First of all, there are two kinds of insurance, one is social security, and the other is commercial insurance. Secondly, according to the situation of children, it is only meaningful to participate in social security, while commercial insurance must be in good health when insured, otherwise even if it is underwritten, there is no compensation function. Therefore, when you apply for insurance, you must tell the obligation truthfully. Third, social security medical insurance, such as cooperative medical insurance for rural hukou or medical insurance for urban residents for urban hukou. Just apply at the medical insurance bureau where the account is located.