regarding parents health insurance and congenital disease
I have two question
First one - I know most of the insurer does not cover congenital disease some covers internal congenital disease and does not cover external congenital some cover both internal and external
so If my insurer does not cover congenital disease does it mean that it will not cover as pre-existing but if I already have insurance before diagnosis I will be covered or it does not cover at all no matter when I was diagnosed, no matter whether I have insurance at that time ??
the second one- Do you think it is good to buy parents health insurance since their age(no pre-existing disease ) is around 60 premium will continue to rise and I have listened to your webinars as their age increases the premium will be skyrocketed I have already started to invest in SIP for future premium and medical emergency fund but it will take time to built and also I have here some analogy that it is better to eat one bread less than possibility not having the roof
so do you think it is best to buy health insurance for parents from a personal finance perspective ??