It's always a good idea to review your insurance policies when there are major changes in your life, such as the arrival of a new baby. However, you should keep your tongue firmly in your cheek when reading the insurance terms, because in most cases your child will be covered by the mother's insurance for the first 1-2 years. After that, however, it is essential that your child is insured. Read on for answers to your questions.
It is a good idea to have both contents insurance and accident insurance for your child. For example, contents insurance covers stolen items, while accident insurance covers so-called external damage - for example, if a branch knocks off your child's glasses and there is a large scratch on the glass.
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Covered by the mother's insurance
However, there's no need to stress about insurance once your little bundle of joy is born. If the mother of the baby herself has accident insurance, the baby will almost always be covered by this for the first year, sometimes two years. You can easily check this in your insurance terms and conditions.
5 good reasons to take out combined child accident insurance
Please note that the general child accident insurance not covers illness and permanent injury. We therefore recommend a combined child accident insurancewhere you are covered in the event of illness and permanent injury. Once you've had an accident, it's too late.
If you have an accident, good insurance is worth its weight in gold. Insurance usually costs an annual amount and acts as a financial safety net under your finances. Children are expensive, and with insurance you don't have to lose sleep over huge, unforeseen bills when accidents happen.
#1 Your child is injured
If your child is seriously injured and suffers damage, the insurance may cover the cost of physiotherapy or similar. If the injury is permanent, the child may receive compensation.
#2 Your child becomes critically ill
God forbid your child should become seriously ill. But should you end up in that situation, insurance is everything. You can't just take it out on the same terms after you know your child is ill. Also, always check whether the insurance provides funeral assistance. In the worst-case scenario, it's not the money that should be allowed to fill up.
#3 Your child harms another child
Sometimes things get crazy in the nursery or schoolyard. Your child may kick another child in the eye, ruining the other child's vision. Although it seems like an unthinkable scenario, the fact is that it does happen. Make sure your child is insured so you don't have to pay for the other child's costs out of your own pocket if your child is deemed to be liable.
#4 Get economic security
Unforeseen bills can topple any economy. With child accident insurance, you have a solid safety net to make sure you don't end up in a situation where you can't pay for big unforeseen bills like. broken glasses.
#5 Protect your child's teeth
As baby teeth fall out and are replaced by permanent teeth, it's more important than ever to take good care of them. If your child falls and knocks their tooth, you can report it to your insurance. If the blow causes problems later in life, your child can get reimbursed for dental bills.
Why should you insure your child?
The insurance is a security for both you and your child. If your child becomes seriously ill or has an accident, you need insurance to pay for the expensive items and any compensation your child may need.
Be insured when children break things
We who have children know all about their ability to break things. It could be a wooden puzzle that goes into the TV, a mobile in the toilet or a pair of glasses that go on the ground. With insurance, you have a safety net under your finances. However, be aware that in some cases it is contents insurance you need for broken electronics in the home.
Insurance for children living at home
As long as your child lives at home, they are also covered by your contents insurance. It also covers shared children as long as they are in your home.
Tooth injury in children: take care of the permanent teeth
If your child gets a knock on his milk teeth, you can report it to your child's own insurance. Even if there's no problem right now. Once the injury is reported, the child can get financial help if the blow causes damage later in life. A severe blow can easily affect the permanent teeth and result in expensive dental bills in the child's adult life.
Cancer and other serious diseases
If your child is diagnosed with a serious illness, such as cancer, it can be vital that you have your insurance in place before they are diagnosed. This may involve aids or compensation.