Family insurance: how to insure your loved ones
When you start a family, you're no longer responsible for just you alone, but also for your loved ones. It’s crucial to get the right cover without putting unnecessary strain on the family budget. Find out what’s important when it comes to family insurance.
Health insurance for families: insure your baby early
Health insurance for families starts with basic insurance for your baby. We recommend enrolling your baby for health insurance before birth.
Advantages of prenatal admission
- Your baby has general health insurance cover as a family member from the moment they arrive, even if born prematurely or with a medical condition.
- The child will be admitted to the provider’s supplementary insurance without any health reservations attached. Congenital defects especially can prove costly, and these costs aren't all covered by Federal disability insurance.
Supplementary dental insurance for children
It’s worth taking out supplementary dental insurance as soon as your child gets their first milk teeth. Dental insurance covers costs ranging from check-ups right through to braces and the removal of wisdom teeth.
Did you know? Children under the age of three don’t need a medical certificate to take out dental insurance with CSS.
Family discount: save up to 100%
You can save money by taking out general health insurance for all the family with the same provider – and combining them. CSS gives you a family discount of up to 100% on supplementary insurance if the whole family is insured.
Insurance for greater security if your salary stops
Financial problems can arise whenever someone is unable to work due to illness or accident. Because living expenses, such as rent and childcare, continue to mount up. Protect your family against these risks with death or disability insurance.
The right family insurance for all-round protection
The right family insurance also covers damage caused by your children or pets. If a football smashes a window or your dog injures someone, liability insurance will cover the costs. And in some cases, legal expenses insurance also makes sense.
Protect possessions and furniture
Things often get broken and need to be replaced, especially when there are small children around. Household contents insurance protects your furniture and personal possessions against glass breakage, theft, fire and more.
Check family insurance regularly
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Adjust it to your situation in life: Is anything changing in your family? Check whether the insurance cover, especially the family’s health insurance, is still sufficient.
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Cancel policies you no longer need: Only keep the insurance that you really need.
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Take advantage of discounts: Benefit from family discounts by taking out a combination of several insurance policies with one provider.
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Check sums insured: Make sure that major risks such as accident, illness and liability are sufficiently covered.
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Update supplementary insurance: Adjust your supplementary insurance if required or take out a new policy (e.g. for dental, travel or animals).
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