You can insure it. Disabled children have the same right to protection as normal children. Disabled children's insurance can be covered by savings education insurance, other accidental injury insurance, medical insurance, etc., and it is necessary to negotiate with the insurance company, and it can be exempted from some responsibilities or other insurances. Regardless of whether the child is healthy or not, parents should buy basic protection for disabled children.

Parents can consider buying some commercial insurance for disabled children. Disabled children need more care and protection than normal children. There are three kinds of children's commercial insurance: children's accidental injury insurance, children's health insurance and children's education savings insurance; It should be noted that when parents choose to buy insurance for disabled children, they should truthfully explain the situation of disabled children to insurance companies. According to the suggestion of the insurance company, both parties can negotiate to buy accident insurance and medical insurance suitable for disabled children. Only by telling the truth can they buy more suitable products. For children's education savings insurance, regardless of whether the child is disabled or not, parents can make appropriate choices according to the child's situation; Disabled children may not be as healthy as normal children due to some diseases or accidents, and the insurance company may increase the expenses or exempt some responsibilities according to the situation. Parents need to choose insurance coverage carefully to avoid claims disputes; Insurance for disabled children will not affect education savings insurance; Therefore, accident insurance, medical insurance and critical illness insurance should be fully considered when buying insurance for disabled children, and the education fund can be determined according to the situation.