I just look at the odds /stats ... Insurance can give peace of mind but the chances of me actually using it as I don't have any physical /chronic conditions might only be about 10:1 . Take an accepted chance and save a lot ...or buy insurance and have peace of mind and pay extortionately for it . Until I'm 75 I'm not going to consider unless my current physical condition changes before then . In the meantime I'll spend the thousands of dollars I've saved on the things I want . Everyone is different ....some want security others can take a risk,👌
I'm 65 ...never bothered with insurance ..probably saved about $150.000 over 50 years . So even if I have to cough up that amount for a serious accident /condition ive really lost nothing .