Insurance broker / Nursery and kindergarten insurance / Policy wording archive Nursery insurance
Helvetia Basisschutz: the policy wording in full
Gruppenunfallversicherung für Kinder in Kindergärten, Schulen und Betreuungseinrichtungen während des Aufenthalts, beaufsichtigter Veranstaltungen und der Wege, Summen laut Versicherungsschein.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Helvetia Basisschutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity per occurrence (combined) | as stated in the policy schedule | ||
| Annual aggregate per insurance year | not addressed | ||
| Standard deductible per occurrence | not addressed | ||
| Territory (domestic, Europe, worldwide; trips abroad) | yes | „Versicherungsschutz besteht während der Wirksamkeit des Vertrags - weltweit und“ | Ziffer 1.2, page 2 |
| Insured facility types (crèche, nursery, kindergarten, after-school care, playgroup) | yes | „Besondere Bedingungen für die Gruppenunfallversicherung für Kindergärten, Schulen und …“ | Besondere Bedingungen Kindergärten, page 2 |
| Insured operator forms (association, parent initiative, non-profit company, church or independent operator, workplace nursery) | not addressed | ||
| Personal liability of management, educators and assistants included | not addressed | ||
| Parents, volunteers, interns and temporary helpers covered | not addressed | ||
| Board and officers of the operating association covered | not addressed | ||
| Pure financial loss to third parties | not addressed |
Care and supervision
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breach of the duty of supervision expressly covered | not addressed | ||
| Damage caused by children in care to third parties, including children below the age of liability | not addressed | ||
| Bodily injury to children in care (operator liability, recourse of the statutory accident insurer) | not addressed | ||
| Damage between children in care | not addressed | ||
| Damage to children's belongings (clothing, glasses, hearing aids, toys) | not addressed | ||
| Loss of belongings of children and parents (cloakroom, prams) | not addressed | ||
| Outings, forest days, overnight stays and trips outside the facility | yes | „während der gemeinsamen Fahrten zu auswärtigen Veranstaltungen (z. B. Ausflüge), die im …“ | Besondere Bedingungen Kindergärten, page 19 |
| Swimming, paddling pools, water play and bathing trips | not addressed | ||
| Transport of children (shuttle, handcarts, crèche buggies, parents' cars) | not addressed | ||
| Catering, own kitchen and food (allergies, food poisoning) | not addressed | ||
| Administering medication and first aid by staff | not addressed | ||
| Drop-off and pick-up (child handed to unauthorised person, child running away) | not addressed | ||
| Animals at the facility (nursery dog, small animals, animal-assisted education) | not addressed |
Premises and operations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premises liability and duty of care for buildings and grounds | not addressed | ||
| Playground and play equipment (installation, inspection, use) | not addressed | ||
| Snow and ice clearance duty, also assumed by contract | not addressed | ||
| Damage to rented rooms and buildings | not addressed | ||
| Damage to rented, borrowed or leased movable property | not addressed | ||
| Loss of third-party keys and key cards (landlord's building, locking system) | not addressed | ||
| Events (summer party, lantern parade, open day, bazaar) | not addressed | ||
| Letting rooms to third parties (courses, external groups) | not addressed | ||
| Construction works as developer (alterations up to a construction sum) | not addressed | ||
| Environmental and water pollution damage | not addressed | ||
| Data protection breaches (photos, development reports, nursery apps) | not addressed |
Children's accident cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accident insurance for children in care, supplementing statutory accident insurance (group accident) | yes | „Die Versicherung umfasst im Rahmen der GUB 2021 nur die Unfälle, von denen die Kinder …“ | Besondere Bedingungen Kindergärten, page 19 |
| Basic disability sum per child | yes | „Grundlagen für die Berechnung der Leistung sind - die vereinbarte Versicherungssumme …“ | Ziffer 2.1.2.1, page 3 |
| Disability progression (maximum benefit in percent) | yes | „Sie haben mit uns eine Gruppenunfallversicherung mit progressiver Invaliditätsstaffel …“ | BB Progression GUB 2021, page 16 |
| Death benefit for children | yes | „Wir zahlen die Todesfallleistung in Höhe der vereinbarten Versicherungssumme.“ | Ziffer 2.6.2, page 5 |
| Hospital daily benefit or medical costs | yes | „für jeden Kalendertag der vollstationären Behandlung, längstens für 730 Tage ab dem Tag …“ | Ziffer 2.4.2, page 5 |
| Cosmetic surgery and dental prosthesis after an accident | yes, up to EUR 15,000 | „Die versicherte Person hat sich einer kosmetischen Operation unterzogen, um eine …“ | Ziffer 2.7.1, page 5 |
| Search and rescue costs | yes, up to EUR 15,000 | „für Such-, Bergungs- oder Rettungseinsätze von öffentlich- oder privatrechtlich …“ | Ziffer 2.7.2, page 5 |
| Time scope (care hours and commute only or 24 hours) | yes | „Unfälle auf den direkten Wegen nach und zur Kindergartenstätte, Schule oder …“ | Besondere Bedingungen Kindergärten, page 19 |
| Accident cover for volunteers, helping parents and board members | not addressed |
Contents and interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contents insurance (furniture, toys, kitchen, materials) | not addressed | ||
| Insured perils for contents (fire, water, storm, burglary, vandalism, natural hazards) | not addressed | ||
| Electronics and appliances against operating errors and breakage | not addressed | ||
| Items outdoors (playhouse, sandpit, ride-on toys, pram shelter) | not addressed | ||
| Loss of income or extra costs after property damage (temporary rooms, emergency care) | not addressed | ||
| Closure by authority under infection control law | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of sexual abuse or violence (also for the operator's organisational fault) | not addressed | ||
| Exclusion of motor vehicle use (child transport) | not addressed | ||
| Exclusion of transmission of diseases (infections, lice, pandemic) | yes | „mit FSME oder Borreliose, die durch Zeckenstich übertragen werden.“ | Ziffer 5.2.4, page 8 |
| Exclusion for knowingly breaching laws and regulations (staff ratio, operating licence) | not addressed | ||
| Exclusion of medical, therapeutic or nursing activities (inclusion children, therapy) | not addressed | ||
| Bodily injury to employees (workplace accident, statutory liability privilege) | not addressed | ||
| Obligation: operating licence, staff ratio, staff qualification, criminal record check | not addressed | ||
| Safety obligations (play equipment inspection, fire safety, hygiene plan) | not addressed | ||
| Defence against unfounded claims and criminal defence costs for staff | not addressed |
Contract and specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Term and cancellation (annual contract, cancellation after a claim) | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | Ziffer 10.2.2, page 11 |
| Premium basis (places, groups, staff, turnover) and duty to report changes | yes | „Wir werden Sie regelmäßig auffordern, uns innerhalb eines Monats die Anzahl der im …“ | Besondere Bedingungen Kindergärten, page 18 |
| Automatic cover for new groups, places and sites | not addressed | ||
| Update guarantee for improved terms | yes | „Werden die GUB 2021 ausschließlich zum Vorteil der Versicherungsnehmer und ohne …“ | Ziffer 23, page 14 |
| Austria: relation to provincial childcare law and statutory accident insurance | not addressed | ||
| Spain: employer's liability (staff workplace accidents) with sublimit per victim | not addressed | ||
| Spain: compulsory cover under regional law for nursery schools (minimum limits, child accident) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Helvetia Schweizerische Versicherungsgesellschaft AG Direktion für Deutschland, Helvetia Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Gruppenunfallversicherung Basisschutz mit Besonderen Bedingungen für Kindergärten, Schulen und Betreuungseinrichtungen Edition: GUB 2021 Basisschutz, Stand 01.06.2021 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Helvetia Basisschutz and available as plain text.
Volltext Helvetia Basisschutz Kita-Versicherung · As text (Markdown) Helvetia Basisschutz Nursery insurance