Schoolchild Insurance

Schoolchild Insurance provides compensation when a student is injured, suffers harm to their health, or requires initial medical assistance as a result of an accident. In more severe situations, such as accidental death, 100% of the insured amount is paid to the designated beneficiaries. As the insurance covers students studying both domestically and abroad, compensation is issued strictly based on the accident and medical assistance conditions specified in the policy terms.
 

To receive an insurance payout, official documents confirming the incident are generally required. These may include an accident report, initial medical treatment documentation from a healthcare institution, receipts for expenses, and additional medical opinions if necessary. In cases involving death or severe injury, official protocols and reports issued by the relevant state authorities may also be required. Once the documents are submitted to the insurance company, the case is evaluated and the payment is processed accordingly.

Students between the ages of 5 and 17 are eligible for Schoolchild Insurance. The policy may be obtained by a parent, legal guardian, adoptive parent, or custodian. As the service covers students studying both domestically and abroad, it applies to all children within the specified age range.

Yes, Schoolchild Insurance can be purchased at any time of the year. There is no specific season or limited period for obtaining the policy, meaning a parent or guardian may apply whenever they wish. The policy becomes effective from the date of issuance and provides coverage for a full year.

Yes, Schoolchild Insurance may provide compensation even if the accident occurs outside of school. Coverage is not limited to incidents that happen on school premises; the essential condition is that the accident occurs during the policy period and in accordance with the insurance terms. Once the incident is verified, the relevant medical expenses or other eligible insurance payments are provided.
 

Yes, children who travel abroad for educational purposes are also covered by Schoolchild Insurance. The policy is designed to protect students aged 5–17 studying both domestically and internationally. If an accident or a situation requiring medical assistance occurs while the child is studying abroad, compensation is provided as long as the incident meets the insurance policy terms.
 

The insurance sum and limits are determined based on the selected package. In most cases, Schoolchild Insurance offers an overall coverage amount ranging between 2,500 and 5,000 AZN, which represents the maximum payout in the event of an accident. A separate sub-limit is applied for initial medical assistance, typically between 200 and 400 AZN. When purchasing the policy, the parent or guardian may choose the desired coverage range to ensure an appropriate level of protection for the child.
 

Yes, Schoolchild Insurance provides full compensation in the event of accidental death. In such cases, 100% of the insured amount is paid to the child’s legal heir. The payout amount varies depending on the selected package, typically within the range of 2,500–5,000 AZN, and the process is completed based on official documentation.
 

The insurance payout is processed once all required documents have been fully submitted and the incident has been verified in accordance with the policy terms. The evaluation process typically does not take long and is generally completed within a few business days. When all documents are accurate and complete, the payout is finalized more quickly.
 

Yes, it is possible to purchase multiple insurance policies for the same child. There is no restriction; however, it is important to note that each insurance company provides compensation only within the limits and terms stated in its own policy. Therefore, parents may obtain multiple policies simultaneously if they wish to secure additional coverage.