The college education fund insurance is a long-term insurance. The compensation you mentioned is limited to the protection of serious illness or accident in the college education fund insurance you bought before. Only when the risks stipulated in the insurance contract occur can you get compensation. When making a claim, it is recommended to inform the insurance company at the first time and tell the details of the accident, and then give a confirmation letter to the hospital to get a one-time compensation for serious illness, because serious illness insurance is generally confirmed to get compensation. In case of unexpected medical accidents, medical expense documents should be kept for future settlement. In order to facilitate your later claims, it is suggested that you purchase college education insurance through the formal insurance platform as soon as possible. If you buy college education insurance through Huize. In the future, you can also get the whole process of claim guidance and assistance services. The coverage of Sunshine Travel Education Fund Protection Plan (dividend-paying type): * Junior high school/senior high school/university education fund is optional * Death fund * Minimum monthly fee for special high-risk diseases-insurance disease protection 100 yuan. 1. The minimum monthly expenses of the education fund protection scheme for growing children are: * growth care fund, maturity insurance fund, death insurance fund * special payment fund * special premium exemption protection is 436 yuan.