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What are GPA And GMC in Health Insurance Plans?

Published On Dec 21, 2021 12:00 PM By InsuranceDekho

Having health insurance is not only one of the best ways to invest your earnings, but also safeguard the health of you and your family. Companies also try to provide health insurance benefits for their employees so that they can stay safe and healthy. Group Medical Coverage (GMC) and Group Personal Accident (GPA) are two types of policies that are presented by companies to their employees.

What are GPA And GMC in Health Insurance Plans?

What is GPA Insurance?

GPA or Group Personal Accident insurance policy is a type of group insurance policy. This type covers the expenses incurred due to accidents and other unforeseen circumstances that might lead to medical charges. It also covers fatal injuries and such. The premium that is paid to this kind of policy is lesser than what would be paid for individual policies, making it economical. The policy comes with several built-in covers and features that are provided to all employees who are covered under this kind of policy. Some of the most useful covers that are often provided are accidental death cover, disability cover, ambulance cover and more. Depending on the insurance provider, there are provisions to purchase individual add-ons as well. There are also provisions provided for two dependent children and their education expenses. Even though the policies are quite comprehensive, its disadvantage lies in the fact that it does not have provisions for customizing the policy according to individual needs and problems. 

What is GMC Insurance?

GMC or Group Medical Coverage is provided for a group of people who have the same interests when it comes to their finances and medical coverage. This type of policy is customizable and can be made according to the needs of a particular organization or a group of people. The premium that is paid to obtain the coverage from this type of policy is divided among all the insured people, making it less than what would have to be paid for individual policyholders. The premium amount is based on multiple factors such as the demographics of the group, the age of those who are to be insured, the concerns that are present and more. Depending on the organization that is providing the insurance for their employers, they will either pay the entire charges for their insurance or take a certain portion of the employers’ salaries which is then paid towards the insurance. Moreover, depending on the insurance provider, there can be add-ons provided for the Group Medical Coverage as well. Some of the commonly provided covers present in this type of health insurance cover pre as well as post hospitalization charges, maternity charges as well as expenses for infant health, daycare expenses and much more. 


It is always wise to take advantage of the medical facilities that are provided by the workplace. This is because the group policies, like the ones defined above, save money in the long run and provide more facilities at a lower cost. Both the types of group insurance policies, however, usually do not cover expenses incurred due to sexually transmitted diseases, criminal activities, or even deaths, even if they are caused by accident. It remains important that all those who are to be insured under the policy, thoroughly read its terms and conditions and what it can provide for the insured. Overall, they remain quite comprehensive and protect the insured candidates against several pertinent contingencies that require heavy financial assistance. 

Also read: Health Insurance: Definition, Types, And Benefits Explained

5 Hidden Benefits of Health Insurance

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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