GPA insurance (group personal accident)

Income’s FlexCare description includes accidental death, permanent disablement and accidental medical expenses in its personal-accident plan. This product example does not establish the benefits of every GPA policy.

Compare the accident definition, benefit schedule, occupation restrictions, geographic scope and exclusions. Ask whether a proposed recreational or work activity is within scope before telling employees it is insured.

GPA should be assessed separately from the employer’s WICA obligations. Check MOM’s rules and the relevant work injury compensation insurance rather than treating the two covers as interchangeable.