The beginning of the school year is a classic scenario familiar to every parent. From the first parent-teacher meeting, we return with a list of payments to make – class fund, Parents’ Council, accident insurance, and even cleaning supplies! If we add the cost of school supplies and textbooks, the total can make our head spin. The safety of our children is not just another expense but a priority, so we present 5 common myths about school accident insurance (NNW).

Child insurance is one of the mandatory fees

Not every parent remembers that a public school has no right to demand additional payments for children’s education. This is clearly stated in Article 5g of the Education System Act: “For making available to parents information collected by public kindergartens, other preschool education forms, schools, and institutions regarding their children’s teaching, upbringing, and care, no fees may be charged to parents, regardless of the form and manner of providing such information.”

School accident insurance must be purchased at the institution

Like any insurance, accident insurance for our child can be purchased anywhere. Schools usually offer one option with a low annual premium, which also means low payouts for health impairment. Sometimes, schools recommend submitting a declaration at the office if the child is insured elsewhere. Do not underestimate such an important matter as safety and compare what different insurers offer on your own. Although we wish no one has to use the policy, it is worth knowing what we pay for.

The insurance coverage is standard

This is the answer often heard by parents who ask about the benefits covered by the premium. We strongly warn against such statements. There is no single standard coverage. It is always defined by the General Terms and Conditions of Insurance, which we should review before choosing a policy. This is especially important if our child participates in extracurricular sports or spends active time outdoors.

School accident insurance only applies at school

Although the name of this policy may be misleading, school accident insurance works 24/7, also during holidays, regardless of where the child is. In the case of Good School Accident Insurance in the Fair Play Idea, the insurer’s liability includes the child’s activity in both school and extracurricular sports clubs.

Insurance must be purchased in September

A child can be insured throughout the entire year. Importantly, it does not have to be just one policy. Many parents choose several policies to ensure broader protection. It is also worth noting that in the event of health impairment, compensation is due from each insurer according to the contract terms, which is why the insurance sums should be as high as possible.