Insurance
OIS students are insured by IF insurance company during school times including P.E. lessons, educational visits etc. and during the trip between home and school. All injuries occurred during these times are reported reported to staff member who is present in the situation. Treatment for injuries which happen at school or on journeys between home and school is free of charge.
Our insurance does not cover accidents which happen during school days if the student is outside school premises without permission. Therefore, students and parents are expected to understand that leaving the school premises e.g. during breaks or lunchtime without notice is strictly forbidden.
It is the responsibility of the parents to seek treatment for injuries occurred after school hours (e.g. sports training). These injuries are usually covered by the sports associations' licences. The school´s insurance does not cover the expenses if the injury occurred outside school time.
If the services of a private GP are required because of an injury which occurred at school, parents should pay the doctor's bill first and then claim compensation from insurance company IF. Parents will no longer get a document from school. Please refer to these instructions as to how to claim compensation from IF. Instructions can also be found in Finnish.
Insurance guidelines in case of accident
Insurance guidelines (In English and Finnish)
As of the beginning of 2024, the If insurance company's accident insurance certificate will no longer be used.
With the abolition of the insurance certificate, other options have been explored to ensure free treatment of accidents under 34 § of the Basic Education Act.
The accident insurance guidelines have been updated and there are now two options for parents to cover the costs of a Basic Education student's accident at school:
- the guardian pays the costs of treatment and claim directly from the insurance company
OR
- the guardian uses the City's guarantee of payment.
In the event of an accident, the student and/or guardian will receive an accident report from the school, which will include the billing information needed to obtain a guarantee of payment.
The new guidelines apply to students in Basic Education only. For students other than basic education, the guardian pays the costs and claims for reimbursement directly from the insurance company.
Vuoden 2024 alusta alkaen If vakuutusyhtiön tapaturmavakuutuksia koskeva vakuutustodistus poistui käytöstä.
Vakuutustodistuksen poistuttua on selvitelty muita vaihtoehtoja perusopetuslain 34 §:n mukaisen tapaturman hoidon maksuttomuuden takaamiseksi.
Tapaturmavakuutusohjeita on päivitetty ja perusopetuksen oppilaan koulutapaturman hoitokulujen osalta huoltajalla on kaksi vaihtoehtoa:
- huoltajalla on mahdollisuus maksaa itse hoitokulut ja hakea korvauksia suoraan vakuutusyhtiöltä
TAI
- huoltaja voi käyttää kaupungin maksusitoumusta.
Tapaturmatilanteissa oppilas ja/tai huoltaja saa koululta tapaturmaohjeen, joka sisältää maksusitoumusta varten tarvittavat laskutustiedot.
Uusi ohje koskettaa vain perusopetuksen oppilaita. Muiden kuin perusopetuksen oppilaiden osalta huoltajan tulee maksaa kulut itse ja hakea korvauksia suoraan vakuutusyhtiöltä.