Title:
Student Accident Insurance (Schülerunfallversicherung): Protecting Children at School and During Official Activities
Meta description:
Did you know that students in Germany are covered by Schülerunfallversicherung during the school day and on school trips? Learn what is covered, where the insurance protection ends, and what to do if an accident happens.
Schülerunfallversicherung is a compulsory insurance provided by the German state through the statutory accident insurance (gesetzliche Unfallversicherung) for all students at public and private schools.
It covers accidents that occur during:
lessons (Unterricht)
breaks (Pausen)
school activities such as clubs and sports (AGs, Sport)
school trips and camps (Klassenfahrten, Wandertage)
the direct way to and from school (Schulweg)
The insurance is administered by bodies such as the Unfallkasse or the competent Berufsgenossenschaft, depending on the federal state.
Typically, the student accident insurance covers:
medical examinations and treatment
rehabilitation and physiotherapy
technical aids (e.g. a wheelchair)
partial benefits in cases of disability or permanent impairment
psychological support after serious accidents
in certain cases: allowances for parents (e.g. for accompanying the child)
The following are usually covered:
a child falls and is injured during sports lessons (Sportunterricht)
an injury during a game in the schoolyard during break time
a traffic accident on the direct way to or from school (Schulweg)
a fall or injury on an official school trip (Klassenfahrt)
The following are generally not covered by Schülerunfallversicherung:
accidents while playing at home or after school hours
private activities with no connection to school
family trips or private travel
situations where the student has left the school grounds or the activity without permission
Inform the teacher or school administration immediately:
Report the accident as soon as possible to a teacher or the school office.
Accident documentation (Unfallanzeige):
The school must document the accident in an official Unfallanzeige (accident report).
Forwarding to Unfallkasse:
The report is then sent to the responsible Unfallkasse or Berufsgenossenschaft.
Proof of connection to school activities:
It must be documented that the injury is directly linked to a school activity or the school route.
Important:
In case of obvious or more serious injuries, you should see a Durchgangsarzt (a doctor authorised by the accident insurance), so that the treatment is properly handled via statutory accident insurance.
| Term | Meaning in English |
|---|---|
| Schülerunfallversicherung | student accident insurance |
| Schulweg | way to and from school |
| Unterricht | lesson / class |
| Klassenfahrt | school trip |
| Unfallkasse | statutory accident insurance fund |
| Durchgangsarzt | designated accident insurance doctor |
| Sportunterricht | sports lesson |
| Unfallanzeige | accident report |
Schülerunfallversicherung Deutschland, student accident insurance Germany, school accident coverage, accident during Klassenfahrt, Schulunfall melden, gesetzliche Unfallversicherung Schüler
The editorial team of this website strives to provide accurate information based on thorough research and multiple sources. However, errors may still occur or some information may be incomplete or not fully confirmed. Please treat the information in this article as an initial guide only and always contact the competent authorities or professionals for binding and up-to-date advice.
