Our baby just bought Ping An Insurance (Xinli) for him two months ago, paying more than 3,400 yuan a year and returning it every other year 1400, with floating dividends. When the baby was 3 months old, it took 1800 to be hospitalized with bronchitis, and it was reported as safe 1400. In fact, it is more appropriate to buy insurance, just to save money for the baby. Besides, it is difficult to keep a child from getting sick. There is more than one child now, so there is nothing to lose by spending and buying insurance, and it is not impossible to get the money back then.

Follow-up: By then, how many years later? How much can I get?

Answer: I have paid for 20 years, and I can get it after 20 years, but if I don't take it, I can always get dividends. Anyway, in 20 years, you can take it whenever you want. Of course, if you don't take it, you can always get dividends.

Follow-up: Isn't RMB devaluation a loss in the future?

Answer: devaluation is better than putting it in the bank, and there is no interest. Buying insurance is just a matter of knowing, giving the baby a guarantee.