The kids concept: everything a child actually needs
Build wealth and protect it — one plan instead of four separate decisions.
- The children’s savings plan as the foundation — wealth that grows along
- Health and accidents covered before they get expensive
- One point of contact for everything — properly coordinated
The kids concept in 30 seconds
Four building blocks, one goal: your child starts life protected AND with capital. The trick of starting early: children almost always pass the health check — securing conditions that are often out of reach for adults. Advised as one package, free for you.
- Kids disability/abilities cover: tomorrow’s workforce — insured young, affordable for life
- Supplementary health: braces, top physicians & co. plannable instead of expensive
- Accident cover: worldwide, around the clock — not just nursery and school
- The savings plan stays the foundation — the blocks protect it
Why so early? Your child’s head start on conditions
Insurers ask health questions. A healthy child answers them effortlessly — and that is the head start: once accepted, the conditions last a lifetime, whatever comes later.
Entering young means low premiums, secured for good
Later diagnoses cannot worsen the existing cover
Many children’s tariffs can be extended later without a new health check
What belongs in the kids concept?
Four building blocks, one idea: first the foundation (the savings plan), then protection for whatever could endanger it — health, accidents, tomorrow’s ability to work. Not every family needs all four; we sort out which ones make sense for you — and tell you where you need nothing.
The four building blocks at a glance
What parents ask us
Does a child really need disability cover already?
It is about tomorrow’s ability to work: insured as a child, the health check happens at the best possible moment and the conditions last for life. As an adult with pre-existing conditions, exactly this cover is often expensive or unavailable.
Doesn’t statutory accident insurance pay?
Only in nursery, school and on the direct way there. The fall from the climbing frame on a Saturday, the bike accident on holiday — that needs private cover, which applies worldwide and around the clock.
What does supplementary health insurance actually add?
It makes plannable what statutory insurance does not pay: braces, treatment by senior physicians, single rooms, glasses, cover abroad. Braces alone hit many families with four-figure bills — insured, they become a formality.
Does it all have to happen at once?
No. Together we look at what fits your family and in which order — designed as a package, implemented at your pace. The advice costs you nothing.
Which blocks does your child actually need?
45 minutes, free — we sort out together what makes sense and what does not.
Free initial consultation