Xin Lang Cai Jing·2026-01-22 11:58Group 1 - The core viewpoint emphasizes the importance of considering various factors when parents choose children's insurance, including family economic status, child's age, and insurance needs [1][2][3]. Group 2 - Family economic status is a primary consideration; families with better financial conditions can opt for broader coverage and higher premiums, while those with average conditions may choose lower-cost options that meet basic needs [1]. - The age of the child is crucial, as different age groups face different risks; for instance, newborns may need coverage for premature birth and low birth weight, while school-aged children may require protection against accidental injuries [2]. - Insurance needs should align with the family's expectations and plans for the child's future, such as selecting tuition insurance for overseas education or critical illness insurance for health concerns [3].