The Expat Consulting management package provides the foundation for future wealth with regular contributions starting from just 50 Euros per month. 

We invest in a diversified manner and can respond to market developments. 

This approach helps cushion potential fluctuations in international financial markets while seizing opportunities early.

With a tailored savings solution for your child, you're not only saving money but also ensuring that the agreed savings target is met, even in the event of the provider's disability or death. In such cases, the insurer will take over the continued contribution payments. 

Additionally, when the contract is transferred to your child on their 18th birthday, they can take advantage of their tax allowances. As a result, the transfer of accumulated capital and partial withdrawals are tax-free within the applicable tax-free allowances. 

Home savings plans are a great way to set aside capital with regular savings contributions, while potentially benefiting from government subsidies. The amount of savings contributions is flexible, and the security of the deposits is guaranteed. 

For savers aged 16 and above, the government additionally pays a housing subsidy if certain income thresholds are not exceeded. 

If the saver is younger than 25 years old when the home savings contract is concluded, they can use the accumulated funds freely after seven years, even for purposes not related to property, such as financing their studies or an overseas stay. And this is possible without losing the housing subsidy. This way, you combine high flexibility with maximum security. 

Your child can enjoy excellent health coverage with private health insurance. This works almost automatically: If one parent has been privately insured for at least three months before the birth, the child can be insured with the same provider and receive the best coverage from the start.

Important: To avoid the otherwise required health check and ensure full coverage, you must submit the application within two months after the birth.

If your child is covered by statutory health insurance, private supplementary insurance is recommended as an optimal addition. You can take out and combine private supplementary insurance for your child individually. 

The goal is to provide comprehensive coverage in key areas, ensuring your child enjoys the benefits of private insurance, such as when receiving treatment in a hospital or at the dentist.

A serious fall, poisoning, or burns—toddlers are particularly accident-prone. Nearly 260,000 children suffer an accident at home each year. The statutory accident insurance does not cover these cases. 

Private accident insurance protects you against the financial consequences of accidents, providing you and your children with a sense of security—worldwide and around the clock. 

Protect your children against the long-term consequences of illnesses. An invalidity insurance covers ongoing costs for outpatient care, medical aids, and living expenses.  

Often, a lump sum payment can be arranged in the event of a claim. Invalidity insurance can be continued beyond the age of 18 with a simplified health check—ideally until a suitable disability insurance policy is in place.

A disability insurance for students provides financial protection in case your child is unable to pursue their profession or studies due to illness or accident. 

This insurance ensures that your child has a secure financial foundation, even if they cannot work or complete their education. It’s especially important to secure a student’s future income early, as it can be challenging to recover from a sudden incapacity without such protection.