Some countries, require that you, as a foreigner, when you travel, hire a health insurance. If not, they will not grant your visa.
Of course, you can travel without health insurance and nothing can happen. But the purpose of paying a health insurance for the time that you are in a foreign country is that it covers the costs of sudden and unexpected illness or injurt.
In the majority of the cases, health insurance covers out-patient care, in patient treatment, emergency dental treatment and repatriation
Confederate general who won the First Battle of Bull Run. Southern general who was offered command of the U.S Army, but turned it down because his home state seceded from the union.