With the development of our society, we are living a better lives than before. So now we don't need to worry too much about money. But we still have problems, health is the most hard problem we encounter. Nobody can promise that we will live healthily forever. So health becomes the most important thing that we should care.
This is why there are more and more insurance companies. If you live in California, you will need California individual health insurance, if you live in China, you may need PICC insurance, if you live in Africa, you must need some kinds of insurance too.
So it seems that we human can not live without insurance. We are living in a insurance world, nobody can get out of it.