To all parents,

Being a parent is the most wonderful thing there is. We want to see our children laugh, protect them and give them a sense of security. And we hope that they stay healthy.

But sometimes life takes a different turn. Here is the story of Lina*, 12 years old. A perfectly normal, cheerful child — until one morning life was no longer what it had been the evening before. Diagnosis:

Stroke

From one moment to the next, everything was different: emergency doctor, hospital, therapy, rehab. Her parents were in shock — and at the same time they had to keep functioning. Emergency doctor, helicopter, hospital, intensive care unit. A children's accident insurance with rehabilitation benefits would have helped to pay for therapies and specialist clinics and to support the healing process. At such a time it is important to be able to focus on what really matters: time, love and healing.

Diabetes

Or take Timo and Juliane*, then aged 9 and 11, who suddenly developed type 1 diabetes. A diagnosis that changes your whole life: insulin pumps, regular doctor's appointments, constant monitoring. Thanks to very good health insurance, their parents had access to specialists, nutritional counselling and modern diabetes technology — without long waiting times or additional costs. It is also important that this still applies when the young people have to go their own way — in their working lives.

Both stories show: Nobody can prevent something like this from happening. But you can make sure that in such moments you are not left on your own.

When only the best is good enough

A supplementary insurance for outpatient or inpatient treatment ensures that you always receive the best possible medical care — whether in hospital, with specialists or in rehab. Because in an emergency you do not want to lose any time, you simply want to be able to act. Without having to think about money.

Accident insurance with extended cover

Many people think accident insurance only helps with falls or sports injuries. But modern tariffs also provide cover when an accident is caused by disturbances of consciousness — for example after a stroke, a circulatory collapse or due to hypoglycaemia in diabetes. That can make the decisive difference when something unforeseeable suddenly happens.

Long-term care and rehabilitation cover

When a child needs care for a longer period or requires special therapies, statutory cover is often not enough. A supplementary long-term care insurance closes this gap — it covers additional costs for carers, aids or rehabilitation measures, so that you can focus on what matters most: your child.

Basic abilities insurance — security for life

If illness or an accident causes a child or adolescent to lose important abilities — walking, speaking, seeing, concentrating — the basic abilities insurance (Grundfähigkeitsversicherung) steps in. It provides financial stability and gives you the freedom to still shape the life you want.

Taking precautions is not a sign of fear — but of love

It is not about expecting the worst. It is about being strong when life challenges you. Those who take precautions give their family security, time and peace of mind — and the good feeling of having done everything they could. We support families in building exactly this protection — honestly, clearly and with heart. Because in the end, it is not the policy that counts, but what it achieves: security when it matters.

My suggestion:

Let's simply have a relaxed talk about your situation — without obligation, openly and honestly. We will show you which solutions make sense for you: affordable, tailored and with real added value.

How? Simply call or send a WhatsApp message: 076268707)

Kind regards

*name changed

this text was read on online pages and summarised with AI (Copilot/ChatGPT)