1. medical insurance: medical insurance can cover children's medical expenses, including outpatient, hospitalization, surgery and other expenses. When choosing medical insurance, we can pay attention to the coverage, reimbursement ratio, deductible and other factors.
2. Critical illness insurance: Critical illness insurance can protect children from major diseases, such as leukemia and malignant tumors. This kind of insurance usually provides a one-time payment to help families cope with sudden economic pressure.
3. Accidental injury insurance: Accidental injury insurance can protect children from medical expenses, disability and even death risks caused by accidental injuries. When choosing accidental injury insurance, we can pay attention to such factors as the insured amount, deductible amount and compensation ratio.
4. Education fund insurance: Education fund insurance is a kind of savings insurance, which can help parents prepare for their children's future education expenses. When choosing education insurance, we can pay attention to the income, collection method and coverage of insurance.
5. Investment-linked insurance: Investment-linked insurance is an insurance with investment function, which can help parents prepare for their children's future education expenses or other large expenditures. When choosing investment-linked insurance, we can pay attention to the investment channels, risk level, income and other factors of insurance.
When buying insurance, it is recommended that you choose according to your family situation, the actual needs of your children and your own economic situation. You can consult a professional insurance consultant to get more specific suggestions and plans. At the same time, when buying insurance, you must read the insurance contract carefully and understand important information such as insurance liability, exemption and surrender policy.