A broken hand on W-Fie or an explosion on chemistry. School NNW more important than a pencil case

Children and young people will soon start their education, but parents complete the layette during the holidays. In addition to books, notebooks or pencils, it is also worth taking care of financial help and support in the event of a child's accident at school and outside. We will buy schools for several dozen zlotys, but the protection provided by insurance may prove invaluable.

A child's accident is one of the worst things that can happen to us in adult life. Even if it's just a fracture or a cuts, parents bear additional costs associated with the treatment and recovery of their child, and these can be really high and burdensome. Fortunately, they can be avoided or minimized as long as we buy school for a child.

School insurance not only for the school year

NNW insurance for a child, often also called school, is a policy from the consequences of accidents, including the effects of e.g. injury in school classes, a bicycle accident on the way home, biting by dogs or insects, etc. Although we think about insurance mainly before the upcoming school year, it is worth knowing that you can buy them at any time, because the protection lasts another 12 months in the country The limit (not counting the costs of treatment, which must usually be incurred in Poland). A children's NNW policy includes not only unfortunate events that occurred at school, but also accidents outside of it, e.g. at home, during additional classes, during holidays and holidays.

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NNW for a child, i.e. injuries, serious illnesses and a hospital

School insurance covers primarily the death of a child and/or parent as a result of an accident (including communication) and medical services, including:

• Damage to health as a result of NW – the benefit is usually calculated for each percentage of damage and depending on the sum insured,
• Accident without damage to health – the benefit is usually one -off,
• Reimbursement of treatment costs as a result of NW,
• Hospital stay as a result of an accident, sometimes also illness – the hospital diet is calculated for each day, but often only with a longer hospital stay,
• Diagnosis of serious illness – e.g. malignant tumor, diabetes, stroke, sepsis, heart defect, etc.
• Rehabilitation costs,
• Costs of orthopedic items and auxiliary means,
• Biting, bite by animals and insects.

In addition, as part of NNW for a child, the insured may use assistance after an accident, e.g. medical hotline, psychological assistance, organizing tutoring with longer absence from school, and even reimbursement of the costs of the purchased school trip. Depending on the offer, the services may be additionally paid or limited to several benefits per year. In addition, a parent can buy out a child in private life, which protects against the effects of damage caused by a minor.

Where is the cheapest to buy NNW for a child?

In order to prepare the Bankier.pl school insurance ranking, he asked insurance companies to calculate the premium for a 10-year primary school student. We adopted the sum of insurance (due to the death of the insured) in the amount of 50,000. zloty. The place in the ranking was determined by the amount of the premium, but in the table we indicated the sum insured for the elements characteristic of the NNW elements: damage to health, hospital stay, serious illness or biting by animals.

The cheapest school insurance for a child can now be bought at Uniqa, where we will pay PLN 80 with a discount code. For each percentage of damage to health, the insurer pays PLN 250, while for diagnosing a serious illness up to PLN 4,000. The child will receive up to PLN 35 per day for staying in the hospital, and protection can be extended to hate on the Internet or access to laboratory diagnostics.

The second place was taken by Generali, in which the premium is less than PLN 100 for the indicated sum insured, of which it is 20,000 for damage to health. zloty. A child can receive a maximum of PLN 4,500 with a hospital stay as a result of an accident. The contribution depends on the age of the minor and the selected package.

The podium closes Allianz, where we will pay PLN 113 for school insurance. For damage to health, PLN 500 is paid for each 1%, while in hospital stay as a result of an accident, the benefit is up to PLN 125 a day.

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Accident support: costs of tutoring, canceled trip and psychologist

In the table below we collected amounts for additional services useful in the event of an accident, and available in school NNW: reimbursement of the costs of the canceled trip, psychological assistance after an accident or in the event of a hate on the network and organizing tutoring in the prolonged absence of a child at school.

If the child had a planned and paid trip, which he cannot go due to the accident, then depending on the offer, the insurer will return from PLN 500 to 1000. As part of psychological assistance, benefits performed to the upper amount limit or include a certain number of visits, while tutoring is organized if the child's absence from school lasts longer than the time indicated in the policy, e.g. a week.

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