New Delhi, April 10 -- Ask anyone about insurance and they will say they have term insurance plan. Ask about health insurance and suddenly it is "planning to get it soon."

This mindset creates a dangerous gap.

Best term insurance plan protects family if you die. Health insurance protects family while you are alive. Both needed. Neither replaces the other.

Here are seven real scenarios showing why you need both.

Rajesh has Rs.1 crore term insurance plan. Feels secure. Gets diagnosed with stage 2 cancer at 42.

Treatment cost: Rs.15 lakhs over 18 months. Surgery, chemotherapy, radiation, medications, hospital stays.

Term insurance pays nothing. He is alive. Policy only pays on death.

Savings of Rs.8 lakhs wiped out. Borrowed Rs.7 lakh...