Hello! When buying insurance for children in the school season, we must first deal with the risks brought by accidents and diseases. We should put accidents, serious illness and medical care first, and then choose education fund insurance. However, different growth stages have different emphases. Generally, children aged 0-6 should focus on health risks. Children aged 0-6 have the highest proportion of claims due to diseases, accounting for more than 80%. Nearly half of claims are due to bronchitis and pneumonia, and the average amount of claims per claim is around 900 yuan. At present, accidental injury, medical insurance and hospitalization insurance are often forms of additional insurance. Children aged 7- 18 are at risk of trauma and education expenditure. At this stage, the proportion of children's claims for illness is low, but accidental injuries, such as being bitten or scratched by dogs, scalded by hot water, injuries caused by falling, jumping or being pushed from a height, and fractures of forearms, calves and shoulders, have obviously increased. , accounting for more than 60%. Therefore, at this stage, we should pay special attention to the necessary child accident insurance protection. At the same time, parents can also focus on using children's insurance to start saving education funds for their children. It should be reminded that parents should pay attention to whether the product has a "premium exemption" clause when insuring minors. The so-called "premium exemption" means that because minors do not have the ability to earn income, they may not be able to guarantee the premium expenses when the family breadwinners encounter major problems that affect their income. Those who are exempt from paying premiums can enjoy normal protection without paying premiums.