Accidents and insurance in schools and educational institutions
Pupils and students are insured in school and during trips to and from school. The insurance also covers other activities in line with the national curriculum, such as trips, camp school, afternoon activities, and school clubs.
Accidents on the way to school
Accidents on the way to school or educational institution are compensated excluding accidents where a car or some other motor vehicle is one of the parties. In these cases, vehicle insurance covers the treatment expenses.
An accident during the school day
If a pupil or student has an accident during the school day, they receive first aid at school. If necessary, the pupil or student is sent to the health centre or, in serious cases, directly to hospital. All accidents are reported even if no medical attention is required.
What does the insurance cover and compensate?
The insurance covers health care costs in the public and private sector.
Clothes, watches, mobile phones and other items broken in an accident are not covered. Eyeglasses broken in an accident that requires medical treatment will be covered. The first step is to see if the glasses can be repaired and, if not, to replace them with similar ones.
The private sector medical expenses must be claimed from Kela before reimbursement can be claimed from the insurance. With a payment commitment, the medical institution will bill the insurance directly.
The City of Vantaa has insurance in LähiTapiola
When accidents occur in schools or educational institutions, a notice of accident is made to the insurance company. The City of Vantaa has insurance in LähiTapiola. When accidents occur, the school, educational institution, and insurance company help guardians in submitting compensation claims.