Insurances are completed as a rule for adults. Usually is disregarded, that children are the bigger risk group. How do I protect my child? Experts are reach an agreement: Who wants to protect his child meaningfully needs at most four insurances.

1. Private casualty insurance

If a child becomes invalid by an accident, it´s often a big financial problem for the family too. The mother or father often has to give up the profession. And the child is not able to earn his own money later. The legal casualty insurance pays only when the accident happens in nursery school, on the way to school and during schooldays.  

2. Disabilty insurance

A standard casualty insurance normaly pays for hindrances happening by accidents. More often illnesses are responsible for getting invalid. Exactly in this case the disability insurance helps. Another difference: A standard casualty insurance usually pays a larger sum only for one time. Disability insurances mostly pays a pension for whole life.

3. Private third-party insurance

Children aren't only victims -- they can also cause damages. A private third-party insurance insure the parents including their children for the time they are in education.

4. Risk life insurance

This assurance gives an uncomplicated and meaningful protection for the absolute emergency: For the death of one or both parents. The contributions aren´t very high.