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declaring your medical
I'm buying health insurance for my father (51 years) who has diabetes and hypertension. He's completely fit and fine and has an active lifestyle. He insists me to buy the policy without declaring diabetes and hypertension. He hasn't been hospitalized to date. How will the insurance company get to know that my father had diabetes and hypertension if he undergoes any surgery after 5 years. We can always tell them that he got diabetes and hypertension after we bought the policy, say 2023. What are the consequences of doing so?