Katyana
Hr Professional
Cb.nixs
Executive Hr
A.J.KARANLAL
Manager (hr & Admn.)
Shritik Nair
Manager Hr
Jan1.tina
Hr Executive
+2 Others

Thread Started by #jan1.tina

Dear all, Can anyone of you please explain me what is GPA & GMC policies in mediclaim?
4th February 2008 From India, Mumbai
G.P.A. is stands for Group Personal Accident.
G.M.C. is stands for Group Medical Coverage.
GPA Policy will covers employees who are on duty. (i.e. started from residence to reached to residence, and the meantime is for the purpose of on duty). If this period any accident happens, which results death or injuries, the policy benefits can be availed. If any accident happens in non duty period for example after reaching the home or on leave period the policy benefits can not be availed.
GMC is nothing but a Mediclaim policy. The individual can avail the benefit of this poiicy at any time in case of any accident. But no death benefit is available in this policy.
If any doubt can reply.
Regards.
KARAN
4th February 2008 From India, Hyderabad
The explanation of GPA is incorrect. All accidents are covered irrespective of the person being at work or not. However, accidents due to adventure sports (paragliding, mountaineering etc), or if a person is involved in an illegal activity e.g. driving without a license, under influence of alcohol is not covered.
The GPA pays for disability or death due to accident as a percentage of the Cover amount. There is also a weekly compensation for loss of pay (away from work) due to accident. This is a lumpsum pay-out.
The GMC reimburses expenses towrds hospitalization and covered medical expenses related to hospitalization
28th March 2008
Hi Tina,

Pl find below the details about GPA--GROUP PERSONAL ACCIDENT AND GMC--GROUP MEDICLAIM POLICY.

GPA

The Group Personal Accident Insurance Scheme is a welfare measure formulated to insure the employees against the consequences of personal accidents and provide appropriate relief to the affected employee or the nominees through an Insurance Cover.

Policy

The Scheme is framed entirely as a welfare measure and does not confer any right or benefit on the employees, nor imposes any obligation or liability, whatsoever on the Company and shall not be deemed to be any contract or condition of service between the Company and its employees.

Benefits

The Insurance Policy will provide coverage by way of payment of compensation to the extent specified in this Scheme to the covered employees round the clock, whether he is on Company's duty or not, on any location in India or abroad; against a bodily injury resulting solely and directly from accidents caused by violent, external and visible means which shall solely, and independent of any cause, result in death or disablement (as per the provision/Schedule in the Policy).

GROUP MEDI CLAIM POLICY

Any Group/Association/Institution/Corporate body of more than 50 persons can take group Mediclaim policy. The institution should have a central administrative point. This Policy contains names of persons covered and provides cover to all eligible members.

What is covered?

This Policy covers following critical ailments:

1.This Policy covers hospitalization expenses incurred within the country, due to illness/disease &/or due to accident during the Policy period.

2.Room, Boarding expenses as provided by the Hospitalization/Nursing Home, and Nursing Expenses.

Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees Anesthesia, Blood, Oxygen, Operation Theater Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and x-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and Cost of Organs and similar expenses.

I HOPE THAT THE BASIC DIFFERENCE BETWEEN THESE TWO IS CLEAR NOW.

KATYANA
29th March 2008 From India, Gurgaon
Hi Tina,

Pl find below the details about GPA--GROUP PERSONAL ACCIDENT AND GMC--GROUP MEDICLAIM POLICY.

GPA

The Group Personal Accident Insurance Scheme is a welfare measure formulated to insure the employees against the consequences of personal accidents and provide appropriate relief to the affected employee or the nominees through an Insurance Cover.

Policy

The Scheme is framed entirely as a welfare measure and does not confer any right or benefit on the employees, nor imposes any obligation or liability, whatsoever on the Company and shall not be deemed to be any contract or condition of service between the Company and its employees.

Benefits

The Insurance Policy will provide coverage by way of payment of compensation to the extent specified in this Scheme to the covered employees round the clock, whether he is on Company's duty or not, on any location in India or abroad; against a bodily injury resulting solely and directly from accidents caused by violent, external and visible means which shall solely, and independent of any cause, result in death or disablement (as per the provision/Schedule in the Policy).

GROUP MEDI CLAIM POLICY

Any Group/Association/Institution/Corporate body of more than 50 persons can take group Mediclaim policy. The institution should have a central administrative point. This Policy contains names of persons covered and provides cover to all eligible members.

What is covered?

This Policy covers following critical ailments:

1.This Policy covers hospitalization expenses incurred within the country, due to illness/disease &/or due to accident during the Policy period.

2.Room, Boarding expenses as provided by the Hospitalization/Nursing Home, and Nursing Expenses. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees Anesthesia, Blood, Oxygen, Operation Theater Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and x-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and Cost of Organs and similar expenses.

I HOPE THAT THE BASIC DIFFERENCE BETWEEN THESE TWO IS CLEAR NOW.

KATYANA
29th March 2008 From India, Gurgaon
Hi Can i get the premium calculation of the same. I have to cross check with my records Warm Regards Thiru
27th September 2010 From India, Madras
GPA is applicable to all the employees whether covered in mediclaim or ESIC.
11th January 2014 From India, Udaipur
Need a draft to send to all employees regarding GPA and GMP policy introduce in the company
23rd October 2017 From India, Thane
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