How can I get health insurance for my father?(Extreme diabetic) Case.
My father is an extreme diabetic patient, he has nerve related issues and walking issues due to it. I tried to get health insurance for him around 2 years back but nobody was giving insurance for him. In my family, my mom and I are covered by hdfc ergo optima secure group policy(50 lakhs). For my younger sister I covered using an individual hdfc ergo optima secure policy(25lakhs). My father I am covering using my company's health insurance policy(10lakhs, niva bhupa) with copay. Recently he fainted due to a nerve related heart issue , we did one surgery for a pace maker and another bypass surgery for the heart block. To my luck pace maker surgery was done in April, it cost around 5.6 lakhs. The insurance company gave back 4.5 lakhs. The company renewed the policy in May and increased the cover as well. Bypass again took 6.5 lakhs. Insurance gave back 5.5 lakhs. The thing is with my current job market, I am unsure about layoffs. In this case I don't have the means to cover my father. Please suggest what I should do in this case?