My small experience with super funds and insurance is that if you drop Death & TPD, that super fund won’t let you pick it up again later. Income protection you can pick up and drop as you feel like it (with rules in there to stop people picking it up because they know they are already sick).
However, if you start up an account with a different provider, they will cheerfully sign you up to the Death & TPD insurance.
The only reason, in my mind, to have death (TPD) insurance is if you have children, and even then, only if you have young children and your spouse might have trouble working, or you have a large mortgage, and you don’t want to leave them with both your death and a foreclosure. TPD stands for Total and Permanent Disability, and you have to be really, really disabled to get it. Having an injury that merely leaves you wheelchair bound would not usually qualify you for it.
Income protection insurance gets progressively more expensive as you get older. You might not really need it, but it’s probably not costing you much either. However, I would ditch it in your situation. Access rules vary, but you first have to use up all your sick leave, then have a period of no pay before you can access it.
With putting extra contributions into super, The 50% match for $1,000 for low income earners is a really good deal, and might be worth it for you. Putting anything extra in without a match, given your age and income, is not worth it. You should look into employer matching. This is not just a US thing, although it is much less common here.