Compared to last year without distance learning (2018/2019), the number of accidents among students has decreased in the academic year 2020/2021. This is a clear effect of closed schools and online classes, although it is worth noting that parents have 3 years to notify the insurance company of the incident and have not yet reported some claims this year. However, we can already talk about the impact of the epidemic on the number of infections. In the months covered by the so-called “severe” shutdown, accidents occurred 50-60% less than usual – a summary of over 100,000 claims reported to insurer Compensa in recent years.
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– The final school year was unusual and, incidentally, the children had no injuries during breaks, or during physical education or physical education lessons. However, that is not enough to say that we have quiet time behind us. Often students have accidents not during lessons, but after them. In this regard, the 2020/2021 school year is not much different from previous years – summarizes Andrzej Paduszyński, Director of the Individual Insurance Division at Compensa TU SA Vienna Insurance Group.
In the last school year, the largest number of accidents occurred in September, October and February. Among the provincial cities, the most accidents occurred for students from Warsaw, Wroclaw, لودód and Krakow. Fewer children from Gorzów Wielkopolski, Toruń and Bydgoszcz.
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– It is worth noting that NNW School applies not only to the school year, but also during the summer holidays. It may sound different, but the number of accidents in July and August does not increase, rather often decreases compared to the school months. In September 2020, the damage was almost the same as last year’s holiday Andrzej Paduszyński from Compensa adds.
School accident insurance at higher and higher amounts
Many parents still associate school accident insurance and cheap protection with a low sum insured, ensuring modest compensation after a child’s accident. Data from Compensa shows that parents’ awareness of insurance is growing. In the academic year 2020/2021, the number of insured students of more than 30 thousand students increased to 29%. PLN. A year ago, there were only 14% of them.
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– I think this trend of insurance premiums will continue to strengthen. Parents often quit buying insurance at school if it doesn’t meet their expectations. This is a clear signal to school administrators and parents’ councils, through which the largest number of children in Poland is still insured. Most importantly, the change in the approach to purchasing accident insurance relates not only to the amount of potential compensation after an accident, but also to the scope of protection. The possibilities available in the market today are much wider than they were a few years ago Andrzej Paduszyński explains.
In the basic scope, school accident insurance provides a benefit in respect of permanent health disability as a result of an accident and the death of a child. In addition, protection may include such elements as, for example, financial support in the case of separate treatment and rehabilitation, the provision of parental consent, payment of psychological assistance, tutoring and the “child in the network” service, which is a very important service. Useful during distance learning, and consists of assisting IT in securing a computer or installing parental restrictions for specific content.
Source: Compensa TU SA Vienna Insurance Group
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