insurance

In order to guarantee a better service to our customers, we have taken steps to stipulate coverage with ITAS INSURANCE aimed not only at accidents involving all participants in our individual and collective courses, but also for personal civil liability of the student.

SUBJECT OF ACCIDENT COVERAGE:

  • Capital insured in the event of death due to accident €50,000
  • Capital insured for permanent disability (€100,000 maximum compensation)

Determination of compensation for permanent disability:

Without applying an absolute deductible of 5%, the compensation is determined as follows:

  • If the degree of permanent disability remaining for the Insured is equal to or lower than 25%, the compensation will be calculated on the basic insured sum of €25,000;
  • If the residual degree of permanent disability is greater than 25% but not more than 50%, the compensation will be calculated on double the basic sum insured;
  • Finally, if the residual degree of permanent disability is greater than 50%, the compensation will be calculated on four times the basic sum insured.
  • GUARANTEE FOR REIMBURSEMENT OF MEDICAL EXPENSES FROM ACCIDENTS Insured limit €1,500.

In the event of an accident eligible for compensation under the terms of the policy up to the limit indicated on the policy sheet, the Company reimburses the following medical expenses:

  1. surgeons’ fees
  2. use of the operating room and surgery material
  3. hospitalization fees in hospitals or clinics
  4. medical aids prescribed by the responsible doctor
  5. medical fees
  6. diagnostic tests
  7. physiotherapeutic, re-educational and spa treatments carried out within six months of the occurrence of the injury
  8. reimbursement of the part of the course paid to which the injured student did not partake
  9. transport to hospitals or clinics by ambulance or air ambulance

The company will reimburse the aforementioned expenses only upon presentation of the original supporting documents and after full recovery from the injury.

If the accident does not result in hospitalization in a healthcare clinic, the compensation limit is reduced to €1,000.

  • DAILY ALLOWANCE IN CASE OF HOSPITALIZATION FOR AN ACCIDENT

    The company ensures a daily allowance for each day of hospitalization of the Insured in a health clinic following an accident for a maximum duration of 60 days, determined as follows:

  • for hospitalizations of up to 7 days an allowance of €9.00 will be paid
  • for hospitalizations lasting more than 7 days and up to the 15th day, an allowance of €18.00 will be paid
  • for hospitalizations lasting more than 15 days and up to the 60th day, an allowance of €36.00 will be paid
  • The days of entry and exit from the healthcare clinic will be considered a single day, regardless of the time of entry and exit.
  • CIVIL R. Civil liability deriving from the student during the hours of lessons with the instructor, for damages involuntarily caused to third parties or property of third parties in the exercise of this activity considering the third party among the students.