In Case of an Accident at School

An accident is a sudden, external event that causes bodily injury and occurs involuntarily.

You must seek treatment immediately, but no later than 14 days after the accident. An accident report form is filled in at school, after which the school office makes an electronic accident report to the insurance company (IF).

An accident covers:

• Primary school students at school (includes municipal afternoon activities).
• During curricular and school-assigned school hours and school trips.
• Secondary school (grades 7-9) corvée days at home or at school.
• During curricular trips and camps around the world (Basic Education Act 34 §).

The insurance company of the Pielavesi municipality is If Vahinkovakuutusyhtiö Oy.

Progress of the accident handling

The guardian or a school staff member goes with the student to the nearest health centre or to the hospital KYS.

You can find the IF insurance company’s health service partners in the link below (in Finnish).

Expensive singular examinations and operations require a commitment to pay.

The school secretary makes an electronic accident report to the insurance company on the basis of the teacher’s accident report for the student’s accident at school. An accident report is made to the insurance company only if

• the accident has resulted a bill from a doctor’s visit,
• the guardian has announced to the school or education services of the costs of the accident. Then an accident report must be made to the insurance company so that the matter is being processed by the insurance company (not all of the teacher accident reports are automatically reported as accidents),
• in the case of a dental injury or
• you are contacted by the insurance company, for example about a request of the commitment to pay.

Every time at registering, always remember to mention that it is a school accident and the billing goes to the municipality. Under the age of 18 is not charged with hospital outpatient clinic fees, only treatment fees are charged.

An accident has happened during the school journey or student needs care after the school day

• if the accident of a student has happened during the school journey or needs care after the school day, the guardian is obliged to report the matter to the school as soon as possible,
• accidents during school journeys are covered, except for accidents involving a car or other motor vehicle. In this case, traffic insurance is always the primary insurance. If the traffic insurance does not reimburse the expenses, only then does the handling transfer to the accident insurance

Costs incurred by the guardian

If the guardian has incurred expenses related to the school accident, the guardian themselves seek compensation of the costs they have paid. The municipality’s accident insurance is with the insurance company IF. Their insurance number is: SP0004345447.

You can only claim compensation for the expenses paid. First the guardian pays the expenses themselves and then applies compensation directly from the insurance company www.if.fi/henkilovahinko(opens in a new window, switching to another service) select the option Public Sector Accidents (Julkisyhteistyön tapaturmat) and the insurance number SP0004345447.

The guardian gets the decision from the insurance company by post, when the compensation application has been processed.

Dental accident

In the case of dental accidents, the student is primarily directed to the dental clinic of the health centre in the region of their school, also the use of private dental clinic is compensated.

For the compensation handling of the dental accident, the insurance company needs the dentist’s report/treatment proposal. Any dental report will be delivered to the child’s school.

If the dental visit has taken place in the private dental clinic or in the hospital emergency room, the guardian must ask for a dental certificate to be sent to the child’s school for the insurance company.

Accident requires transportation to the school

If the student has to travel to the school because of a school accident, for example by taxi, the municipality is obliged to take care of the transportation. If you need transportation, please contact the Growth and Learning Services office.