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If you are planning to have a baby in the near future, there are some important aspects that you should consider and plan for before you get pregnant. Careful preparation can help you feel more confident and relaxed as the big event approaches. Here are some key points to consider:
1. additional insurance for the hospital
It often makes sense to take out supplementary hospital insurance for the mother-to-be. This makes it possible to choose the hospital and doctor for the birth, which leads to better care and more comfort. In addition, supplementary insurance for the mother or father gives the child the option of being admitted to private health insurance from birth without any health questions.
2. private health insurance for the child
Ensure your child is optimally covered immediately after birth by taking out private health insurance without health questions. Thanks to the parents' supplementary insurance option, the child can easily be enrolled in private health insurance, which facilitates access to high-quality medical services and saves costs in the long term.
3. nursing care insurance
Not all babies are born healthy. Private long-term care insurance for one parent offers an option so that the child can be included in long-term care insurance from birth without any health questions. This insurance helps to cover the necessary care costs and can be a great relief. Remember to take out this insurance before the pregnancy, as the health questions will ask about an existing pregnancy, which may rule out taking out the insurance after the pregnancy has occurred.
4. top up occupational disability insurance
After the birth, it is possible to top up your occupational disability insurance. This insurance should definitely be taken out beforehand, as it is one of the most important types of insurance in Germany. It can make sense to top up after the birth to cover the increased need for financial security.
5. term life insurance
Term life insurance often offers the option of taking out additional insurance after the birth of a child. This increases the family's financial security and ensures that financial stability is maintained in the event of the death of a parent.
6. liability insurance
If you currently only have a single or spouse tariff, consider adding your child to your liability insurance. This will protect you from the financial consequences of any damage your child may cause.
7. virtual doctor via app
In Germany, it can sometimes be difficult to find a pediatrician. A virtual doctor app, such as Mattgate from Barmenia, can be a helpful solution here. These apps offer round-the-clock medical advice for little money and can be particularly useful when quick medical advice is needed.
8. advice after the birth
After the birth, you should definitely speak to a consultant again to discuss your child's coverage. There are many interesting options for insuring your child against accidents or other risks. Comprehensive advice will ensure that your child is protected in the best possible way.
By planning early and taking out appropriate insurance, you can ensure that you and your child are well covered. This will give you the security you need to enjoy the family planning and birth period without any worries.