In the first month of the school year, the number of accidents involving school-age children insured by Rosgosstrakh decreased by 24% compared to September last year. Payments at the same time increased by 5.8% and amounted to more than 3.6 million rubles.
The reason for almost half of the appeals to the company for insurance cases were fractures in children. Another 22% of applications were submitted due to sprains and dislocations. Bruises and stab injuries were the cause of 14% of appeals. 2% of applications were submitted due to animal bites - this is a quarter less than, for example, in the last month of summer holidays. Although August as a whole turned out to be 24% more traumatic for children: on vacation, children are less under the supervision of adults, and therefore their antics and pranks often end in injuries.
According to Anton Malyarov, head of the department of payments for personal insurance of Rosgosstrakh, boys were expected to get into unpleasant situations ending in injuries more often than girls — 2.2 times. The desire to stand out among peers, to prove superiority often pushes children to imprudent actions. For comparison, in September 2022, the parents of boys applied for insurance payments 2.7 times more often than girls.
The riskiest category is schoolchildren aged 11-15 years: 66% of insurance cases in September occurred with high school children. Primary school, or boys aged 7-10 years, accounted for 37% of appeals. The most cautious were high school students — only 6% of applications were submitted in this category.
Girls have the most traumatic age in primary school: 57% of applications submitted to the company in September concerned victims aged 7-10 years. Growing up, girls become more circumspect: secondary school, which is the period from 11 to 15 years, accounted for 37% of applications. 6% of applications were submitted for insurance payments for high school girls (age 16-17).
According to Anton Malyarov, due to the small insurance amount, most often payments for injuries are low: for example, for a fracture, the payment can be from 2 thousand to 15 thousand rubles, for a dog bite - in the range from 30 rubles to 2 thousand rubles.
"The amount of the insurance payment depends, first of all, on the nature of the injury and the amount for which the child is insured," explains Anton Malyarov. — At the same time, most often it is low and rarely exceeds 50 thousand rubles, because children are insured, as a rule, not by parents, but by the organizers of children's recreation. That is why traditionally we record an increase in demand for children's accident insurance with the approach of holidays — before sending children to health and sports camps. But in the vast majority of cases, this is short—term insurance - only for the duration of the child's stay in the camp. Therefore, we urge parents to independently increase the insurance amount and increase the terms for which the child is insured. The surcharge is relatively small, and it will be even less if you insure a group of children at once, for example, a class. But the insurance payout in case of injury will be much higher."
Most often, children are at risk during walks: falling from scooters, skateboards, bicycles, swings and horizontal bars often ends in plaster. Although there are also cases of bruises when falling from the sofa or when stepping over the door threshold. And it's not safe at school, especially at recess, when students try to throw out the energy accumulated during the lesson during a short pause. In the event of a child's injury, money will not be superfluous for parents. And the insurance payment can be spent on the full rehabilitation of the child.
PJSC IC Rosgosstrakh is the flagship of the domestic insurance market, a subsidiary of Otkritie Bank, part of the VTB Group. There are about 1,500 representative offices of the company on the territory of the Russian Federation. On October 6, 2022, the Rosgosstrakh system celebrated 101 years since its creation.
Please note that this press release is based on materials provided by the company. AK&M Information Agency shall not be held liable for its contents, nor for the legal and other consequences of its publication.
