In addition, you can also consider buying a mutual fund for children's hospitalization (about 40-50 yuan/share/year) at the Social Security Bureau or the street office where the household registration is located, so that the protection of children's medical insurance will be improved. When the child is older, buy him some insurance that suits his needs.
I want to know, do parents have insurance now? It is a misunderstanding to protect children more than adults. If the child's parents have no protection, even if they buy insurance for their children, the protection may be unstable. Suppose: once something happens to parents, what will the child's future premium be paid for? Therefore, it is suggested to establish a security system for children's parents first (taking social security first, and gradually strengthening and perfecting the allocation of commercial insurance on this basis), and then buying some basic insurance products for children (buying insurance should be a gradual process). Only in this way can it be a scientific and correct insurance choice.
It is very important to take out commercial insurance and choose a salesman who is proficient in business, trustworthy and responsible. I hope you can find an ideal salesman and let him design the insurance scheme that you really need and suits you for you and your family.
Personal opinion, for reference only.
Good luck!