Hello, do you have to live in China? Don't you want to know if there are any other ones with better cost performance? Just a 28-year-old who wants to know the abstract concepts of accident insurance and health insurance, the recommended products may be what the salesman thinks, not what you need. It is suggested to spend some time communicating with the agent first, and then consider how to insure and what is more appropriate.
Blessing ~
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.