The document discusses the need for insurance coverage for students at educational institutions. It notes that schools provide many facilities and activities that expose students to risks, such as accidents during transportation, events on campus, pollution, food poisoning, and natural disasters. The letter provides an example insurance package that would provide personal accident coverage, reimbursement for hospitalization expenses, and education funds if a parent dies accidentally. It encourages the principal to consider this insurance to help protect students and families from financial burdens of accidents and medical costs.

1. Thrissur
To
The Principal
Dear Sir,
Sub: Insurance Coverage for Students
As you are aware, educational institutions have gone under a radical change in its appearance and infrastructure. To
provide the most modern as well as qualitative educational solutions to the students, institutions make a lot of efforts.
Apart from the curricular activities, educational institutions provide utmost care in providing facilities to the students
like conveyance, sports and games, fine arts, educational expeditions, and other extra & co curricular activities. To
avail these qualitative facilities, naturally students have to pay considerably heavy charges in various forms like fees,
deposits, caution money etc., to the institution. As the education scenario has undergone tremendous and
unbelievable changes, automatically exposure of risks of the institutions have also grown many folds. Few of them
are identified and listed below.
 Accidents to students from Bus/Auto Rickshaws/bicycles while on journey to and from Schools
 Risk exposure of public events held in the institution like sports/games/cultural activities etc.
 Pollution, food poisoning
 Hospital expenditure of students for incidents taking place during school hours.
 Snake Bite, Lightning, Drowning, fire incidents, natural calamities, Riots etc.
 Construction activities taking place within the premises
 Transportation of injured students to nearby hospitals or clinics.
 Financial liability of the family in the event of the demise of student’ parent/guardian
The above mentioned are only a few of many. It is understood that there is no adequate study has ever been
conducted to identify and manage these risks, educational institutions normally face. As we know, children are the
most risk factor in any educational institution. Schools and parents are equally worried about the safety of their
children.
We hope, prestigious institutions like yours would take this matter with due seriousness. As you are aware, unlike in
the past years, without adequate insurance, coming generation may not be able to afford the skyrocketing hospital
expenses. This fact may be conveyed to the growing generation by taking their attention to insurance during
childhood. They thus, can be expected to pay more attention to the safety of their families through insurance in
future.
We, herewith enclose a complete and an innovative insurance package, specially designed for the school students.
This policy is introduced in association with United India Insurance Company and AIMS Insurance Broking Private
Limited
Policy for Students
Risk Cover Sum Insured
Option A
Personal Accident (death & PTD to student ) Rs.50,000
Reimbursement hospitalization expenses due to disease &
accidents
Rs.10,000
Children’s education fund due to accidental death of parent Rs.1,00,000
Premium for one year including service tax 10.3% will be Rs.100/-
You may go through the same and call us back for further discussion and clarifications.
Thanking You
With Regards,