Hello ashish:
welcome!!
My experience is this: going about your daily routines reflecting on a Dhamma concept, not exactly at the back of your mind, but being ever mindful of it, giving it all your inner attention,is meditation. At times insight into something you had not seen before comes in this manner.
I read only about an hour at a stretch, perhaps three or four hours in all at most in a single day. Never done meditation courses – I am averse to all laid-down techniques and instructions by my very nature. That may not be so with others – so see what others have to say as well.
And yes, a human life is VERY important -especially when there cannot be much of it left.
y not