with recent history of hospital visit , ur father's application will handled CAREFULLY by the underwriters..., get all related reports ready...
the method is legal and not miracle....only help abit...
is him having hypertension ?

in his case , Easy to buy is policy tht copy TPD/Deaths but he needs critical illnesses policy (u will not like the loading.....)
medical card get now oso got waiting period for certain claims , anyhow, it's nothing compare to future heavy bills....get ur agent to advise u more on the product feature n most importantly, procedure of claiming and the under clause of it...