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Give Your Child a Unique Head Start – with Exparanto KidsProtect All-In-One Protection

  • Oktober 9, 2025
  • The Exparanto Blog Team

Every parent wants to give their child the best possible start in life — safety, health, and a future full of opportunities.
But as an Expat family in Germany, protecting your children can feel complex. Public benefits are limited, private insurance options are hard to compare, and long-term planning often gets lost in translation.

That’s exactly why we created the Exparanto KidsProtect All-In-One Package — a simple, complete, and affordable solution that gives your child both comprehensive protection today and a financial head start for tomorrow.

Designed especially for Expats and international families, KidsProtect combines German quality, global understanding, and everything your child needs in one single plan.

Why Early Protection Matters – Especially for Expat Families

When you move abroad, you don’t just build a new career — you build a new life for your family.
But with that opportunity also comes responsibility.

Many Expat parents are surprised to learn that:

  • Children in Germany have limited accident and disability coverage through the public system.
  • Specialist treatments, hospital upgrades, and therapies often require private insurance.
  • Families from abroad may not qualify for all state benefits.
  • There’s usually no built-in savings plan for your child’s education or future goals.

For families living between two worlds, this can lead to uncertainty. Early planning — through a package like KidsProtect — ensures your child is financially secure, medically protected, and ready for life’s next steps from the very beginning.

One Complete Package — Three Layers of Lasting Protection

The Exparanto KidsProtect All-In-One Package unites Accident Insurance, Private Supplemental Health Coverage, and a Junior Investment Plan into one streamlined concept — for just €50 per month.

It’s not just insurance — it’s a foundation for your child’s future.

1. Premium Accident Insurance for Children

Children are curious and active — which is wonderful, but it also means accidents happen.
With KidsProtect, you can make sure that even in the worst-case scenario, your child’s future remains bright.

Included benefits:

  • Disability coverage: €100,000
  • Progression: up to 500%
  • Accidental death benefit: €10,000
  • Monthly premium: €9.20

This ensures long-term financial protection in case of serious injury — funding therapies, assistive technology, or education adjustments, so your child can continue to thrive.

2. Private Supplemental Health Insurance

Even in a country with strong public healthcare, there are gaps — especially when it comes to specialized care, comfort, and faster access to treatment.

Included modules:

  • ET-GZ Plus – surgical and hospital coverage
  • ST-G1 – specialist and treatment upgrades
  • KHS & KHS E – hospital daily benefits and extended recovery coverage
  • Monthly premium: €10.80

With these modules, your child gains access to private-level care, shorter waiting times, and the comfort and flexibility every parent wishes for their child during recovery.

3. SmartInvest Junior – Building a Future That Grows

The SmartInvest Junior plan helps you build a financial safety net and opportunity fund for your child’s future — whether it’s for university, their first car, travel, or starting a career.

Plan details:

  • Monthly investment: €30
  • Projected payout: €16,733.99*
  • Assumed annual return: 7%
  • Maturity: at the insured’s 25th birthday
  • Example: male child, born January 1 2024

(*Projection based on standard assumptions; not guaranteed.)

The Term-Fix option lets you decide exactly when your child receives the payout — perfectly timed for when they need it most.

It’s not just saving money — it’s empowering your child’s independence.

Why Expat Families Trust KidsProtect

All products within the KidsProtect package are based on the proven quality of DEVK Insurance, one of Germany’s most respected and reliable providers.
Exparanto combines these trusted products into a single solution built for Expats’ real-life challenges: international backgrounds, mobile lifestyles, and families spread across borders.

That means:
– Clear English-language guidance
– German-level reliability
– Coverage that grows with your family

With Exparanto, you don’t just buy insurance — you gain a partner who understands what it means to start a new life abroad.

Building a Secure Future — Step by Step

The KidsProtect All-In-One Package helps you:

  • Protect your child’s health and future income against life’s uncertainties
  • Access the best medical care available in Germany
  • Invest in their education or dreams with SmartInvest Junior
  • Simplify your finances with one single, transparent monthly plan

For Expat families, this isn’t just convenience — it’s clarity, control, and peace of mind.

Final Thought: Secure Their Tomorrow, Starting Today

As parents, we can’t predict the future — but we can shape it.
With Exparanto KidsProtect, you give your child a unique head start, a comprehensive safety net, and the freedom to explore life knowing they’re protected every step of the way.

Give them what every child deserves:
security, opportunity, and the confidence to dream big — wherever life takes them.

  • Nico Glatz
  • Oktober 9, 2025
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