As an Expat living in France, you might be surprised to learn that school insurance, (assurance scolaire) isn't just a recommendation; it's a requirement! Whether your child is attending a public or private institution, having school insurance is crucial for their safety and your peace of mind.
What is School Insurance?
School insurance covers a range of potential situations that can arise during school hours, including accidents that may happen on school grounds or, during school-organized activities. This ensures that your child gets the necessary medical assistance without financial worry.
Why Do You Need It?
- Coverage for Accidents: In case of an unexpected incident, school insurance guarantees that medical expenses are covered.
- Legal Protection: It provides legal aid in case of disputes regarding accidents or events that may occur at school.
- Peace of Mind: Knowing that your child is safeguarded allows you to focus more on their education and well-being.
What to Look for in School Insurance?
Different school have different requirements. Some simply require that your child have liability protection, whereas others will insist that accident and medical coverage are also included.
If you have a home insurance policy in your name, public liability school insurance is usually included in your policy & your insurance company will be able to provide you with a certificate which confirms this to give to the school.
That said, it could be that your child’s school requires a more comprehensive policy covering medical expenses & accidents. If this is the case, then you will need to take out a seperate “assurance scolaire” policy.
When selecting a policy for your child, consider the following:
- Accident and Medical Coverage: Ensure your policy covers both minor injuries and more serious incidents.
- Liability Protection: This offers protection against claims that could arise from actions taken by your child that result in damage or injury to others.
- Extra-Curricular Activities: Check that the policy includes coverage for activities outside of normal classroom hours, such as field trips or sports events.
In Conclusion
Enrolling your child in school in France means taking an important step to safeguard their future. With the right school insurance, you can rest assured that your little one is well taken care of in case of any unforeseen events.
Don't wait until it's too late! Explore your options and find the best school insurance that fits your family's needs today!
If you wish to speak to an English speaking advisor about school insurance or, any of your insurance needs then please either give us a bell or drop us an email.
Our English speaking staff have been living in France for over 20 yrs and are available to answer any question you may have.
jill@firstassurances.com
janet@firstassurances.com
Tel: 04 79 37 16 25
