Group personal accident (GPA) pays fixed benefits when employees suffer accidental death or disablement, plus indemnity sections such as accident medical expenses. Corporate travel insurance protects staff on business trips with medical, evacuation, cancellation, delay, baggage and business extensions. The exam tests benefit versus indemnity, the scale and its cap, weekly benefits and waiting periods, named and unnamed bases, accumulation, exclusions, and how these covers sit beside WICA and group medical plans.
5 sections·~3 min read
✓Checked against the SCI ComGI syllabus chapter 10; GIA Singapore travel insurance guide and FAQs; MOM pages on WIC insurance and who is covered under WICA; standard GPA and business travel policy structures, checked 13 Sep 2026. Unofficial prep, not endorsed by MAS or SCI.
★
Must-know for the exam
✓GPA death and disablement sections are benefit covers: they pay the capital sum or a scale percentage, not the actual loss. Contribution and subrogation do not apply to them.
✓Accident medical expenses sections are indemnity: recovery is limited to the bills, and other-insurance clauses can share the cost.
✓Accidental death and permanent total disablement (PTD) usually pay 100% of the capital sum; partial disablements pay the scale percentage; total scale benefits per person are commonly capped at 100%.
✓Temporary total disablement (TTD) pays a weekly benefit for a maximum number of weeks, often after a waiting period; policies may deduct TTD paid from a later PTD payment for the same injury.
✓Capital sums may be flat, graded by category, or a multiple of salary (for example 36 x monthly salary).
✓Named basis lists individuals; unnamed basis covers a described category with premium adjusted on declared headcount or wages.
✓Occupation is the main rating factor; accumulation (many staff in one event) is managed with any-one-accident limits.
✓GPA does not replace compulsory WIC insurance, which MOM requires for manual employees and non-manual employees earning $2,600 or less (as at 13 Sep 2026).
✓GIA lists the main travel benefits as personal accident, medical expenses (overseas and in Singapore), emergency medical evacuation, trip cancellation and curtailment, travel delay and baggage.
✓WICA still applies to an employee injured on an overseas assignment; the travel policy pays its own benefits separately.
Why this chapter matters
•Employers buy GPA and corporate travel cover as staff benefits, often alongside WIC insurance and group hospital plans. Questions turn on which section is benefit and which is indemnity, how the scale works, and which cover responds when several apply to the same accident.
•Takeaway: fixed benefits stack; medical bills do not.
GPA benefits and the scale
•An accident is typically bodily injury caused solely and directly by accidental, violent, external and visible means. Illness, gradual strain and heart attacks are not accidents, though infection arising directly from an accidental wound is usually treated as part of the injury.
•Death: 100% of capital sum.
•Permanent total disablement: 100%, usually after a qualifying period (such as 12 months) and defined by inability to work in any occupation or in the usual occupation, as the wording says.
•Permanent partial disablement: scale percentage (for example 50% for loss of one eye under the policy scale).
•Temporary total disablement: weekly benefit, maximum weeks, possible waiting period.
•Medical expenses: reimbursement up to a limit, less any excess.
•Worked example. Capital sum $200,000. Loss of a hand (50%) and loss of sight of one eye (50%) in one accident = 100% = $200,000, which is the cap.
•Worked example. TTD $500 a week after a 7-day waiting period; 5 weeks off = 35 days - 7 = 28 days = 4 weeks x $500 = $2,000.
CMFASPrep