The core function of insurance is security, and security insurance is of great significance and has leverage effect.
Because of the unpredictability of accidents and diseases, once an accident occurs, it will have a serious impact on the economic situation of the whole family.
Therefore, accident insurance and health insurance are necessary for children. There are many types of accident insurance and health insurance, which can be chosen according to your family situation and needs.
As for the education fund insurance, its biggest function is compulsory savings, and the income will not be too high, so whether it is necessary to buy it depends on the investment channels and investment preferences of customers' families.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.