With the Omnibus Decree of 2024, the Government extended insurance protection for students and school staff also for the 2024-2025 academic year. This measure represents an extension of the rules of safety at work and protection against accidents, with the aim of relieving families from the costs associated with school insurance. In this guide, we examine in detail the new rules introduced and how they affect the school world
.
Table of Contents:
What is School Insurance Protection?
School insurance protection is a set of measures that guarantee protection against accidents and occupational diseases for students and school staff. Initially limited to laboratories and gyms, this insurance was extended to all school activities thanks to the Labor Decree, then extended for the 2024-2025 school and academic year by the Omnibus Decree. The coverage is guaranteed by the State, which covers the insurance costs
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Who is Insurance Protection for
Insurance protection applies to:
- Teaching staff: from all schools and educational institutions, state and non-state.
- Students: from schools of all levels, including higher technical education and training (IFTS), vocational education and training (IEFP), Provincial Centers for Adult Education (CPIA), and ITS Academy.
The INAIL Circular of 26 October 2023, n. 45, establishes specific details for each category, including limits and requirements, confirming that coverage extends to all educational activities, both internal and external.
What Does Insurance Coverage Provide
The insurance coverage for 2024-2025 is very extensive and includes:
- For teachers: Coverage for all work-related injuries, including on-going accidents and occupational diseases. The protection applies to all educational activities, including educational outings, educational trips and missions
- For students: Coverage goes beyond technical and scientific experiences, including all injuries and occupational diseases that occur during school activities, including recreational and sports activities, curricular internships and other activities organized by schools.
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Insurance Protection Benefits
The services offered by INAIL include economic benefits, health and socio-health care, and specific integrations. The main economic benefits include
:
- Daily allowance for absolute temporary disability.
- Compensation for biological damage in capital.
- Severely handicapped pension.
- One-time check in case of death and check for ongoing personal assistance.
In addition, healthcare services include outpatient care, prosthetic care, and rehabilitation services.
Who Must Pay for School Insurance
For the 2024-2025 school year, the State covers insurance costs for students, teachers, and school staff in state schools. Non-state schools and institutions, on the other hand, must independently pay for insurance, following the procedures established by the INAIL Circular of
26 October 2023.
Validity of the New Insurance Protection
The new insurance protection is valid for all accidents and occupational diseases that occur during the 2024-2025 school and academic year. The rules have been established and extended by the Omnibus Decree, confirming coverage for the entire
next school year.
Insurance protection for students and school staff represents a fundamental protection tool in the world of education. With the new rules introduced for 2024-2025, it is essential that everyone involved is well informed about their rights and obligations to ensure the proper application of these
measures.
