School insurance – what does it cover?
In this article you’ll read:
School Accident Insurance
Accident insurance, often called school accident insurance, protects against sudden accidents and serious illnesses. It pays compensation in case of permanent or temporary health damage caused by an accident. An accident is understood as an event beyond the victim’s control. Coverage includes hospitalization due to accident or illness, reimbursement of treatment, rehabilitation, medical equipment, and even legal or psychological assistance. School accident insurance is often bought at the beginning of the school year and associated with protection only at school. However, it offers much more than that.
Is school insurance mandatory?
Accident insurance is not mandatory. It is voluntary and can be purchased by parents. There is a misconception that parents must buy the policy offered at school. Accident insurance for children can be purchased online independently, choosing coverage and sums. School-proposed insurance often has narrow coverage and low compensation. A good school accident policy can be purchased at any time of year and is valid worldwide during its term. Accident insurance is usually annual and must be renewed manually.
School insurance and hospitalization
A key event covered is hospitalization. The best policies cover hospital stays due to illness or accident. Daily benefits are paid per day, but conditions vary. Usually a minimum hospital stay is required: 5 days for illness, 16 hours for accidents. Insurers also cap maximum payouts. The best school insurance covers serious illnesses with high lump-sum benefits. Coverage details are listed in each insurer’s terms. Broad coverage increases the chance of higher compensation. In children’s accident insurance, treatment and rehabilitation are treated as separate events, each up to PLN 8,000 compensation.
What does school insurance cover?
It provides financial help in emergencies. Families often cannot predict or afford treatment and rehabilitation costs. The best policies cover daily hospital benefits, treatment costs, rehabilitation, medical equipment, surgeries. Compensation is also paid for minor injuries like fractures or sprains. Sports are included except extreme ones and some martial arts. Additional benefits may include legal help (e.g. child disappearance), psychological support, tutoring, or IT assistance for parental control software. With rising popularity, insurers offer wider and more attractive variants. Comparing offers is essential. Be aware of exclusions and payout tables. Even with low premiums, it is worth buying high-coverage insurance.