#RFdlaUkrainy – voluntary accident insurance for school-age children and youth (school accident insurance)
If your child goes to kindergarten, school or university in Poland, it is worth considering taking out school insurance.
School insurance is the most common type of personal insurance in Poland, which primarily provides protection against accidents – hence the common name accident insurance. It also sometimes covers serious or sudden illnesses. Protection is provided all year round (including holidays): at school, on the way to school and at home. If your child is covered by this insurance, then if an accident occurs – the insurer should pay a benefit for the occurrence of permanent damage to health, reimburse the costs of treatment or hospital stay.
The majority of kindergartens, schools and universities in Poland have group insurance contracts for school-age children and youth with standardised coverage, to which your child can be added at any time. The form of a group contract is a very reasonable solution that allows you to get a lower premium than with individual insurance. You can ask about insurance at the school your child will be attending and get detailed information about the coverage, benefits and premium. If insurance for your child is taken out during the school year, the premium should be correspondingly lower than for a full year.
School insurance can also be taken out through individual contracts by contacting an insurance agent, via a helpline or online directly with the insurance company. Then there is a chance to better adapt the cover to your needs: e.g. a higher sum insured resulting in a higher benefit in the event of an incident or also covering practising competitive sports (which is usually excluded in group policies).
