why is it important to buy school insurance?

School insurance is often mandatory for educational institutions, especially for trips. In any case, it is a useful measure to protect your child on a daily basis. explanation.

What is school insurance?

What does school insurance cover and why is it strongly recommended to conclude such a contract? This is insurance that covers the child in his school and extracurricular activities. The contract therefore does not only cover: mandatory activitiesregistered in the usual schedule, but also on occasional and optional activitiessuch as school outings or additional sports activities.

School insurance covers risks associated with attending courses and accidents that may occur in the classroom. This is the case even if National Education is supposed to ensure student safety. But not everything can be arranged in this context and certain accidents cannot be prevented even through careful monitoring and appropriate educational supervision.

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Also covered by school insurance the sports activities and the transfer of the child to exercise areas such as a gymnasium, a sports field, a swimming pool. Optional activities are added to this, such as the canteen, extracurricular activities or even trips to the library, museum, theater. Contracts usually also cover: the journeyssuch as green lessons, discovery stays, snow lessons.

In addition, for participation in these trips outside the school premises, insurance is generally required by the academic authorities or school management. The MAE is the specialist in school insurance and enables you to easily and quickly conclude a suitable contract.

Is school insurance mandatory?

Many parents wonder every year whether school insurance is mandatory, in other words whether the school can impose it. The law is clear, but often poorly known or poorly explained. She specifies that school insurance is only required for optional activities† The activities and classes listed in the child’s timetable are under the National Education. It is up to the school management and the teachers to ensure appropriate supervision and to properly manage the risks.

If your child does not have school insurance, they will not be able to participate in optional activities. He is excluded from trips to the museum, cinema, theater or city library. He will not be able to participate in school trips or language stays, nor in exchanges with correspondents from another country. And the extracurricular activities organized by the municipalities are also closed to him. Most branches require school insurance for the canteen.

What about mandatory activities, including activities that pose risks of accidents due to travel? The rule is as follows: if these activities are included in the child’s or young person’s schedule, no school insurance is required. So no contract can be imposed on you. This includes trips to sports fields, swimming pools, gyms, even if they are not on school grounds.

However, it should be borne in mind that school insurance offers extra coverage during these mandatory activities. It will be able to resolve an accident as quickly as possible before possibly turning to National Education.

What are the school insurance guarantees?

School insurance covers children during school hours and extracurricular activities, both optional and 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. Parents can therefore choose based on real needs. Basic insurance is included a guarantee of civil liability, that is, they cover damage that your child causes to a third party, another student or an adult. You can also take out personal accident cover, which covers any situation where the insured child is injured.

Insurers offer various additional guarantees. For example, there are guarantees against theft if the student takes valuables, such as musical instruments or a computer. You can take out legal aid, hospitalization or a health insurance package. It is in the interest of children with corrective lenses to have insurance that offers a sufficient guarantee in the event of glass breakage. Finally, there are also school insurance policies that cover travel with school transport. The period to which the contract relates corresponds to the school year.

Do you want to know more about the guarantees of school insurance contracts † Do not hesitate to contact the MAE. An advisor can guide and help you choose the contract that best suits your child’s needs

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