Accidents

The children are insured against accidents during actual early childhood education and school hours, as well as during trips directly related to the operational units, for example on the way from home to an early childhood education place or school.

The insurance also covers play activities, school children's afternoon activities and other activities according to the school's academic year plan, such as e.g. camp schools and spring trips in Finland and abroad. However, the insurance does not cover expenses caused by illness or luggage. The insurance does not apply to activities according to the Finnish hobby model or trips related to hobbies.

Statutory insurance is valid during the students' practical training (tet periods, manual skills subjects, laboratory work).

Instructions in the event of an accident:

• The accident must be reported to the nurse/class teacher/class supervisor.
• The child must be referred to public or private healthcare: a school nurse, a health or medical center, a central hospital or a dental clinic, depending on the nature and severity of the accident.
• Processing of damage compensation requires filling out a damage report (the form can be obtained from the child's early childhood education unit/school).
• If expenses arise from treating the accident, the guardian pays the expenses themselves and attaches the paid invoice and receipt to the damage report. The guardian fills in the information at the bottom of the damage report:
  • Travel expenses related to treatment,
  • Compensation recipient (to be filled in by guardian if applying for compensation), account number
• The damage report is completed by the caregiver/teacher and the child's guardians. 
• The early childhood education center/school submits the damage report to welfare services. 
• Welfare services send a notification to the insurance company
• The insurance company makes the decision