Tiếng Việt
Group Personal Accident (GPA) Insurance
Group Personal Accident Insurance provides financial protection for employees in the event of accidental death or disability. Coverage can be structured based on a fixed sum insured or linked directly to each employee’s salary.
When a company arranges coverage on a salary-multiple basis (for example, 30 months of salary), the policy ensures that in case of an employee’s accidental death, the insurer will compensate the beneficiary with the equivalent of 30 months’ wages.
This approach helps the company:
Transfer liability for workplace accidents (where the law requires compensation to employees or their families).
Protect employees and families, providing meaningful financial support.
Enhance employer reputation, showing care and responsibility toward staff welfare.
Target clients
- Employers of any size across all industries;
- Cover can include employees only or employees plus spouses/children.
Core protections
- Accidental death — lump-sum payment to beneficiaries.
- Permanent disability — payout by the official injury scale (partial or total).
- Accidental medical expenses — reimbursement for treatment and hospitalization up to the chosen limit.
- Temporary total disablement (salary compensation/ allowance due to accidental treatment) — income replacement during doctor-certified recovery.
- Protection applies 24/7, including commuting and business travel.
Add-on protections
- territorial extension from Vietnam to worldwide
Results you can expect
- Fast financial support for staff and families after serious accidents.
- Stronger employee loyalty and a practical safety net alongside health insurance.
- Flexible, budget-friendly benefit levels by grade or location.
- Cleaner claims experience—benefits pay regardless of fault, complementing other policies.
Vietnam Legal Requirements
Is it mandatory in Vietnam? GPA (Group Personal Accident Insurance) is voluntary. Companies choose it as an extra layer of protection to:
Transfer their liability to the insurer.
Provide higher and faster benefits for employees/families.
Strengthen employee welfare packages beyond legal requirements
