Children are curious, lively and active, but have a poor sense of self-protection. They belong to a vulnerable group in society and are more likely to have accidents. According to the latest statistics, accidental death in childhood is increasing at the rate of 7% ~ 10% every year, and the proportion of accidental death and injury in some areas is as high as 1: 19, which has become the first cause of death for children aged 0 ~ 14 in China. The main causes of accidental death are accidental suffocation, drowning, traffic accidents and poisoning, among which the increase in traffic accident mortality is particularly significant. The main causes of accidental injuries are falling, burns (scalds) and animal injuries.

The characteristics of insurance: low premium, high security and no return.

Applicable family: basic purchase, only accidental injury.

2. Children's health insurance

The characteristics of insurance: low premium, high security and no return.

Applicable family: basic purchase, children's physique is weak.

3. critical illness insurance

The younger the insurance age, the cheaper the premium. In the past, many companies stipulated that people above 18 could buy critical illness insurance, but with the increase of insurance products, children below 16 can now buy this insurance.

4. Children's education savings insurance

The characteristics of insurance: regular fixed payment, more deposits and more returns, and protection beyond savings.

Applicable families: targeted medium and long-term reserves. At present, many insurance companies design education funds and children's death protection together, so buying education funds insurance has an additional protection function compared with simple investment channels such as savings. In addition, buying insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.