媽媽為BB選擇基金保險, 請指教!!!

Hello. If i were you, i would buy a pure medical insurance (without any investment or saving element) from the insurance company. Then you can use the rest to start a monthly investment plan.

If you will continue contribute throughout the whole term, i.e. non-stop trhoughout 15-18 year, and will not decrease the contribution, 101 plan MAYBE a good choice (depends on the fund portfolio the planner choose for you)  

Otherwise, you should consider invest Tracker Fund (2800.hk) monthly through bank.