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The School


Schools as learning institutions are exposed to diverse risks. Any of these risks can strike even when vaguely expected.

Instead of selectively covering those areas which seem more likely at risk, the School Package is a comprehensive cover which encompasses those risks associated with learning institutions including the policies that are compulsory by Law.


  • Students Personal Accident: This cover is aimed at covering students for accidental injuries including death arising out of an accident when the student is in or out of school.
  • Accidental injury and work illness: This section provides cover to school employees for both occupational injuries and diseases contacted in the course of their employment and for connected purposes. This cover has further been extended to provide for 24hrs accidental injuries and death.
  • School property section: This is aimed to provide a comprehensive cover to school buildings and contents as well as money risks for damage caused by fire, theft or attempted theft, accidental damage, fraud by own employees, loss of money in school premises and transit of school money in the hands of authorized employees.
  • Medical Insurance: This cover is specifically for teaching staff in a learning institution which has been designed to cater for their Inpatient medical expenses.
  • Motor Insurance section: It provides a comprehensive cover for school buses, staff vans and other vehicles whether private or commercial registered in the name of the institution.

A purchase of cover for three or more sections qualifies for a 10% discount on the total premiums payable.


  • Personal Accident/Accidental Injury and Work illness
  • Death Benefit: Payable to beneficiaries in the event the insured dies due to the injury.
  • Temporary Total/Partial Disablement Benefit: Given to Employees who suffer Temporary Total Disablement that incapacitates him/her for three or more days.
  • Medical Expenses Benefit: Employee is compensated for any expenses reasonably incurred in an accident and covers dental, hospital treatment, surgical dressings, drugs, skilled nursing services, traveling and subsistence as well as supply, maintenance and replacement of artificial limbs, clutches and others.
  • Funeral Expenses Benefit: Payment of reasonable sum to cover for funeral expenses.
  • Dental and optical expenses upto a specified limit.
  • School property cover
  • Theft cover for school property/equipment and money in a safe.
  • Loss of and/or damage of property resulting from fire, lightning, earthquake, flood, storm, impact with moving objects, aircraft damage, riots, strikes and malicious damage and water damage.
  • Liability for injury to third parties and damage to their property
  • Medical Insurance (Teaching staff)
  • Inpatient medical expenses
  • Cover for medical expenses incurred for declared chronic, pre-existing and HIV/AIDS conditions
  • 1st emergency caesarean section
  • Dental and optical expenses upto a specified limit.
  • Accidental death and last expense benefits can be extended on the cover
  • Motor Insurance
  • Own  damage to school vehicle(s) in case of accident
  • Theft of the vehicle
  • Motor starters extensions
  • Accidental fire damage to the vehicle
  • Third party property damage
  • Third party bodily injuries
  • Passenger legal liabilities for passengers when the school bus is on private hire with prior notice done and approved by the Insurer.
  • Loss or damage to the accessories if declared at inception of the cover
  • Legal expenses incurred with prior consent of insurers

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