1, do what you can
As far as buying insurance policies is concerned, parents need to do what they can, and the premium should not exceed 20% ~ 30% of family income, otherwise there will be a relatively large economic burden.
2. Extra medical care
For newborn babies, families with average income should make medical preparations for their children. At present, most children's education insurance can be considered, as well as additional children's medical and accidental injury insurance.
3, catch up early and not catch up late
Generally speaking, it is most appropriate for parents to take out insurance before their children are 5 years old, because the earlier they take out insurance, the more education funds they accumulate, the less they pay each year, and the earlier they are guaranteed. For example, if you buy the same insurance, you have to pay the same fee every year. If you are insured at the age of zero, you will eventually get twice as much education as when you were insured at the age of six.
4. It is very important to be free of premium.
Try to buy education fund insurance products with premium exemption clauses, so that even if parents have a serious illness or accident during the payment period and lose the ability to pay premiums, the insurance contract is still valid and the expenses required for their children to go to school can still be guaranteed.
Comments: First, you need to do what you can to buy the education insurance fund, and the premium should not exceed 20% ~ 30% of the family income; Second, additional medical and accidental injury insurance for children; Third, insure in advance; Fourth, try to buy education fund insurance products with premium exemption clauses.