When I was told that I should undergo an operation, the first thing I was afraid of was not of the operation itself but rather of the admonishment i risked hearing upon breaking the news to my parents. When I told them of the medical problem I had and that I wanted to visit a doctor, the first thing they said was "Must be you did ..... that's why like this". (Pardon me that I do not reveal what medical problem it is)
This is the exact reason why I take up insurance on my own accord despite my limited financial resources. The last thing I want to deal with if I were to come down with cancer one day is that "Your treatment very expensive" or "Must be you did something/ never do something that's why get cancer". Meanwhile, I can only feel myself drifting away from them.