Optimal protection for active children
Protect your child optimally: The student accident insurance from nextsure offers comprehensive protection against accidents at school, during leisure time, and at home. Find out more and sign up digitally now!
24/7 Worldwide Protection
High disability benefits
Digital & Simple at nextsure
Why is a private student accident insurance indispensable?
Closes gaps in statutory accident insurance.
Covers financial consequences in case of disability.
Performs worldwide, even during leisure time.
Offers customised rates and additional services.
The statutory accident insurance for students: What is covered and where are the limits?
The statutory accident insurance (GUV) provides essential basic protection for pupils, which applies during school attendance, on the direct way to school, and at official school events. It covers costs for medical treatment and rehabilitation. However, the GUV has significant gaps: accidents occurring during leisure time, which statistically constitute the majority of children's accidents, are not covered. Playing on the playground, sports in clubs, or accidents at home are not protected by the GUV. Moreover, the financial benefits, especially in the case of severe accidents with permanent disability, are often insufficient to cover long-term costs for care, special therapies, or necessary modifications. The standardised rates of the GUV can rarely fully meet the individual needs of a seriously injured child and their family. A private pupil accident insurance from nextsure closes these critical coverage gaps by providing comprehensive 24-hour protection worldwide and ensuring agreed, needs-based benefits in an emergency. This ensures your child is optimally protected not only during school time but in all life situations.
For your child
Our service components at a glance
Invalidity Protection
Financial security in the event of permanent damage.
Accident pension
Lifelong monthly support in cases of severe disability.
Clinic allowance
Financial assistance for every day in hospital.
Sickness Benefit
Support for the recovery phase after hospitalisation.
Salvage costs
Coverage of search, rescue, and recovery costs worldwide.
Cosmetic Procedures
Coverage for accident-related cosmetic surgeries.
Rooming-In
Costs for parental accommodation in the hospital.
Tutoring
Tutoring costs due to accident-related school absence.
Immediate Performance
Quick financial assistance for serious injuries.
Customised Protection Tailored for Students
Carefree into the future
Calculate student accident insurance now!
Services in Detail: What does the student accident insurance from nextsure cover?
The student accident insurance from nextsure offers a comprehensive benefits package designed to provide the best possible financial protection for your child and family in the event of an accident. The core component is the capital benefit in case of disability: Depending on the chosen plan and severity of the accident-related permanent impairment, a pre-agreed sum will be paid out. This can be used for necessary modifications, special therapies, aids, or to compensate for future disadvantages. Many of our plans also include a progression, which increases the benefit disproportionately for high degrees of disability. Additionally, you can select important components such as an accident pension, which guarantees a lifelong monthly payment in the case of severe disability. Daily hospital allowance and recovery benefits help to cover additional costs during and after a hospital stay. Costs for cosmetic operations resulting from an accident, rescue and recovery costs (even abroad), as well as immediate benefits for certain serious injuries are also often included or optionally selectable. Furthermore, we offer assistance services like rooming-in (allowing a parent to stay in the hospital) or covering tuition fees for extended school absences. At nextsure, you can put together the insurance coverage modularly to achieve a tailor-made solution for your child.
Accident Prevention in Children: Practical Tips for Greater Safety in Everyday Life
The best insurance is the one you don't need. Therefore, accident prevention for children is a key concern for all parents. Conscious measures can significantly reduce the risk of accidents. **Safety at Home:** Make your home childproof. This includes socket covers, corner protectors on furniture, stair gates, and the safe storage of cleaning products, medications, and dangerous items. Ensure that furniture is stable and secure windows and balconies. **Safety in Traffic:** Practice correct road behaviour with your child. The school route should be well-known and safe. Ensure high visibility with bright clothing and reflectors, especially during the darker months. A helmet is essential when cycling. **Safety during Play and Sport:** Ensure toys are age-appropriate and play equipment is certified. Children should wear the appropriate protective gear during sports (e.g., helmet, knee and elbow pads when inline skating). Educate your child about dangers and supervise them according to their age and level of development. **Handling Water:** Never leave children unsupervised near water, whether in the bathtub, by the pool, or at open bodies of water. Swimming lessons increase safety. Despite all precautions, accidents cannot always be avoided. A good pupil accident insurance from nextsure provides financial security if something does happen.
How to Choose the Right Plan: What Parents Should Consider
Selecting the right student accident insurance requires careful consideration of various factors to ensure optimal protection for your child. **Disability Sum:** This is the most important aspect. The basic sum for disability should be sufficiently high to cover long-term financial consequences. Experts often recommend sums that are three to six times the parents' gross annual income. Consider potential costs for modifications, therapies, and care. **Progression:** A high progression scale (e.g., 225%, 350%, or 500%) ensures that the compensation significantly exceeds the basic sum in the case of severe disability levels. This is particularly important for accidents with serious long-term effects. **Limb Valuation:** Compare the limb valuation rates of different providers. This rate determines the degree of disability recognized for loss or dysfunction of body parts or sensory organs. An improved limb valuation offers higher benefits. **Additional Benefits:** Check which additional benefits are included in the tariff or can be added optionally. Hospital daily allowance, recovery money, rooming-in, costs for cosmetic operations, rescue costs, and a death benefit are often useful. **Scope of Coverage:** Ensure worldwide protection around the clock. **Terms and Conditions:** Read the fine print. Are there any exclusions or waiting periods? At nextsure, we offer transparent advice and help you find the tariff that exactly matches your needs and those of your child.
Typical Accidents Among Students: Identifying and Minimising Risks
Children are natural explorers and often move about freely, making them more prone to accidents. Understanding the most common types of accidents can help assess risks better and take preventive measures. **Falls:** Whether from a climbing frame, bicycle, while running, or from stairs – falls are the most common cause of accidents in children, often leading to bruises, fractures, or head injuries. **Sports accidents:** During school sports, in clubs, or while playing, sprains, strains, torn ligaments, or also fractures occur frequently. **Traffic accidents:** As pedestrians or cyclists, children are particularly vulnerable in traffic. Inattention or misjudging speeds can have fatal consequences. **Household accidents:** Burns or scalds from the stove or hot liquids, cuts, poisonings from chemicals or medicines, and electric shocks are typical household hazards. **Playground accidents:** Faulty play equipment or careless play can lead to injuries. **Drowning accidents:** Even in shallow water, there is a risk of drowning for small children. A comprehensive student accident insurance like that offered by nextsure provides financial protection against the consequences of such accidents, as statutory accident insurance does not cover many of these areas. It is important to educate children about dangers appropriate to their age and to create a safe environment.
Expert
Consultation
Simpler
Online Degree
Quick
Damage Assistance
Disability in Children: Long-term Effects and Financial Security
An accident-related disability is one of the greatest risks for children and represents an immense emotional and financial burden for the affected family. The long-term consequences can be severe and alter the entire life of the child and their family. These include permanent physical impairments (e.g., paralysis, loss of limbs), sensory impairments (e.g., blindness, deafness), or even intellectual disabilities. These impairments often require lifelong medical care, intensive rehabilitation measures, expensive therapies, and special aids. Often, costly modifications to the home are necessary to enable a barrier-free life. In addition, there may be potential loss of earnings for parents who take on caregiving roles, and uncertainty about the child's future career and financial independence. The benefits provided by statutory accident insurance or health insurance are often far from sufficient. Therefore, a private student accident insurance with a sufficiently high disability sum and ideally a progression is essential. It provides the necessary capital to ensure the best possible care, support, and quality of life for the child and relieves the family financially. nextsure helps you to responsibly close this essential gap in insurance coverage.
Disability Scale and Progression: Important Terms Explained Clearly
When taking out a student accident insurance policy, the terms 'schedule of compensation for limbs' and 'progression' are of central importance, as they significantly determine the amount of compensation in the event of disability. **Schedule of Compensation for Limbs:** The schedule of compensation for limbs is a table in the insurance contract that establishes the percentage of the agreed basic disability sum paid in the event of complete loss or complete functional incapacity of certain body parts (limbs) or sensory organs. For example, the loss of an arm is rated higher (e.g. with 70% of the insured sum) than the loss of a finger (e.g. 5-10%). There are standard schedules and improved schedules offered by some providers which set higher values. A detailed comparison is worthwhile. **Progression:** Progression is an agreement that leads to a disproportionately high increase in insurance compensation in cases of severe degrees of disability. If the disability degree caused by an accident exceeds 25%, the compensation can increase in stages. A progression of, for example, 350% means that in the case of full disability (100% disability degree according to the schedule of compensation for limbs), 3.5 times the agreed basic disability sum is paid out. This provides additional financial protection in the event of particularly severe accident consequences. At nextsure, we prioritize transparency and are happy to explain the details of our schedules and progression models to help you make an informed decision for the optimal protection of your child.
Insurance coverage abroad: What applies for travel and student exchange?
In a globalised world, overseas trips are no longer uncommon for students. Whether it's school trips, family holidays, or longer student exchanges, it's important that accident protection extends beyond German borders. A good private student accident insurance, like the one offered by nextsure, typically ensures worldwide coverage. This means that your child receives the same benefits for accidents abroad as they would for an accident in Germany. This includes, for example, lump-sum payments in case of disability, hospital daily allowances, or covering the costs of medically necessary repatriations. When signing the contract, explicitly check for the "worldwide" coverage area and clarify whether there are time restrictions on the duration of the stay abroad, especially for longer programmes like a year-long exchange. Additionally, check whether costs for search, rescue, and recovery operations abroad are covered, as these can quickly become very expensive. Although travel health insurance is also recommended for covering immediate treatment costs, it does not replace the long-term benefits of accident insurance in the event of disability. With nextsure’s student accident insurance, you can be confident that your child is comprehensively protected even on international adventures.
From what age is a student accident insurance worthwhile?
If your child has suffered an accident, medical care is the top priority. Seek a doctor or hospital immediately and have the injuries documented. For reporting to your school accident insurance at nextsure, proceed as follows: **1. Immediate Notification:** Report the accident as quickly as possible. Most insurers have deadlines for this. At nextsure, you can conveniently report accidents online through our customer portal, via email, or by phone. Keep your contract number ready. **2. Accurate Information:** Describe the course of the accident precisely and completely. Provide the location, date, time, and a detailed description of the event. Mention any possible witnesses. **3. Medical Documents:** Submit all relevant medical documents. These include medical certificates, diagnosis reports, hospital reports, and possibly invoices. Keep copies of all documents. **4. Accident Questionnaire:** You will receive an accident questionnaire from the insurer. Fill this out carefully and truthfully. **5. Observe Deadlines:** It is particularly important to adhere to deadlines for claiming disability benefits. As a rule, accident-related disability must be medically confirmed and reported to the insurer within a certain period (often within a year of the accident). At nextsure, we support you in case of damage competently and without bureaucracy to ensure a quick and fair settlement.
