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Children's Insurance — Coverage for the Little Ones | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Insuring Children

Children need special protection. We'll show you which insurance policies make sense for your little ones.

Which Insurance Policies Do Children Need?

Not all children's insurance policies are necessary — but some are essential. We help you keep track and make the right choices.

Sensible Coverage Options

Children's Accident Insurance

Kids romp, climb, and explore — accident insurance provides protection in the event of permanent injuries.

Health Insurance

Statutory family insurance or private health insurance child tariff — we advise you on the best option.

Liability Insurance

Children are covered under the family liability insurance — pay attention to children below the age of tort liability.

Supplemental Dental Insurance

Orthodontic treatment can be expensive — supplemental dental insurance helps.

Saving for the Future

ETF savings plan or education insurance — starting early pays off.

Who is this consultation especially important for?

Young Parents

Coverage for the new family situation — from liability to retirement planning.

Families with Children

All-round protection for the whole family with an optimized price-performance ratio.

Single Parents

Specialized coverage for single-parent families — disability insurance and survivor protection.

Which coverage is important?

Versichert

Personal Liability Insurance
Disability Insurance
Home Contents Insurance
Retirement Provision
Term Life Insurance

Nicht versichert

Unnecessary duplicate insurance policies
Over-insurance through excessively high coverage amounts
Insurance policies without genuine need

How We Support You

Analyze Your Life Situation

We discuss your current situation, your plans, and your existing insurance coverage.

Determine Your Protection Needs

Together we identify which insurance policies are important right now and where gaps exist.

Secure Optimal Coverage

You receive a personalized concept with the best rates from over 150 insurance companies.

No, children are covered under the family liability insurance. Make sure that children who are not liable under tort law (under 7 years of age) are included in the coverage.

From school age (approx. 10 years), occupational disability insurance policies for pupils can be taken out — at particularly favorable rates.

Between 3 and 8 EUR per month, depending on the sum insured and scope of benefits. For such a small premium, the protection against disability due to an accident is immensely important.

Children under 7 (under 10 in road traffic) are not liable under tort law. Nevertheless, we recommend including them in the family liability insurance. At the latest when your child has their own income, they will need their own policy.

Request Child Check

Which insurance policies does your child need? We advise you free of charge.

Child Check — free and non-binding

We review the insurance coverage for your little ones.

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