FAQ - Accident insurance

An accident is a hypothesis of objectively verifiable bodily injury resulting from a fortuitous, violent, and external cause that results in permanent disability or death.

Bodily injuries are covered by accident insurance policies where they result in permanent disability and/or death.

Permanent disability is the total, definitive and irreparable loss of an individual's ability to perform any work following an accident.

When the accident occurs, once the situation has stabilized, a medical examination is carried out by the forensic doctor, in which the so-called permanent disability score and the consequent compensation are established.

A death event means death, including the declared state of"irreversible coma", resulting from an accident.

An insurance claim is the occurrence of the damaging event for which the insurance guarantee is provided.

An accident insurance claim is a damaging event that occurs during the performance of tasks, duties, activities and responsibilities, institutionally foreseen, permitted or delegated, even collateral ones, with no exceptions or exclusions and in general everything 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 places, in Italy and/or abroad, from which death, permanent disability or other consequences, guarantees and/or conditions foreseen arise.

Instructions to follow in case of injury:
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 injured individual 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/receipts 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.

An accident insurance claim occurs in Italy or abroad, during the performance of tasks, duties, activities and responsibilities, institutionally foreseen, permitted or delegated, even collateral ones, with no exceptions or exclusions and in general everything that is not in conflict with what is envisaged by the relevant legal system.

An event that does not fall within the duties, tasks, activities, and responsibilities, whether institutionally foreseen, permitted, or delegated, including collateral ones, cannot be considered an accident. To qualify an event as an accident, the cause of the event must be traced back to the performance of duties, tasks, activities, and responsibilities, whether institutionally foreseen, permitted, or delegated, including collateral ones, with no exceptions or exclusions, and in general, anything that does not conflict with the provisions of the relevant legal system. 

It is necessary to check the socio-political situation of the host country with the relevant agencies and to verify with the local health authority whether or not it is necessary to adhere to health prophylaxis, as well as to verify the healthcare system foreseen in the destination country (intra-EU or non-EU).

The accident insurance policy covers the insured party even during the Erasmus period.

The accident insurance policy provides reimbursement for medical expenses arising exclusively from accidents.

The accident insurance policy 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 injuries that the insured parties suffer during the performance of activities, tasks, duties, activities and responsibilities, institutionally foreseen, permitted or delegated, even
collateral ones, with no exceptions or exclusions and in general everything that does not conflict with the provisions of the relevant legal system.

The cost of initiating insurance coverage for accidents and civil liability of general interest to the University will be borne by the University.

Accident and civil liability insurance coverage is effective upon proof of continued employment with the University, which is consistent with the insured person's status, in accordance with the relevant teaching regulations.

The accident insurance policy for the period from 12:00 a.m. on December
31st, 2022 to 12:00 a.m. on December 31st, 2027, envisages the following
insured amounts:
● €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.

The accident insurance policy also provides coverage for travel risks, i.e., accidents during the journey from the place of residence/domicile/work and from the place of study/work (e.g. Departments/ Libraries/ Classrooms/ Different locations, etc.) to the place of study/work or another place where institutional activities are carried out (e.g., Companies, Public/Private
Bodies, Construction Sites, etc.) and vice versa; from a 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) and from a place of study to another place of study and vice versa, provided that such accidents 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.