Group Personal Accident

A driving force of any company’s growth and stability is its staff members, the invaluable workforce that powers daily operations.

In Uganda’s dynamic business landscape, safeguarding the most precious assets of your business, your employees, is very important.

Group Personal Accident (GPA) insurance stands out as an essential tool for protecting your team.

What is Group Personal Accident Insurance?

Are you a business owner looking to protect your employees from unforeseen dangers and accidents?

Group personal accident insurance might just be the solution you’ve been searching for.

In a world where catastrophes and hazardous situations can strike at any moment, it’s crucial to have a safety net in place.

For injuries from accidents on the job or during their own free time, this type of group accidental insurance policy for employees can provide peace of mind for both employers and employees alike.

Imagine a scenario where one of your employees is in an accident, leaving them unable to work and facing costly medical bills.

Without the proper group accidental insurance in place, this situation could be huge blow for your business financially.

Group personal accident insurance steps in to cover the expenses associated with injuries caused by an accident, whether they occur on the job or off.

By paying affordable premiums, a business owner can ensure that their employees are protected in the event of accidental injury or even death caused by an accident.

What Does Group Personal Accident Insurance Cover?

Are you a business owner looking to protect your employees from an unexpected accident?

Group personal accident insurance might just be the answer you’ve been searching for. In today’s unpredictable world, where dangerous situations can arise at any moment, it’s crucial to have the right coverage in place to safeguard your team.

From injuries to death, this type of insurance can provide peace of mind for both you and your employees.

Group Personal Accident differs from Workers Compensation, in that it covers Employees 24 Hours a day, 7 Days a week even during personal time. Whereas, Workers Compensation only provides cover during working hours, and to or from work.

So, let’s look at what the GoldStar Group Personal Accident Insurance Policy Covers:

Death

In the unfortunate event of an employee’s death due to an accident, compensation is paid to their family members, easing their financial burden.

Permanent Disability

Our group personal accident policy covers instances where an employee may suffer from a permanent disability due to an accident. We provide compensation up to the sum assured to the employee, ensuring they’re not left financially vulnerable.

Partial Disability

If an accident leaves an employee partially disabled, our policy ensures that they receive a percentage of the sum assured, depending on the terms of the policy.

Temporary Disability

We understand that total disability for a temporary period can lead to loss of income for Companies as they continue to pay salaries. To ensure that your Company isn’t affected, we provide a Temporary Disability benefit paid back to the Company.

Transport Of Mortal Remains

Respecting the dead is a crucial part of our policy. It includes the reimbursement of all expenses related to the transportation of an employee’s mortal remains that died as a result of an accident to their home or burial ground, up to an agreed limit.

Medical Expenses

To aid in quick recovery, we offer reimbursement of medical expenses and hospitalization charges related to the accidental injury, up to an agreed limit.

GoldStar's Group Personal Accident Insurance optional Add-Ons

The Group Personal Accident Insurance policy for employees from GoldStar is not a one-size-fits-all; it offers you the ability to customize your cover with optional extras to match your specific needs.

Political Violence And Terrorism

Are you concerned about the impact of political violence and terrorism on your business? Worry no more! We provide an add-on that covers damages resulting from political violence and terrorism. It’s designed to give you peace of mind in uncertain times.

Group Life Extension

The inevitable circle of life has also been taken into account with our Group Life Extension. This option extends your cover to include death due to natural causes.

GoldStar Group Personal Accident Insurance takes a comprehensive approach to ensure every possible risk is covered. Our optional extras are available at an extra cost that is worthwhile considering the peace and security they bring to your business.

Don’t leave your business exposed to unnecessary risks.

Choose GoldStar's Group Personal Accident Insurance

At GoldStar, we believe in transparent, straightforward insurance solutions tailored to your needs. Secure your future today with Goldstar’s Group Personal Accident Insurance.

In order to make an informed decision about choosing GoldStar’s Group Personal Accident Insurance, take a look at the Key Considerations to note and the Exclusions that apply to this policy.

Other types of insurance cover

Home Insurance

Home Insurance (Domestic Package) from Goldstar is comprehensive cover to protect your residential premises against various risks. Your home, as well as everything inside of it…

Motor Cycle Insurance

We offer a range of options on Comprehensive Private Motor Cycle insurance so you can customize it to your individual needs.

Car insurance

Car insurance protects your vehicle from unforeseen risks and provides protection against the losses incurred.

FAQ’s

How do I cover items that I take away from the home?

You will need contents insurance, sometimes known as all risk cover, for items for which you require cover out with the home. Please provide details of these items at the time of quotation to ensure that the policy provided meets with your requirements.

What is accidental damage cover?

Accidental Damage cover provides protection against costs incurred through damage that you, your family members or visitors may cause to the structure of your Building or to your Contents. Examples of incidents which would be covered under this extension include putting your foot through the loft floor damaging the ceiling below, leaving a tap running leading to water damage or carpet spillages. Such incidents would not be included under a policy taken out to cover Standard Perils only.

Additional charges will apply and in certain circumstances this cover might not be available.

Are items in my garage or shed covered?

Items kept in the garage or garden sheds will be covered under the Contents section of your policy provided you have included their value in the total sum insured declared. Limits may apply to the amount that can be claimed for theft of items taken from outbuildings and additional charges may be made for certain items such as ride on mowers. Cover for motor vehicles and motorcycles is excluded. Please declare your requirements for cover kept in outbuildings at the time of quotation to ensure that the policy provided meets with your requirements.

I live in rental accommodation. Do I still need insurance?

In most cases you will need to arrange cover for your own contents and personal possessions. Please refer to your tenancy agreement to check what, if any cover is provided by your landlord.

What is an excess?

An excess is the amount a policyholder is required to pay towards the cost of any claim. You may be asked to pay this amount to a company that has carried out repairs on behalf of your insurer, or alternatively the sum will be deducted from any settlement received.

Tips:

Goldstar claim process

No matter what your worry is, we’re here to help explain the process, assess your claim fairly and minimize the disruption to you with a transparent claims process.

Contact Us

Plot 38 Kampala Road, Crane Chambers, Kampala

+256 41 4250110

marketing@goldstarinsurance.com