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.

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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.


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.


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Written By: PolicyBazaar - Updated: 18 September 2023

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Policybazaar for Business - Group Health Insurance - Customer Reviews
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3.8 April 09, 2023
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.
4.3 April 01, 2023
Necessary Investment
It is a good and necessary investment. Thanks PB.
4.3 March 24, 2023
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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.
3.8 March 16, 2023
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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.
4.3 March 15, 2023
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.
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I got great deals on PolicyBazaar website. Highly recommend.
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Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
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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
4.3 January 22, 2023
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
4.3 January 09, 2023
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.