School Accidents Insurance
Protection against damages caused by an accident and the medical expenses incurred as a result.
Or if you prefer to call us at
Coverages
School Group Accident Policy (School GAP)
The School Group Accident Insurance provides protection to students, teachers, and educational employees against damages occurred as a result of an accident, and the medical expenses incurred by the policyholder as a result of the same.
The student and/or participant will be covered while:
- He or she attends school, during regular days and hours.
- He or she travels to school or returns home from school (during a reasonable time).
- He or she participates or attends activities sponsored by the school authorities.
The available basic coverages of this policy are:
- Accidental Death.
- Dismemberment.
- Medical Expenses – Hospitalization.
- Dental Expenses.
Additional coverages offered by the School GAP are:
- Safety Belt – Additional Death Coverage if the policyholder suffers an accident while he or she is the driver or passenger in a motor vehicle and is using the seat belt.
- Travel Assistance outside of Puerto Rico – Orientation services if the policyholder suffers an accident in the United States.
- Funeral Expenses.
- Summer School.
- Summer Camps.
Benefits and Advantages
Through life and disability insurances for business, MAPFRE LIFE offers a number of benefits and advantages detailed in the general and special conditions of their policies.
The School Accident Insurance of MAPFRE offers you the following benefits and advantages, among others:
Protection
It is a policy that protects students, teachers and employees of an educational institution.
Covers
It covers damages because of an accident, the related medical expenses, and compensation for dismemberment.
Routes
It covers the insured also on routes on the way to school or back to his residence.
Dental Expenses
The dental expenses are included.
The School Accident Insurance includes also some additional covers, like:
Additional Covers
Additional Death coverage if the insured suffers an accident while he/she is a driver or passenger of a motor vehicle and is using the seat belt.
Covers
Travel assistance.
Expenses
Funerary expenses.
Classes
Summer classes.
Camps
Summer camps.
General Conditions
MAPFRE LIFE offers, for all its insurances and services, a number of general conditions which indicate the covers established for each product, its benefits and advantages, limits and restrictions to consider to get the maximum benefit from your policy.
School Accident Insurance is a policy designed to protect students and teachers of a school from damages suffered in an accident and from the medical expenses incurred because of these.
Policyholders are protected when they attend school, for the days set at the schedules, in the way to school or back to their residence and / or when they are participating in activities sponsored and supervised by the school authorities. In these periods, they are covered for Accidental Death, Dismemberment, Medical Expenses or Hospitalization and Dental Expenses.
In addition, it protects policyholders in the event of an accident of movement when they are carrying seatbelt or from damage while traveling outside of Puerto Rico, among others.
Requirements and Restrictions
This insurance includes a number of requirements and restrictions that must be studied by the customer before hiring. It is important to consider these aspects to choose the policy that best suits your needs and those of your business.
The School Accident Insurance indicates in its general and special conditions, the following requirements and restrictions:
- MAPFRE LIFE is not liable for payments for injury or death or other loss caused, in whole or in part, directly or indirectly, by the insured.
- Damages because of suicide or attempted suicide within two years from the effective date of coverage are excluded.
- Injuries caused by war or act of war, declared or not in time are not covered.
- MAPFRE LIFE is not liable for compensation if the insured is under the influence of alcohol or any narcotic substance unless it had been administered by a doctor or accidentally ingested.
Recommendations for use
MAPFRE LIFE recommends know and follow a series of recommendations for use in order to access the covers included in the general conditions of the policy as well as the benefits and advantages of the policy if an accident happens.
Recommendations for use before hiring a School Accident Insurance:
- MAPFRE LIFE recommends a careful reading of the general and special conditions of the policy and covers included by the Company.
Recommendations to benefit from the School Accident Insurance covers:
- All insurance benefits are paid after receipt of the evidence requested by MAPFRE LIFE.
- Insurance benefits are delivered to the insured person if he/she is present (otherwise the executors or administrators of the insured person), unless the insured is a minor. In the latter case, such payments can be made to parents, guardians or other persons that are reflected in the archives of the company.
- MAPFRE LIFE is entitled to examine, at its expense, the insured when and as often as reasonably required while it is pending a claim, as well as an autopsy in case of death, if is not prohibited by law at that time.
- Changes made to the policy are not valid until they are approved by an executive officer of the Company and only if approval is endorsed to it.
Life and Disability Services for my Business
Check the services related to Life and Disability insurance for business offered by MAPFRE PUERTO RICO.
Services
Office Network
Find our office network, general agencies or authorized representatives.