Student and Faculty Personal Accident Plan, global cover, tailored-made for International Schools

Get your students covered for US$40 / student / year – Worldwide, 365 days per year.

What happens if a student is permanently injured, disabled, or dies at school, or on a school excursion? Or a faculty member?

Does your school have an immediate compensation plan, regardless of who’s fault it is, and regardless of which country the accident occurs?

Many international schools do not, so we’ve built this super simple product.

Student and Faculty Personal Accident Plan Feature summary

  • Worldwide cover, including on school grounds, off school grounds
  • Covers local and international school excursions
  • Covers local and international sport activities
  • Year round cover, 365 days per year, 24 hours a day
  • Mandatory enrolment for students, so 100% of students are covered
  • Optional faculty enrolment, in which case 100% of faculty will be covered

NOTE: This is a personal accident compensation plan, NOT a health insurance plan. Students and faculty should have separate health insurance.

Simple Application Sign Up

  • One simple application form per year (school completes only, so no messy contracts or forms for teachers or parents)
  • One payment per year* direct from school to the insurer

*unless the school grows drastically

We removed the complicated stuff

  • No need for faculty to fill out complicated application forms for every excursion
  • No need for complicated weekly or monthly census management by admin
  • No need for student or faculty details to be submitted

Who is the policy for: 

This policy is tailored-made for international schools, who want a compensation plan in case of accidental disablement  or death of a student or faculty member, regardless of who’s fault it is (regardless of whether the school is liable or not), and regardless of where the accident occurs globally (on or off school grounds). 

Summary of Coverage

BenefitsOption 1Option 2Comments
Geographical Cover / Operative Time24 hours Worldwide24 hours WorldwideExcept Sanctions countries
Mandatory Cover or Voluntary CoverMandatoryMandatory
Accidental Death Compensation Pay OutUS$50,000US$200,000
Accidental Permanent Disability Compensation Pay OutUS$50,000US$200,000*Subject to Disability Scale below
Funeral ExpensesUS$10,000US$10,000On top of Accidental Death
AD due to Public ConveyanceUS$10,000US$10,000On top of Accidental Death
AD due to Natural DisastersUS$10,000US$10,000On Top of Accidental Death
Fracture and BurnsUS$5,000US$5,000*Subject to Disability Scale below
Repatriation of Mortal RemainsUS$10,000US$10,000
Daily Hospital Cash due to Accidental InjuryUS$50 per day US$50 per dayMax. 60 days
Trauma CounsellingUS$3,000US$3,000
Premium Per Student / Faculty memberUS$40US$ TBC
Annual Premium Example: 1,200 Students, 150 faculty (1,350 members)US$54,000 / yearUS$ TBCAnnual Rate

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My International School already has liability cover, do we need this?

Your school may already buy:

  • Public liability cover
  • Commercial general liability cover? 
  • Employers liability?

Here’s a number of critical variables to consider:

  • Accidents are often when no party is at fault – meaning no one is liable. If there is an accident, and the school is not at fault, then likely the the liability covers will not work.
  • What if the accident occurs on an international excursion? Most liability policies are domestic cover only.
  • Are students and faculty considered third parties (meaning public)? If not, students will not be covered on a public liability policy.
  • Often schools are buying the cover locally (not an international product), and these policies are generally designed for domestic schools and organizations, under domestic laws.

Lastly, and perhaps most critically, liability claims are very slow to process, often needing 6 months or more to go through the local courts for a decision.

Is this how your school wants to react in such difficult circumstances?

This policy is for leadership teams who’d rather have an immediate compensation plan, regardless of who’s fault it is, and regardless of which country the accident occurs.

Want to buy this product, or learn more?

Please get in touch by emailing us at [email protected] or scheduling a meeting here: 

Disability Scale:

ItemEventPercentage of Sum Insured payable
1Accidental death100%
2Permanent total disablement150%
3Permanent and incurable paralysis of both lower limbs and part or whole of the lower half of the body (paraplegia)160%
4Permanent and incurable paralysis of all limbs (quadriplegia)150%
5Permanent loss of limbs – two or more150%
6Permanent loss of limb – one limb125%
7Permanent loss of sight of both eyes150%
8Permanent loss of sight of one eye100%
9Permanent loss of the lens of one eye75%
10Permanent loss of hearing 
both ears100%
one ear30%
11Permanent loss of speech75%
13Permanent loss of one thumb 
both joints40%
one joint25%
14Permanent loss of each finger 
three joints20%
two joints15%
one joint10%
15Permanent loss of each toe 
all – one foot25%
big Toe – one or both joints10%
other than big Toe, each Toe2%
16Permanent loss of kidney25%
17Permanent loss of spleen20%
18Permanent disablements not specified in items 2 to 23 aboveUp to 100% as computed in accordance with Section A3 below.

About the insurer

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Aggregate risks

What happens if there is an accident where multiple injuries occur, such as a bus accident? Are there any annual aggregate limits on the plan (meaning an annual policy maximum pay out)?

How to make a claim