之前聽說教育金很不錯，想問一下家裏有兩個孩子該怎麼給孩子配置教育金保險？

ertongjiaoyuchuxuxianjuyouqiangzhichuxudezuoyong，nengquebaohaizijianglaihuodegaozhiliangjiaoyusuoxudezijin。goumaizheleibaoxian
，jiachangxuzhuyihuomiantiaokuan，jiyidanjiachangfashengyiwai
，haiziwuxujixujiaonabaofei，danrengxiangyoubaozhang，shiyongyujingjishilibijiaoqiangdejiating。

xuanzejiaoyujindingtou，toubaoshijianyuezao，jileidejiaoyujinyueduo
，nianjiaofeiyueshao
，baozhangyeyuezao，suoyizaihaizixiaoshihougoumaijiuhenhuasuan。jinlianggoumaidaiyoubaofeihuomiantiaokuandejiaoyujinbaoxianchanpin，zheyangjishizaijiaofeiqijian，fumuyouzhongdajibinghuofashengyiwaiershiqujiaonabaofeinenglishi，baoxianhetongyiranyouxiao
，haizishangxuesuoxudehuafeirengnengdedaobaozhang。

辦理教育金保險，首先要量力而為
，就購買保單而言，保費不能超過家庭收入的20%～30%
，要不然會有比較大的經濟負擔。然後是附加醫療，一般收入的家庭應該在醫療方麵為孩子做準備。