Children's education insurance can generally be divided into two types, as follows: 1. The insured amount is the same as the total refund amount, and dividends are paid every year. The so-called dividends here are accumulated in the insurance amount, not returned in cash; 2. The return of the insured amount and the total amount does not increase much, and dividends are paid every year, but the dividends here can be returned to the insured in cash. But also with accident insurance, when the insured has an accident, he can get compensation from the insurance company; Children's education fund generally includes fixed investment, education savings, dividend insurance and other financial products, which is the best way to prepare education fund for children. China Merchants Cigna Children's Education Fund is a tuition savings fund prepared by parents for their children's future. It can be divided into ways to collect funds for high school and university education, and at the same time, it can also prepare special savings funds for children to get married and start businesses. For example, China Merchants Cigna can choose to pay the future children's education fund for 3 years, 5 years, 8 years and 17 years. China Merchants Cigna's Children's Education Fund can not only receive money for eight consecutive years, but also include 400% education funds and 400% critical illness protection, with extra dividends every year. Children's education gold insurance has both dividends and value protection.