The child is now 16 months old and wants to buy him an education grant+general hospitalization insurance. Who has experience, please introduce?

Hello: children's medical insurance, the key point: independent purchase does not need the main insurance, with wide coverage and high reimbursement rate. The best scheme: 1 year-old, centennial baby card 300 yuan insurance 1 10,000 hospitalization 5,000 accidental medical treatment+children's critical illness insurance 1 10,000 200 yuan+a small medical insurance 1 10,000 yuan education insurance, and it must be 65,438. So it shouldn't be two or three years. 2. It is best to fight inflation. 3. It is best to give financial help to children at all stages of their lives, such as getting married, starting a family and providing for the elderly. Because the income of ordinary dividend-paying and universal insurance in China is low, only 3-4% per year, and it is generally collected at universities of 18 years old, so it is not ideal. I suggest you raise your budget appropriately, and consider the newly launched "investor trust" overseas fund in the United States to make a fixed investment. I'll give you a plan: for children aged 1 year now, save 1 10,000 for one year, 10 year. According to the intermediate rate of return, children from 15 years old to 17 years old receive 30,000 yuan a year and receive a three-year high school education fund; From 18 to 2 1 year-old, you will receive 60,000 yuan every year, and you will receive 440,000 yuan when you are in college for four years. When the child is 25 years old, there are still 600,000 in the account for him or her to start a business or get married.