How's Reliance health insurance? I currently have that. Indian + abroad 50L upto 1 Cr coverage ~ 20000 premiumI was researching to buy term insurance.
Make sure you add the Critical illness rider, the most important one. At least 50L for Critical illness.
Max Life has the option to include up to 50L in Critical illness rider. Your premium might become 2x but In future due to unfortunate circumstances you end up having one of the 40 critical illnesses, you'll get 50L which you can use to get good treatment.
Maybe 25 years from now 50L would probably be low for critical illness treatments due to Inflation but it's still something.
Premiums for health insurance (50L Cover) especially when you are old will be freaking expensive ( put your age as 50 or 60 and see the premium for 50L health insurance you'll be surprised). So this critical illness money will be very useful then.