Need advice on my existing Investments & Financial Planning

Hi Sreekanth, I have been following your blogs for some time now. Although I have started being more cognizant of the need to plan finances properly, still, because I know I am not an expert and because I am quite risk averse and scared of making stupid mistakes, I have not been able to make much progress. Unfortunately, my husband is least interested in financial planning and hence it becomes more difficult for me. Request you to please guide basis the below.I know its too much to ask in on post. I just have wasted too much time till now and want to start now rather than waste more time. Please advise. Would be very grateful to you. Need 1: 15 lakhs Health Insurance Family Floater (for self, husband). Will buy separately for mother in law. My parents are govt. servants and sufficiently covered even post retirement. Query 1: Most plans I have checked (also using your blogs for guidance) have capped almost all normal surgery costs at 55000-65000. This seems very low for any good private hospital in Delhi. This is where I am stuck and unable to proceed. Please advise. Query 2: Since I am pregnant with my child, should I wait till he/she is born and then buy a floater with 3 of us? Or would the baby be covered under the scheme in which we both get enroled? Need 2: Retirement planning. I read your blogs and using the calculator, plugged in my numbers and ended up with real huge and scary figures. Ever since then I have been very worried, but have taken no action. Any advice on what could my first steps here be, would be very helpful. Need 3: Savings for child education I am 2 months pregnant with my first child. Please advise on what could be first steps I take to fulfil education needs. Need 4: With whatever room is left, I would definitely want to invest towards creating wealth- putting my money at work to make more money. In 2 years, we want to buy a flat of our own (worth around 1-1.2 crores) Details: Me- 31 yr old, living in Delhi- In hand income 85000 per month Husband- 34 yr old- In hand income- 100000 per month Monthly expense (all inclusive including rent, SIPs, VPF, car emi)- 95000 per month Current Assets- Cash in SBA- INR 8 Lakhs. A car whose current value is 4 lakhs. Ancestral property with my share worth 2 crores which we wont sell for atleast another 3 years on personal grounds. Current Insurance Covers: Self- Company provided Life Insurance (for self, husband, mother in law)- floater of 7 lakhs PLUS ICICI term plan with 50 lakhs cover Husband- Company provided Life Insurance (for himself, me, mother in law)- floater of 5 lakhs PLUS LIC term plan with 50 lakhs cover Current Investments and their value 1. My PPF Account today’s balance- 144857. Contributing 5000 per month 2. Contributing VPF (4000 per month) in addition to EPF. Today’s balance- 370000 3. Husband’s PF Account balance today- 50000 (had to withdraw last accumulated account last year forcibly since the two orgs could not transfer in time) Mutual Fund Portfolio with value and start dates (many in ICICI due to investment with low knowledge) 1. ICICI Prudential Long Term Equity Fund (Tax Saving) – Growth- current value- 15542 Start date- 18 Aug 2015- 1000 monthly SIP 2. ICICI Prudential Focused Bluechip Equity Fund – Growth- Current Value- 31661 Start date- 18 Aug 2015- 2000 monthly SIP 3. ICICI Prudential Balanced Fund – Growth- Current Value- 33205 Start date- 18 Aug 2015- 2000 monthly SIP 4. ICICI Prudential Value Discovery Fund – Direct Plan – Growth- Current Value- 10452 Start date- 7 Feb 2016- 1000 monthly SIP 5. ICICI Prudential Value Discovery Fund – Growth- Current Value- 31346 Start date- 7 Oct 2015- 2000 monthly SIP 6. SBI Magnum Midcap Fund (G)- Current Value- 55948 Start date- 5 Feb 2016- 5000 monthly SIP