What Are GMC and GPA Insurance Simple Guide

What is GMC insurance?

The full form of GMC insurance is "Group Medical Coverage". GMC is a health insurance plan for a group of people, usually employees of the same company. It takes care of their medical and hospital bills of employees which includes pre-existing diseases, inpatient and outpatient care and maternity benefits.

The company can choose how much coverage to give based on factors such as the number of employees, their age and salary, the type of work the company does, and the plan they select.

GMC Policy Benefits

Here are some employee benefits that you can get after getting GMC insurance:

1. Covers hospital bills, including costs before and after your hospital stay - like tests and medicines.
2. Takes care of daycare treatments that don’t need you to stay overnight in the hospital.
3. Some plans also cover your family, like your spouse and children. It can even include costs for childbirth and newborn care.
4. You can get cashless treatment at partner hospitals - no need to pay from your pocket first.
5. Covers ambulance charges for taking the patient to the hospital.
6. Some policies offer free annual health check-ups for early detection of illness.
7. No medical tests may be required to join the policy, especially for young and healthy employees.

What is GPA Insurance?

The full Form of GPA Insurance is "Group Personal Accident Insurance". GPA insurance is a plan given to employees that helps them with money if they get hurt, become disabled, or die because of an accident.

All employees get the same fixed benefits under this plan which includes death benefits, worldwide protection and much more. It is not much flexible, but it costs less than buying separate accident insurance for each person because the risk is shared among the group.

GPA Policy Benefits

Some of the amazing employee benefits of GPA policy are:

1. If the employee is badly hurt or becomes disabled (fully or partly, for short or long term), they will get some money as support.
2. If an employee dies in an accident, their family will get a fixed amount of money.
3. Some plans also pay for funeral costs and help with the transport of the body after death.
4. It covers ambulance costs to take the person to the hospital.
5. A few GPA policies will even pay school fees for up to two children if the insured employee dies in an accident.

Difference Between GMC and GPA Insurance

post-hospitalization costs

Inclusions and Exclusions GMC Insurance

• Included in GMC Insurance (Inclusions):

These are the things that GMC insurance usually covers:

1. Hospital bills for treatments or surgeries
2. Doctor visits and medical tests before and after being in the hospital
3. Medicines and treatment costs
4. Daycare treatments that don’t need an overnight stay
5. Maternity expenses (if included in the plan)
6. Newborn baby care (for a limited time, if included)
7. Cashless treatment at partner hospitals
8. Ambulance charges to take the patient to the hospital
9. Pre-existing diseases

Inclusions and Exclusions GMC Insurance

• Included in GMC Insurance (Inclusions):

These are the things that GMC insurance usually covers:

1. Hospital bills for treatments or surgeries
2. Doctor visits and medical tests before and after being in the hospital
3. Medicines and treatment costs
4. Daycare treatments that don’t need an overnight stay
5. Maternity expenses (if included in the plan)
6. Newborn baby care (for a limited time, if included)
7. Cashless treatment at partner hospitals
8. Ambulance charges to take the patient to the hospital
9. Pre-existing diseases

• Not Included in GMC Insurance (Exclusions):

These are the things that GMC insurance usually does not cover:

1. Cosmetic surgeries (like plastic surgery for looks)
2. Dental or eye treatments (unless it’s due to an accident or added to the plan)
3. Self-harm or suicide attempts
4. Injuries caused by alcohol or drugs
5. Non-prescribed treatments or unproven therapies

Inclusions and Exclusions in GPA Insurance

• Included in GPA Insurance (Inclusions):

These are the things that GPA insurance usually covers:

1. If an employee dies due to an accident, the family gets compensation.
2. Full body disability caused by an accident is covered.
3. If only part of the body is affected (like losing a finger or leg), the policy pays a fixed amount.
4. If the employee cannot work for a few weeks or months due to an accident, they may receive a weekly benefit.
5. Cost of ambulance for accident-related emergencies.
6. Some plans cover these if the employee dies in an accident.

• Not Included in GPA Insurance (Exclusions):

These are the things that GPA insurance usually does not cover:

1. Natural death (death not caused by an accident)
2. Death or injury due to alcohol or drug use
3. Self-harm, suicide, or attempted suicide
4. Injuries during criminal activities
5. Accidents outside the policy period
6. War, riots, or terrorism (in some cases)

Conclusion

Both GMC and GPA insurance are important for giving financial help and peace of mind. GMC insurance covers many medical expenses like hospital stays, tests, and medicines, making it a good choice for overall health needs. GPA insurance, on the other hand, focuses only on accidents and helps if someone gets hurt or dies in an accident. To choose the right policy, think about what you need, how much you can spend, and what each plan includes.