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Path: English / Students / Student services / Accident insurance for students
Student services
Accident insurance for students
The University of Pisa has taken out an accident insurance policy covering University students since 1998. This is a wide covering insurance that besides overseeing basic security in the event of an accident also covers medical costs and provides a daily allowance in the case of hospitalization or immobilization of one or more limbs.
- Who is insured
- What, how and where is covered
- Cover and limits
- What to do in the event of an accident
- How to make a claim
- Policy text (download format rtf)
Who is insured 
This policy covers 'students', a category considered in a very broad sense, including: undergraduates, trainees, students of specialization courses, scholarship holders, doctorate and post-doctorate students, receivers of research grants, foreign students, subject experts and authorised external attenders.
What, how and where is covered
Given that this is an accident insurance, it only covers the damaging consequences resulting from an accident and not, therefore, for example those deriving from an illness.
Those included in the category of student are automatically covered by the insurance:
- for all activities carried out in University structures
- for all activities carried out in structures managed by the Authority for the Right to University Study
- for travel from one to another of various university structures and from these to those managed by the Authority for the Right to University Study
- for participation in sporting activities organised by the University of Pisa or managed by the C.U.S., with the exclusion of certain disciplines (boxing, field athletics, combat sport of any kind, mountaineering with rock or ice climbing, potholing, springboard diving, skiing or water skiing, ski acrobatics, bob-sleighing, rugby, parachuting, paragliding and air sports in general)
- for travel from home to university structures or those authorised to visit. A time limit is given of 1 hour prior to the expected time of arrival and from leaving the visited structure
All activities within other institutions (universities, research organisations, companies etc.) with no geographical limit, are covered by the insurance if:
- carried out under the patronage of the University of Pisa
- authorised by a person in charge of the structure* of the University of Pisa
*this means the faculty dean, the department principal, the head of the course of study etc.
Cover and limits
The basic cover is:
in the event of death: 258.228,45 Euro
in the event of permanent
invalidity: 258.228,45 Euro
The compensation for permanent invalidity is calculated using a system of exemptions that tends to penalize permanent injury with low levels of invalidity, while favouring more serious cases.
Certain additional cover is also provided:
- daily allowance for:
- hospitalisation: 51,65 Euro a day (limit of 300 days)
- Immobilization of one or more limbs: 51,65 Euro a day (limit of 90 days)
- reimbursement of medical costs:
- limit of 10.329,14 Euro including:
- diagnostic and medical-legal certificates pre and post - recovery (limit 1.549,37 Euro)
- specialist medical visits pre and post - recovery (limit 1.549,37 Euro)
- surgeon's fees and those of any member of the operating team, room charges, materials
- prosthestic or therapeutic equipment used during the operation
- hospital stay charges
- thermal spring treatment
- ambulance transport to the care institution or surgery and viceversa
- medical cures and physiotherapy, rehabilitation treatment
- prescribed medicines
- purchase of prostheses
- limit of 10.329,14 Euro including:
What to do in the event of an accident
If the accident occurs within a scientific, didactic or service structure (faculty, department, interdepartmental centre, etc...) it is necessary to refer to the structure's administrative secretary as soon as possible and provide him/her with:
- a copy of the emergency department medical certificate, or similar;
- a description of the facts indicating the accident's date, time, place and its circumstances;
- all other documentation which could prove useful.
If the accident occurs outside one of the mentioned structures, refer, with the above indicated documentation, to:
Università di Pisa
Dipartimento I Didattica e Ricerca
Ufficio "Studenti e laureati"
Via Fermi 8, 56126 PISA
referent: sig. Roberto Pasquini o sig.ra Franca Montagnani
tel. 050 2212016-018
fax 050 2212001
e-mail: http://adm11196/english/students/studentser/mailto.r.pasquini@adm.unipi.it;
f.montagnani@adm.unipi.it
The student must follow the prescribed treatment and retain receipts, invoices and other relevant material as a record of the expenses sustained.
If the recovery is extended it is necessary to send medical certificates on the course of injuries at least every 60 days to the above address.
How to make a claim
The accident can conclude in two ways:
a) complete recovery
in this event refer directly to the
SAI:
SAI - Società Assicuratrice Industriale
Agenzia Generale Pisa Nord
via A. Battelli 3
56127 Pisa
Tel. +39 50 972411 Fax +39 50 580466
providing a certificate of full recovery in order to claim reimbursement of expenses.
b) recovery with after effects
in this case the student
must be visited by a medical doctor assigned by the insurance company to assess
the nature of the permanent injuries. This visit usually takes place after about
six months so that the damages raised can be considered permanent.
After this the SAI will propose compensation for the permanent injury and reimbursement of treatment expenses sustained.
For information refer to:
David Arduini
Ufficio Economato e patrimonio
e-mail: d.arduini@adm.unipi.it
Last update: 27-Nov-2006