I won't say much about the specific insurance comments, but it's similar. Here Xiaoqi still tells the landlord some ideas about choosing child insurance:

For buying insurance for children, it mainly depends on the child's personality and the environment in which he grew up. The most common thing that happens to children is that cats scratch dogs and bite. This kind of insurance with accident medical insurance liability can be bought online, and it can generally be solved without going to 300 yuan.

If you think your child's system is weak and your family's economy is ok, you can buy a major illness, and less than 500 is enough. As for the education fund recommended by the agent, unless it is allocated before the child is 3 years old, and the family is well-off, you can allocate it a little, otherwise don't consider it, because the interest rate of education fund insurance is relatively low, and spare money is not as good as going to buy buy Bank for wealth management and P2P products.

In my opinion, the distinction made by children at different ages is mainly the difference between medical care (accident and serious illness) and education fund, and the interest on education fund takes a long time to play a role.

Recommended order: accident first, serious illness second, education fund last.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.