My father is a diabetic and he is currently under medication. Is his diabetics can be covered under health insurance?
No. That would be considered as pre-existing condition and hence would not be covered. He needs to wait for the health insurance waiting period (i.e. 4-5 years as stated in the policy) to be covered under the current health insurance policy.
My father is diagnosed with heart problem and doctor advised him to undergo bypass surgery. Can I buy health insurance to cover that?
No. That would be considered a pre-existing conditions and would not be covered.
My father had a heart attack 8 years back. If again he would have to undergo an heart related medical, will that be covered under the health insurance policy?
If any person is taking any medical treatment or any medications currently (including any over the counter medicines), it will be considered as a pre-existing condition, and it will not be covered. He needs to wait for waiting period (i.e. 4 years) to be covered under the current health insurance policy.
If my mother-in-law has diabetes and high blood pressure, won’t any new medical conditions like heart attack be considered pre-existing conditions as well? I guess the insurance company will try to tie any new medical conditions with pre-existing conditions.
While it is possible that pre-existing medical conditions may cause some new medical conditions. If that happens, then new medical conditions would also be not covered. However, it is certainly possible that you may get into new medical conditions which are not related to pre-existing conditions. And those will usually be covered.