Learn how you can optimally protect your newborn baby with private health insurance.
The health of your newborn baby is one of your most important assets. Private health insurance can offer comprehensive protection from birth that goes beyond the benefits of statutory health insurance. Especially when it comes to medical care and the choice of specialists, private health insurance offers extended options that can contribute to the health and development of your child.
Taking out private health insurance immediately after birth also makes it easier to make use of medical services, as many tariffs exclude or shorten waiting periods and thus provide full protection right from the start.
To register your newborn in private health insurance, you should first check whether your own health insurance gives you the right to choose. If this is the case, you can insure your child without a health check. Registration is usually informal, but it is important that you do this within a set period after the birth to ensure seamless insurance cover.
Gather all the necessary documents, such as your child's birth certificate, and contact your insurance company to start the registration process. Take note of the different tariffs and choose the cover that best suits your family's needs.
Private health insurance for your baby offers numerous benefits. These include access to a wider range of healthcare services, shorter waiting times for medical appointments and treatments, single rooms in hospital and free choice of doctor. Furthermore, additional benefits such as alternative treatments or travel health insurance are often included.
In addition, private health insurance often enables more individualized and intensive medical care, which can be a great advantage, especially in the first years of a child's life.
While statutory health insurance offers basic cover for your baby, private health insurance goes beyond this in many areas. For example, the coverage of costs for visual aids, orthodontic treatment or special forms of therapy are often more extensive in private health insurance.
Another difference lies in the premium structure. While statutory health insurance has income-based premiums, the premium in private health insurance is based on the selected tariff and individual risks.
When taking out private health insurance for your child, you should pay attention to the flexibility of the tariff structure so that the insurance cover can adapt to changing needs. Also make sure that preventive check-ups and vaccinations are included, as these are particularly important in childhood.
It is also advisable to check the conditions for covering the costs of psychotherapeutic treatment, as these services can play an important role in childhood and adolescence. Compare different providers and tariffs to find the best option for your family.