Health insurance provides you coverage for your healthcare costs, for instance you can reimbursed for your consultation fees, surgery charges, tests, medicines, etc. Life insurance provides coverage for major diseases, major health care services, disability due to diseases or accidents, etc. Generally speaking, life insurance also provided coverage against health risks, therefore, sometimes if you are unable to buy multiple insurance policies you might avoid health insurance if you already have life insurance. However, if you need frequent health care services, if you are under medication, it is very important to have a separate health insurance to get all the benefits of health coverage.