Both are equally important. One deals with “wellness” and the other deals with “illness”.
Whatever one might do, there is always a possibility that one becomes ill and needs hospitalization despite being healthy. When you invest in wellness, you reduce the probability of illness not totally eliminate it. Wellness is a must; health insurance is also a must they way one carries umbrella during monsoon. You never know when you might need one.
If you don’t invest in wellness, there is every bit of a probability and possibility that one has to spend money when illness visits.