Workmen’s Compensation (WC) vs Group Personal Accident (GPA) Insurance

Workmen’s Compensation (WC) Insurance

A mandatory insurance policy designed to protect employees against work-related accidents, injuries, and occupational illnesses. It typically covers medical expenses, wage compensation during recovery, and the employer’s legal liability arising from workplace incidents.

Group Personal Accident (GPA) Insurance

A voluntary insurance cover that provides protection to employees against accidental injuries, disability, or death, regardless of whether the incident occurs during work or outside the workplace. Benefits are generally provided as fixed compensation amounts.

In Simple Terms

• WC Insurance = Statutory protection for workplace-related risks
• GPA Insurance = Additional financial protection beyond the workplace