Insurance for PhD holders with or without scholarships, scholarships and research grants

The insurance is intended to cover injuries sustained while performing duties, tasks, activities, and responsibilities, whether institutionally mandated, permitted, or delegated, including collateral ones, with no exceptions or exclusions, and in general, anything not in conflict with the provisions of its own regulations, which are declared by the University of Turin and carried out
at its own premises and/or at third-party premises or in identified locations, in Italy and/or abroad, resulting in death, permanent disability, or other consequences, guarantees, and/or conditions envisaged.

1. The injured person must go to the nearest emergency room or to their general practitioner to determine the existence and severity of the injury, explaining the causes and circumstances of the accident to the medical staff. The examining doctor (emergency room or general
practitioner) will issue an initial medical certificate of injury with a diagnosis and prognosis.
2. The injured individual must promptly report the injury to the Contractual Applications Section of the University Human Resources Department, via email at [email protected], forwarding the medical certificate and any other documentation deemed useful. Even if the prognosis is zero days, the employee is required to promptly notify [email protected]
3. In order to comply with legal obligations, the Contractual Applications Section of the Personnel Department electronically transmits a copy of the medical certificate to INAIL and transmits the documentation relating to the accident to the University Insurance System Area of ​​the General Affairs and Cultural Heritage Directorate.
4. The University Insurance System Area forwards the insurance claim to the accident insurance company.
5. The injured party will receive notification from the University's insurance broker that the insurance claim has been opened.
6. The injured person must send to the University Insurance System Area - via the email address [email protected] - all supplementary medical documentation and any invoices/fees/paid tickets relating to medical expenses incurred and resulting from the accident, for the purposes of reimbursement
7. The injured person must send the medical certificate confirming the conclusion of the accident to the University Insurance System Area - via the email address [email protected] - ​​where available, which will be sent to the University Insurance Company, to finalize the accident
insurance practice. Finally, the injured party may be summoned for a medical-legal examination, depending on the circumstances of the accident.

The guarantee is also provided for the risk in progress, that is, for accidents that may occur during the journey:

• from the place of residence/domicile/work and from the place of study/work (e.g. Departments/Libraries/Classrooms/Different places etc.) to another place where institutional activities are carried out (e.g. Companies, Public/Private Bodies, Construction Sites etc.) and vice versa
• from one place where institutional activities are carried out to another place where institutional activities are carried out and vice versa (in the case of activities in multiple locations)
• from one place of study to another place of study and vice versa provided that these injuries occur during the time strictly necessary to complete the journey by ordinary means and by means of transport (private or public), before or after the start and end times of the activities. This extension is active for all insured categories with the exception of the policyholder's employees.

The insurance is provided under the policy conditions for the specific guarantees and amounts listed below:

• €620,000 - Death
• €620,000 - Permanent disability
• €10,000 per person - Reimbursement of medical expenses from an accident
• €5,000 per claim - Reimbursement of medical transportation expenses
• €1,000 per person - Reimbursement of expenses for the purchase of contact lenses
• €1,000 per person - Reimbursement of dental expenses
• €10,000 per person - Cosmetic damage
• €2,500 per person - Repatriation of remains
• €5,000 per claim - Medical repatriation.
   

Geographical limits: Validity worldwide.
For detailed information regarding additional insurance guarantees, please consult the contents of the policy contract and Circular No. 13/2023 of 17 July 2023.

When studying, teaching, or researching abroad, check with the relevant authorities about the host country';s socio-health and political situation. Also check:

• at the destination country (intra-EU or non-EU), the expected healthcare arrangements
• at the local health authority (ASL), the need or otherwise to enrol in
  preventive healthcare.

The accident insurance policy provides a guarantee for the reimbursement of medical expenses arising exclusively from an accident but it is not a health insurance policy because the guarantees relating to the reimbursement of medical expenses are intended to be provided only in relation to the occurrence of an accident that you suffer during the performance of tasks, duties, activities and responsibilities, institutionally foreseen, permitted or delegated, even collateral ones, without exceptions or exclusions and in general everything that does not conflict with the provisions of your own legal system.

Therefore, if study, teaching, or research activities are carried out abroad, students are encouraged to carefully consider healthcare options and the possible acquisition of a personal health insurance policy that meets their specific needs, at their own expense.

The insurance policy also includes coverage for injuries sustained while using the service vehicle for official purposes.

The third-party liability insurance policy guarantees the aforementioned insured parties for what they are required to pay, as civilly liable pursuant to the law, as compensation (capital, interest and expenses) for all damages, not expressly excluded, involuntarily caused to third parties due to death, personal injury and damage to property and animals, as a result of an event occurring in relation to the activities and responsibilities institutionally foreseen, permitted or delegated, including collateral ones, without exception or exclusion and in general everything not in conflict with the provisions of their own regulations, carried out on the University premises and/or branch offices and/or third-party offices (public and/or private entities) and/or different places and their branches, in Italy and/or abroad.

Insurance coverage is provided for a maximum of €40,000,000 per claim.

The maximum amount indicated in any case constitutes the Company's maximum exposure even in the event of a claim involving the liability of multiple insured parties.

Damage to items in delivery/custody and damage to items delivered and not delivered pursuant to art. 1783 et seq. of the Civil Code are compensated up to a maximum of €500,000.

Theft damages are compensated up to a maximum of €150,000 per claim and per insurance year.

Geographical limits: Valid worldwide.

For detailed information regarding additional insurance guarantees, please consult the contents of the policy contract and Circular No. 13/2023 of 17th July 2023.