The basic cover under a Group Life policy is accidental / natural death occurring to the insured person anywhere in the world. This can be extended to include Permanent and Temporary Disability following Accidents. The benefit limit per employee can be selected. The Workmen's Compensation insurance while providing benefits against industrial injury and death excludes natural death. Therefore, it is recommended that this cover be taken either as an extension of Workmen's Compensation insurance or independently as a standalone cover. Various options are available.