{"id":8383,"date":"2021-10-07T16:29:14","date_gmt":"2021-10-07T15:29:14","guid":{"rendered":"https:\/\/vivreauportugalconsulting.com\/?p=8383"},"modified":"2022-08-26T11:54:28","modified_gmt":"2022-08-26T10:54:28","slug":"school-insurance-in-portugal","status":"publish","type":"post","link":"https:\/\/vivreauportugalconsulting.com\/en\/assurance-scolaire-au-portugal\/","title":{"rendered":"School insurance in Portugal"},"content":{"rendered":"<p class=\"wp-block-paragraph\">School insurance in Portugal is free for all students enrolled in the compulsory education system. In the event of a school-related accident, it provides coverage and support in addition to what is offered by the national health care system.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">School insurance in Portugal<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First, let\u2019s review what is considered an accident <a href=\"https:\/\/vivreauportugalconsulting.com\/en\/the-school-system-portuguese\/\" data-type=\"post\" data-id=\"5998\">school-related<\/a>, incidents that occur at school or on the way to or from school, whether the student is walking, taking public transportation, or riding a bike.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Everything you need to know about the right to school insurance is legally set forth in Ordinance 413\/99 of June 8, 1999, which is a document that parents and teachers can consult to clarify any questions they may have about the law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, to help you protect your child or children, we have compiled all the essential information on this topic.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What do we consider to be a school accident?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The following is considered a school accident:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The incident occurred at the location and time of the school activity that resulted in the student\u2019s injury, illness, or death; ;<\/li><li>An accident resulting from an activity conducted with the consent of or under the supervision of the governing bodies of the educational institution; ;<\/li><li>An accident on the way to school or a school activity.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The School Insurance Regulations, published in <a href=\"https:\/\/dre.pt\/application\/dir\/pdf1sdip\/1999\/06\/132B00\/32213228.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">the order<\/a> The aforementioned document also includes a section containing guidelines for preventing accidents at school, namely \u00ab\u00a0<strong>information and training initiatives for students, faculty, and staff aimed at preventing or reducing the risk of school accidents; and programs initiated by regional education offices or central agencies of the Ministry of Education, which include, in particular, a comparative study of the methods used by other similar institutions, both domestic and foreign<\/strong>\" .<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"850\" height=\"514\" src=\"https:\/\/i0.wp.com\/vivreauportugalconsulting.com\/wp-content\/uploads\/2021\/10\/Lassurance-scolaire-au-Portugal.jpg?resize=850%2C514&#038;ssl=1\" alt=\"School insurance in Portugal\" class=\"wp-image-8384\" srcset=\"https:\/\/i0.wp.com\/vivreauportugalconsulting.com\/wp-content\/uploads\/2021\/10\/Lassurance-scolaire-au-Portugal.jpg?w=850&amp;ssl=1 850w, https:\/\/i0.wp.com\/vivreauportugalconsulting.com\/wp-content\/uploads\/2021\/10\/Lassurance-scolaire-au-Portugal.jpg?resize=628%2C380&amp;ssl=1 628w, https:\/\/i0.wp.com\/vivreauportugalconsulting.com\/wp-content\/uploads\/2021\/10\/Lassurance-scolaire-au-Portugal.jpg?resize=275%2C166&amp;ssl=1 275w\" sizes=\"(max-width: 850px) 100vw, 850px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">School Insurance in Portugal: What Is It, and How Does It Work?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">School insurance in Portugal provides a regulated set of protections for all students and was created to ensure adequate coverage for damages resulting from potential accidents that occur in a school setting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This support is an essential educational supplement provided to students by their regional education authorities to address situations not covered by the National Health System (SNS).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How much does it cost?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">There is no cost to students for attending preschool and compulsory education. It is also free for students with disabilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For other students, the insurance premium is set at 1 % of the national minimum wage and is paid at the time of enrollment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who and what activities are covered?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Children who are enrolled in and attend public kindergartens; ;<\/li><li>Students at private and cooperative educational institutions operating under an association agreement; ;<\/li><li>Students enrolled in formal and extracurricular education courses organized by or in collaboration with the Ministry of Education; ;<\/li><li>Children enrolled in preschool and students in the first cycle of basic education who participate in socio-educational activities organized by parent associations or municipalities at educational institutions; ;<\/li><li>Elementary and secondary school students who are completing internships or participating in workplace training experiences, which constitute the necessary extension of time and curriculum required for certification; ;<\/li><li>Students who participate in school sports; ;<\/li><li>Children and youth enrolled in recreational activities or vocational programs organized by educational institutions or schools and held during school breaks; ;<\/li><li>Elementary and secondary school students, including those in vocational and arts programs; ;<\/li><li>Students who travel abroad as part of field trips, exchange programs, and athletic competitions in the area of school sports.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">How do I get school insurance coverage?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">You can obtain insurance coverage at the educational institution through an association agreement with middle schools or school districts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When parents file an insurance claim, they must inform the school of the consequences of a specific accident that occurred on school grounds. This notification must be provided immediately upon their arrival at the health office, where the student must have received specialized care.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the death or permanent disability of the injured student is suspected, the administrative and management body of the educational institution must initiate a special investigation or, alternatively, report the incident to the regional office.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The same organization must also provide parents with adequate information on the steps they need to take to ensure they comply with the terms of the insurance policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What types of coverage are provided?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">All treatment-related costs not covered by the social security system, such as the SNS, are covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage is guaranteed as long as the medical care provided or hospitalization takes place in public health care facilities, that is, through public hospital services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, we can say that the insurance covers the following situations in the context of a school accident:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Medication and medical care for the injured student; ;<\/li><li>Transportation to the public health facility, as well as the necessary food and lodging during this assistance; ;<\/li><li>It also provides for possible compensation for emotional distress or disability; for this, a medical evaluation is required; ;<\/li><li>The insurance also provides various other types of coverage in the event of damage caused to third parties or the death of the injured student.<\/li><li>In the event of a school-related accident, documented expenses are reimbursed within 24 hours for situations already recognized as school-related accidents.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In all other cases, the reimbursement period is 20 days. If medical advice is required, reimbursement takes about four weeks.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Are school accidents that affect the teeth also covered?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, that's true. This insurance should also provide coverage for any damage resulting from accidents that occur in a school setting and that affect the injured student's teeth, particularly in cases of total or near-total tooth loss.<\/p>","protected":false},"excerpt":{"rendered":"<p>School insurance in Portugal is free for all pupils attending the compulsory school system. In the event of a school accident, it offers complementary protection and support to that provided by the national health system. School insurance in Portugal Let's start by recalling what is considered a school accident, i.e. one that occurs...&nbsp;<a href=\"https:\/\/vivreauportugalconsulting.com\/en\/assurance-scolaire-au-portugal\/\" rel=\"bookmark\">Read More \"<span class=\"screen-reader-text\">School insurance in Portugal<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":8386,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Comment fonctionne l'assurance scolaire au Portugal","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1684,3308],"tags":[],"class_list":["post-8383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscalites-des-expatrier-au-portugal","category-economie-du-portugal"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/vivreauportugalconsulting.com\/wp-content\/uploads\/2021\/10\/Lassurance-scolaire-au-Portugal-2.jpg?fit=1771%2C1063&ssl=1","_links":{"self":[{"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/posts\/8383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/comments?post=8383"}],"version-history":[{"count":0,"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/posts\/8383\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/media\/8386"}],"wp:attachment":[{"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/media?parent=8383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/categories?post=8383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vivreauportugalconsulting.com\/en\/wp-json\/wp\/v2\/tags?post=8383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}