Term and health insurance both serve different purpose and are equally important. To secure yourself, availing both term and health insurance policies is never harmful.

Yes, if you have any doubt, it is better to consult the financial advisor. It can go a long way in ensuring that you have the best policy for yourself and the loved ones.

It actually depends on your needs and preferences as both individual and family floater health policies come with specific benefits. But many advisors suggest that one should always have an individual policy other than a corporate group cover.