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Injuries, accidents and insurance

Students studying in Tampere are insured by the City of Tampere with group insurance provided by the company If Vakuutusyhtiö. The insurance covers two areas: accidents that occur during school time and student’s’ travel insurance.

Insurance against the accidents covers the student for accidents that occur when participating in lessons on the school premises, during breaks, PE lessons and during activities which are organized according to the curriculum, as well as during journeys to and from such activities. During free periods the insurance covers the student only if the student is on the school premises.

In case of an accident, an ambulance or a taxi (if there is no other means of transport available) is called depending on the seriousness of the event. Taxi cards are available at the school office. Paramedics will know where the right place for treatment is. If students go to a doctor by themselves, they can use public or private health care services.

Accidents must be reported in cooperation with the school secretary as soon as possible. The student will receive an insurance number which will allow the student or guardian to proceed with the insurance company. All the costs caused by accidents are paid first by the student, and these costs are then reclaimed from the insurance company with a relevant receipt. The Kela claim must be made first.

Travel insurance is valid during school trips under one month abroad which are arranged according to the curriculum. The insurance covers both accidents and sudden illnesses and includes costs caused by a sudden termination of the trip, cancellation, delays and extra transportation costs back home. Baggage is not covered. In a case of an accident, the insurance company can provide help in finding a suitable place for treatment.

Accidents, along with key details, must be reported to the school secretary as soon as possible after the trip. The student will receive an insurance number which will allow the student of guardian to proceed with the insurance company. All the costs caused by the accidents are paid first by the student and these costs are then reclaimed from the insurance company with relevant receipt. The Kela claim must be made first.

In case of transport accidents (liikennetapaturma) compensation should be applied for from the transport insurance.