School Insurance Secrets: What It Really Covers & Is It Mandatory?

Every school year, the issue of student insurance arises: is it necessary and when? From protecting children to meeting school requirements and handling administrative tasks, things can be confusing for parents. Here’s everything you need to know about this topic.

Student Insurance: What Does It Cover?

Student insurance protects children in elementary, middle, or high schools, as well as during extracurricular and after-school activities (daycare, cafeteria, outings, field trips, cultural visits, etc.). It covers both physical and material damages suffered or caused by the child. Additionally, a study by Leocare revealed that many parents are unaware that this insurance also includes support for issues like school bullying and cyberbullying, which is vital since one in five students is affected. Beyond basic coverage (accidents, theft, broken glasses), some policies also offer options such as legal assistance or psychological support. For sick children or those with disabilities, it’s sometimes possible to add specific guarantees to assist with home schooling.

Is Student Insurance Mandatory?

Student insurance is not mandatory for activities included in the regular schedule (physical education, swimming, regular trips), although the Department of Education strongly recommends it. However, it becomes essential for optional activities organized by the school (trips, discovery classes, special outings) and for after-school times (daycare, cafeteria, workshops). In these instances, schools may require proof of insurance.

Student Insurance: What About Private Schools?

In public schools, enrolling in student insurance is generally not compulsory. However, this might differ in private institutions, where insurance is often a mandatory condition for enrollment.

Also, consider checking your existing insurance policies: the liability coverage from your homeowner’s insurance usually covers damages caused by your child, and personal accident insurance might cover certain expenses in the event of an accident. If you lack these protections, getting student insurance remains the best safeguard to protect your child and avoid any unpleasant surprises.