关于“没保障买什么保险最划算”的关键词，我可以提供一些相关信息。

中文版：
在缺乏保障的情况下，购买何种保险最划算是一个值得考虑的问题。实际上，这个问题没有简单的答案，因为每个人的情况都不同。然而，以下是一些建议：
首先，可以考虑购买综合意外险。这种保险通常覆盖因意外事故导致的伤残或死亡风险，包括交通事故、工作事故等。由于意外风险无处不在，这种保险可以提供一定程度的保障。其次，如果担心健康问题，医疗保险可能是一个不错的选择。它能够覆盖医疗费用，包括住院、手术和药品费用等。最后，对于有家庭责任的人来说，人寿保险可能是一种值得考虑的选择。它可以为家人提供一定的经济保障，以应对不幸去世后的生活费用和其他支出。然而，请注意，购买保险是一项重要的决策，需要谨慎考虑个人需求和经济状况等因素。

英文版：
When without existing coverage, selecting which insurance is most划算 is a consideration for many. However, the answer to this question does not have a simple answer because everyone's situation is different. Here are some suggestions:
Firstly, consider purchasing a comprehensive accident insurance. This type of coverage typically protects against disability or death resulting from accidents, including traffic incidents and work-related accidents. As accidental risks are omnipresent, this insurance can provide a degree of protection. Secondly, if health concerns are a priority, medical insurance may be a suitable choice. It covers medical expenses, including hospitalization, surgeries, and drug costs, etc. Lastly, for those with family responsibilities, life insurance may be worth considering. It provides financial security for loved ones, covering living expenses and other outlays in the event of untimely death. However, it is important to note that purchasing insurance is a significant decision that requires careful consideration of personal needs and economic status factors.