Soon we will face the choice of a good school insurance. We already know that we do not have to purchase it at the school, and the concept of a standard scope does not exist. What else is worth remembering? Here are the 4 most important principles we should follow when choosing an accident insurance package for a child.

Check the insurance sums carefully

The packages offered at schools must be tailored simultaneously to hundreds of students, so they usually offer PLN 10,000 for permanent health impairment. In practice, this means that for each 1% of impairment we receive only PLN 100. Is this enough to cover the costs of treatment or rehabilitation? Everyone should answer this question for themselves.

Read the GTCI

GTCI means General Terms and Conditions of Insurance. They are crucial when choosing the right package, as they describe its scope in detail as well as possible exclusions of liability. This is very important if our children take part in extracurricular activities. A good school accident insurance, regardless of the premium amount, covers professional sports activities in all variants. The scope of protection includes school and extracurricular sports as well as sports practiced in private life, including martial arts, football, volleyball, basketball, athletics, horse riding, swimming.

Where does the policy apply?

Does it only cover your child's stay at school, or also the way to and from school, extracurricular activities, and all trips? If we like to travel, it is worth carefully checking whether the policy works only in the country or also in the place you are going to.

Not just one insurance

Remember that there is no upper limit to the number of policies you may have, so you can purchase them from different companies, not necessarily in September. Children's everyday life is quite carefree, so injuries are not hard to come by. When such a situation happens, you will be entitled to payment from each policy you hold. 

We are aware that the beginning of the school year is a time when the family budget is very tight, but it is not worth saving on good insurance. The most important thing is the scope of protection of our child, which we receive for the given amount. Let us not treat school accident insurance as just another expense or fee to be paid, because it is about something more.