Child Accident Insurance
Because the school's insurance does not cover every risk
Children are curious explorers, but public accident insurance only covers accidents at school, daycare, or on the way there. Most childhood accidents happen at home, during leisure time, or while playing sports, where no legal protection exists. Our child accident insurance covers exactly these risks.
Benefits of this insurance
Covers accidents at home, during leisure time and while playing sports, not just during school hours.
Includes specific child-focused benefits such as dental costs, tick bites, or vaccine damage.
Covers accommodation for a parent in case of the child's hospitalization.
Can be taken out from the child's birth.
What is covered
Disability from an accident
Lump-sum benefit in case of permanent disability resulting from an accident, regardless of where it happens.
Dental treatment after an accident
Covers the cost of dental treatment resulting from an accident, an especially relevant coverage during childhood.
Tick bites and vaccine damage
Coverage for consequences of tick bites and possible vaccine-related damage.
Parent companion coverage
Covers accommodation for one parent during the child's hospitalization (rooming-in).
What is not covered
Accidents during school hours
Accidents at school, daycare, or on the way there are already covered by public school accident insurance.
Common illnesses
Illnesses unrelated to an accident are not covered by this policy.
Real claim examples
Fall at the park with dental injury
Over the weekend, Elena's son falls at the park and breaks several teeth. The insurance covers the dental treatment resulting from the accident.
Disability after a sports accident
Carlos's daughter suffers a serious injury while playing sports outside school hours, leaving her with permanent partial disability. The insurance pays the agreed lump sum.
Frequently asked questions
Why isn't school insurance enough?
Because public accident insurance only covers school, daycare and the way there; most childhood accidents happen at home or during leisure time.
From what age can I take it out?
There is no minimum age; you can take it out from the child's birth.
Does it cover dental treatment?
Yes, it covers accident-related dental treatment costs, an especially important benefit during childhood.
What is the KinderZusatzschutz?
It's an add-on with specific child-focused benefits, such as tick bites, vaccine damage, or a parent's accommodation in the hospital.
Want to protect your child beyond school hours?
Tell us your child's age and we will recommend the right coverage.
Request free advice