Reliable protection for your children
The nextsure children's accident insurance offers comprehensive protection and financial security in case your child has an accident. Prepare now for carefree adventures and a secure future.
Worldwide protection around the clock
High capital benefit in case of disability
Individually customizable tariffs online
Why is child accident insurance essential for your child?
Legal protection often inadequate
Accidents happen anytime and anywhere
Secure long-term financial consequences
More than just bone fractures covered
The key benefits of the nextsure children's accident insurance in detail
A child accident insurance is a fundamental component for your family’s financial security. Children are naturally curious and active, increasing the risk of accidents in everyday life—whether playing, at kindergarten, in school, or during leisure activities. Statutory accident insurance often only covers accidents in care facilities or on the direct way there and back. Private accidents, which make up the majority, are not covered here. The nextsure child accident insurance fills this gap and offers comprehensive protection that goes far beyond the statutory benefits. The core of our policy is the lump sum payment in the event of disability. Should your child suffer a permanent health impairment due to an accident, we provide an agreed sum. This can be used for necessary modifications, special therapies, or to compensate for future loss of earnings. Additionally, benefits like daily hospital allowance, recovery money, costs for cosmetic operations after an accident, or parental rooming-in costs in hospitals are often included. Assistance services, such as organizing remedial classes during prolonged absence from school, can also be part of the package. Another important aspect is coverage against accidental death, which at least provides financial relief during an already difficult time. At nextsure, you can flexibly adjust the scope of insurance to your needs and your child’s situation. We emphasize transparency and comprehensible contract conditions, so that you know exactly which benefits apply in an emergency and how you can ensure optimal accident protection for your child.
Our Services
Comprehensive protection for your child
Invalidity Protection
High capital performance in case of permanent consequences of accidents.
Valid worldwide
24/7 protection, no matter where you are.
Clinic allowance
Financial support during hospital stays.
Rooming-In
Coverage for parental accompaniment in the hospital.
Cosmetic Procedures
Coverage of costs for accident-related cosmetic surgery.
Sickness Benefit
Additional financial assistance after the hospital.
Salvage costs
Coverage of search, rescue, and recovery costs.
Poisonings
Protection against poisoning from solid/liquid substances.
Immediate Performance
Quick assistance for severe injuries.
Discover the building blocks of our children's accident insurance, which are specifically tailored to the needs of children and families to ensure financial security in case of emergencies.
Growing up carefree,
optimally protected.
Types of Accidents and Risk Situations: Where Children are Particularly at Risk
Children explore the world with open eyes and great energy, yet this spirit of discovery also poses accident risks. Statistics show that most accidents happen at home, during leisure activities, and in sports. Falls are the most common cause of accidents, whether from climbing frames, bicycles, or stairs. Particularly in the home, dangers such as burns from hot liquids or cuts lurk. On the roads, children as pedestrians or cyclists are especially at risk because they often can't correctly assess speeds and distances. Even when playing with friends, whether in the garden, on the playground, or in clubs, accidents can easily occur—from sprains to more serious injuries. The nextsure child accident insurance takes these various risk scenarios into account and provides protection regardless of where and how the accident occurred. An important component also includes protection against poisoning from household chemicals or plants, a risk that particularly affects toddlers. With comprehensive child accident insurance, you can ensure that in the event of an accident, your child receives the best possible medical care and potential long-term financial consequences are mitigated. Prevention is important, but a hundred percent protection against accidents is an illusion. Therefore, good insurance is an indispensable companion for a carefree childhood and protects against the financial consequences of child accidents.
Invalidity Benefit: Understanding the Core of Children's Accident Insurance
The disability benefit is the cornerstone of any good child accident insurance and plays a crucial role in covering long-term accident consequences. But what exactly does disability mean in the context of this insurance, and how is the benefit calculated? Disability is present when an accident leaves a permanent impairment of the child's physical or mental performance. The degree of this impairment (degree of disability) is expressed as a percentage and is determined medically. For this purpose, the so-called Gliedertaxe is used, a table that specifies the percentage applied for the loss or dysfunction of certain body parts or sense organs. For example, the loss of a thumb might be rated at 20% disability, complete blindness in one eye at 50%. The amount of the capital benefit paid is then determined by multiplying the agreed insurance sum by the determined degree of disability. Many policies also offer a progression: for higher degrees of disability, the benefit increases disproportionately. A 225% progression means, for example, that in the case of full disability (100%), 2.25 times the basic insurance sum is paid out. This capital benefit is freely available to the family and can be used for a variety of purposes: costs for medical treatments not covered by health insurance, adaptations to the home or car for accessibility reasons, special therapies, obtaining aids, or even financing future education if the child cannot pursue certain careers due to the accident's consequences. At nextsure, we provide you with comprehensive advice on the optimal level of insurance cover and the choice of the appropriate progression to ensure the best possible protection in the event of an emergency and to secure your child's financial future after an accident.
Additional components of children's accident insurance: Which extras are worthwhile?
In addition to the basic disability benefits, many children's accident insurance policies offer sensible additional components to optimise protection individually. An important addition is the daily hospital allowance. This is paid for each day your child has to spend in hospital due to an accident and can help cover additional costs such as travel expenses or loss of earnings of a parent. Convalescence pay often follows the daily hospital allowance and is paid for a certain period after discharge from the hospital to provide financial support during the recovery phase. Cosmetic surgery is another relevant component, as statutory health insurance often provides only limited coverage in this area. Especially with visible scars on the face or other exposed areas, a cosmetic correction can be very important for a child's self-esteem. Rooming-in costs, meaning the cost coverage for a parent's stay in the hospital, are a valuable addition, particularly for younger children. Search, rescue, and recovery costs can also be covered, which is particularly relevant in the event of accidents on holiday or during outdoor activities. An often underestimated but important component is coverage for poisoning, which is particularly significant for toddlers. Benefits such as death benefits, which in the worst case at least cover financial burdens like funeral costs, can also be included. At nextsure, we work with you to analyse the individual needs of your family and put together a package of benefits that offers optimal protection without causing unnecessary costs. Our digital tools help you transparently compare the various options and find the right child protection.
Scope of children's accident insurance: Is my child also insured abroad?
A frequently asked question from parents is whether children's accident insurance provides coverage during trips or stays abroad. The good news is: Yes, most modern children's accident insurance policies, including those from nextsure, offer worldwide coverage. This means that your child is insured against accidents around the clock, 365 days a year, no matter where they are in the world. This is particularly important for families who love to travel, whose children participate in student exchange programmes, or even study abroad. The insurance covers both short holiday trips and longer stays abroad. However, it is advisable to check the exact terms of the insurance contract before extended stays abroad or consult with the insurer, especially concerning the duration of the stay. Some policies may have time restrictions for full foreign coverage. It's also important to clarify how to proceed in the event of a claim abroad, what emergency numbers apply, and what documents are needed. The nextsure children's accident insurance ensures that disability benefits and other agreed lump-sum payments are provided regardless of the accident location. Costs for necessary medical treatments abroad exceeding health insurance coverage can also be covered depending on the tariff, as well as a medically necessary return transport to Germany. Ensure that your insurance is up to the challenges of your children's global adventures. Our digital portal provides you with access to your contract details and emergency contacts for insurance coverage abroad at any time.
Personal
Consultation
Tariff
Compare
Direct
Complete
Accident Report for Children's Accidents: What to Do in an Emergency? Step-by-Step Guide
If, despite all precautions, an accident has occurred, quick and correct action is crucial—not only medically, but also with regard to insurance benefits. Of course, the medical care of your child is the priority. Immediately seek out a doctor or hospital and have the injuries documented. Carefully keep all medical reports, diagnoses, and receipts. Inform us, your nextsure, about the accident as soon as possible. Many insurers, including us, offer dedicated claims hotlines or digital reporting portals to speed up the process. As a rule, we require the following information for the claims report: the name and date of birth of the insured child, your policy number, the time and place of the accident, and as precise a description as possible of the accident details and the injuries sustained. Please complete the claim forms we send you fully and truthfully. Submit all relevant documents, including medical certificates, hospital reports, police reports (in the case of traffic accidents), and invoices for any costs incurred. It is important to observe deadlines for reporting accidents and particularly for asserting disability claims. These are specified in your insurance terms. In severe accidents that are likely to lead to permanent disability, the insurance usually requests a medical report to determine the degree of disability. Cooperate in this and provide all necessary information. Nextsure will guide you through the entire claims process and is there to assist with any questions to ensure a prompt and fair settlement. Our goal is to relieve you of administrative burdens during this challenging time.
The right sum insured for children's accident insurance: How much protection is necessary?
Choosing the right insurance sum is one of the most important decisions when taking out children's accident insurance, as it primarily determines the amount of disability benefits in case of an emergency. Selecting too low a sum can lead to insufficient financial support to cover long-term costs. But how do you determine the right amount? There is no universally correct answer, as the need depends on various individual factors. However, experts often recommend a basic disability insurance sum that is at least three to six times the parents' annual gross income. Another rule of thumb is that a minimum of 150,000 to 250,000 euros should be aimed for as a basic sum, ideally with high progression (e.g., 350% or 500%). With a basic sum of 200,000 euros and 500% progression, one million euros would be paid out in the case of total disability. Consider what costs might arise for your family in the event of a severe, permanent disability: long-term care and support costs, modifications to the house or car, special therapies and aids, loss of earnings for a parent who takes on caregiving, or even a possible lifelong financial support for the child if unable to engage in gainful employment. It is advisable to choose a higher sum, as the additional cost in the premium is often lower than the potential financial shortfall in the event of a claim. Nextsure offers you transparent premium calculators and personal advice to determine the optimal insurance sum for the protection of your child, tailored to your family and financial situation. We also take future developments into consideration and adjust the coverage as needed.
Statutory Accident Insurance vs. Private Child Accident Insurance: What are the Differences?
Many parents believe their children are sufficiently protected by statutory accident insurance. However, this is a common misconception, as the statutory protection has significant gaps that only a private children's accident insurance can fill. The statutory accident insurance primarily provides cover for accidents that occur in kindergarten, school, university, or on the direct way to and from these places. The majority of children's accidents – around 70-80% – happen in private settings: at home, during leisure time, while playing, or doing sports. For these accidents, there is no entitlement to benefits from the statutory insurance. Another key difference lies in the type and amount of benefits. Statutory insurance mainly focuses on medical treatment and rehabilitation. Capital benefits for permanent disability are significantly lower than those of private accident insurance and are often only paid as a pension. A private children's accident insurance, on the other hand, provides a single, substantial lump-sum payment for disability, the amount of which you can determine and which is freely available. Additionally, private coverage offers worldwide protection, around the clock, while statutory insurance is usually limited to the domestic area. Additional benefits such as daily hospital allowance, recovery allowance, cosmetic operations, or rooming-in are generally not included in statutory insurance but can be important components of a private policy. The nextsure children's accident insurance ideally complements the basic protection of statutory insurance, ensuring comprehensive financial security regardless of where and when an accident occurs and thus offers essential protection for accidents in leisure time.
From what age can I insure my child?
Selecting the right tariff for children's accident insurance can be a challenge given the plethora of options. First, ensure an adequately high base sum insured for disability and the highest possible progression (at least 225%, ideally 350% or 500%). Check the limb compensation scale: it should be fair and transparent. Some tariffs offer improved limb compensation scales, which provide higher disability grades for certain injuries. Another important aspect is the range of accidents covered. Ensure that poisoning, drowning accidents, or health damage from tick bites (FSME/Lyme disease) are also insured. Review the conditions regarding contribution percentages: existing illnesses or conditions should not unduly reduce the entitlement to benefits (a contribution percentage of 25-50% is common). Meaningful additional benefits such as daily hospital allowance, recovery allowance, rooming-in costs, and coverage for cosmetic surgery costs can enhance the protection. Pay attention to the global applicability and duration of foreign protection. Clarify whether there are age limits for contract conclusion or benefit duration. Some tariffs offer a so-called 'inside-outside rule' that also covers health damage from self-movement or increased exertion. Compare not just the price, but especially the price-performance ratio. A cheap tariff with low benefits is of little use in an emergency. nextsure values transparent contract conditions and offers you the opportunity to compare and customise tariffs digitally. Use our expert advice to find the optimal insurance cover for your child.
