or just find the best insurance there is where it could cover most of your problems and at the same time having emergency fund I think its the best way to face whatever problem may arise.
the insurance helps cut down expenses that gets covered by the insurance company, all the while you still have some money left, the disadvantage though, it gonna take up quite a big share of your monthly salary.
definitely not affordable for most of people but its indeed the safest option there is.

other than that, try to earn money as much as you can, work hard, get higher position with better salary, then you're set even then you're more likely gonna need insurance.
but sometime you should be selective, not all insurance are good, some of them are plain trickery.
most of the time anyway, having emergency fund can do, that if you can figure out how much expenses usually gonna be spent for emergency situation like being sick.