Group Personal Accident Insurance

Group Personal Accident (GPA) Insurance protects your employees when the unexpected happens. For HR and business leaders in Singapore, an accident without proper coverage can lead to financial strain, employee dissatisfaction, and loss of trust.

Providing GPA insurance shows your employees that their well-being truly matters. It builds loyalty, morale, and a sense of security while protecting your company from unforeseen costs.At Trinet Asia, we design tailored Group Personal Accident Insurance plans that give leaders peace of mind and ensure employees — and their families — feel supported when they need it most.

What Is Group Personal Accident Insurance?

Group Personal Accident (GPA) Insurance provides essential financial protection for employees in the event of an accidental injury, disability, or death. For business leaders, it’s more than just an employee benefit — it’s a key risk management tool, especially for organisations with employees who travel frequently, work on-site, or perform physically demanding roles.

When accidents occur, a GPA policy helps cover medical expenses, replace lost income, and support dependents financially. This not only eases the burden on families but also protects the company from unexpected financial liabilities. It ensures employees can focus on recovery without additional stress — and that your business operations continue smoothly.

Typical Coverage Includes:

Lump-sum payout in the event of accidental death
Compensation for permanent or partial disability
Reimbursement of accident-related medical and surgical costs
Daily hospital cash allowance during extended recovery
Emergency medical evacuation for critical situations

Providing this coverage demonstrates that your company values the safety, security, and well-being of its employees — while also safeguarding business continuity and organisational stability.

Comprehensive Personal Accident Coverage for Employees

At Trinet Asia, our Group Personal Accident Insurance provides broad protection that goes beyond basic medical expenses. It’s designed to support employees and their families through every stage of accident recovery — while giving employers confidence that workplace risks are managed responsibly and effectively.

Employee Coverage for Accidental Death and Disabilities

Our plans offer financial protection for accidental death as well as permanent or temporary disabilities. This ensures employees and their families are never left vulnerable in the event of serious accidents — helping maintain stability and peace of mind during difficult times.

Medical Expense Reimbursement

Coverage extends to accident-related medical costs, including hospitalisation, surgery, and follow-up treatments. By reducing out-of-pocket expenses, employees can focus on recovery, while HR and Finance teams avoid unexpected administrative and financial burdens.

Additional Group Accident Insurance Benefits

Beyond core protection, employees enjoy added reassurance through:

Daily hospital cash allowances during extended hospital stays
Emergency medical evacuation in critical situations

These benefits provide employees with timely access to care and reduce financial stress when it matters most.

Why Choose Trinet Asia as Your Group Personal Accident Insurance Broker

Safeguarding your employees shouldn’t be complicated. At Trinet Asia, our Group Personal Accident (GPA) Insurance provides complete, dependable protection for HR and Finance professionals managing workforce safety. With the right coverage and professional guidance from our team, you can ensure your employees stay secure — and your business remains resilient.

Tailored Group Personal Accident Insurance Policies for Employees

Every company faces unique workforce risks. That’s why Trinet Asia’s group personal accident insurance is designed to fit your organisation’s specific needs. Whether you manage an SME, startup, or large enterprise, our scalable coverage options safeguard your employees while supporting your operational and financial goals.

With our tailored policies, your company can access:

Financial protection for accidental death and permanent or partial disabilities
Medical expense coverage, including hospitalisation, surgery, and recovery treatments
Additional benefits such as daily hospital cash allowances and emergency medical evacuation

This flexibility ensures your group personal accident plan grows with your business — giving employees and their families reliable protection and giving employers confidence that risks are managed responsibly.

Expert Support and Management for Your Group Accident Insurance Scheme

At Trinet Asia, we take the time to understand your workforce profile and business objectives before recommending a plan. From consultation to onboarding and ongoing management, our team provides:

Personalised advice aligned with your company’s goals and employee needs
Smooth implementation and employee enrolment handled on your behalf
Continuous support for claims, renewals, and policy adjustments

Our role is to simplify insurance administration and maintain long-term policy effectiveness, allowing your HR and Finance teams to focus on strategic operations without added stress.

Partnering with Leading Group Personal Accident Insurance Providers in Singapore

We collaborate with top insurers in Singapore to offer reliable protection at competitive rates. Through our trusted partnerships, your employees benefit from:

Nationwide access to hospitals, clinics, and medical specialists
Comprehensive accident-related coverage that goes beyond the basics
Affordable premiums without compromising on quality or benefits

By combining strong insurer relationships with dedicated client support, Trinet Asia delivers group personal accident insurance solutions that balance employee security with business cost efficiency.

Step-by-Step Overview Guiding You to Success

A Proven Process for Insurance Review

Short on time and need results fast? Trinet Asia’s proven process delivers a seamless transition from consultation to implementation — promptly and painlessly.

Consultation

We begin with an in-depth conversation to understand your goals, risks, and constraints.Do you want to…

Change your broker or provider?
Lower insurance costs?
Improve service levels and claims support?

Source & Compare

We do the heavy lifting so you don’t have to.

Value-for-money providers shortlisted for your needs
Benchmarking & policy review to uncover gaps and savings (often within existing policies, at no extra cost)
Side-by-side comparisons & renewal analysis — clear, data-driven recommendations

Implementation

We help you execute — end to end.

For HR: Employee communications, benefit walkthroughs with providers, enrolment support
For Finance: Stakeholder updates, policy documentation, and practical risk-management guidance

FAQs About Group Personal Accident Insurance in Singapore

Your questions — answered. Learn how Trinet Asia helps businesses protect their teams with flexible, comprehensive accident insurance coverage.

What does Group Personal Accident Insurance cover in Singapore?

Group Personal Accident (GPA) Insurance provides financial protection for employees in the event of accidents.
Typical coverage includes:

Accidental death and permanent or partial disabilities
Medical expenses including hospitalisation, surgery, and follow-up care
Temporary total disability benefits to replace income during recovery
Daily hospital cash allowances
Emergency medical evacuation

These benefits ensure employees and their families are not left financially vulnerable after unexpected accidents — giving both staff and employers peace of mind and financial security.

How can my business benefit from Group Accident Insurance?

Providing group accident insurance demonstrates that your company values employee well-being and safety.
Beyond financial protection, it:

Strengthens your employee benefits package
Improves retention and recruitment of top talent
Reduces stress and uncertainty for employees
Enhances workplace morale and productivity

It’s a simple yet powerful way to build trust and commitment across your workforce.

Can the group insurance plans be customised for my company?

Yes. Trinet Asia’s GPA insurance plans are fully customisable. We work with you to tailor coverage levels, benefits, and additional options according to your company size, industry, and employee demographics. This ensures your policy remains relevant, flexible, and effective as your business grows.

What is the difference between Group Personal Accident Insurance and Group Health Insurance?

Group Health Insurance covers everyday medical needs — including outpatient visits, hospitalisation, and preventive care.
Group Personal Accident Insurance provides financial compensation in the event of accidents that cause injury, disability, or death.

Many companies in Singapore combine both policies to offer employees a well-rounded, comprehensive protection plan.

Who is eligible to be covered under a Group Personal Accident Insurance policy?

Coverage typically extends to all full-time employees, and can also include part-time or contract staff depending on company policy. Plans can be customised to include specific employee categories, ensuring complete and equitable coverage for your entire workforce.

What is the minimum number of employees required to buy Group Personal Accident Insurance in Singapore?

Most insurers require a minimum of three to five employees to establish a group policy. At Trinet Asia, we collaborate with a wide panel of insurers and can advise you on the best solutions for your company size — even if you’re just getting started with group coverage.

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