What is school insurance?

What is school insurance?

School insurance: what is it?

School insurance covers your child throughout the period. Discover here, whether you are from Arrage or not, a series of articles on school insurance for schoolchildren, middle school students, high school students ...

school insurance

Definition of school insurance
What is it for ?
Is school insurance compulsory?
How to take out school insurance and at what price?
What to do in the event of an accident?
Blog articles on school insurance
Definition of school insurance
For a child, being responsible for an accident or being the victim of an accident is normal. But the damage it causes and the injuries it sustains can come at a cost. If the incident happens at school or on the way to it, we remain protected thanks to school insurance. What should we think of this insurance product? Here are the answers to the various questions you might ask yourself on the subject.

School insurance: what is it for?
School insurance is first and foremost a protection measure. It protects a child and his parents through 2 main guarantees:

Civil liability guarantee which covers material and bodily damage that your child could cause to third parties (injury to a classmate, destruction of a school window, etc.). However, it does not apply when the damage is caused by the use of a motor vehicle;
Individual accident cover which covers damage to your child. In most cases, this guarantee provides for reimbursement of health care costs in addition to social security plans and payment of capital in the event of permanent disability or death.
Of course, the guarantees offered may vary from one contract to another. Among the possible additional guarantees there is the assistance service which offers the possibility of injured or sick children to continue their education at home or even the theft of a satchel or racketeering guarantee.

In principle, school insurance can only be brought into play as part of a school or preschool activity or on the journey between home and school (back and forth). There are, however, contracts that offer year-round guarantees, anywhere, anytime. This is called extracurricular insurance. However, the latter does not cover claims suffered or caused in the context of paid professional activity.

Is school insurance compulsory?
School insurance is only compulsory in certain cases. It is not compulsory for compulsory school activities: activities included in the student's timetable. These activities include: trips to the swimming pool or to the sports field.

On the contrary, it is essential for optional school activities: museum visit, discovery class, walk, language stay ... In addition, it is strongly recommended to subscribe to it if your child attends a canteen or if he participates in activities. preschools organized by the municipalities outside of school time.


 
It should be noted that these rules are still valid for public establishments. Things are different for private institutions which can set their own insurance rules.

How to take out school insurance? At what price ?
You can subscribe to this insurance by contacting your usual insurer or by subscribing to a group insurance contract that parents' associations or schools offer. The cost of school insurance varies from one insurer to another and depending on the scope of coverage chosen. But in general, the contribution is around 10 euros per child, per year.

However, before purchasing, check if any of the insurance contracts you have already taken out offer the same guarantees as school insurance. The liability cover for comprehensive home insurance, for example, has the same purpose as the liability cover for school insurance. In addition, certain personal contracts (individual accident guarantee or life accident guarantee) can also cover bodily accidents suffered by your child.

What to do in the event of an accident
The procedure to follow to bring school insurance into play varies depending on the situation:

If your child is injured

The first thing to do in this case is to gather as much information as possible about the circumstances of the accident by collecting the testimonies of witnesses at the scene of the accident.

Then, it will be a question of asking a doctor for a certificate specifying the nature of the injuries and the possible developments. Afterwards, you will have to report the accident to your insurer or to the organization with which the school insurance has been taken out