Student Personal Accident Insurance Plan from US$40 / student / year. Worldwide 365/24/7 cover. Tailor-made for international schools.
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?
While a school may not be liable to pay compensation for an accident, there will be an expectation from the wider school community that the school does pay compensation.
Most international schools do not have a compensation plan, so we’ve built this super simple product with an A+ rated global reinsurer.
Purpose of Cover
A prompt compensation payment in the event of accidental death or accidental disability, regardless of who is at fault, or what country the accident occurs.
Scope of Cover
If, during the policy period, an insured person sustains an injury, which within twelve (12) months of the date of the accident directly results in death or a disablement, the insurer will pay compensation according to the Table of Benefits.
NOTE: This is a personal accident compensation plan, NOT a health insurance plan. Students should have their own personal health insurance.
Student Accidental Death and Permanent Disability Insurance Feature Summary*
- Year round cover, 365 days per year, 24 hours a day
- Worldwide cover**, including on school grounds, off school grounds
- Covers school excursions – local and international
- Covers sport activities – local and international
- Covers 100% of students
- Simple once per year application process.
- Optional faculty enrolment (maximum age for enrolment into this scheme will be 65 years old)
Summary of Compensation Benefits *
| Premiums | Option 1 | Option 2 | Notes |
| Premium Per Student | US$40 / Year | US$60 / Year | Minimum Premium of $10,000 |
| Benefit Summary | |||
| Accidental Death | US$50,000 | US$100,000 | Compensation pay-out |
| Accidental Permanent Disability | US$50,000 | US$100,000 | Compensation pay-out subject to scale * |
| Funeral Expenses | $10,000 | $20,000 | On top of Accidental Death |
| Medical Expenses | Not included | Not included | Not health insurance |
| Cover Summary | |||
| Geographical Cover | Worldwide | Worldwide | ** Except sanctioned countries |
| Operative Time | 24 hours / day | 24 hours / day | Year round cover (365 days) |
Does My International School Need This? We Already Have Liability Cover
Your school may already buy:
- Public liability cover
- Commercial general liability cover
- Employers liability cover
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, often meaning claims are very infrequent, and thus no compensation is paid for accidents.
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 liability 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.
Simple Application Sign Up
- One simple application form and payment per year (school completes only, so no messy contracts or forms for teachers or parents).
- One reconciliation payment per year.
We Removed the Hassle
- No need for faculty to fill out complicated application forms for every excursion.
- No need for faculty to fill out complicated application forms for every sporting event.
- No need for complicated weekly or monthly census management by admin.
Full Terms & Conditions
Complete the form below to have the full policy terms and conditions emailed to you:
Questions, or want to enquire about buying this product?
Please get in touch by emailing us at [email protected] or scheduling a meeting here:
Additional Information/Q&A
About the Reinsurer
Reinsurance is provided by an A + rated global insurer that serves customers in 100+ countries and are a global leader in underwriting. Download the brochure to learn more about the reinsurer.
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)?
The Aggregate Limit of Liability as set out in the policy is $2,000,000.
If a claim or series of claims exceeds this limit, the insurer will pay the limit shown on the policy schedule or reduce each payable claim proportionately until the combined total does not exceed the applicable limit shown on the policy schedule.
Are There any Limitations of Where We Can Buy This Plan?**
This is not available to schools based in sanctioned countries, nor are students covered in sanctioned countries.
Not currently available to schools based in PR China, however please get in touch if interested and we can speed up the process for making available in China.
How to Make a Claim
Claims are easily submitted online through the insurer’s Web Portal, using standard medical documentation.
Click here to request the full terms and conditions around claiming.
Does the Plan Cover Dangerous or Extreme Excursions and Sporting Events?
No.
Standard sporting events and school excursions are covered.
However, if your school is taking part in non-standard excursions and sporting events that may be considered extreme or dangerous, we encourage you to contact us to confirm coverage. Good examples of when to get in touch:
- parachuting
- ski diving
- mountaineering or trips to high altitude locations, such as Everest base camp
Who is the Plan 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 whose 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).
Partial Disability Scale
This is a partial disability scale. Full details are available in the insurer’s policy terms and conditions.
| Item | Event | Percentage of Sum Insured payable |
| 1 | Accidental death | 100% |
| 2 | Permanent total disablement | 100% |
| 3 | Permanent and incurable paralysis of both lower limbs and part or whole of the lower half of the body (paraplegia) | 100% |
| 4 | Permanent and incurable paralysis of all limbs (quadriplegia) | 100% |
| 5 | Permanent loss of limbs – two or more | 100% |
| 6 | Permanent loss of limb – one limb | 100% |
| 7 | Permanent loss of sight of both eyes | 100% |
| 8 | Permanent loss of sight of one eye | 100% |
| 9 | Permanent loss of the lens of one eye | 75% |
| 10 | Permanent loss of hearing | |
| both ears | 100% | |
| one ear | 30% | |
| 11 | Permanent loss of speech | 75% |
Questions?
Click below to schedule a Zoom meeting with our team. We can advise how to implement this plan for your school.
E&OE
*IMPORTANT This information is only intended to be a general reference and comparison purposes, and cannot be guaranteed to be error-free. Each insurer provides their own official documentation through quotations, table of benefits, and terms and conditions – please use the insurer’s documents for decision making. There are sub limits to the benefits which are not noted herein – please see the insurers table of benefits and quotes for full details.
All details are subject to change and updates. Please see terms of use.
