Group P.A.

This policy covers more than one insured person in a single policy. It is usually taken up by an employer who wishes to insure the lives of his/her employees on one policy for easy administrative purpose.


Group P.A. Insurance covers a group of persons in one policy; e.g. an employer on the lives of his/her employees. Our policy provides payment of benefits for bodily injury caused directly and solely by accidental means. It offers protection 24 hours a day, 365 days a year, and anywhere in the world. Coverage is extended whether the employee is at work, at home, or on holiday.


Benefit A/B

Accidental Death and Permanent Disablement (PD) occuring within 12 months from the date of injury. 


Permanent Disablement (PD) Scale


Description of Disablement   Percentage of the Sum Insured of PD Benefit
Loss of two limbs

Loss of both hands or of all fingers and both thumbs   100% 
Total loss of sight of both eyes   100%
Total paralysis   100%
Injuries resulting in being permanently bedridden   100%
Any other injury causing permanent total disablement from gainful employment of any and every kind   100%
Loss of arm at shoulder   100%
Loss of arm between shoulder and elbow   100%
Loss of arm at elbow   100%
Loss of arm between elbow and wrist   100%
Loss of hand at wrist   100%
Loss of leg At hip  100%
  Between knee and hip 100%
  Below knee 100%
Eye: Loss of Whole eye  100%
  All sight in one eye  100%
  All sight in one eye except perception of light 50% 
  Lens of one eye 50% 
Loss of four fingers and thumb of one hand   50% 
Loss of four fingers   40%
Loss of thumb Both phalanges 25%
  One phalanx  10%
Loss of index finger Three phalanges 10% 
  Two phalanges 8%
  One phalanx 4%
Loss of middle finger Three phalanges 6%
  Two phalanges 4%
  One phalanx 2%
Loss of ring finger Three phalanges 6%
  Two phalanges 4% 
  One phalanx 2% 
Loss of little finger Three phalanges 6%
  Two phalanges 4% 
  One phalanx 2% 
Loss of metacarpals First or second
  Third, fourth or fifth
Loss of toes All 15% 
  Great, both phalanges 5%
  Great, one phalanx 2%
  Other toe (each)  1% 
Loss of hearing Both ears 75%
  One ear 15%
Loss of speech   50%
Loss of whole ear Both 6%
  One 3%

Where the injury is not specified the Company reserves the right to adopt a percentage of disablement which in its opinion is not inconsistent with the provisions of the scale.


Benefit C1/C2

Weekly benefits for Temporary Total Disablement and Temporary Partial Disablement.


Benefit D

Medical Expenses.


Benefit E

Weekly Hospital Income. 

The policy does not cover:


  • Any person below 16 years or above 60 years of age at the date the policy comes into effect
  • War risks
  • Existing physical or mental defects
  • Suicide or self-injury
  • Pregnancy or childbirth
  • Hernia, HIV, bacterial or viral infections, any disease or sickness
  • Participation in a criminal act
  • Professional sports
  • Racing of any kind (other than on foot), caving, parachuting, hang-gliding, hunting, mountaineering requiring ropes or guides, water-ski jumping, underwater activities involving the use of breathing apparatus


This brochure is not a contract of insurance. The descriptions of the available covers are only brief summaries for quick and easy reference. The precise terms and conditions that apply are stated in the policy.

Download the following forms and documents to find out more about this policy: