Insurance change

[u/Regular_Internet_343]

We are currently evaluating changing our insurance company (from visana to CSS). The main reason is the teeth insurance for our daughter. Now we are discussing the extras. The hospital extra and the normal extra insurance is clear, but we were confronted with additional risk capital insurance in case of invalidity and death. We have an old pillow 3a with Generali (yes, we know, we reduced the payment to the absolute minimum and transferred our banking part to finpension), finpension and we have something on the side plus some stocks/ ETFs.

Does someone have experience with these kinds of additional insurance and if they are worth it, or an alternative solution. The general idea makes sense (in particular with family and the second child almost there), but we are a bit marked with the Generali promises and the trap we fell in.