indeed, for your age, the protection of accidental injuries and medical expenses should be the most important protection items. Compared with old-age insurance, these guarantees are more basic.
At present, the insurance products in the insurance market mainly include accident insurance, health insurance, critical illness insurance and commercial pension insurance. Of course, you can also look at some regular life insurance.
I need to remind you that you'd better analyze the purchase of commercial insurance that suits you according to your current security situation, economic ability, physical health and other specific conditions.
in combination with some simple situations you mentioned, I suggest you take a look at: Huize Health Protection Plan (China Life Edition) (/product/detail-784.html), which provides comprehensive protection, such as accidental death, accidental medical treatment, serious illness, hospitalization allowance, etc. I hope it can meet your needs.