Group PA & Travel
Insurance
Group Personal Accident (PA) and Travel Insurance provides financial protection to a group of individuals against accidental injuries, disabilities, and other related risks during travel.
This insurance is commonly offered by employers, organisations, or associations to provide coverage for their employees, members, or participants. It offes valuable protection and peace of mind to groups of individuals, offering financial security against accidents, injuries, and travel-related risks while promoting employee or member welfare and well-being.
Do you need Group PA & Travel Insurance?
Group Personal Accident and Travel Insurance is beneficial for any organisation or group that wants to provide financial protection and assistance to its members or employees in the event of accidents, injuries, or emergencies during travel or group activities.
The key components of Group PA & Travel Insurance
Personal Accident (PA) Insurance
Personal Accident Insurance provides coverage for accidental death, bodily injury, or disability resulting from accidents. In the event of an accident covered by the policy, the insured individual or their beneficiaries receive financial compensation or benefits. These benefits may include lump-sum payments for death or permanent disability, as well as ongoing payments for temporary disability or medical expenses resulting from an accident.
Group Coverage
Group Personal Accident Insurance provides coverage for a group of individuals, such as employees of a company, members of an organisation, or participants in a group activity or event. The coverage extends to all members of the group, offering a cost-effective way to provide protection against accidents and injuries.
Travel Insurance
Travel Insurance provides coverage for travel-related risks and expenses, including trip cancellation or interruption, medical emergencies, lost or delayed baggage, travel delays, and emergency evacuation. Group Travel Insurance is often included as part of Group Personal Accident Insurance to provide additional coverage for group travel activities.
Key Features
Group Personal Accident and Travel Insurance typically offer the following key features:
- Accidental Death and Dismemberment (AD&D) Benefits: Lump-sum payments for accidental death or loss of limbs or sight.
- Permanent Total Disability (PTD) Benefits: Lump-sum payments for permanent total disability resulting from accidents.
- Temporary Total Disability (TTD) Benefits: Weekly or monthly payments for temporary total disability resulting from accidents.
- Medical Expenses Coverage: Reimbursement for medical expenses incurred due to accidents or illnesses while traveling.
- Emergency Assistance Services: Access to emergency medical assistance, evacuation, and repatriation services while traveling.
- Trip Cancellation and Interruption Coverage: Reimbursement for non-refundable trip expenses if a trip is canceled or interrupted due to covered reasons.
- Baggage and Personal Effects Coverage: Reimbursement for lost, stolen, or damaged baggage and personal belongings while traveling.
Customisable Coverage
Group Personal Accident and Travel Insurance policies can be tailored to meet the specific needs and preferences of the group, including coverage limits, deductibles, and optional coverage enhancements. Employers, organizations, or group organizers can work with insurance providers to customize coverage based on the group’s size, activities, and travel patterns.
How much Group PA & Travel Insurance cover do you need?
Determining the appropriate amount of Group Personal Accident (PA) and Travel Insurance for your organization depends on various factors, including the size of the group, the nature of activities, travel destinations, and the level of risk exposure. Ultimately, the goal is to ensure that the Group Personal Accident and Travel Insurance coverage adequately protects the members of your group against potential financial losses resulting from accidents, injuries, or emergencies during group activities or travel. And that’s where we come in.
Step 1
Your business
We meet with you to understand your unique business and the risks it faces.
Step 2
The market
We will take the information and research the market to find the most suitable policy.
Step 3
Your cover
Once you have agreed, we put your policy in place and you are covered.
If you have an insurance need then please get in touch
At Minories Partnership we work with our clients to construct the most appropriate insurance programme for their specific needs. And we’d be delighted to do the same for you. Get in touch and we can talk to you about your needs with no obligation.
