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[Direct conclusion] Add the child as an insured on the parents' policy, or buy a kids' accident plan (with medical and third-party liability). Key points to keep in mind: 1. Death benefit is capped by regulation—focus on the medical limit. 2. Children: Add the child as an insured on the parents' policy Insurance: or buy a kids' accident plan (with medical and third-party liability). 3. Death benefit is capped by regulation—focus on the medical limit. 4. We provide group tours, private customization, ground handling, car charter and airport transfer. Note: Report the incident right away and keep every receipt and medical record. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.
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