School protection with orphan insurance

The United Nations Children’s Fund (UNICEF) estimates that 862,365 boys and girls from 21 countries had been orphaned or had lost a custodial grandparent due to death associated with contagion by Covid-19.

Mexico is the country with the highest number of girls and boys orphaned by a father, mother or both with 131,325 minors in this situation of the six countries analyzed in the Americas. “In addition, our country is the first with minors who lost their main caregiver, with a number that rises to 141,132”, as analyzed by Hillis et al., 2021 and which were taken up in the document “the orphan caused by pandemic ”, from Belisario Domínguez Institute of the Senate of the Republic.

A few days ago, I learned about the case of 13-year-old Angelica, 15-year-old Mauricio and 17-year-old Sebastián who lost their parents in less than a month. During the second week of September, the adolescents’ father died of the pandemic and in the first week of October, their mother died of cancer that worsened with the Covid-19.

The adolescents’ uncles investigated and found that the school insurance included coverage for orphans, which consists of full payment for studies for students who have lost their family breadwinner due to death, total and permanent disability or due to legal declaration of absence; that comes into effect from the date on which any of the three events occurs and until the completion of their professional studies.

“It is important to know the terms so that the benefit can be obtained, for example, they cannot fail, miss classes (not even in moments of mourning, have an average above 8, have updated information, comply with the corresponding payments each beginning of the school year and clearly specify who is the main tutor ”, he commented in an interview with The Economist, Blanca Rosa González, Blanca’s mother, a 15-year-old student who has school insurance.


The orphan’s insurance is applied when the person designated by the student as his economic supporter dies, either his father or mother or who has parental authority, which in some cases may be grandparents or uncles.

It is important to consider that the financial support cannot be modified during the corresponding semester or year. The decision of the selection of the main tutor is very important since the changes will be made every start of school period.

Parents or guardians should know what the school insurance includes, since in some cases the coverage corresponds to 100% of both the enrollment and the tuition fees, but there are policies that establish that depending on the grade is the percentage to be covered in the tuition fees.

The student’s obligations include respecting and complying with all the provisions established by the Regulations, maintaining good conduct within the Institution, registering in a timely manner and must cover any additional payment, such as: courses, workshops, diplomas, exams and activities extracurricular.

School insurance has a cost between 850 and 2,500 pesos in each new school year and there are various insurers that offer it to elementary schools, middle schools, high schools and universities.

“Not all schools include the orphan policy, the vast majority are focused on major medical expenses in the event of an accident within the facilities or on the trips from home to school and from school to home,” concluded González , who has experience with his three daughters.

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