According to schools, school insurance is not compulsory, but it is often essential in certain situations. However, many parents do not know the extent of their guarantees.
Each school year raises the question ofschool insurance : Should we subscribe to one and in what cases? Between protection of children, requirements of administrative establishments and formalities, everything is not always clear for parents. Here is everything you need to know about the subject.
School insurance: what does it cover?
School insurance Protects children in school, college or high schoolas well as duringextracurricular and extracurricular activities (daycare, canteen, outings, discovery classes, cultural visits …). It covers bodily and material damage suffered or caused by the child. Furthermore, according to a study by Leocare, many parents are unaware that this insurance notably includes support in the event of school harassment and cyberbullying, a crucial subject since 1 out of 5 students is concerned. Beyond the classic guarantees (accidents, theft, breakage of glasses), certain contracts also offer options such as legal assistance or psychological support. For sick or disabled children, it is sometimes possible to add specific guarantees to facilitate schooling at home.
Is school insurance compulsory?
School insurance is not compulsory for the activities provided for in the timetable (Sports lessons, swimming pool, usual outings), even if the Ministry of National Education strongly recommends it. On the other hand, it is essential for optional activities organized by the school (travel, discovery classes, exceptional outings) and for extracurricular times (daycare, canteen, workshops). In these cases, establishments can request proof of insurance.
School insurance: and in private schools?
In the public, schools generally do not impose the subscription of school insurance. This rule can however be different in the private sector, where it often happens that school insurance is a compulsory condition to register your child.
Also remember to check your existing insurance: The civil liability of your home insurance generally covers the damage caused by your childand the guarantee of accidents in life can cover certain costs in the event of an accident. If you do not have these protections, subscribe to school insurance remains the best guarantee to protect your child and avoid unpleasant surprises.
