The key difference lies in the cause of the claim. Group Medical Insurance (Health) primarily covers hospitalization and treatments due to illnesses (e.g., fever, cancer, heart attack).
Group Personal Accident Insurance is strictly for unforeseen accidents (e.g., a slip and fall, car crash, or injury from machinery). While Medical insurance reimburses the hospital bill, Personal Accident insurance provides a lump-sum payout for permanent disability or death. Most companies implement both to ensure there are no gaps in their employee safety net.
