Group Personal Accident

Overview

Many organizations say that people are their most important asset. As markets mature and international trade grows, people become huge investments for multinational organizations. And for financial and practical reasons, management must protect these investments, these people.

The personal accident program you provide your employees is a key element of this protection. Your Group Personal Accident (GPA) program provides employees with protection against accidents while on the job. It also protects the families of your employees, and meets critical objectives for your multinational organization:

The GPA coverage is a centerpiece of most HR benefit programs, and serves as a critical recruitment and retention tool
HR management in a multinational arena must know, define and adjust benefits in many jurisdictions – the multinational GPA supports this transparency and control
Enterprise risk managers need to ensure benefits are paid promptly and compliantly
Legal, Compliance and Accounting must be certain that this critical benefit program complies with all relevant rules

ACE’s multinational GPA program helps you meet all these goals. You gain transparency and control. You may also find that a global GPA program is more cost-effective. And ACE makes it easy; we can quote and deliver a worldwide program from any ACE office using our global rating model and the GPS^SM platform.

Product Description Target Classes or Industries Key Advantages Contacts

Group Personal Accident insurance (GPA) provides protection to your employees and their families in the event of death or disability due to an accident. Coverage can be limited to accidents related to their occupation only, or allow for any accident 24 hours a day. Covered events include:

Accidental Death
Dismemberment
Permanent Total Disablement
Permanent Disability Continental Scale Benefits

Benefit levels are based on a schedule that you define. Different employee groups may receive distinct benefit levels, or everyone may receive comparable benefits. Our underwriting experts know the options and issues, and can work with you or your broker to find cost effective solutions. You can be confident that you have provided compliantly and appropriately for your domestic and overseas staff.

Multinational companies with substantial groups of employees based in two or more countries.

Uniform, worldwide cover or tailored to local needs: through our network, ACE offers the required coverage anywhere our clients go
Global compliance: a global program supported by a master policy and/or locally admitted policies
Greater control over benefits: coverage and benefit levels fixed at the global level by the Risk or HR manager
Convenience: broker deals with one ACE A&H underwriter who can offer cover around the world
Turnaround time: our new global rating spreadsheet means a single originating underwriter can quote product and price for all markets, today!
Discounts: ACE can offer substantial discounts based on total group size, leading to more competitive pricing than available locally
Better service: our Global Network commits to notice of binding, policy issuance, implementation, money movement within a short, set period

Jeff Dowling
jeff.dowling@acegroup.com
UK, Ireland

Fred Schmidt
fred.schmidt@acegroup.com
Belgium, Netherlands, France, Portugal, Spain, Italy, South Africa, Bahrain, Egypt, Pakistan, Saudi Arabia

Ralf Blesching
ralf.blesching@acegroup.com
Austria, Germany, Switzerland, Denmark, Finland, Norway, Sweden, Czech Republic, Hungary, Pakistan, Poland, Russia, Saudi Arabia

Evan Johnson
evan.johnson@acegroup.com
Australia & New Zealand

Jane Wilson
jane.wilson@acegroup.com
Indonesia, Malaysia, Philippines, Singapore, Thailand

Samuel Sum
samuel.sum@acegroup.com
Hong Kong, Korea, Taiwan, Vietnam

Martha Ospina
martha.ospina@acegroup.com
Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico

Eric Bartenstein
eric.bartenstein@acegroup.com
ACE USA, Canada

© 2011 The ACE Group of Insurance and Reinsurance Companies. This is a product and service summary. Products are underwritten by insurance company subsidiaries of ACE Limited. Coverage may not be available in all jurisdictions and is subject to actual policy language. Non insurance products and services may be provided by independent third parties.