Children's hospitalization fund insurance generally refers to the public welfare project of social mutual assistance launched in Shanghai. After paying the annual fee, the fund will bear part of the medical expenses and provide medical security for children hospitalized due to illness. Children's hospitalization fund insurance can not only provide medical expenses for children, but also reduce the economic burden brought by children's illness and make up for family medical expenses, which has certain guarantee significance.

1. Children's insurance: Children's insurance is an insurance product specially designed for children, which is used to solve the expenses of education, entrepreneurship, marriage, etc. in the process of children's growth, as well as the risks that children may face such as illness, disability and death.

2. Children's medical insurance: Health medical insurance can prevent the risks brought by medical expenses caused by diseases during children's growth, and prevent children from getting high-quality and fast medical services due to economic reasons.

3. Children's accident insurance: Children's curiosity about new things and lack of awareness of risk aversion determine that children's accidents are higher than other people. This kind of insurance can actively prevent the risks arising from external accidents during the child's growth.

4. Children's education insurance: Children's education is a major event and an important responsibility and obligation of parents. The process of education is continuous, and the economic cost behind it is high and huge, so it is necessary to make preparations as soon as possible. This requires parents to make a long-term preparation plan for their children's future education expenses, so as to ensure that their children can get the funds needed for quality education in the future with the concept of compulsory savings.

5. Purchase principle:

1. Adults first, children later.

In a family, parents are the mainstay of the family economy. Only when parents' health and stable economic income are guaranteed, the protection of children is not empty talk. The annual premium paid for children should not exceed that of parents. If you can't take care of both, you should give priority to adults.

2. Guarantee first, income second.

Some parents have several dividend-paying education insurances, but none of them are guaranteed products involving accidents and diseases. Experts suggest, first of all, to ensure the healthy growth of children, the order of purchase is accident insurance, medical insurance and education insurance, and other types of insurance can be supplemented as appropriate. (This answer is for reference only, not as any insurance advice)