{"id":2581,"date":"2026-04-20T09:40:55","date_gmt":"2026-04-20T07:40:55","guid":{"rendered":"https:\/\/bramexplus.com\/?page_id=2581"},"modified":"2026-07-01T19:16:31","modified_gmt":"2026-07-01T17:16:31","slug":"private-health-insurance-children","status":"publish","type":"page","link":"https:\/\/bramexplus.com\/en\/private-health-insurance-children\/","title":{"rendered":"Private Health Insurance for Children in Germany"},"content":{"rendered":"\t\t
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Private insurance \u00b7 Families in Germany<\/div>\n \n

The best medical care for you and your family, from day one<\/span><\/h2>\n \n

\n In Germany, children in families with private insurance get access to faster, more personalised medical care with better cover from birth. And the terms they secure when they're insured are the best they'll ever have.\n <\/p>\n \n

\n View plans \u2192<\/a>\n Talk to an advisor<\/a>\n <\/div>\n \n
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\n Low premiums<\/span>\n children are the most favourable profile<\/span>\n <\/div>\n
\n Full cover<\/span>\n from birth or adoption<\/span>\n <\/div>\n
\n For life<\/span>\n the agreed terms always stay the same<\/span>\n <\/div>\n <\/div>\n <\/div>\n \n
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An advantage that lasts a lifetime<\/p>\n

The terms you get when insuring a child are the best possible \u2014 and they stay unchanged no matter how their health develops.<\/p>\n <\/div>\n <\/div>\n <\/div>\n \n <\/div>\n<\/section>\n\n\n

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\n <\/span>\n A decision for the whole family\n <\/div>\n

Private insurance for children: an option worth knowing about<\/h2>\n <\/div>\n\n
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When one or both parents have private health insurance in Germany, insuring the children under the same model has very concrete advantages. Children with private insurance get faster paediatric care, no waiting lists, free choice of doctor and wider cover than the public system.<\/p>\n

What's more, children are the most favourable profile for private insurance: they're young, healthy and have no relevant medical history. That translates into very competitive premiums \u2014 usually much lower than an adult's \u2014 and contractual terms that stay unchanged throughout their life, regardless of how their health develops in the future.<\/p>\n

It's one of those decisions that, taken well at the right time, can have a very positive long-term impact for the whole family.<\/p>\n <\/div>\n

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\ud83d\udca1 What makes it especially worthwhile<\/div>\n

A child insured privately from a young age keeps those terms for life<\/strong>. If they were to develop any health condition in the future, it wouldn't affect their cover or their premium at all \u2014 because the terms are already fixed from the original contract.<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n<\/section>\n\n\n\n

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\n <\/span>\n What private insurance offers\n <\/div>\n

What changes for your children with private insurance<\/h2>\n

Beyond the price, private insurance makes a real difference in how your children receive medical care from day one.<\/p>\n <\/div>\n\n

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A paediatrician with no waiting<\/h3>\n

With private insurance, getting an appointment with the paediatrician or any children's specialist is much faster. Instead of waiting weeks to see a specialist, you get the appointment in days. When a child isn't well, speed matters.<\/p>\n

Priority access to paediatric specialists, with no referrals or waiting lists.<\/div>\n <\/div>\n\n
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Better dental cover from an early age<\/h3>\n

Private insurance includes dental cover far superior to the public system, especially relevant in childhood and adolescence: orthodontics, preventive treatments, full check-ups. A difference you notice in the early years.<\/p>\n

Up to 100% cover on dental treatments, including orthodontics depending on the plan.<\/div>\n <\/div>\n\n
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Terms guaranteed for life<\/h3>\n

The terms agreed when the child is healthy are the ones they'll always have. The insurer can't change those terms or apply surcharges for illnesses that appear later. It's a protection that goes well beyond immediate medical cover.<\/p>\n

Any future condition is covered without exception under the original terms of the contract.<\/div>\n <\/div>\n\n
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Cover abroad<\/h3>\n

Most private plans include medical cover outside Germany. This is especially useful for families who travel often or spend periods in other countries \u2014 children travel covered with no need to take out additional travel insurance.<\/p>\n

International cover included in most plans, at no additional cost.<\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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\n <\/span>\n How it works in practice\n <\/div>\n

How do you insure a child with private insurance?<\/h2>\n

The process is simple. When one parent has private insurance, they can apply for a separate policy for each child. Each child has their own policy, with their own insurance number and their own terms.<\/p>\n

A child's premium is significantly lower than an adult's, precisely because the risk profile is minimal. There's no relevant medical history, no pre-existing conditions and the terms you get are the most favourable possible. Once set, that premium serves as the basis for life.<\/p>\n

What's more, in some cases and depending on the plan, you may not have to pay premiums during parental leave for a period of up to six months \u2014 a detail worth knowing when planning a child's arrival.<\/p>\n\n

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Does the employer also contribute to the children's insurance?<\/h4>\n

Yes. If either parent has private insurance, the employer can also contribute to the cost of the children's insurance<\/strong>, up to the maximum limit set by law. It's an extra benefit many families don't know about until they ask.<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n <\/span>\n The process step by step\n <\/div>\n

How private insurance for a child is arranged<\/h2>\n

The process is simpler than it seems. In most cases, it can be sorted out in a few days.<\/p>\n <\/div>\n\n

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Look at the options with us<\/h4>\n

We explain which plans are available for children, what cover they include and which fits your family's needs best. No obligation and in English.<\/p>\n <\/div>\n <\/div>\n\n

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We request a personalised quote<\/h4>\n

With the child's details \u2014 date of birth and state of health \u2014 the insurer calculates the exact premium. In most cases children are accepted with no special terms.<\/p>\n <\/div>\n <\/div>\n\n

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The policy is activated and the child is covered<\/h4>\n

Once the application is accepted, the child receives their insurance number and is covered from the agreed date. From then on they can use the insurance exactly like adults.<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n <\/span>\n A detail worth knowing\n <\/div>\n

Parental leave and private insurance<\/h2>\n

If you're on parental leave (Elternzeit) and have private insurance, there's something interesting many people don't know: depending on the plan, you may be able to pay no premiums for a period of up to six months.<\/p>\n

This mechanism is designed to ease the cost of insurance at a time when income may temporarily fall. It isn't automatic \u2014 you have to request it from the insurer \u2014 but it's a real option worth reviewing before that moment arrives.<\/p>\n

At Bramex Plus we help you understand what options your specific plan has and how to handle it if it applies.<\/p>\n Check my situation \u2192<\/a>\n <\/div>\n\n

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\n <\/span>\n How we help you\n <\/div>\n

We support you in the decision for the whole family<\/h2>\n

Insuring your children privately is a decision that deserves careful analysis. We're here to help you understand all the options.<\/p>\n <\/div>\n\n

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We analyse your full family situation<\/h3>\n

We don't just look at the parents' plan. We analyse the whole family's situation \u2014 income, children, plans \u2014 to recommend the option that works best overall.<\/p>\n <\/div>\n <\/div>\n\n

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Children's plans with good cover<\/h3>\n

The children's plans we recommend include cover relevant to childhood: dental, optical, specialist paediatrics and international cover. Not just the lowest price.<\/p>\n <\/div>\n <\/div>\n\n

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No surprises in the process<\/h3>\n

We explain from the start how the application works, what documentation you need and what to expect at each step. The process is simple and we manage it with you.<\/p>\n <\/div>\n <\/div>\n\n

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Free advice in English<\/h3>\n

All the analysis and management are completely free for you. We assist you in English and with clarity, no jargon and no pressure.<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n <\/span>\n Frequently asked questions\n <\/div>\n

Questions about private insurance for children in Germany<\/h2>\n <\/div>\n\n
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