Personally I prefer the following without a compromise:
1. Cover your loan without fail with life insurance. You shouldn't leave your depends with a loan on their head in an unfortunate event.

I prefer at least 10 times coverage of net annual income+loan.

If you are a HNI then probably you can think of not having insurance.

2. Health Insurance is a must. In case of any eventuality it saves you from sudden need of cash.

I had two surgeries in an interval of 1 month and the bill was almost 1.5 lakhs. Fortunately, I had the required coverage and had to pay only around 10k from my pocket.

These are primarily risk mitigation.

Regards,
Raj

Btw any one knows or can advice which is best health insurance i have seen  most of cover is 3-5 lakh with Annual Prem of 10-15k. But some companies like Max Bupa has more than 10 lakh cover .

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