Legal analysis: every insurance company has different insurance products for children's education, and the rules for receiving insurance benefits are also different. According to China Merchants Cigna Bianxiao, most children's education insurance will pay insurance premiums according to their different stages of education. If the children do not reach the age or education stage stipulated in the insurance contract, they will not be able to obtain insurance benefits.

Generally speaking, the return of children's education insurance mainly has the following three ways:

1. After the insured pays, the insurance company will return a certain amount regularly.

2. From the time agreed in the insurance contract, return a part of the insurance money every year to support the children's studies, such as when the children are in high school or when they are in college.

3. Return all the insurance money in one lump sum within the time stipulated in the insurance contract.

If the child reaches the age of receiving the children's education insurance money, the insured needs to inform the insurance company first, and then prepare the corresponding application materials to submit to the insurance company, such as the insurance contract and the insured's household registration certificate. After verification by the insurance company, the insurance company will transfer the corresponding funds to the account of the insured.

Legal basis: People's Republic of China (PRC) Insurance Law.

Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness.

Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.

Article 12 When concluding an insurance contract, the applicant of life insurance shall have insurable interests for the insured.

The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident.

Personal insurance is an insurance with human life and body as the subject matter.

Property insurance is insurance with property and its related interests as the subject matter.

The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured.

Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.