This is necessary. It is a comprehensive security product specially designed for infants aged 0-2 in the family, including accidental injury and death, hospitalization allowance, emergency reimbursement for hospitalization, maternity allowance, etc. Shanghai Medical Mutual Fund for Primary and Secondary School Students and Infants (hereinafter referred to as Children Hospitalization Mutual Fund) is a public welfare and non-profit medical security mutual fund jointly established by the Municipal Red Cross Society, the Municipal Education Commission and the Municipal Health Planning Commission on 1996.