I am 30 yr and want to plan term insurance or child plan can my kid is 9  yrs old can u pls suggest which is good ?

Also, I am planing to take maxbupa health insurance for 5 lak  . we are three members in family ,they gave an option of coverage up to 20lakh if maternity benefits are omitted is this good health plan? or would u suggest any other premier is 16700 per annum