Group Personal Accident

What is Group Personal Accident Insurance

Group Personal Accident Insurance provides a comprehensive coverage for all expenses associated with accidents up to an agreed limit. In case of the accidental death of the insured, 100% of sum insured is paid to the nominee. This policy provides protection against insured’s burns arising due to an accident. The policy is a 24-hour policy covering the employee during work, after work and in their own leisure time.

Why take up a group personal accident cover?

  • Eliminate the burden of having all your employees completed detailed proposal forms by just giving generalized information about the group you want to have insured.
  • The employees or proposed insured’s do not have to undergo rigorous medical examination before cover commences.
  • Your employees are motivated as a GPA policy is a benefit to them.
  • Additional covers including funeral expenses, artificial appliances can be arranged at reasonable costs.
  • A minimum number of 5 employees will be required to effect cover.

What’s covered

  • Accidental Death: Compensation is paid to the family member of the employee in case there is an injury resulting in the loss of life of the worker.
  • Permanent Total Disability: If the employee meets any accident that resulted in a permanent disability that continued for 12 months, then the compensation up to sum assured is paid to the employee.
  • Permanent Partial Disability: In case there is any injury to the employee due to which he became partially disabled, then 2% to 60% of the sum assured depending on the terms of the policy is paid by the insurer to the employee. But, the disability should be continued for more than 12 months.
  • Weekly Benefits: The employee is entitled to a weekly benefit if he is full disabled, but for a temporary period to compensate the loss of salary due to not working.
  • Mortal Remains Charges: The policy also reimburses all the expenses relating to transportation of mortal remains of the employee to his home or ground up to an agreed limit.
  • Medical Reimbursements: The plan reimburses medical expenses and hospitalization charges related to the injury up to an agreed limit.

What’s not covered

The Policy excludes injury which is the result of or is contributed to by

  • Hazardous Pursuits or occupations a) any adventure, dangerous or hazardous sports or activities such as parachuting, mountaineering or rock climbing (with use of ropes or guides), potholing, winter sports (other than curling or skating), bungee jumping, diving with scuba apparatus, water skiing, hunting, show-jumping, steeple chasing; the professional practice or participation in any sport; riding or driving in any kind of race or endurance test.
  • Intoxicating Liquor or Drugs alcoholism or drugs taken by the Insured other than drugs taken under medical supervision but not for the treatment of drug addiction.
  • Self-inflicted injury or sickness suicide or attempted suicide intentional self-injury or
  • Pregnancy/Childbirth pregnancy childbirth miscarriage or abortion.
  • Pre-existing conditions any physical defect infirmity medical condition chronic or recurring sickness which existed at or before the commencement of this policy unless it has been declared to and accepted by the Company.
  • Venereal Disease venereal or any other sexually transmitted diseases .
  • HIV/AIDS HIV (Human Immune-deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused.
  • War & Terrorism Exclusion
  • Radioactivity and Nuclear risk a) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • Political Violence and Terrorism: Cover against political violence and terrorism
  • Death due to Natural Causes: Cover can be extended to include natural causes with our Group Life Extension

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.
Read More

How to make a claim

We have a number of options to help you make a 
claim quickly and effectively. Contact our dedicated claims team for advice on
an incident/claim.
Read more

Why choose us ?

Goldstar Insurance was IFM’s Best Insurance
Company in Uganda (2015) and has over
 the years consistently maintained a Global A+ Credit Rating
Read more

Other types of insurance cover

All Risks Insurance

The widest cover for properties against loss or damage caused by any accident or misfortune ………….

Read More

Buglary Insurance

Provides compensation when a property suffers loss caused by theft when accompanied by forcible breaking into.

Read More

Electronic Equipment Insurance

Cover your property against loss or damage caused by any accident or misfortune

Read More

2016 Global Business Outlook Award

Best insurance company in Uganda

2015 International Finance Magazine Award

Best insurance company in Uganda

A+ Global Credit Rating Co

Your expert local insurance partner

Easy Claim

Easy claim procedures with no hassle

Save Your Money

Host of discounts – No claim bonus, Discount for Automobile

Instant Online Policy

Host of discounts – No claim bonus, Discount for Automobile.



How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?


  • Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
  • Always keep valuables safely and locked out of site to protect against the risk of theft