The baby's commercial insurance is divided into two parts, first buy basic protection and then consider the education fund.
First, basic security, serious illness, hospitalization, accidents, is very cheap.
1, accident insurance. Children are naturally active, and curiosity is inevitable.
2, hospitalization insurance, the baby's immunity and resistance are not as good as adults, and those who have a cold and fever should be hospitalized.
3. critical illness insurance.
The second is the education fund planning. Divided into two parts, education fund savings and education fund protection.
1, saving means buying savings insurance or saving money to force yourself to save some money for children to go to school, so that you don't do other things at ordinary times and don't have to pay tuition, which is necessary for people with weak self-discipline ability.
2, education security, children's tuition depends on parents to earn, that is to say, parents must be healthy and safe. Once you can't make money, your child will have no money to spend. You should buy insurance for yourself and designate your child as the beneficiary. When they can't make money when they are out of danger, the insurance company loses money to protect the children.
Don't buy the dividend insurance that guarantees you a lifetime return every year. That's not education insurance. Education fund insurance guarantees that you will receive money every year for four years until you graduate from college, and some will give you a wedding fund at the age of 25.