What are the best insurance options for families & kids?

Short answer: The best insurance options for families and kids in Germany combine free statutory health coverage, low-cost personal liability and child accident plans, plus optional travel protection for holidays.

Health first. If you are in the statutory system, children and a non-earning spouse are co-insured at no extra cost through the family option (Familienversicherung). In a private plan each family member needs an individual policy, so we calculate long-term premiums before you switch. We also add dental riders if orthodontics are on the horizon.

Liability must-have. A family liability policy (Familien-Haftpflicht) covers accidental damage your kids cause in school, playgrounds or at friends’ homes. Coverage up to €50 million starts around €7 a month and spares you from paying for smashed smartphones or broken windows out of pocket.

Child accident insurance. Statutory accident cover only applies during school or daycare hours; a private policy fills the gap for sports, cycling and holidays, paying a lump sum for disability and rehab costs.

Travel & worldwide care. For international holidays we add a family travel health policy that reimburses private clinics abroad and organises medical evacuation back to Germany.

At Finance for Expats we compare English-language policies, bundle them where discounts apply and issue bilingual documents so both parents understand the fine print. Start by telling us your children’s ages and planned activities via our insurance desk; we will propose a tailored family package within 24 hours.

Key take-aways:

• Statutory health insurance covers kids for free; private plans require separate policies.
• Family liability and child accident insurance close costly gaps for everyday mishaps.
• Finance for Expats bundles the right mix and delivers bilingual contracts at no extra charge.