From the demand point of view, it is expected to be used as education savings, and the budget is close to 1,. If it is paid in 2 years, 2, yuan will be paid in 2 years, which should have a good education accumulation. However, this type of insurance is a three-year return, and the principal paid is returned to 12% of the insured amount every three years, that is, 5, × 12% = 6,. When I was 18 years old, I returned it five times, that is, 3 thousand. Obviously, 3, yuan is not enough for education. Therefore, from the perspective of educational needs, after buying this insurance, you need to deposit another sum of money. This scheme is still relatively comprehensive, but the disadvantage is that the coverage is not high, especially for major diseases. Once it happens, it is difficult to solve the problem with 4 thousand compensation, and family savings have to be used for emergency, but that may affect education savings. There is another problem, that is, for most families, this budget is too high. After all, children are not the backbone of the family and the focus of family security. However, relatives know your family situation, and I think his design is in line with your family situation. For most families, the recommended scheme is as follows: children usually care about education and medical care, but no product is perfect. The combination plan must be the most suitable for you. Here are some suggestions and examples. Key points of children's medical insurance: purchasing it separately does not need the main insurance, with wide coverage, high reimbursement ratio and many counterpart hospitals. The best scheme: -3 years old, children's Baokang+residents' medical insurance, residents' medical insurance+academic insurance education insurance after 3 years old, must be achieved. 1. The budget cannot be increased, which is equivalent to saving in another place, instead of spending a sum of money to buy insurance, and another education fund must be saved. 2. The deposit amount can be withdrawn at will. So it shouldn't be three years or something. 3. It is best to resist inflation. Insurance can provide compensation in case of major risks and expenses. And after compensation, we can continue to provide education funds. In case parents are at risk and can't continue to save money, insurance should also provide education funds. 6. It is best to protect the children for life, and save the cost of buying insurance again after the demand for security has increased greatly. 7. It is best to give financial help to children at all stages of their lives, such as getting married, starting a family and providing for the elderly. Only in this way can we ensure that education will not be affected no matter whether life is smooth or not. Recommended savings (investment) insurance is equivalent to a wealth management product. You can choose to save or buy a fund. In case of risk, you can pay an extra large sum of money to help tide over the difficulties, and return it to the wealth management account to meet the needs of fund utilization. For example, you can deposit it in 45 yuan every month, and invest 1, yuan in 18 years, which is equivalent to current savings. You can withdraw funds at any time, and the withdrawal will not reduce the protection effect, and it will also bring benefits to resist inflation. Calculate the principal and interest of the account at the age of 18 according to the current level. In case of serious illness, an additional compensation of 1, yuan will be paid. After compensation, 15, yuan in the account can still be withdrawn at any time. If an adult is seriously ill, there is no need to pay any more fees from now on. We will pay for your savings to ensure that your children's education will not be affected. No longer save money, but the income from account financing will be more and more. By the age of 25, the personal account will reach 24,, 34,, 4,66, and 5,. If you want higher returns, you can adjust your investment channels to funds. In addition to the above savings and financial management, it also gives children a lifetime guarantee. Different from other insurances, it can also be returned to the financial account after compensation. It is the fastest, most profitable and most guaranteed insurance in the market. It can meet a variety of financial needs such as education, entrepreneurship, marriage and pension, as well as high security such as death, disability and serious illness, and other medical insurance can be attached. There is a special topic for children in my space, which you can refer to: 621989

Extended reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.