Four-year college insurance usually provides protection for students during their school days. Accident insurance is mainly aimed at the losses caused by students' accidents during their school days, such as traffic accidents and falls. Medical insurance is to protect students' medical expenses for sudden illness or medical treatment during school. Personal accident insurance is specially provided for students, mainly to deal with students' disability or death caused by accidents at school, and to give corresponding compensation. The purpose of these insurances is to ensure the safety and health of students during school and provide necessary financial support.