Difference between GMC and GPA

GMC refers to Group Medical Coverage. It is a group health insurance policy that indemnifies a group of people in case of medical emergency or hospitalization. GPA refers to Group Personal Accident. It is also a health insurance product that indemnifies the policyholder in case of disability caused by an accident. Both policies are designed for the group of people. However, it is essential to understand the meaning and difference between both products to choose the most suitable insurance.

Read more
Tailored health plans, dedicated expertise - the perfect match for your organization's well-being
Customized plans

Affordable prices

24X7 Support

Dedicated claims manager

Total Care

All round wellness benefits

Fast-track your search with instant quotes from prominent insurers
₹1 Lakh cover starting at
₹110/month/employee+
No medical test required
Zero waiting period
Paperless claims
secure-icon We don't spam
Get Updates on WhatsApp

Whom do you want to insure?

  • Employee, spouse & kids

  • Employee only

Group Medical Coverage (GMC)

The GMC or group medical coverage is also known as group health insurance. It covers the expenses with respect to the hospitalization of an employee or group of employees. In addition, it also covers accidental hospitalisation. GMC is a customizable policy. It means that it allows the employer or HR to choose the coverage they wish to add to the policy which shall align with the requirement of employees. The GMC is generally provided by the employer to the employees. The employees may extend the coverage of the policy and add their family members to the existing policy.

Coverage of Group Medical Policy

Let us discuss the coverage of a group medical policy.

  • The GMC (Group Medical Coverage) encompasses expenses related to hospitalization that occur before, during, and after the hospital stay for employees or policyholders.
  • The pre-existing disease of the policyholder is not usually covered by individual health insurance. The policyholders are expected to wait until the waiting period is over as specified in the terms and conditions of the policy documents. However, in group health insurance, the policyholders are not required to wait. This is because there are no terms mentioned with regard to the waiting period in the GMC. It has zero waiting period. Therefore, it covers the pre-existing disease.
  • Injury or hospitalization caused by an accident is also covered under the group health insurance.
  • The GMC includes maternity insurance and a newborn child.

Group Personal Accident Insurance

GPA or group personal accident insurance covers the expense incurred by an individual due to an inevitable or unforeseeable accident. The GPA insurance protects the workers or employees against financial strains after sustaining injuries. However, a worker or employee may only claim under this policy in case of accidents.

Coverage of GPA

Let us discuss the coverage provided to the employees under group personal accident insurance.

  • In the unfortunate event of the insured's demise following an accident, the insurer will provide the full principal sum assured.
  • In cases where the injury results in a partial or total permanent disability that persists for a year, the insurer will offer compensation up to the sum assured.
  • If the insured experiences complete disability for a temporary period due to an accident, they are eligible to receive weekly compensation.
  • The policy includes reimbursement for ambulance charges.

Difference Between GMC and GPA

Parameters GMC GPA
Coverage It bears hospitalisation and treatment costs in case of any health-related issues as mentioned in the deed. It offers coverage only in case of an accident. This includes the death and disability of a worker.
Claims The policyholder may enjoy the cashless treatment or file a claim against the expenses incurred during hospitalisation. The insurer shall pay the nominee in case of death.
People covered Employees of a company are covered. However, their family members can also be covered. Only employees are covered.

Conclusion

GMC offers more comprehensive coverage in comparison to GPA. GPA only provides coverage in an accidental injury. GPA can be an add-on to the GMC. This way, the employer may include the coverage of disability, death, etc. sustained by the employee owing to an accident. It is at the discretion of the employer to choose the right policy for the employees. Therefore, the employer must understand the coverage of both policies and determine if the coverage of GPA can be availed as an add-on under the GMC and thus subscribe to the policy wisely.

calcu-img

Group Health Insurance Premium Calculator

Who do you want to insure?

  • Employees
  • Employees & their family
icon

Minimum lives should be 7

  • 1 Lakh
  • 2 Lakh
  • 3 Lakh
  • 4 Lakh
  • 5 Lakh

Include maternity coverage

Premium starts from

(Excluding GST)

Let's find the right plan for you

Speak to our experts to get the right plan for your company's needs

icon Expert advice made easy icon
  • Date
  • Time

When do you want a call back?

  • Today
  • Tomorrow
  • 22 Jun
  • 23 Jun
  • 24 Jun
  • 25 Jun
  • 26 Jun

What will be the suitable time?

  • 11:00am - 12:00pm
  • 12:00pm - 01:00pm
  • 01:00pm - 02:00pm
  • 02:00pm - 03:00pm
  • 03:00pm - 04:00pm
  • 04:00pm - 05:00pm
  • 05:00pm - 06:00pm

Tell us the number you want us to call on

Your privacy matters. We won't spam you

Call scheduled successfully!

Our experts will reach out to you on 4th June between 2:00 PM - 3:00 PM

Written By: PolicyBazaar - Updated: 18 September 2023

Now help your friend get Business Insurance

Your referral is greatly appreciated!

Our team will reach out to your friend soon to help with their business insurance requirements.

Wait! Didn't find what you were looking for?

Our certified business insurance experts are just a call away.

icon Expert advice made easy icon
  • Date
  • Time

When do you want a call back?

  • Today
  • Tomorrow
  • 22 Jun
  • 23 Jun
  • 24 Jun
  • 25 Jun
  • 26 Jun

What will be the suitable time?

  • 11:00am - 12:00pm
  • 12:00pm - 01:00pm
  • 01:00pm - 02:00pm
  • 02:00pm - 03:00pm
  • 03:00pm - 04:00pm
  • 04:00pm - 05:00pm
  • 05:00pm - 06:00pm

Call scheduled successfully!

Our experts will reach out to you on 4th June between 2:00 PM - 3:00 PM

Call scheduled successfully

Thank you
Our experts will provide you assistance with your
insurance coverage. Be assured, all your questions
will be answered

Customizable plans from top insurers

starting @ ₹110/employee*

View Quotes
Group Health Insurance Articles
GIPSA stands for General Insurance Public Sector Association.It is a group of four General insurance companies...Read more
28 Apr 2022 by Policybazaar 16260 Views
A group medical insurance scheme offers many benefits in addition to providing financial support during medical...Read more
08 Feb 2023 by Policybazaar 8258 Views
When it comes to insurance, it's important to have a clear understanding of the available options. GPA (Group...Read more
01 Jun 2023 by Policybazaar 7884 Views
Extended work hours or working on holidays and weekends have become common in workplaces. Compensatory leave for...Read more
18 Apr 2024 by Policybazaar 619 Views
Companies worldwide strive to attract top talent by offering competitive salaries and outstanding corporate...Read more
15 Sep 2023 by Policybazaar 2182 Views
Investing in Group Health Insurance (GHI) is crucial for...Read more
07 Jun 2024 by Policybazaar 74 Views
Co-pay in group health insurance was Insurers introduced the...Read more
06 Jun 2024 by Policybazaar 69 Views
In today's workplace, companies must foster a culture of support...Read more
31 May 2024 by Policybazaar 110 Views
Extended work hours or working on holidays and weekends have...Read more
18 Apr 2024 by Policybazaar 619 Views
In today's competitive job market, where top talent holds the...Read more
29 Mar 2024 by Policybazaar 306 Views
Policybazaar for Business - Group Health Insurance - Customer Reviews
View all
4.4/5
Based on 189 reviews
4.4
out of 5
Based on 189 reviews
38 users
136 users
15 users
0 users
0 users
3.8 April 09, 2023
Mansi
Excellent Support
It was easy to buy insurance from PolicyBazaar website and customer support was also amazing to clear all the doubts.Thankyou. Highly worth it.
Dehradun
4.3 April 01, 2023
Mahesh
Necessary Investment
It is a good and necessary investment. Thanks PB.
Lucknow
4.3 March 24, 2023
Surya
Provides Satisfactory Results
I purchased Group health insurance at policybazaar recently and i am so much satisfied with the plan. The application process was smooth and efficient, making the typically tedious task of getting insurance surprisingly hassle-free.Thanks PB.
Bareilly
3.8 March 16, 2023
Naveen
Helpful In Making Decisions
When it came to selcting the right Group Health Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
Delhi
4.3 March 15, 2023
Rajesh
Increases Clients Expectations
I recently had the pleasure of securing a Group Health Insurance policy throug PolicyBazaar and I must say the Entire process exceeded my expectations! From start to finish, their service werw great. Thankyou.
Delhi
3.8 March 02, 2023
Ravi
Great Experience
I got great deals on PolicyBazaar website. Highly recommend.
Pune
4.3 February 17, 2023
Diljeet
Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
Coimbatore
4.3 February 04, 2023
Satya
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
Chennai
4.3 January 22, 2023
Abhishek
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
Delhi
4.3 January 09, 2023
Abhash
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.
Pune