What will your child’s ability to work be worth one day?
- A healthy child almost always passes the health check — and keeps the conditions for life
- Disability or basic abilities: we explain the difference honestly
- Signing later with pre-existing conditions: often expensive or impossible
The answer in 30 seconds
The ability to work is the biggest asset in a life — for your child it still lies entirely in the future. Insuring it in childhood uses the one moment when the health check is effortless: the conditions last a lifetime, whatever comes later. The options are children’s disability cover (for pupils) and basic-abilities insurance — which one fits depends on your child.
- Health check in childhood = almost always passed, conditions for life
- Basic-abilities cover pays on loss of abilities like seeing, walking, gripping — independent of any job
- Children’s disability cover protects pupils and later grows into the profession
- Later diagnoses cannot worsen the existing cover
- Part of the kids concept — advised as a package, free for you
Disability or basic abilities? The difference, honestly explained
Children’s disability cover insures “occupational disability” — for children, school attendance counts. If your child permanently cannot attend school, it pays a monthly pension. Its big advantage: it can later be converted into full occupational disability cover without a new health check.
Basic-abilities insurance is not tied to a job but to clearly defined abilities: seeing, hearing, speaking, walking, gripping, using your hands. If one of them permanently fails, it pays — regardless of what your child will do for a living.
Disability cover: strongest protection around school and later work
Basic abilities: clear, verifiable triggers — often the cheaper entry
Both lock in today’s health as a lifelong ticket
Which one fits your child depends on age, health and budget — exactly what we clarify in the call, honestly and without jargon.
Why now? The head start on conditions
Each of these insurances asks health questions — once, at signing. A healthy child answers them effortlessly. After that: whatever comes — an ADHD diagnosis, an allergy, an accident — the existing cover continues at the old conditions.
Low premiums, secured for life
Extendable without a new health check
The one moment that cannot be caught up on
What parents ask us
Isn’t this excessive for a healthy child?
The other way round: because the child is healthy, the cover is affordable now and available at all. Statistically, a relevant share of children develop diagnoses before adulthood that make signing later harder or costlier — from allergies to ADHD. Signing early is not a bet on illness; it secures a right to protection.
Which is better — disability or basic abilities?
There is no universal better. Disability cover protects more broadly around school and work; basic-abilities cover has clearly defined triggers and often the cheaper entry. We show you both in comparison — with your numbers.
Roughly what does it cost?
Premiums depend on age, tariff and benefit level — in childhood they are far below what adults pay for the same protection. We show concrete numbers in a multi-provider comparison before you decide anything.
Can the cover grow along?
Yes — good tariffs include guaranteed-increase options: at life events (training, first job, own family) the cover can be raised without a new health check. Exactly such clauses are what we watch for in the selection.
Is this part of the kids concept?
Yes — together with supplementary health, accident cover and the savings plan it is one of the four building blocks. The overview lives on the kids-concept page.
Do you know whether your policy contains that clause?
Most families do not — and find out at the worst possible moment. In the clarity call we look at your existing contracts together. Free, in English, even if you change nothing in the end.
Book your free clarity call