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Our children are our future. That’s why it is important to protect them. Our insurance plan for children allows you to save for your children to give them a great start to their adult lives – and to protect them from all major risks.
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Comprehensive insurance for children |
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Combine a savings plan with risk cover |
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Cyber protection |
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Flexible – easy to tailor to your needs |
This insurance plan is much more than just cover to protect your children. It comprises three modules: savings, risk cover, cyber insurance. This way, you can both save for your children’s future and protect them from the financial consequences of illness or accident. Plus, you can also add cyber insurance. And you choose which modules you use and the level of risk for investing your savings.
A carefree future for your child.
For everyone who wants to protect a child.
For saving for the future
Invests in first-class funds
Attractive potential returns
You choose your investment risk
Saving – how?
The savings module allows you to create a nest egg for your child to help them get off to a good start in their adult life. To do so, you can select from three savings profiles with different return and security profiles and low to high risks.
Saving in investment funds
Our financial experts will invest your premiums in first-class funds. This will allow you to benefit from the potential for attractive returns.
Popular: investing in sustainability
Depending on your savings profile, you’ll also have the option to invest in sustainable funds. This includes our sustainable investment plan Tomorrow Invest. With this option, you invest in companies with a proven commitment to a better world.
Protection for worst-case scenarios
Lump sum for serious incidents
Pension for loss of earning capacity
What is covered?
Our risk cover protects your child from the financial consequences of serious events such as illness or accident. Under it, children under 18 will receive a lump-sum payment and those over 18 a pension for loss of earning capacity. And if anything happens to you, we’ll carry on paying the premiums.
Coverage
Essential protection for minors
Add at little extra cost
For data misuse and bullying
For online shopping disputes
What is covered?
Our cyber insurance module allows you to protect your child from a number of cyber and online threats. This module can be easily added to our savings and risk protection module at little extra cost.
Coverage
Age at entry:
Final age:
We will save the money for you in investment funds. This allows you to profit from attractive potential returns. When you save with a traditional bank account, the interest rates are lower.
Unlike saving with a bank, we provide insurance coverage for your children. The biggest advantage is therefore the additional risk cover that you can take out, as well as the premium exemption. If a parent dies or loses their earning capacity, Generali will continue to pay the necessary premiums in order to reach the savings objective.
The lump-sum payment from pillar 3b is tax-free.
You can pay your premiums monthly, quarterly, six-monthly or annually. You can easily and conveniently do so via direct debit, for example. Finance the premiums via an interest-bearing premium deposit account and benefit from attractive interest rates.
If you have taken out a savings portion, we will pay your child the accumulated savings at the end of contract.
If you have also taken out risk cover, this insurance ends at the end of contract. We will be happy to provide advice for your child or newly fledged adult on what product is now best suited to them. Depending on their situation, they might need income protection insurance, life insurance or death benefits insurance.
Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.
If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.
The advice is free of charge, with no strings attached. You choose the time and place.
Discover all the benefits of a consultation
Report an insured event
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