I think it is best to plan for your child's insurance...I know that people will go for medical, life,personal accident, education....but if resources are limited, which should we go first?

in my opinion, I think it should go based on this hierarchy
1. personal accident - because children tend to get "hurt" more easily
2. medical plan
3. education
4. life - least important for the time being

btw, do you know how much the basic of each of these plan cost (I know it depends on sum assured, but what is the minimum sum assured)

planning to have a kid in two years time from now, thus planning the finances (so, agent please don't pm me...tis is pure discussion)

actually bancassurance the charges are already lower than if you buy from agents

i am planning to buy medical and personal accident for my newborn; at what age (how many months) do insurance company start to accept application? - as i understand newborn comes with high risk - due to mortality risk....

anyone, please advice.....