Yes because life insurance is money if you die and health insurance is if you get sick.
Health Insurance covers stuff like glasses, medicine, dental, physio etc...
Life Insurance if only if you are...
Depends on your coverage. The more coverage, the higher the premiums. You of course would not be alive when it pays out, so you would get nothing yourself.
If you go into the emergency room, they will treat any life threating condition then transfer you to the county hospital. If you do not have a life threating condition, the hospital will refer you to...