Insurance students

Insurance information for students and outgoing interns from LUCA

LUCA is insured under the policies of the KU Leuven Association. All information about these policies can be found on the KULeuven association network: https://admin.kuleuven.be/sab/vz/associatienet.
As a student or intern you are also individually insured for certain claims or physical accidents. You should always report this to the authorized LUCA contact person:
https://admin.kuleuven.be/sab/vz/contactpersonen-uc/contact-luca
More information about this: https://admin.kuleuven.be/sab/vz/index.html#student

How am I insured in the event of a physical accident?

As a student:
We talk about a student accident when a student enrolled at LUCA has a physical accident during an activity related to college life.
More information about what to do specifically in the event of a student accident: https://admin.kuleuven.be/sab/vz/studentenongevallen

As an intern:
A physical accident that happens to you as an unpaid intern during an internship activity as part of your training (mandatory study internship) or during a voluntary study internship is not considered a student accident but an industrial accident. In this case, you follow the reporting procedure for industrial accidents that also applies to staff members (including student workers) and registered volunteers.

More information about what to do in concrete terms in the event of an industrial accident during an internship activity: https://admin.kuleuven.be/sab/vz/associatienet/arbeidsongevallen
Exception: In the event of an accident during an observation internship, the procedure for student accidents must be followed.

What is civil liability (BA) and how am I insured?

As a student:
If you, as a student, make a mistake, are careless or negligent during a university-related activity and thereby cause damage to a third party, you are in principle civilly liable for this. The civil liability of students is insured by the university's collective civil liability insurance.

However, if you as a student have your own BA insurance (a family insurance or the individual BA-private life policy taken out through LUCA), this always takes priority over the collective BA policy of the college. If necessary, the contact person at the university will have to refer you to your own insurance if you become aware of a claim that you caused during lessons or study activities (not during an internship).
The contact person at the university also always informs the insurance department whether the student has his or her own insurance.
In the absence of your own policy, the collective ABA policy of the university of applied sciences intervenes.

As an intern:
Even if you make a mistake, are careless or negligent during an internship activity (mandatory or voluntary study internship) and therefore cause damage to a third party, you are in principle civilly liable for this. In these cases, civil liability is insured by the civil liability insurance of the company or organization of the internship provider.
More info: https://admin.kuleuven.be/sab/vz/stages-verzekeringen#section-3

As a student, how am I insured against damage or accidents during a trip abroad?

Here we must first and foremost make a distinction between travel at the initiative of the student and at the initiative of the college/course:

For trips initiated by the course itself in which students must participate: you are covered by LUCA's travel assistance insurance.

More about this: https://admin.kuleuven.be/sab/vz/reisbijstand-uc-uitgaand-hogeschool

Travel at the student's initiative, but supported/approved by the program; As a student, you take action to go abroad as part of your studies: an Erasmus study period, an internship abroad, a thesis research, etc. You can optionally join LUCA's travel assistance policy for the period of your stay .

More about this: https://admin.kuleuven.be/sab/vz/reisbijstand-uc-uitgaand-student

Travel on the student's initiative, without approval from the program or as a private initiative of the student himself: no coverage by LUCA's travel assistance insurance.