Hi folks for your advice.. i checked out with both icici lombard and max bupa.

icici has two plans.
Family floater – Persons above 60 cannot be insured under the family floater policy. Can be renewed only upto 70 on an individual basis. Max Bupa allows this.
HAP - Persons above 55 cannot be insured under the family floater policy. Can be renewed only upto 70 on an individual basis. Max bupa allows this.

Max bupa’s pre policy health checkups are based on age, bmi, sum insured and overall health and they don’t have any any submits, except a cap the room type. Which for their gold health plan is a single private AC room.

Some exclusions that are worry me personally in icici’s case are

They have a list of 2 year waiting periods for around 20 items. While Max Bupa has a list of only 11 for people above 60 years. Plus, there is no blanket 2 year waiting period for people below 60 years.

Lombard has 29 permanent exclusions.

Max bupa looks to be a better option, especially because my liabilities are high for parents.