Group accident insurance is a type of insurance coverage that is provided to a group of individuals, typically through their employer or membership in an organization. Group accident insurance provides financial protection for the policyholders in the event of accidental injury or death.

Group accident insurance policies typically cover medical expenses and other costs associated with accidental injury or death, such as hospitalization, surgery, rehabilitation, and funeral expenses. Some policies may also offer additional benefits, such as disability income, lost wages, and accidental death and dismemberment coverage.

Group accident insurance is usually less expensive than individual accident insurance because it is purchased in bulk by the group. Group accident insurance policies are often offered as an employee benefit by employers, but they may also be available to members of professional or trade associations, clubs, and other organizations.

Group accident insurance can be a valuable benefit for individuals who may not have the resources to pay for unexpected medical expenses or lost income due to accidental injury or death. Policyholders should carefully review the terms and conditions of their group accident insurance policy to understand the coverage and limitations of the policy.