According to the Notice of the Ministry of Education on Reiterating that primary and secondary schools are not allowed to apply for student insurance:

Education administrative departments and schools at all levels should strictly implement the Notice of the General Office of the State Council on the Implementation Opinions on the National Management of Arbitrary Charges in Primary and Secondary Schools (Guo Ban Fa [1996]18). "All social insurance related to students is voluntarily handled by students and their parents in insurance institutions. Schools and their teaching staff shall not act as agents, and student insurance shall not act as agents in any form.

Extended data:

The purpose of prohibiting schools from buying insurance on their behalf:

(1) Give parents more opportunities to get in touch with insurance.

Now it is forbidden to buy at school, and it is forbidden to buy on behalf of parents. Parents have another chance to get in touch with insurance.

(2) Let parents have a stronger sense of insurance.

Buying insurance for children is one of the most important things parents should do. The school buys insurance for students, which is equivalent to replacing this part of parents' work, so it ignores parents' learning about insurance knowledge. The school prohibits purchasing, so parents need to know more about insurance and know more about insurance knowledge.

(3) Let students have more protection.

Schools buy insurance for students, which makes many parents think that it is enough for their children to buy such insurance. In fact, it is far from enough. Children may need more protection such as accident insurance. If parents are asked to buy, they may buy more and more comprehensively.

(4) Promote parents to buy insurance.

If there is no school to buy insurance, parents of students will go to commercial insurance institutions to buy insurance after they have a good understanding of insurance. Let parents realize the benefits of commercial insurance, which may not only buy insurance for their children, but also buy more insurance for their families.

References:

Ministry of Education-Circular on Reiterating the stipulation that primary and secondary schools are not allowed to handle student insurance.