“The most precious thing in your life is your child.

And valuable things deserve special protection ”- this is how Allianz, the largest German insurer, advertises its children's policies.

Parents, grandparents or godparents should provide financial security for their offspring from birth.

The other insurers also offer all kinds of special products for children.

But parents shouldn't let themselves be guided by improper care: many of these policies are not only overpriced, but also unnecessary.

WELT shows which protection is really worthwhile.