Children are usually insured against both illness and accident by their health insurance provider. This "children's accident insurance" is part of the basic insurance coverage from the health insurance provider and will cover medical expenses following illness or accident. However, the financial impact resulting from a loss of earnings from gainful employment is not insured. This is precisely where Zurich Junior comes in: alongside other benefits, this children's insurance offers income replacement if a child is unable to seek gainful employment as an adult due to illness or accident.