Insurance coverage: Children in school: what does the insurance cover? | news

Every school child receives insurance coverage from statutory accident insurance. This is a branch of social insurance based on the seventh book of the Social Code (SGB VII). Statutory accident insurance is statutory insurance and has as its basic task to prevent insured events, restore the health of the insured and, if necessary, replace them.

For school children, this means that (almost) all accidents in connection with school operations are covered by statutory accident insurance. It could be a fight during the break, a bicycle accident on the way to school, broken glasses or even stomach upset after eating canteen food. Ultimately, it often has to be decided on a case-by-case basis whether the statutory accident insurance applies or whether a private liability insurance should be used.

Of course, there are still a few conditions that must be met in order to benefit from the comprehensive protection provided by statutory accident insurance: Treatment, benefits for participation in social and working life, pension payments in emergencies and no personal contributions to all these services.

Insurance coverage for all school events

The statutory accident insurance generally applies to all officially approved school events. This includes lessons on the school grounds, physical education outdoors or in the swimming pool, summer festivals, school trips, theater performances and so on. However, this does not include private tutoring or homework.

It is important that only participation in the event (and the way to it) is insured. If a private activity is carried out during this period – such as eating or sleeping on a school trip – the student is not insured for the duration.

And: “School authorities, teachers and students […] is generally exempt from liability under civil law, “writes the Federal Ministry of Labor and Social Affairs in a brochure. However, exceptions are cases of liability on the way to school and intentional acts. If a child intentionally destroys another child’s property, the statutory accident insurance does not apply In such cases, children should definitely be covered by the parents’ family liability insurance.

The most direct way to school

The statutory accident insurance already takes effect on the way to school or to school events – on few conditions. School children should always take the most direct route to school. If a long detour has been made for fun, or you look past the baker for a moment, the insurance no longer applies.

Of course, the most direct route to school must also be as safe as possible, which is why even minor deviations from the most direct route are tolerated. If especially small school children go the route alone, the insurance company is also tolerant – after all, they are probably not yet able to judge the shortest route well or are easily distracted. The protection can therefore still take effect if, for example, the bus or the correct stop has been overlooked.

In addition, deviations are tolerated if, for example, there is a community (whether it is only among students or with parents in the car does not matter).

The explicit reference to the school event is required

A child must sleep during the class trip and eat during the lunch break, but is still not covered by statutory accident insurance during this time. At least most – because there is an overriding condition for the occurrence of statutory accident insurance protection: The accident (or injury) has occurred as a result of the school event. If this can no longer be proven, the insurance does not apply.

For example, if a child is strangled during the (actually “private”) meal in the canteen because it can be proven that it was distracted by a message from the principal (and thus a school case) and suffered damage as a result, the insurance will still enter into force. The same is true if a teacher instructs a child in teaching to get something normally private, such as candy for the whole class, and they injure themselves along the way.

A fight between two students in the schoolyard is also insured if the reason for it is explicitly school-related.

Incidentally: Even activities that are actually prohibited by the house rules are covered by statutory accident insurance. This applies, for example, to the popular snowball throw.

Special case property damage

Property damage is a special case – because it is only accepted in a few cases. For example, glasses that break during sports lessons will only be replaced if they were used during the accident. If it was damaged while lying on a bench, the insurance does not apply. If the injury is caused by another child, it may make sense to contact the liability insurance company.

Other things such as bicycles or private instruments are not covered by statutory accident insurance. For this purpose, a private extra student insurance can be purchased. However, some schools also offer school insurance options – it may therefore be worth asking the school if solutions are offered by the school authority before taking out a private instrument insurance, which can be more expensive.

Of course, there are also plenty of extra student insurances. If it makes sense to take out such insurance – in addition to the private liability insurance and health insurance – it can cover the areas of the child’s everyday school life that are not covered by statutory accident insurance.


Image sources: New Africa /, ollyy /

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