Risk guarantee type
This kind of insurance is designed for children's diseases and accidental injuries that are easy to occur during their growth, and mainly provides risk protection for children's diseases and accidental injuries. This kind of insurance pays a small premium, but it provides a high amount of insurance.
Educational savings type
This is designed for the large expenditure of children's future education. When the children reach the fixed number of years agreed in the contract, they can get certain education funds, which can reduce the burden on parents. The education savings fund has the dual functions of saving and ensuring.
What kind of children's education fund is good? How do parents choose education funds? When choosing an education fund, we should pay attention to the following three points:
1. Adults are the greatest protection for children. Even if we are choosing an education fund for our children, no one can predict the future risks. Therefore, when choosing, we must first let adults have sufficient protection.
2. You can choose high school or university education, especially university education.
3. Long-term fund products with additional exemption clauses can be appropriately planned.
Generally speaking, children's education funds are not comprehensive, and there are many kinds of children's insurance funds. It is better to plan a fund portfolio with both purchase guarantee function and savings function for children, instead of children's education fund.
In addition, because children's education funds often need to be accumulated for a long time, generally 10- 15 years. When choosing a children's fund, parents should not give up because of the long cycle. The sooner you buy a savings-based children's education fund, the easier it will be to accumulate children's education funds in the future.