School Insurance

What is a School Insurance?

The purpose of a School Insurance scheme or coverage is to cover pupils and students against the risk of school accidents which they may suffer inside schools or during the time they are under the effective supervision of the school employees.

The regulations in force require schools to insure all their pupils against the risk of school accidents.

What does the School Insurance Contract Cover ?

The School Insurance contract covers in particular :

Under the "Civil Liability" Guarantee :

the pecuniary consequences of the civil liability that may fall on the school and/or the insured pupils/students, by virtue of articles 78, 85, 85 bis, 86, 88 and 89 of the dahir forming the code of obligations and contracts, due to bodily injury and material damage caused to third parties and bodily injury caused to pupils/students

with an additional premium, the "Civil Liability" guarantee can be extended to the following guarantees:

• "Food poisoning": to cover the pecuniary consequences of the civil liability that may fall on the school due to bodily injury resulting from food poisoning or poisoning caused by food products prepared and/or supplied by the school or due to the accidental presence of a foreign body in the said food.
• "Civil liability for fire, explosion and water damage": to cover the pecuniary consequences of the civil liability that may fall on the insured school due to material damage resulting from fire, explosion or the direct or indirect action of water.
• "Defence": defending the interests of the insured school in the event of proceedings brought against it following insured damage, before the criminal, civil, commercial or administrative courts.
• "Appeal": to claim amicably or in court compensation from the person responsible for the damage or their (his/her) Insurer for the loss suffered by the insured school.

Under the "Individual Accidents" cover :

the payment of the indemnities stipulated below to the benefit of pupils/students or their legal guardians:

• Accidental Death: In the event of the death of the insured pupil/student, the Insurer guarantees the payment of the capital provided for in the contract, if this death occurs either immediately or within one year of the date of the accident when the death is consecutive to the accident.
• Permanent Disability: In the event of permanent disability following an Insured accident, and as soon as the injuries are consolidated, the Insurer guarantees the payment to the insured pupil/student of the sum corresponding to the insured capital multiplied by the rate of disability (assessed according to the scale annexed to the contract).
• Medical, Pharmaceutical and Hospitalisation Expenses: the Insurer guarantees to reimburse the Insured for medical, pharmaceutical and hospitalisation expenses incurred following injuries caused by an insured accident.

With an additional premium, the "Individual Accident" coverage can be extended to the following guarantees:

• Hearing Aids and Orthopaedic Prostheses: The Insurer guarantees the reimbursement of the costs of hearing aids and orthopaedic prostheses, following a covered bodily injury suffered by the insured.
• Search and Rescue: The Insurer guarantees the reimbursement of costs related to the search and rescue of a pupil/student in the event of an accident occurring during trips and stays carried out in the context of school activities.

Rights and Obligations of the Policyholder?

We invite you to refer to the "Insurance Guide" published on the ACAPS portal.

What does the Authority do?

Within the framework of the powers vested in it by Law No. 64-12 establishing the Insurance and Social Security Supervisory Authority, the latter institution ensures that any and all insurance products offered to consumers are understandable, balanced, useful and that they comply with the regulations in force. It also shall monitor the reliability of the information provided to policyholders and ensure the fair treatment of policyholders by Insurers.

Legal/Judicial Remedies in Case of Dispute with Your Insurer?

In accordance with Article 7 of Law No. 64-12, the Insurance and Social Security Supervisory Authority has the power to investigate complaints from customers of insurance companies and the intermediaries (brokers) thereof. Nevertheless, it is recommended that you first contact the broker or Insurer against whom your complaint is directed. If the dispute persists after this step, you can contact ACAPS by one of the means at your disposal. The Authority shall then examine your complaint and take the most appropriate action, in accordance with the legal and regulatory provisions and within the scope of its powers, to settle the dispute.