Multiple fractures long back.
My dad had a major accident 36 yrs back with multiple fractures, his left knee was into some 30 odd pieces. But after a treatment of a year or two then, he is completely fine now with no regular medication for it.
With God's grace since then he didn't require any treatment till now.
Just his left leg is some 0.5cm short of right but he is completely on his feet's, doing comfortably.
Suggest few companies which consider these & issue a policy accordingly, he is 60 now.