开学在即，如何利用保险守护新学期？

Group 1 - The article discusses the dilemma parents face regarding purchasing insurance for their children during the back-to-school season, highlighting the introduction of new insurance products that cover various risks such as accidental injuries and medical expenses [1][4] - Insurance companies have launched specialized insurance products for students, offering different coverage amounts and premium options, with annual premiums ranging from 59 yuan to 279 yuan for coverage amounts of 50,000 yuan, 100,000 yuan, and 200,000 yuan [4][6] - The article emphasizes the importance of rational decision-making by parents based on their child's age, health status, and family financial situation when selecting insurance products [3][8] Group 2 - The newly launched student insurance products provide comprehensive coverage, including accidental death, disability, and medical expenses, and are designed to cover risks during school activities as well as during vacations [7][9] - Additional services offered by these insurance products include unlimited online medical consultations and preventive dental care, which can help reduce health risks for children [5][10] - The article outlines the claims process for student insurance, illustrating it with a case study where a student received compensation for medical expenses after an accident, demonstrating the practical benefits of such insurance [6][8] Group 3 - The article suggests that families with limited financial resources may find student insurance to be a cost-effective option, while those with existing comprehensive health insurance may need to reassess the necessity of student insurance [8][9] - It is recommended that parents prioritize purchasing insurance for themselves as well, as their financial stability is crucial for the family's overall security [9][10] - Key considerations for parents when purchasing insurance include understanding coverage details, waiting periods, and ensuring they use reputable channels for transactions [10]