Do you have to inform insurance about allergies?

[Guest]

We have a serious nut allergy in our setting. Do we need to inform insurance. Our admin tells us 'they never asked' but should we bring it up and declare it. I don't know if it will affect our cover or cost etc. It is not due for review until Feb.

[Guest sn0wdr0p]

We are with PLA and we had to tell them about a child with a serious nut allergy and give evidence of epipen training and a note from the doctor!

[redjayne]

Same here with children who had Epipens - a letter from the nurse who trained us how to use the pen explaining about the child's allergy and who was trained was all we needed to supply but yes insurance provider does need to be informed but no difference on premiums. :1b

[Fredbear]

Yes thats what we do too, with the PSLA.

Didn't cost us anymore money though.

[blondie]

we did too -we had to have letter from doctor detailing allergy - what symptoms would be etc - we also had to have epi-pen training - copies of the letter and epi-pen training were sent to insurance company they then sent back letter confirming was fine for child to attend.

not sure how you would stand insurance wise without this - we were not allowed for the child to attend until this was done per insurance company - so mum stayed until this was done

didnt affect premiums

Edited October 2, 2012 by blondie

[diesel10]

I am just updating our policies and the PLA states this

 

 

Life saving medication & invasive treatments

 

Adrenaline injections (Epipens) for anaphylactic shock reactions (caused by allergies to nuts, eggs etc) or invasive treatments such as rectal administration of Diazepam (for epilepsy).

 

§ The provider must have:

 

- a letter from the child's GP/consultant stating the child's condition and what medication if any is to be administered;

 

- written consent from the parent or guardian allowing staff to administer medication; and

 

- proof of training in the administration of such medication by the child's GP, a district nurse, children’s nurse specialist or a community paediatric nurse.

 

§ Copies of all three letters relating to these children must first be sent to the Pre-school Learning Alliance Insurance Department for appraisal (if you have another provider, please check their procedures with them). Confirmation will then be issued in writing confirming that the insurance has been extended.

 

Presume this is the procedure if your insurance is PLA.

[Smiles]

What about itf its a student?

[Guest babyjane31]

we to have just had this come up for a child that was already attending but just diagnosed with a nut allergy and given an epi pen.

 

We have had to stop the child coming until we get everything in place, training, letter of diagnosis from consultant with protocol sheet, and permission forms. We're looking at this child not being able to attend for about 3 weeks whille I sort this. Mum understandably is not very happy but cannot stay with him as she works whilst he's with us but my hand are tied as we are not insured to administer the epi pen without it.

[Thumper]

Yes for a child, student or worker your insurance must be notified.

 

We had to call, get epipen training, copies of documents for person with the allergy. We didn't have to exclude the child fon the setting at all as the hospital emailed through the letter which we in turn forwarded to the insurance. As for epipen training the nurse from the local surgery popped in that afternoon and showed us how to use it.

 

Hope that helps

[Sue R]

I have a severe allergy to latex (quite a problem in childcare!!) and have an EpiPen. We had training from an allergies nurse and informed Insurance company. Management completed a risk assessment for me which was displayed in the staff room and a copy in Office and my personal file.

 

The biggest problem was making nursery users aware and stopping the casual arrival of balloons, in my case!