#HealthInsurance for parents (Sorry if the same has been covered before).

My father is 64 yrs and would be turning 65 on 30th July. Though he's fit now (completing 10K steps everyday), he has been suffering from Parkinson from last 1.5yrs. I checked with Aditya Birla from their customer care, they've refused to insure however Max Bupa is willing to proceed with Reassure health insurance plan with 3 year waiting period for Parkinson and also the person is saying that after premium payment, they will check each & everything and then proceed with policy issuance.

I then checked with him for my mother if I can take a kind of family floater plan where she can also be insured. Since my mother tested covid negative on 8th May, he's saying she'll have to wait for 3 more months. Moreover since my father would be turning up 65yrs soon, I don't want to wait any further.

Should I take the Max bupa insurance now (premium for 1 yr - 37K) and then at the time of renewing, I will add my mother to the same plan?

Lastly, they both are also covered from existing policies (just fyi):

1) PNB + Oriental 2lacs cover (11K premium due on 22nd Mar, 2022 now)

2) My employer's health cover (4 lacs)