🛡️ Accident Insurance in Germany – Especially Important for Children
Accidents happen every day – on the playground, on the way to school, or during sports. Most injuries heal quickly. But what if they don’t? Private accident insurance in Germany protects you – and especially your child – from the long-term financial consequences of serious accidents.
👧 Why Kids Need Special Protection
Most accidents involving children are not covered by state systems like statutory accident insurance (gesetzliche Unfallversicherung), which only protects during school or kindergarten hours – and only in very specific situations.
Over 70% of child accidents happen in free time – not in school or daycare. That’s where private accident insurance becomes essential.
🚫 Not Just About a Broken Arm
Yes, a broken arm is painful. But it heals. That’s not what good accident insurance is for. The real purpose is this:
- 🧠 What if your child suffers a brain injury in a fall?
- 🦵 What if they can’t walk or use their hands normally anymore?
- 🛏️ What if they require assistance for daily life long-term?
That’s when a well-designed accident insurance policy makes a life-changing difference – ensuring financial support for therapy, training, home adaptations, or lifelong care.
💡 What to Look for in a Good Policy
- Erweiterte Gliedertaxe (Extended Limb Table): Ensures higher payouts if major body functions (e.g. arm, leg, eyesight) are impaired
- High Capital Sum (Grundsumme): Should be at least €200,000 – ideally with progression (e.g. 350–500%)
- Worldwide 24/7 coverage: Not just during school or sports
- No exclusion for typical children’s injuries: e.g. trampoline or bicycle
📚 Real-World Example
Emma, 6 years old, fell from a climbing wall and suffered spinal trauma. With no private accident insurance, the family had to fund €20,000 for therapy, home adjustments, and special schooling support – with no long-term disability payment.
With the right policy and Erweiterte Gliedertaxe, the family would have received up to €250,000 in tax-free lump-sum capital – providing real security for Emma’s future care and mobility needs.
👨👩👧👦 For Expats and Families – Secure Peace of Mind
Whether you’re a new family in Germany or already settled – accident insurance for your children is a must-have. It’s affordable, flexible, and covers what really matters: your child’s ability to live independently and safely, no matter what life brings.
📲 Get Help Choosing the Right Plan (English-Speaking Support)
Protect your child’s independence and future – with a policy that truly helps when it counts.
Not all policies are created equal. We help you compare top insurers, explain your options in plain English, and tailor the coverage to your family’s needs.
Protect your child’s independence and future – with a policy that truly helps when it counts.
