As the most basic and practical insurance portfolio for children, it should be based on education funds and comprehensive accidental hospitalization.

After having a sound insurance foundation, we should consider serious illness and old-age insurance, just like Gai Lou. Basic engineering is very important.

Children's insurance (education fund) means that you must have high school college education fund, extra venture fund and marriage fund!

The annual premium is about 15- 20% of the annual income, which is reasonable!

The most basic (practical) insurance portfolio for children, in short, an example of a one-year-old baby:

1. If you invest in an education fund for your child, 15 pays 80,000 yuan, your child can get 60,000 yuan for high school and college, 20,000 yuan for marriage, and 60,000 yuan is still in the account. Get a pension at the age of 60, 3000 a month, 700 thousand in 20 years! After the age of 80, there is still170,000 in the account! When you 100 years old, there will be 550,000 yuan in your account. If you 100 years old or die, you will pay another 50,000 yuan! Return 8% of the insured amount every 3 years and receive it for life!

2. Attach comprehensive accident hospitalization insurance! Including reimbursement of all unexpected hospitalization medical accidents! There is no limit to the number of reimbursement, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!

3. You can attach a critical illness insurance, which can guarantee you to be 88 years old, pay for 20 years, the insured amount is 50,000 yuan, and the accumulated payment is 1.6 million yuan. You can get 40 kinds of critical illness insurance, enjoy the triple disease compensation mechanism, enjoy the annual bonus and the final bonus at the same time, and receive 50 thousand yuan at the end of the contract at the age of 88!