Before applying for commercial insurance, children's social security should be applied for first, and then commercial insurance should be applied to make up for the lack of social security.

The core function of commercial insurance is security, so it is mainly based on security insurance. Because accidents and diseases are unpredictable, once they happen, they will have a great impact on family finances. Therefore, you can insure your child against accident insurance and critical illness insurance.

Accident insurance can be insured with a consumer accident insurance, with an annual premium of several hundred yuan. The main protection includes accidental injury and accidental medical treatment, and some also have accidental hospitalization subsidies.

There are many options for critical illness insurance, including consumer insurance, return insurance, term insurance, life insurance, dividend insurance (American dividend insurance and British dividend insurance) and non-dividend insurance. You should choose this according to your own needs and actual situation.

Of course, education fund insurance can also be considered, but the income will not be too high. The biggest role is to force savings and choose according to your own investment channels.

I hope I can help you!