Hello, first of all, congratulations to your baby for knowing how to protect your parents! Here's the thing: 1. For the baby, it is recommended to improve the most basic medical insurance or rural cooperative medical care first, and then consider buying commercial insurance for the baby. For commercial insurance, it is suggested that children's accidental medical care and hospitalization medical care should be considered first, then major illness protection should be considered, and finally children's education fund reserve should be considered; 2. According to what you said, it is suggested to add a children's insurance protection plan for serious illness+accidental medical treatment (such as Kangyue serious illness+Anyi accidental injury insurance of AIA) to provide basic protection for children first; Secondly, we can increase children's education funds (such as AIA's future, century talents and so on). ); If you consider long-term capital flow replenishment, you can add a Hsi Chin series annuity product to protect your child's life; Parents are actually the best insurance for children. Therefore, I hope that before considering protecting children, please don't forget to consider your own protection; Here are two cases for your reference. The premium and insurance amount can be changed according to your actual needs. I hope I can help you! Wish you a happy life! Reference: Light up every day of children's growth with love! Give your child a lifelong love-AIA Gold ...