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In some days, your child will make her first steps on the path of the school and the insurance companies won't miss to solicit you. Are the school insurances necessary and obligatory? What risks do they cover?
To every start of the academic year, does your child's school require an attestation of insurance. Obligatory or advisable?
The insurances scolairesDans the establishments public, no insurance is not required for the activities taking place in the setting of the establishment and during the normal hours of course. On the other hand, she is obligatory for all optional activities taking place outside of the establishment (cultural exits, classes of nature, journeys.).
She must cover the damages that your child can cause to the other (guarantee "civil responsibility" with regard to the third) as well as the damages that the child can cause herself to himself (guarantee individual accidents). The private establishments fix themselves their own rules concerning insurance.
If you already subscribed an insurance "multirisk dwelling" for your family, verify that she covers these two categories of risks. Well often, the guarantee individual accidents are absent of the classic contracts and require the subscription of a supplementary guarantee.
School and extra-curricular insurance, that to choose?
Know that the only school insurance covers your child during the school time and the domicile-school journeys whereas the school and extra-curricular insurance intervenes 24 hours on 24 during the year of subscription. Your child will be covered therefore if he practices a sport or any activity outside of the school, as well as he will be assured during vacations.
Some companies also foresee on duty the hold in total or partial charge of the expenses, if your child is in convalescence following a hospitalization. Others even cover the flight of a jacket or a violin.
Finally know, that you must subscribe a contract by child, the tariffs are generally degressive, capable to go until the exemption from payment for the 3rd or 4th child.
To determine the most adequate insurance policy for your child, don't hesitate to ask for advice your insurer or to a Federation of parents of pupils.
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