You are focusing on your studies and do not yet earn a living. You do not have heavy financial liabilities. Your death will not pose a serious financial threat to your family.

Youngsters tend to have higher vitality but less self-awareness and thus may be more susceptible to accidents, resulting in different levels of injuries. Parents may often administer basic treatment for their children's minor injuries, while they tend to use private medical services for more serious cases and illnesses to avoid long waiting times for treatment in public hospitals. Therefore, parents should consider whether or not they can afford the potential medical expenses when they assess their children’s insurance needs.