The beginning of the school year: September is one of the most dangerous times for accidents involving children and young people

Starting school year brings new challenges, activities, and increased independence for children, but it also exposes them to greater risks. September has emerged as one of the most dangerous months for accidents involving children and teenagers, according to data from Triglav Insurance. The month immediately following June sees the highest number of reported incidents among minors. As students return to classrooms, they re-enter sports, school-related, and other activities that increase the likelihood of injuries. While most childhood accidents result in minor consequences, more severe injuries can significantly impact family life, making both prevention and appropriate protection essential. Over the past five years, more than 14,000 accidents have been recorded among children and adolescents. Those aged 10 to 14 years old are particularly vulnerable. The most common injuries occur during sports activities, while playing and traveling to and from school or home also contribute to the risk. The number of sports-related accidents has risen in recent years. Most incidents lead to temporary effects, but some mark a lasting change in a child's life. Mila Markovska, director of the Personal Insurance Service at Triglav Insurance, emphasizes that childhood is a period of exploration, movement, and new experiences, which makes injuries difficult to entirely avoid. Although most injuries are mild, statistical data shows cases of more serious injuries that disrupt daily life for both the child and their family. Therefore, alongside prevention, it is crucial to consider how to provide children with a safer environment and support in case of unexpected events. More than half of all childhood accidents reported by Triglav Insurance involve fractures. Combined with sprains, dislocations, and head injuries, these account for approximately 95% of all cases. The majority of injuries result from falls, collisions, and similar incidents, followed by impacts with objects. Injuries to the arms, wrists, and ankles are frequent, with fractures being prevalent. There is a notable difference in accident rates between genders. Boys suffer approximately 80% more injuries than girls, primarily due to their higher exposure to risks associated with play, sports, and other activities. Despite this, Markovska stresses that prevention and awareness remain vital for all children, regardless of age or gender. She advises against relying on stereotypes that assume boys are more prone to injury, emphasizing that proactive measures benefit everyone. Special attention should also be given to the safe use of micro-mobility devices such as scooters and electric bikes. Experts have noted an increase in accidents related to their use in recent years. Common injuries include damage to hands, wrists, and ankles, with fractures being a frequent outcome. To address this, Triglav Insurance collaborates with partners to promote awareness of safe urban mobility practices. Accidents affect not just the child but also the family. While all accidents cannot be prevented, families can reduce their burden through timely consideration of potential consequences. Severe injuries often require long-term treatment, rehabilitation, and time away from work for parents, along with additional costs that many families are unprepared for. Markovska highlights the importance of fully supporting the child and their recovery in the event of a serious incident. She advocates for discussing risks and their implications well in advance rather than waiting until an accident occurs. As the new school year begins, parents increasingly seek solutions that offer both everyday prevention and financial security in the face of unforeseen events. Triglav Insurance has renewed its Children and Teenagers' Accident Insurance, placing protection against the consequences of the most severe injuries at the forefront. This includes coverage for 100% of the cost of major injuries, with payouts reaching up to 1 million euros under the Comfort package.