There'a a whole host of things that could kill you, or any of us...in 20 seconds, 20 days or 20 years. And most of them, including some you've listed are utterly beyond your ( or anyone's ) control.
Think about it for a minute....you watched one show about one woman and you've catastrophised it into the end of the world. That's pure anxiety working there...and I know it intimately as I've done the same thing hundreds of times
Rationally, the insurance thing is not really a big deal. Most will just want a blood test to know if you are currently using and never access your medical records anyway....insurance is simply a game of averages.
You can also prepare a list of meds you don't want to be given if incapacitated, and you Don't have to specify WHY you don't want them. And in all reality, what are the chances of you becoming incapacitated? VERY Small...the same as the rest of us.