Children usually buy them. It is suggested that the mid-range medical handle can include both outpatient and inpatient responsibilities, and the child aged 0-7 is about 2000 yuan a year. For more suggestions on children's insurance, please see this article "The most comprehensive strategy for children's insurance: don't buy insurance next time"
You can also choose a small hospitalization plus millions of medical care. Generally, the Million Medical Association will have a deductible of 1 1,000 yuan (at its own expense). For children with high-risk diseases, such as acute pneumonia, the cost may not exceed 10 thousand yuan, so it can not be reimbursed, but a small amount of hospitalization can be supplemented by two or three hundred yuan a year.
How to choose the above two can be measured by ourselves, from the perspective of security responsibility and premium.