Do you need several additional insurance policies?
Under no circumstances do children need several supplementary insurances, because the insurance packages of the providers are put together in such a way that all important insured events are included. Nevertheless, it does happen that parents have several supplementary insurance policies for their child or children. This is the case, for example, if a new insurance is applied for, but the old one has not yet been canceled. Dubious brokers are mostly to blame here, because they have usually recommended taking out additional insurance at an early stage. But the other way around, it can also be the case that you wait too long to take out a new contract and suddenly the child is left without any additional insurance. Illnesses not mentioned can also result in the supplementary insurance being terminated by the provider. Serious advice is therefore the first step.
Children really need this supplementary insurance
Unfortunately, it is a fact that many children need orthodontic treatment. The second teeth come in the second row behind the first? The child's jaw is not yet big enough and does not have space for the much wider second teeth? In view of the very high costs of orthodontics, an appropriate supplementary insurance for children makes sense so that a treatment does not have to fail due to finances. But be careful: some providers have age limits and no longer accept children from a certain age. This is then only possible if a doctor's certificate is presented and treatment is necessary because, for example, chewing is impaired. A pure beauty treatment, because the teeth are not in a row, is then no longer carried out and has to be financed out of pocket.
tip: Some providers rule out known misalignments and jaw problems. You then agree on a so-called individual performance reservation or you no longer pay for the treatment in individual cases.
Get alternative medicine insured
Many parents are skeptical about conventional medicine or generally want to use the possibilities of complementary medicine. Only a few alternative medicine treatment methods are included in basic insurance. In some cases, treatments with acupuncture or traditional homeopathic remedies are taken over. Everything that goes beyond this and causes costs must be paid for by the child's parents themselves. This also applies if the treatment is not carried out by a licensed doctor, but rather if the parents and their child go to a naturopath. If you want to use the gentler, alternative medicine, you should take out appropriate additional insurance.
Get private insurance right away?
Private health insurance may have many advantages, but it is also very expensive. Parents should bear in mind, on the one hand, that children are no longer accepted into various private health insurances with increasing age, which applies at the latest when certain previous illnesses become apparent. On the other hand, staying in a private room in a hospital, for example, is often counterproductive for children. They also need social contacts to get well and there are already numerous experts who are of the opinion that children in shared rooms recover faster. This means that only certain services should be covered by private insurance, but in most cases this is not really necessary.
Conclusion: hardly any additional insurance is necessary for children
For children, only two options are required as additional insurance: on the one hand, orthodontic treatment, on the other hand, alternative medicine. The latter is only important if the child's parents want to go to a naturopath in addition to conventional medicine or as the first point of contact and there are costs that are not covered by normal health insurance. In the case of supplementary insurance for children, the following applies: Less is more!
