School insurance is often required by educational institutions, especially for trips. It is anyway a helpful measure to take to secure your child on a daily basis. explanations.
What is school insurance?
What does school insurance cover and why is it highly recommended to conclude such a contract? It is insurance that covers the child in his school and extracurricular activities. Thus, the contract is not only about mandatory activitiesrecorded in the usual schedule, but also in Incidental and optional activitiessuch as school outings or complementary sports activities.
School insurance covers risks related to course attendance and accidents that may occur in class. This is the case even if civic education is supposed to ensure the safety of students. But not everything can be taken care of in this context, nor can certain accidents be prevented, even with close monitoring and proper educational supervision.
Also covered by school insurance sports activities and movement of the child to places of exercise such as the gymnasium, sports field, and swimming pool. Optional activities are added to this, such as canteen, outdoor activities Or even outings to the library, museum, and theater. Contracts usually cover too Tripssuch as green seasons, discovery lodges, and snow seasons.
Furthermore, participation in such trips outside the school institution generally requires insurance by the academic authorities or the school administration. MAE is a specialist in school insurance and allows you to easily and quickly conclude a suitable contract.
Is school insurance compulsory?
Every year many parents wonder if school insurance is mandatory, in other words whether the school can enforce it. The law is straightforward, but it is often not well known or poorly explained. She defines it School insurance is mandatory only for elective activities. Civic education covers the activities and lessons included in the child’s schedule. It is up to the school management and teachers to ensure proper supervision and proper control of risks.
If your child does not have school insurance, he or she will not be able to participate in optional activities. It will be excluded from outings to the museum, cinema, theater or municipal library. He will not be able to participate in school trips or language stays, as well as any exchange with correspondents from another country. Extracurricular activities organized by municipalities will also be closed to it. For the canteen, most institutions require school insurance.
What about mandatory activities, including those with a travel risk? The rule is as follows: if these activities are included in the schedule of a child or teenager, they do not require school insurance. So no contract can be imposed on you. This includes trips to sports fields, swimming pools, and gyms, including if you are not on the school grounds.
However, it should be borne in mind that School insurance provides additional coverage during these mandatory activities. He will be able to take responsibility for an accident as soon as possible before he switches to patriotic education.
What are the guarantees provided by school insurance?
School insurance covers children during school and extracurricular activities, whether optional or compulsory. This type of contract is for students from kindergarten through high school, through elementary school and college.
The guarantees offered vary from contract to contract. So parents can choose according to their real needs. Includes basic insurance Civil liability guaranteeThis means that it covers harm that your child causes to a third party, another student, or an adult. You can also get Personal Accident Coverage, which covers any situation in which the insured child is injured.
Various additional guarantees are offered by insurance companies. Thus, there are guarantees that cover theft, if the student takes valuables, such as musical instruments or a computer. You can get legal protection, hospital treatment, or a disease package. Children who are equipped with corrective lenses have an interest in having insurance that offers adequate insurance in the event the glass is broken. Finally, there are also school insurance policies that cover excursions in school transportation. The period covered by the contract corresponds to the academic year.
Want to know more about School insurance contract guarantees ? Feel free to contact the Ministry of Foreign Affairs. A counselor can guide and help you Choose the necklace that best fits your child’s needs.