If you want to configure children's education insurance, you can go to the offline service outlets of the insurance company to purchase it, or purchase it directly on the official website of the insurance company.

Regarding the difference between buying education insurance insurance online and offline, you can read this article: Is it reliable to buy insurance online?

What is the difference between online insurance and offline insurance?

Child education pension is a kind of annuity insurance that prepares education funds for children in advance.

So what should parents pay attention to when configuring children’s education insurance?

1. Protect first, then manage finances. Some parents are willing to spend a lot of money to buy education funds for their children, but they ignore basic protection and put the function of insurance before the horse. I think it is undesirable.

Since children mainly face risks of illness and accidents as they grow up, you must first set up a health protection system for your children before considering purchasing education insurance.

The school sister suggested that the first insurance for children should be: children's medical insurance + critical illness insurance + medical insurance + accident insurance.

Many parents may be worried that if they buy multiple insurances at the same time, will there be a claim conflict?

Actually no, the specific explanation is as follows: What is the difference between critical illness insurance, medical insurance, accident insurance and life insurance?

Will there be any conflicts during claims settlement?

2. Choose the coverage period based on your financial situation. Children’s education insurance on the market is divided into non-lifetime and lifelong types. Parents naturally want to give their children the best protection, but considering practical factors, it is recommended that parents choose based on their own financial status.

product type.

If the financial conditions are average, it is recommended to choose to protect the child until he graduates from college. If the financial conditions are strong, the child can naturally be protected for life, so that the child can receive pensions, birthday benefits, etc. when they are old.

If you want to configure a non-lifetime insurance, then China Merchants Renhe Xiaozhuangyuan Education Insurance is very good. The protection liability of this product covers death insurance, survival insurance, and maturity insurance, and can protect the insured until he is 21 years old.

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