1, the answer is yes, because to measure whether a product is cost-effective, it depends not only on whether the price of this product is affordable, but also on the benefits that this product can bring us. Parents have been paying attention to whether it is cost-effective to buy education insurance. In fact, as long as you buy the right children's education insurance products, suit your own needs and use them in the right place, such education insurance is naturally cost-effective.

2. Education fund insurance is actually insurance for the purpose of preparing education funds for children. Education insurance is a kind of savings insurance, which not only has the function of compulsory savings, but also has a certain guarantee function. Although the insurance premium is paid to the insurance company every year during the payment period, the children get a lot of insurance funds from it. And children who are seriously ill can be guaranteed. At the same time, they have enough financial support for their high school, university and even later entrepreneurship and marriage, which well guarantees their future education.

Matters needing attention in purchasing children's education fund insurance

1. Do your best. Now many families have the psychology of keeping up with the joneses. If you buy insurance just to keep up with the competition, then you can't give full play to the role of education fund insurance.

2. Pay attention to whether medical insurance is attached. Many families buy education insurance for their children when they are just born, but their children have poor resistance when they are young, so it is best to include health insurance.

3, catch up early, not catch up late, generally speaking, it is most appropriate for parents to insure their children before they are four or five years old, because the earlier the insurance time, the more education funds they accumulate, the less they pay each year, and the earlier the protection.

The most important point is free of premium. This is a clause that must be understood when purchasing education insurance, because if there is premium exemption, even if the insured cannot bear the education expenses of the children due to accidental death or total disability, the insurance company can waive the remaining premium and the children will enjoy protection.

There are four principles to remember when buying insurance for children.

1. Choose a qualified insurance agent before purchasing. Choosing a good agent can provide customers with professional and comprehensive services.

2. Read the insurance clauses carefully and choose the insurance that is really suitable for children. Before buying, you can ask the agents of various insurance companies for terms, and then compare them to choose the insurance with the best cost performance.

3. Keep relevant insurance certificates. If the product expires, don't forget to renew the warranty. Although under normal circumstances, the insurance company will remind you to renew your insurance on time when the policy expires, you should also pay attention to keeping in touch with the insurance company. If you change your address and telephone number, you must inform the insurance company in time so that both parties can get in touch.

4. Be careful when buying insurance. Don't buy blindly because of impulse. Insurance is different from other commodities and cannot be transferred to others. So when you buy it, you should weigh whether it is needed or not to avoid wasting money.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.