Portability for senior citizens, advisable?
I’m looking to port my parents health insurance who presently have SI of 5 lac (policy of more than 20 years) plus a top up of 10 lac (since 6-7 years). They’re aged 68 & 62. Now taking a floater of ₹20 lac for them. Will they get full coverage from day-1? While one parent has PED - Hypertension for 2-3 years. Will the insurer entertain claims atleast to the extent of 5 lac and 10 lac of top-up from the previous policy in the event of hospitalisation within the first year of porting?