Children are curious and active, and sometimes they get into situations that carry a certain risk of injury. That is normal and part of healthy development, but it also means accidents can be part of a child's everyday life. Child accident insurance (Kinderunfallversicherung) gives financial protection if an accident leaves permanent damage, and gives parents the assurance that they are ready for any eventuality.
In Germany, children at school are covered by statutory school accident insurance (Schülerunfallversicherung), which is funded by the federal states. But it covers only accidents on the way to school or at school. Accidents at home, during sport, while playing in free time or in other private settings are not covered. Yet these are the very areas where accidents are most likely, as figures from the Federal Statistical Office show again and again.
Statistically, most accidents involving children happen at home and in their free time. Whether climbing a tree, cycling, running around on the playground or winter sports, children get hurt more often than adults. In many cases these injuries heal without lasting damage. But sometimes accidents leave permanent impairments that affect the child's life for years and need special support. Child accident insurance makes sense for exactly these cases.
Child accident insurance is for all parents who want to protect their children against the financial consequences of serious accidents. In case of disability, the insurer pays a one-off lump sum that can be used for the child's special needs, necessary changes to the home, therapies or future costs.
When choosing child accident insurance, parents should look at the sum insured, the Gliedertaxe (the scale that sets benefits by body part), the progression factor and how the policy defines an insured accident.
We help you find the right policy for your family. Your children deserve the best possible protection.
Child Accident Insurance Benefits
Separate child accident insurance from birth to age 17.
Core benefits as in adult accident insurance: disability benefit for permanent impairment, 24-hour accident advice worldwide, recovery benefits up to 10,000 euros, cosmetic surgery up to 100,000 euros, rescue and recovery up to 100,000 euros, progression 500.
Features for children: Cover at school, nursery, in free time and at home. Valid 24/7 worldwide. Unfallhilfe-Family: Advice services for relatives. Rundum Service: Household help and transport services for up to 6 months after an accident.
Smart, Komfort and Premium tariffs with the same levels as adult insurance. Automatic increase (Dynamik) of at least 5% a year. Tax-deductible as provision expenses.
