Generali „With a Child in Mind” - Guarantee of your child's financial future

Your child is the most important thing. While you can't protect him or her from all the evils of the world, you can give him or her a financial start to adulthood and support when life surprises. Generali's „With a Child in Mind” combines long-term savings with life and health protection - it's also a great gift from grandparents or godparents. We'll help you choose amounts and coverage, and you'll handle the paperwork remotely.

You are a foresighted parent, you want to provide the means for your child's good future, and you know that there may be situations where you cannot take care of your child as you would like.

With Generali insurance, your child will receive money with which to make his or her first adult plans, even if you are gone or unable to work. What if your child gets sick? Diseases and accidents unfortunately do not bypass children. We can't guarantee that your treasure will always be fully healthy, but we can help provide money for recovery and treatment.

Generali's „With a Child in Mind” insurance can also be a gift from caring grandparents, godparents or others who want to take care of a child's future. Check out what Generali has prepared especially with children in mind.

Secure money to start your adulthood

Monthly pension in case of death of insured person

Supporting your child's recovery

Money for a child unable to live independently

Main advantages

Startup money: We guarantee the payment of money to your child for the realization of plans after reaching adulthood. Determine for yourself how much you want to support them.
Financial security: We will pay an annuity to your child every month in the event of your death.
Acquisition of premiums: We will take over the obligation to pay premiums when you die or are totally incapacitated.
Child Health Protection: Insurance can be extended to include comprehensive health insurance coverage for your child. We pay out funds in case of serious illness (including malignant tumor, coma, bacterial meningitis), provide access to additional medical opinion, and reimburse medical expenses after an accident.

„With a child in mind” insurance coverage from Generali

The product combines life protection with capital accumulation for the child. Below is a detailed range of benefits - see the product's T&C for full details.

Basic scope

Guaranteed payment of money After your child reaches adulthood. Determine for yourself how much you want to support the start of adulthood - for college, a driver's license, a contribution or the first piece of equipment for work.
Monthly pension for the child In case of death of the insured person - in the amount of 2% of the sum insured until the end of the contract period.
Taking over the payment of premiums In the event of the death or total incapacity of the insured person. Regardless of what happens, the child will receive a predetermined amount to start adulthood.

In addition, you can extend your insurance coverage to include:

Extensions (selectable)

Death due to NW: Accidental death insurance.
Baby package - Comprehensive insurance coverage that includes: money for medical treatment in the event of a serious illness or accident, payment for a child's hospital stay, major surgery, access to an additional medical opinion from internationally recognized specialists should the child become seriously ill, and financial support should the child become incapacitated.
Serious illnesses of the child: payment at the diagnosis of malignant neoplasm, coma, bacterial meningitis and other severe diseases.
The child's stay in the hospital: benefit for each day of hospitalization of a child.
Major surgery for a child: payment if the child undergoes major surgery.
Additional medical opinion: The opportunity to obtain additional medical opinion on the diagnosis, health status and treatment of the child from internationally recognized specialists.
Child Injury: payment for a fracture, dislocation or sprain - even without permanent injury.
Reimbursement of medical expenses: reimbursement of medical expenses after a child's accident.
The child's inability to live independently: A one-time financial benefit when a child loses the ability to live independently.

💡 Worth knowing

- The contract can be concluded as early as the day of the child's birth until the day before the child's 16th birthday.
- The period of insurance ranges from 5 to 25 years - the end of coverage should be around the child's majority.
- „With the child in mind” is also a great gift from grandparents or godparents - the policyholder does not have to be the child's parent.
- Payment of premium possible remotely: PayU or BLIK.

Premium and costs

The amount of the premium is determined individually - it depends, among other things, on the selected sum insured, the duration of the contract and the scope of protection. Payment for the policy is possible remotely via PayU or BLIK. Detailed costs and fees can be found in the insurance documents provided before concluding the contract.

How to conclude a contract remotely

Contact a Polisarium advisor or call: 325 325 325.
The consultant will conduct a needs analysis and prepare a tailored offer.
Upon approval, you will receive the application and documents by email or SMS.
Pay conveniently online: PayU or BLIK - and you're done.

How to report an incident

At Generali, application is quick and easy. Choose the form that is most convenient for you.

Online: fill out the „Report a loss” form on the Generali website.
By phone: contact the experts at 913 913 913.

The most common exclusions of liability

Below are typical examples of exclusions from the T&Cs of this type of product. The exact and binding wording can always be found in the Generali insurance documents provided to you prior to the conclusion of the contract.

Acts contrary to the law or attempted/suicide.
Being under the influence of alcohol, intoxicants or psychotropic drugs.
Engaging in high-risk sports or participating in competitions/races without the appropriate clauses.
Driving a vehicle or operating a machine without the required authorization if it affects the incident.
Congenital diseases and defects, chronic or mental illnesses - if the T&Cs provide for an exclusion.
Fights and beatings (except for necessary defense) and intentional acts.

„With a Child in Mind” insurance videos”

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Generali, with a child in mind - rules for calculating and paying annuities

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Frequently asked questions about „With a child in mind”

For what age of child is the insurance?

The contract can be concluded from the day of the child's birth until the day before the child's 16th birthday. The period of insurance ranges from 5 to 25 years, and the end of coverage should be around the child's majority, according to Generali's product documents.

When will a child receive start-up money?

The guaranteed amount is paid out at the end of the insurance period. The period is chosen by the policyholder and is usually between 5 and 25 years, so that the benefit goes to the child at a key point in his or her entry into adulthood - such as college, a driver's license or a home equity contribution.

What if the policyholder dies before the end of the contract?

The child receives a monthly annuity of 2% of the sum insured until the end of the contract period. At the same time, Generali takes over the obligation to pay premiums - the contract continues unchanged. At the end of the insurance period, start-up money will also be paid.

Can protection be extended to include the child's health?

Yes. Extensions include a health package that covers serious illness (malignant neoplasm, coma, bacterial meningitis MR), hospital stay, major surgery, additional medical opinion, injuries (fractures, dislocations) and reimbursement of medical expenses after NW.

Can insurance be a gift from grandparents?

Yes - the policyholder does not have to be the child's parent. „With the child in mind” is a popular gift from grandparents or godparents. The person making the contract pays the premiums, and the child is the insured and the beneficiary of the payout at the end of the period.

Does the policy replace the school's NNW?

It doesn't. „With a child in mind” is primarily life insurance with a savings element - it does not provide comprehensive NNW (accidental death) protection. It can be a valuable supplement to school NNW, but does not replace it.

How do I report a loss at Generali?

Most conveniently online through the „Report a loss” form on the Generali website. You can also call the experts at 913 913 913, and a policy advisor will help you through the entire application process.

Why choose „With a child in mind” from Generali?

Generali „With a Child in mind” is a practical combination of long-term savings and protection. It gives the family real financial support in the event of a child's serious illness, and in the most difficult situations guarantees the continuity of the plan through the assumption of premiums and a pension for the child. At the start of adulthood, the young person receives funds that can help finance schooling, a driver's license, an equity contribution or the first piece of equipment for work. The policyholder can be more than just a parent - it's also an ideal gift from grandparents or godparents for a grandchild's future.

Contact a Polisarium advisor to match benefit amounts and coverage to your family's needs.

With the child in mind