Children's Savings Plan
- Start from 25 € per month
- Adjust contributions flexibly anytime
- Contributions covered in case of death
- Family can deposit cash gifts
- Choose access age 18 or 25
- Advice rated 4.8 out of 5 stars
- 150+ plans compared for you
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Description
Kids grow fast, and costs do too. With a Children's Savings Plan, you can build a long-term fund for their future simply and affordably. Starting from just 25 €, you can save for their later life in low-cost funds that track the stock market.
You can adjust the contributions anytime without drama. If something happens to you, the insurer continues paying contributions until your child turns 27. You also secure easier access to occupational disability insurance for them later.
Markets fluctuate, values can rise and fall. Starting earlier gives more time to smooth out the waves. Book a consultation now, we'll compare the best options, you choose, and we'll handle the rest.
Reviews
When you're expecting your first child
Suddenly your world is lists, name ideas, and wondering how many onesies a human actually needs. Fair if insurance drops to the bottom. A quick check now means fewer admin surprises when the little one arrives.
Essential cover
for this moment
When you adopt a child
You’re adopting—big heart, bigger paperwork, and a tiny human who now counts on you. Emotionally and financially. Let’s sort a few basics so you can focus on settling in, not surprise bills.
Essential cover
for this moment
What is covered
When protection kicks in
Who and what is protected
What is included
Not covered
Market losses
If you die during the term, the insurer pays the agreed contribution until the agreed end, up to age 27. This secures your child's future even in the worst case, the pot keeps growing without new costs for family.
Job loss of the payer
Your contributions flow into diversified index funds that track global stock markets. Even small amounts can make a big difference over time thanks to compound interest.
Child medical treatment costs
Increase, decrease or pause contributions whenever your situation changes, without additional fees. Real life is messy, your savings plan stays flexible.
Lump sum on payer death
You start with a short personal consultation with us. We help you find your best individual protection. After signing up, we continue to help you personally or simply via the Getsafe app.
Documents
Who can open a Child Savings Plan and who is eligible?
A parent or legal guardian opens the plan for a minor. You stay in control until the age you set, for example 18 or 25. With your consent, grandparents, godparents, relatives or friends can open or pay into a plan for your child.
What does the plan cover for my child and me?
- Regular investing in broad-based funds, starting from about 25 euros per month - Long term growth potential, values can rise and fall - Option to continue later as private retirement savings on good terms - If something happens to you, the insurer can take over your monthly payments until your child turns 27 - Flexible contributions and fund changes - Potential tax perks over time
Is there a waiting period before protection applies?
Saving starts right away once the plan is active. The premium waiver protection usually applies from the policy start date, subject to the provider's terms. If a waiting period exists, it is short and we show it clearly in your personal quote.
How do payouts and taxes work when my child withdraws money?
Taxes only apply when money is taken out. If the payout stays below the tax-free allowance, no tax is due. Interest or gains may trigger a small tax. Some plans can grow tax free if invested long enough. Family can use gift allowances to contribute without tax. Our team can explain your exact options in a free call.
How do I make a claim if I die or become unable to work?
Open the Getsafe app or contact our concierge. Tell us what happened and share the documents the insurer needs, for example a medical report or death certificate. We guide you step by step. Once approved, the insurer pays the monthly contributions until your child turns 27, according to the policy.
Can I change or pause payments, or switch funds?
Yes. You can increase, reduce or pause payments at any time. You can also switch the fund selection. No need to restart the plan. If life happens, adjust and keep going. Our team can help you find the right level.
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100% in English, 100% digital
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Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
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Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
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