quickly and with less financial stress.

Why Choose David Ho as Your Group Personal Accident Insurance Broker

Safeguarding your employees shouldn’t be complicated. Our group personal accident insurance provides complete protection for HR professionals managing workforce safety. With the right coverage and professional guidance from David Ho, you can ensure your employees stay secure while your business stays resilient.

Tailored Group Personal Accident Insurance Policy for Employees

Every company has unique workforce risks, which is why our group personal accident insurance policies are designed to fit your specific requirements. Whether you run an SME or a large enterprise, our coverage options can be scaled and customized to safeguard employees while supporting your organizational priorities.

With our policies, your company can access:

Financial protection for accidental death and permanent or partial disabilities
Coverage of medical expenses including hospitalization, surgery, and recovery treatments
Additional benefits such as daily hospital cash allowances and emergency medical evacuation

This flexibility ensures that your group personal accident coverage adapts as your business grows, giving employees and their families reliable protection and giving employers confidence that risks are managed responsibly.

Expert Support and Management for Group Accident Insurance Scheme

We take time to understand your workforce profile and business objectives before recommending a plan. From consultation through to onboarding and management, our team provides:

Personalised advice aligned with your company’s needs and employee profiles
Smooth implementation with employee enrolment handled on your behalf
Ongoing support for claims, renewals, and adjustments to keep coverage relevant

Our role is to simplify the process and maintain the effectiveness of your policy over the long term, so your HR and Finance teams can focus on operations without added stress.

Partnering with Top Group Personal Accident Insurance Providers in Singapore

We collaborate with leading insurers to provide access to reliable coverage at competitive rates. Through these partnerships, your employees benefit from:

Nationwide access to hospitals, clinics, and medical specialists
Comprehensive accident-related coverage that goes beyond the basics
Affordable premiums without compromising protection

By combining trusted insurer relationships with dedicated client support, we deliver group personal accident insurance Singapore companies rely on—balancing employee security with business cost efficiency.

A step-by-step overview

Our Proven Process for Group Accident Insurance Design

At David Ho Insurance, we specialise in creating customised employee benefits programs that meet the unique needs of your organisation. Our proven process ensures a seamless transition from consultation to implementation.

Consultation

We start with an in-depth conversation to understand your unique needs and goals.

Do you want to… ?

Change a broker or provider?
Lower costs of insurance?
Improve service level?

Source & Compare

Find value for money insurance providers. Uncover more out of your existing policies for free
Benchmarks, policy review, comparison & renewal analysis – all done for you!
One stop shop for all of your insurance needs

Implementation

We will assist to implement the decision made for your insurance policies:

For HR: Employee communication & walkthrough sessions with providers
For Finance: Stakeholder insurance policy updates & risk management

FAQs About Group Personal Accident Insurance in Singapore

Your questions answered about our insurance services and how we can assist you.

What does group personal accident insurance cover in Singapore?

Group personal accident insurance provides financial protection for employees in case of accidents. Typical coverage includes:

Accidental death and permanent or partial disabilities
Medical expenses such as hospitalization, surgery, and follow-up care
Temporary total disability benefits to replace income during recovery
Daily hospital cash allowances
Emergency medical evacuation

These benefits ensure employees and their families are not left financially vulnerable after unexpected accidents, giving both staff and employers peace of mind.

How can my business benefit from group accident insurance?

Offering group accident insurance shows your company values employee well-being. Beyond financial protection, it strengthens your employee benefits package, supports retention, and helps attract top talent. A comprehensive insurance plan also reduces stress for employees, which can translate into higher morale and productivity across your workforce.

Can the group insurance plans be customized for my company?

Yes. Our group personal accident insurance plans are designed to be flexible. We work with you to tailor coverage levels, benefits, and additional options so the plan fits your company size, industry, and employee demographics. This ensures the policy stays relevant and continues to provide meaningful protection as your business evolves.

What is the difference between group personal accident insurance and group health insurance?

Group health insurance covers medical treatments such as outpatient visits, hospitalization, and preventive care. Group personal accident insurance, on the other hand, provides financial support in the event of accidents that cause injury, disability, or death. Many businesses in Singapore combine both policies to create a more comprehensive employee benefits package.

Who is eligible to be covered under a group personal accident insurance policy?

Coverage typically includes all full-time employees of the company, and in some cases, part-time or contract staff may also be eligible. Policies can be tailored to include different categories of employees, ensuring that your entire workforce is adequately protected.

What is the minimum number of employees required to buy group personal accident insurance in Singapore?

Most insurers require at least 3 to 5 employees to set up a group scheme, but we can advise on the best options based on your company size.

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