In general, we don't like insurance for its negative mathematical expectation (basically the insurance company makes money). However, when the loss covered is so important that we can not afford to lose, it might make sense.
That is the case of a member of a family with good salary, two kids, and a spouse not working. But how much money should it be insured? To answer that you can use this useful Yahoo calculator.
And, how much does it cost? As an average:
And just one tip, if you are healthy, go through the full body check so that the insurance company cannot blame you for hiding anything.