my $hash = {
   name  => 'Joe',
   phone => 222,
   code  => 'A',
};

##</code><code>##

sub insert {
   my ($table,$hash) = @_;
   my $sth = $dbh->prepare(
      "insert into $table ("
      . join(',', keys %$hash)
      . ') values ('
      . join(',',map '?',keys %$hash)
      . ')'
   );
   $sth->execute(values %$hash);
}