I have a friend whose son got sick and was taken to the hospital for dengue fever. Although he was earning a lot, he did not save for his emergency health fund. The hospital bill amounted to twice his monthly salary. His wife was a stay at home mom. There was no other source of income. It's a good thing that there are lending companies who exists during times of emergency and release money fast. Of course, a child's life is more important right? No amount of cash could ever replace that.
If you don't want to be short of cash when an emergency comes. Do you and your family a favor and try to build a stable emergency health fund. Set aside a few amount month to month. I understand this may be difficult for those who are used to a worry-free lifestyle. But, this is a good way to secure your families health.
Don't worry if it takes a long time for you to build your emergency health fund. It's just better that you have something to spare. If in a point in time, you encounter an emergency and your emergency health fund is not enough, don't feel hopeless because you can seek lending companies to cover the rest.