According to your description, I suggest that you first increase the coverage of some residents' medical insurance for yourself and your children, and then buy some business accidents and health insurance for yourself and your children as a supplement according to your actual economic ability.
Among them, social insurance is the most basic, so I suggest you give priority to it. Commercial insurance, accident insurance and general health insurance rates are not high, so we can consider choosing some comprehensive medical insurance cards as protection.
Comprehensive medical insurance card has comprehensive protection and low premium. The annual comprehensive premium for adults and children is about 1000 yuan, which should be within your tolerance.