I want health insurance for me and dependent parents. Our ages - Mine - 26 years, Father – 58 years Mother - 1954 years (Diabetic). I would like to buy a family floater or any other plan - where with health insurance, critical illness, personal accident is covered along diabetes. I will go for individual or family floater, which covers all. Can we claim the health benefits from the first year or is there any waiting period in it?