NNW Szkolne from Compensa - protecting students in and out of school

School accident insurance is a personal accident insurance that was developed in cooperation with educational institutions, so it is tailored to the needs of both students and employees of the institution. The insurance provides a benefit payment in the event of an accident resulting in bodily injury or death of the insured.

Coverage includes accidents that the insured may suffer on the way to/from the educational institution, during classroom activities and in private life - including weekends, vacations and vacations. Provide your child with round-the-clock protection for 12 months around the world.

NNW School - school insurance for children

NNW at Compensa is universal protection in and out of school!

Broad coverage and the ability to tailor coverage to the needs of students and the preferences of the educational institution.
Payment of a benefit for each mishap, even if no permanent injury has been declared.
Bite, bite, sting, and plastic surgery reimbursement in basic coverage.
The possibility of extending coverage to include liability insurance for the facility's director, teachers and employed staff.
24/7 protection for 12 months - at school, at home, on vacation and abroad.
„Child on the Web” - Remote IT assistance, legal advice and psychological support in cyberbullying situations.
Individual or group option - you can insure one child or all children under one contract.

School accident insurance coverage from Compensa

School accident insurance from Compensa pays financial benefits after an accident and reimburses medical and rehabilitation expenses. The coverage operates worldwide, 24/7 for a full year (12 months from the start of the policy). Here are the key elements of the coverage:

Insurance coverage includes the following events:

Death due to an accident: Beneficiary benefit - PLN 60,000 / 80,000 / 80,000 (Basic/Midi/Maxi).
Death due to NW in a means of transportation or acts of sabotage and terror: Additional benefit in case of traffic accident or assassination.
Permanent impairment due to NW: Benefit proportional to the degree of damage - the amount up to PLN 30,000 / 50,000 / 80,000.
Permanent damage to health due to acts of sabotage and terror: Protection also in case of terrorist events.
Bite, bite or sting: A one-time benefit in the event of an animal bite or bite.
NW without permanent damage: A one-time benefit for the occurrence of NW, even when no permanent injury has been declared.
Plastic surgery reimbursement: Covering the cost of plastic surgery required as a result of an accident.
Medical costs after NW: reimbursement of medical expenses up to the limit of PLN 2,500 / 3,000 / 4,000.
Hospital stay after NW: Daily hospital benefit of PLN 30 / 50 / 50 for each day of hospitalization.
„Child on the Web” (Compensa iMe Kids Secure): Remote IT assistance, legal advice and psychological support in cyberbullying situations.

Individual variants and premium

For individual customers, there are three variants of NNW School with different coverage:
Basic - 98 zł (amount of bodily injury: PLN 30,000)
Midi - PLN 165 (amount of bodily injury: PLN 50,000)
Maxi - 233 zł (amount of bodily injury: PLN 80,000)
Premium paid once for 12 months of coverage. Coverage and benefit amounts increase with variant.

Group NNW School variants - table of benefits

You can choose from three options. You can insure one child - an individual policy - or all children under one contract - a group policy. Below are the benefit totals for the group variants:

Scope / Variant	A (PLN 43/year)	B (PLN 59/year)	C (£79/year)
Death due to an accident	PLN 20,000	PLN 28,000	PLN 30,000
Death due to NW in a means of transportation or acts of sabotage and terror	PLN 10,000	PLN 14,000	PLN 15,000
Permanent health impairment due to NW	PLN 10,000	PLN 14,000	PLN 15,000
Permanent damage to health due to acts of sabotage and terror	PLN 5,000	PLN 7,000	PLN 7,500
One-time benefit for a bite, bite or sting	200 zł	200 zł	200 zł
One-time NW benefit (no permanent impairment)	150 zł	210 zł	225 zł
Reimbursement of the cost of tutoring necessary following NW	400 zł	400 zł	400 zł
Reimbursement of the cost of plastic surgery necessary as a result of NW	PLN 4,000	PLN 5,600	PLN 6,000
Reimbursement of medical expenses	PLN 4,000	PLN 5,600	PLN 6,000
One-time benefit for hospital treatment due to NW	PLN 1,000	PLN 1,400	PLN 1,500
One-time benefit for a serious illness	PLN 1,000	PLN 1,000	PLN 1,000
Reimbursement of rehabilitation costs	PLN 4,000	PLN 5,600	PLN 6,000
Reimbursement for repairing/renting/acquiring special measures or damage to medical equipment	PLN 4,000 (max. PLN 500 med. equipment).	PLN 5,600 (max. PLN 500 med. equipment).	6,000 PLN (max. 500 PLN med. equipment).
Daily hospital benefit due to illness	10 zloty/day	10 zloty/day	10 zloty/day
One-time benefit in case of death of legal guardian due to NW	PLN 1,500	PLN 1,500	PLN 1,500
Compensa iMe - iMe Kids Secure Insurance	1 application	1 application	1 application
Annual fee for 1 person	43 zł	59 zł	79 zł

Extension of coverage - additional clauses

School accident insurance can be extended with numerous additional clauses, according to the needs and preferences of the educational institution:

Reimbursement of medical expenses: Coverage of medical expenses incurred as a result of an accident.
Daily hospital benefit: benefit for each day of hospitalization related to the accident.
One-time hospital treatment benefit: One-time payment in case of hospitalization due to NW.
Serious Illness: A one-time benefit for a serious illness from one of the diseases listed in the T&Cs.
Daily Allowance: Benefit for short-term inability to study or work that occurred due to NW.
Reimbursement of rehabilitation costs: Financing of rehabilitation incurred as a result of an accident.
Special Measures: reimbursement of the cost of repair, rental or purchase of orthopedic and auxiliary aids in connection with NW.
Vocational retraining: reimbursement of retraining costs for a disabled person injured in an NW.
Reimbursement of funeral expenses for the caregiver: reimbursement of funeral expenses in the event of the death of the insured's legal guardian.
Death of a legal guardian as a result of NW: A one-time benefit for the death of the insured's legal guardian due to NW.
Additional month of insurance: Extension of the protection period for an additional month.
Liability of the director of an educational institution: Civil liability of the director for damages caused in connection with his function.
Liability of personnel of the educational institution: Civil liability of teachers and employees for damage caused to third parties.
Responsibility for property in the locker room: Protection of property entrusted for safekeeping to the checkroom of an educational institution.
Mass catering liability: Civil liability for the operation of mass catering in an educational institution.

Premium and method of payment

The premium for the school's NNW is paid. one time For the entire year of protection. The price is affected by the selected variant and the scope of additional benefits. Two modes of insurance are available:

Individual policy: Basic - PLN 98, Midi - PLN 165, Maxi - PLN 233 per year. Coverage and benefit amounts increase with the variant. Ideal if you want to insure one child with individually tailored coverage.

Group policy (for educational institutions): Variant A - PLN 43, Variant B - PLN 59, Variant C - PLN 79 per person per year. More favorable prices thanks to a group contract - you can insure all your children under one policy.

For details and tailored protection, contact your Polisarium advisor.

How do I buy school accident insurance?

Select Basic/Midi/Maxi (individual) or A/B/C (group) variant and protection start date.
Enter the child's and guardian's details and email address for the policy.
Read the T&Cs and accept the required consents.
Pay your premium online - the policy will arrive by email.
The protection works 24/7 for 12 months from the date indicated.

Key exclusions of liability

For a complete list, see the product's T&C. Below are selected cases where the benefit is not available:

An event caused intentionally or through gross negligence.
An incident under the influence of alcohol, drugs or psychoactive substances.
Accidents during competitive or professional sports (unless otherwise specified in the policy).
Participation in fights, crimes, and knowingly endangering oneself.

Frequently asked questions about NNW School

Does the NNW School policy work outside of school?

Yes. Coverage extends to events in and out of school - including weekends, vacations and vacations, all over the world. The insurance is effective 24/7 for 12 months from the date indicated on the policy.

For how long is the NNW School contract concluded?

Standard coverage is for 12 months. Coverage starts on the date indicated on the policy - it can be purchased at any time of the year, not just in September.

Is the school's NNW mandatory?

No. School accident insurance is voluntary coverage, but recommended because of frequent injuries and medical costs. The school cannot require parents to purchase a specific policy, but can facilitate a group contract.

Does the school accident policy cover sports?

School and recreational activities are covered under standard coverage. Competitive or professional sports usually require an extension or are excluded from coverage.

Is it possible to pay the premium in installments?

No, the premium for NNW School is paid once for the entire period of coverage - both in the individual and group variants.

How do I file a claim with NNW School?

Gather documentation (e.g., treatment information sheet, medical certificate), complete the application and submit the application according to the instructions from the policy. You can submit the application online or by phone.

How is an individual policy different from a group policy?

An individual policy (Basic/Midi/Maxi) allows you to insure one child with individually tailored coverage. A group policy (variants A/B/C) is taken out by an educational institution for all students under one contract - it offers more favorable premiums.

Additional information - downloadable documents

To learn more about the full range of NNW School insurance, we encourage you to read the general terms and conditions and other documents:

Why should you choose NNW School from Compensa?

School accident insurance from Compensa is flexible insurance designed for students and educational institutions. It protects children during class, on the way to school and at leisure - all year round, all over the world. Benefits are paid out even without an adjudicated permanent injury. With bites, bites and plastic surgery covered under basic coverage, the insurance responds to the real needs of parents and children.

The group variant allows schools to cover all students at favorable prices (starting from as little as PLN 43/year), while the individual variant allows coverage to be tailored to the needs of a particular child. 15 additional clauses, among them Principal's and Staff's Liability, checkroom property liability and group nutrition, make NNW Szkolne a comprehensive solution for the entire school community.

NNW School