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NNW school insurance

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School accident insurance from UNIQA - 24/7 protection worldwide

School accident insurance from UNIQA is a comprehensive protection for children and young people up to the age of 26 against the financial consequences of accidents. The policy works around the clock - at school, at home, on vacation and abroad. There is a choice of 8 packages (from XS to Maxi) with prices starting at around PLN 31 per year. Coverage includes, among other things, hospital benefits, medical and rehabilitation costs, serious illness, telemedicine consultations, and protection during competitive sports up to the age of 18.

What does the school accident insurance from UNIQA cover?

School accident insurance from UNIQA provides extensive financial protection in case of accidents, illnesses and accidents. The coverage operates worldwide, 24 hours a day, for the entire duration of the policy. Below is the full range of benefits:

  • Death due to a traffic accident: benefit from PLN 25,000 (XS) to PLN 120,000 (Maxi).
  • NW death / stroke / heart attack: benefit from PLN 20,000 to PLN 110,000 depending on the package.
  • NW death on the premises of an educational institution: increased benefit for school events.
  • NW death during a school trip: Security during organized school trips.
  • Injury due to NW: From PLN 12,000 (XS) to PLN 100,000 (Maxi).
  • Hospital stay after NW: Daily hospital benefits from PLN 25/day to PLN 130/day.
  • Hospital stay due to illness (non-NW): Daily benefit from PLN 20/day to PLN 60/day (after a minimum of 5 days of hospitalization).
  • NW Medical Reimbursement: PLN 1,000 to PLN 5,000.
  • NW rehabilitation reimbursement: PLN 600 to PLN 2,000.
  • Prostheses and aids: reimbursement from PLN 1,500 to PLN 8,000.
  • Repair or purchase of eyeglasses: Up to PLN 150 (XS) - PLN 800 (Maxi).
  • Death of a parent due to NW: A one-time benefit from PLN 2,000 to PLN 10,000.
  • Serious Illness: 13 covered diseases, benefit from PLN 1,500 to PLN 8,000.
  • Tick bite: In terms of each package.
  • Telehealth consultations: 3 consultations during the protection period.
  • A visit by a nurse / paramedic: 5 visits during the protection period.
  • Bite / viper bite / sting: hospital benefit from PLN 100 to PLN 300.
  • Reimbursement of the cost of a paid school trip: Up to PLN 1,000 in each package.
  • Competitive sports until the age of 18: covered in any package without a surcharge.

8 packages - comparison of NNW benefits from UNIQA

UNIQA offers 8 packages of school accident insurance - from the basic XS to the most extensive Maxi. All amounts are given in zlotys (PLN) and denote maximum benefit amounts. Daily rates are given in the format: rate/day (SU limit).

BenefitXSSM1M2M3LXLMaxi
Death NW traffic25 00030 00050 00055 00075 00085 000110 000120 000
NW death / stroke / heart attack20 00025 00040 00050 00070 00080 000100 000110 000
NW death - educational institution25 00030 00050 00055 00075 00085 000110 000120 000
Death NW - school trip25 00030 00050 00055 00075 00085 000110 000120 000
NW injury12 00015 00025 00030 00035 00050 00070 000100 000
NW hospital stay (rate/limit)25/dz. (2 500)30/dz. (3 600)35/dz. (4 200)40/dz. (5 400)50/dz. (6 000)60/dz. (10 000)80/dz. (10 000)130/dz. (18 000)
Non-NW hospital stay (rate/limit)20/dz. (1 000)30/dz. (1 200)30/dz. (1 200)35/dz. (1 500)35/dz. (1 500)35/dz. (2 000)50/dz. (2 000)60/dz. (2 000)
NW treatment costs1 0001 5002 0002 5002 5003 0005 0005 000
NW Rehabilitation6001 0001 0001 0002 0002 0002 0002 000
Dentures / aids1 5002 5003 0004 0004 5005 5008 0008 000
Repair / purchase of eyeglasses150250300400450550800800
Death of a NW parent2 0003 0003 5004 5005 0006 00010 00010 000
Serious illness1 5002 5003 0004 0004 5005 5008 0008 000
Tick bite✓✓✓✓✓✓✓✓
Teleconsultation3×3×3×3×3×3×3×3×
Nurse's visit5×5×5×5×5×5×5×5×
Bite/sting (hospital)100100150200200250250300
Reimbursement for a school trip1 0001 0001 0001 0001 0001 0001 0001 000
Competitive sports up to the age of 18.✓✓✓✓✓✓✓✓

The exact premium depends on the selected package and optional extensions. Prices start at about PLN 31 per year - contact your Polisarium advisor for details.

Optional protection extensions

Each package can be expanded with three additional options - regardless of the selected variant:

Internet heist (+£25, SU £15,000)

Legal protection in case of violation of a child's good name or right to privacy on the Internet (social media, forums, blogs). Includes legal assistance (legal hotline, legal representation, first instance court proceedings), support of IT specialist and psychological consultation. Emergency Center available 24/7 at +48 22 599 91 86.

Third party liability in private life (+17 PLN, SG 35,000 PLN)

Tort liability for personal injury and property damage caused to third parties. Applies to individuals from 13 to 26 years of age. Covers school activities, amateur and competitive sports, cycling, electric scooter, skateboarding and horseback riding, among others. Territorial coverage: Europe. Deductible of PLN 500 for damage to third-party electronic equipment.

Care Plus (+£5)

Medical and educational benefits package including: unlimited medical teleconsultations (internist, pediatrician, family doctor - 24/7, chat, video chat, phone), laboratory diagnostics (4 tests: morphology, glucose, general urine test), teleconsultation with a child psychologist (6 sessions of 30 min each), rehabilitation (30 physical therapy treatments in a medical facility or 6 physiotherapist visits at home) and tutoring After NW resulting in min. 7 days of absence (3 lessons of 60 min each). Medical Partner: +48 22 357 40 47.

Covered serious illnesses

School accident insurance from UNIQA covers 13 serious illnesses as defined in the T&C. If diagnosed with one of the following diseases, the insured is entitled to a single benefit:

  • COVID-19: acute infectious respiratory disease caused by SARS-CoV-2 virus, resulting in acute respiratory failure or septicemia.
  • Diabetes: A metabolic disease characterized by chronic hyperglycemia due to a defect in insulin secretion or action.
  • Invasive pneumococcal disease (IPD): Severe infections caused by pneumococci, including meningitis and pneumococcal sepsis.
  • Benign brain tumor: Non-malignant growth of tissue within the cerebrum, treated with surgery, radiosurgery or radiation therapy.
  • Renal failure: irreversible cessation of function of both kidneys requiring dialysis or transplantation.
  • Malignant neoplasm: Histopathologically confirmed disease classified according to the International Classification of Tumors (TNM).
  • Sepsis: Systemic inflammatory reaction with organ failure, including septic shock.
  • Coma: A state of unconsciousness with a Glasgow scale score ≤ 8 for min. 96 hours, with persistent neurological losses.
  • Stroke: permanent damage to brain tissue with neurological losses lasting more than 24 hours.
  • Hearing loss: Complete and irreversible hearing loss for all sounds.
  • Vision loss: Total and irreversible loss of vision in both eyes, lasting min. 6 weeks.
  • Meningitis: Primary meningitis confirmed by tests and medical records.
  • Myocardial infarction: necrosis of part of the heart muscle due to sudden interruption of blood flow through the coronary arteries.

Why school accident insurance from UNIQA?

- 8 packages to choose from - from XS to Maxi, to fit your budget and needs
- 24/7 protection around the world - at school, at home and on vacation
- Competitive sports up to age 18 included in each package
- 13 covered serious illnesses, including COVID-19 and cancer
- Doctor's teleconsultations and nurse's visits in each package
- 3 optional extensions: Internet Hejt, OC, Care Plus

How do I buy school accident insurance from UNIQA?

  • Choose the package (XS-Maxi) that suits your needs and budget.
  • Decide on extensions: Internet Hejt, Private Liability, Care Plus.
  • Enter the details of the child (first name, last name, PESEL, date of birth) and guardian.
  • Read the T&Cs and accept the required consents.
  • Pay the premium in one go - the policy will come to the email address provided.
  • Coverage begins on the date indicated on the policy and operates 24/7.

Key exclusions of liability

Below are the most important cases in which the benefit is not available (see the T&Cs for a complete list):

  • Events caused intentionally or by gross negligence of the insured.
  • The consequences of warfare, armed hostilities, riots, and willful participation in acts of terror or violence.
  • Events in a state of unconsciousness or after the use of alcohol, narcotics, psychotropic substances (if there is a causal relationship).
  • Events as a result of attempting or committing an act that fulfills the elements of a crime.
  • Consequences of high-risk sports.
  • Driving a vehicle without the required authorization or in a vehicle that is not authorized.
  • For a complete catalog of exclusions, please refer to Section 11 of the General Terms and Conditions of Insurance.

Frequently asked questions about school accident insurance

The insurance is designed for children and adolescents up to the age of 18, as well as persons aged 18-26 with the status of a pupil, student, doctoral student or listener. The coverage operates worldwide, 24 hours a day, for the entire duration of the policy.

UNIQA offers 8 packages: XS, S, M1, M2, M3, L, XL and Maxi. They differ in sums insured and benefit limits. For example, the sum for bodily injury ranges from PLN 12,000 (XS) to PLN 100,000 (Maxi), and the daily hospital benefit ranges from PLN 25 to PLN 130. The higher the package, the higher the benefits and more complete the protection.

For an additional PLN 25 you get legal protection (SU PLN 15,000) in case of violation of your child's good name or privacy on the Internet. It includes a legal hotline, legal representation with first instance court proceedings, assistance from an IT specialist and psychological consultation. The Emergency Center operates 24/7.

For PLN 17 - Tort liability with a coverage of PLN 35,000 for personal injury and property damage caused to third parties. Applies to individuals from 13 to 26 years of age. Covers school activities, apprenticeships, amateur and competitive sports, cycling, scooter, skateboarding, among others. Coverage: Europe.

For £5 - unlimited telemedicine consultations (24/7), laboratory diagnostics (4 tests), teleconsultation with a child psychologist (6 sessions), rehabilitation (30 physical therapy treatments or 6 physiotherapist visits at home) and tutoring after an NW resulting in min. 7 days of absence (3 lessons of 60 minutes each).

13 morbidities: COVID-19, diabetes, invasive pneumococcal disease, benign brain tumor, renal failure, malignant neoplasm, sepsis, coma, stroke, hearing loss, vision loss, meningitis, heart attack. Single benefit from PLN 1,500 (XS) to PLN 8,000 (Maxi).

Yes - competitive sports practice by persons under the age of 18 is covered under any package, at no additional charge. This includes sports competitions and training.

Through a Polisarium advisor or online. The premium is a one-time payment for the entire period of coverage. You can cancel the contract within 30 days of conclusion. The policy arrives at the email address provided.

Documents

For full insurance terms, definitions and exclusions, please refer to the General Terms and Conditions of the School Accident Insurance from UNIQA (approved by Board Resolution No. 1/03/06/2025 dated June 3, 2025). Contact your Polisarium advisor for full product documentation.

Why choose school accident insurance from UNIQA?

School accident insurance from UNIQA is modern protection tailored to the needs of children and teenagers. The 8 packages allow you to choose the perfect coverage for any budget - from basic XS to comprehensive Maxi with a sum of damage up to PLN 100,000. A unique advantage is the inclusion of competitive sports up to the age of 18 in each package and protection against 13 serious illnesses, including COVID-19 and cancer.

Three optional extensions - Internet Hejt (legal protection against cyberbullying), Private Liability and Care Plus (teleconsultation, rehabilitation, psychologist) - allow you to build comprehensive protection for as little as a few dozen zlotys a year. The policy operates worldwide, 24/7, and the premium is paid once. Contact a Polisarium advisor to choose the optimal package.