I have already paid 5 premium for ICICI Health Saver plan? 5 years is lockin period.

Question are –

1. should I continue to pay premium or stop paying to avail only 5 lakh cover?If I stop paying premium will they take premium from my fund and make me pay premium again once fund is down?

2. As it is market linked plan , will it be wise to shift to pure health insurance at this stage?

If yes which plan for family of three age 35,30 and 2 years.

Thanks in advance

Regards