Do you pay extra for your child to have fee insurance and accident insurance

[tryingtobemarypoppins2]

at an independant school?

Is it worth it??

DS is starting in nursery.

It is offered. Personally I don't pay it, and it is usually removable.

Yes they said it could be removed. I just wondered what the point of it was really!

We HAVE to pay the personal accident insurance - apparently we are obligated 0 must have been in the initial contract but at £5.95 a term I can live with that.

We dont bother with fee cover insurance though.

I think if they are sick for 5 days or more it covers your fees, but I really don't think it is worth it at nursery level.
Personal Accident I guess may be worth it is they are fencing and playing rugby....I hope not in nursery! Although they do swim from age 2

Have always done the personal accident because DS is very sporty and it means his teeth/nose/face are insured. Always thought the fees cover wasn't worth it but have just had a glandular fever scare (not I'm pleased to say) and am having second thoughts.

We claimed fees back last year when our daughter was seriously Il in intensive care. To be honest the first thing in our minds was definatly not monetary! We now cross it off the invoice because we feel it just won't pay out for her (now) 'existing condition' and insurers would try and link any sickness to it now.

We claimed fees back last year when our daughter was seriously Il in intensive care. To be honest the first thing in our minds was definatly not monetary! We now cross it off the invoice because we feel it just won't pay out for her (now) 'existing condition' and insurers would try and link any sickness to it now.

Gosh Olegirl I hope your DD is on the mend xx

onceamai I assume your mean, private health care could then be used?

Thank you - our mantra is 'onwards and upwards'! Her condition is chronic so the nhs is actually the best way for us. Anyway DH started own business recently after previously being 'employed' with private health insurance included and he never got round to buying his own family insurance separately!

doesn't cover teeth.

We don't pay it as we already have private medical insurance and the most likely cause of DD to be off school for a long period would be from a pre-existing condition.
Interesting under FSA guidelines the school are not allowed to make their insurance policy compulsary, but can make an insurance policy compulsary meaning you can go and find your own insurance. They can ask you to should policy documents to prove this.

we do accident insurance but not fee. My view is we have budgeted for the fees in any case so don't really need it, but if a child is off for 3 days next to a weekend you can claim - if it's a cold or flu type virus that is still OK and you can self certificate, no need to see a doctor. A friend makes money on the scheme (she reckons one claim a year more than covers the cost) so if you have a child prone to tummy upsets or colds it's probably worth it.

ummmmm got me thinking now snorkie. He will only be doing 3 days though so I expect its not worth it?

It might be. Small children get ill more often than big ones generally, but if the insurance premium isn't pro-rated down then it makes it less likely to be worth while I guess - you could try and calculate what a weeks fees would be to figure out what a typical claim might come to.

As with all insurance you can only guess in advance really - if your child is generally healthy then leave it, if he/she comes down with things every now and again then maybe - especially if you are the sort of parent who likes to keep a child home if they are only slightly off-colour as opposed to the sort who takes him in in regardless.

For me, the deciding factor in not taking it was that I didn't want to be tempted to keep a child off school 'one more day' when they were probably well enough to go back just so I could claim some money. It was the right decision in my case - in 22 child years at private school I've only ever had a child off for 3 consecutive days (or more) next to a weekend once (last term as it happens), but it could easily have been a different story - you need hindsight I'm afraid.

I don't pay the accident insurance as they are just as likely, more so to have an accident elsewhere, especially with all the dance dd does.

If either of them had an accident where the school had been clearly negligent we would sue on their public liability, butotherwise these things happen.

Ds did have an accident in his first few weeks at the school, fell down some steps needing hospital and then turned into cellulitus but it wouldn't have covered things like that anyway as far as I am aware.

We paid it last term- DD was off ill with Chicken Pox, and the rebate will cover the insurance for next 5 terms... so probably worth it in this case.