Insurance: Children at school: what is covered? | News

Every school-age child is covered by statutory accident insurance. It is a branch of social insurance based on Book 7 of the Social Code (SGB VII). Statutory insurance against accidents is compulsory and has the primary task of preventing insurable events, restoring the health of the insured and, if necessary, equalizing it.

For school-age children, this means that (almost) all school-related accidents are covered by statutory accident insurance. This can include a fight during the break, a bicycle accident on the way to school, broken glasses, and even an upset stomach after eating food from the cafeteria. After all, it is often necessary to decide on a case-by-case basis whether statutory accident insurance applies or whether it is necessary to resort to private liability insurance.

However, there are, of course, a number of conditions that must be met in order to be able to benefit from the comprehensive protection provided by statutory accident insurance: treatment, social and work participation benefits, payment of an emergency pension, and no contribution to all of these Services.

Insurance for all school events

The statutory accident insurance cover generally applies to all officially approved school events. This includes on-site lessons, outdoor or pool physical education lessons, summer festivals, school trips, theater performances and so on. This does not include tutoring or doing homework.

It is important that only participation in the event (and the path to it) is insured. If there is a private activity taking place during this time, such as eating or sleeping on a school trip, the student is not insured for that time.

And: “School authorities, teachers and students […] are generally exempt from civil liability, ‘writes the Federal Ministry of Labor and Social Affairs in the brochure. The exceptions, however, are cases of liability on the way to school and willful acts. If a child intentionally destroys another child’s property, statutory accident insurance does not apply. In such cases, children should definitely be covered by parental family liability insurance.

The most direct way to school

Statutory accident insurance already applies on the way to school or to school events – under several conditions. Students should always choose the most direct route to school. If a long detour is made for fun or you stop by a bakery for a while, your insurance coverage will no longer apply.

The most direct route to school should of course be as safe as possible and therefore even slight deviations from the most direct route are tolerated. If especially young schoolchildren take the route on their own, the insurance company is also tolerant – after all, they are probably not yet able to judge the shortest route well or are easily distracted. The protection may therefore still be operational if, for example, you missed the bus or the right stop.

In addition, deviations are tolerated if, for example, there is a community (it does not matter if only among students or with parents in the car).

A clear reference to the school event is necessary

Your child must sleep during the class trip and eat during the lunch break, but is not covered by the statutory accident insurance during this time. At least most often – because the primary condition for the creation of statutory insurance protection against accidents is that the accident (or damage) occurred as a result of a school event. If this can no longer be proved, the insurance will not apply.

For example, if a child choked on a (actually “private”) meal in a cafeteria because it could be proved that it was distracted by the principal’s announcement (and therefore a school matter) and suffered a loss as a result, the insurance will still apply. The same is true if the teacher instructs the child during the lesson to get something usually private, such as sweets for the whole class, and the child gets hurt along the way.

A quarrel between two students in the school yard is also insured if the cause is clearly related to the school.

By the way: Activities that are actually prohibited by house rules are also covered by the statutory accident insurance. This includes the popular snowball throwing, for example.

A special case of property damage

Damage to property is a special case – because it is only accepted in very few cases. For example, glasses that break during physical education classes will only be replaced if they were worn during the accident. If it has been damaged while lying on the bench, the insurance cover will not apply. If the damage was caused by another child, it makes sense to contact your insurance company.

Other items, such as bicycles or private instruments, are not covered by the statutory accident insurance. For this purpose, you can purchase additional private student insurance. However, some schools also offer school insurance options – so it makes sense to ask the school if school authorities offer arrangements before purchasing private instrument insurance, which may be more expensive.

Of course, there are also many additional insurance policies for students. If it makes sense to take out such insurance, in addition to private liability and health insurance, it may cover those areas of your child’s daily school life that are not covered by statutory accident insurance.

Editors of

Image sources: New Africa /, ollyy /

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