Yes, but you cannot spend your whole existence just worrying about what might happen. It is better to plan in a way where the wealth will end up in your hands if nothing happens instead of the insurance company.

Medical expenses are not that bad if you know what you are doing. They cannot refuse care, so once you are patched up and you get the 100x overpriced bill you let them know what you are willing to pay and you can negotiate it down to a fair price. Since they do not tell you the cost up front that means it is up for negotiation. If they refuse to be reasonable then you just don't pay it. It works, I have done it.

Now with the advent of crypto your wealth is untouchable by the main mafias so leverage is on your side in negotiations.