I'm a resident of Hyderabad, India. I want to take a medical insurance plan for my mom. Her age is 54 years. I spoke to icici about this. They said it can be done online itself without the need for my mom to undergo any health checkup. They said they won't be covering any past diseases till the next 4 years of membership. And there are many items(diseases) which are under the exclusion list of coverage. Any help on which insurance would be better, advantages and drawbacks, in this regard will be appreciated. Thanks in advance.