What is Group Personal Accident?
Group personal accident insurance is taken out collectively by companies for their employees and pays the benefits set in the policy if an employee dies, is permanently disabled or needs treatment as a result of a sudden, external accident.
Unlike health insurance, personal accident insurance pays a lump sum in case of death or disability resulting from an accident. Its low cost allows it to be extended to all employees as a benefit that demonstrates the employer's social responsibility.
The policy can be valid 24/7 worldwide. Some tenders and contracts also require personal accident insurance for field staff.
What is covered?
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Accidental death
Benefit paid to beneficiaries in case of death resulting from an accident.
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Permanent disability
Benefit based on the degree of disability in case of permanent disability resulting from an accident.
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Medical expenses
Treatment costs following an accident.
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24/7 worldwide
Valid at work and in private life, in Türkiye and abroad.
Optional extensions
- Daily allowance
- Accidents caused by earthquake, flood and terrorism
- Motorcycle use (on special terms)
- Overseas assignments
Who is it for?
- Businesses with field, site and production staff
- Travelling sales and service teams
- Firms required by tenders and contracts to have personal accident cover
- Companies wishing to offer a basic benefit to all employees
Information needed for a quote
Sharing the following information lets us obtain fast and accurate quotes from several insurers.
- Employee list and job descriptions
- Requested benefit amounts
- Overseas assignment details
- Number of employees in hazardous work
Frequently asked questions
What is the difference between personal accident and health insurance?
Health insurance covers treatment costs arising from illness and accidents. Personal accident insurance pays the amounts set in the policy only for accident-related death, disability and treatment.
Does personal accident insurance replace employer's liability?
No. Employer's liability covers legal claims made against the employer after a workplace accident. Personal accident pays the employee or beneficiaries directly, regardless of fault. The two covers complement each other.
How is the premium determined?
The employees' occupational group and risk level, benefit amounts and group size are the main rating factors.
Scope of cover and limits are determined by the general and special conditions of the issuing insurer.