Personal Accident Insurance
Last updated: June 6th, 2023
Personal Accident Insurance(sub-section under ‘State indemnity/School Insurance)
Personal Accident insurance is a no fault compensation scheme which provides cover for accidental injuries. Personal accident insurance is cover that is taken out by parents, usually through a scheme managed by the school, which for a small premium covers certain up front medical costs in the event of an accidental injury sustained by their child. Personal accident insurance is not covered by State Indemnity but the SCA recommends that all students avail of this cover.
This cover is particularly useful in the school sector, due to the numerous student accidents which are accidental and/or where no fault occurred e.g. sports accidents, falls in school yard etc. The cover can also be for just "school activities" or "24 hour" cover depending on the insurance provider and the policy option selected. Community and Comprehensive Schools should ensure that the personal accident insurance cover extends to cover all school related activities including work experience placements, school tours etc.