Mediclaim query

No you can't policy needs to be active also if it's PED related waiting period is there

No such convinient option exists where you can buy cover after incurring claim (ie. sure profit scheme).

Thats not how insurance works, you need to purchase policy before any claims and then there are waiting period for preexisting diseases also.

He is covered by the CGHS if he worked for the central government and if he worked for a state government, he is covered by State government insurance / ESIC (Employees' State Insurance). Information can be found on their websites.

I am not sure if it's cashless or you get reimbursement.

Cashless claim may have been denied but in CGHS or state insurance you can claim afterwards also depending on the coverage and terms.

https://www.bankofbaroda.in/personal-banking/in...

Have not tried, but many banks have this It is not for 71 years of age, but for others DD members

BOB customers, 

Can I add my family members to the group health insurance plan

Under the family floater option, dependents such as spouse, children (between 3 months to 26 years), and parents can be included in the Chola MS group health insurance policy . It is necessary to include dependents at the time of proposing for the policy, as midterm inclusion is not allowed except for newborn babies or newly married individuals. Eligibility for coverage extends to adults aged 18 to 70 years and children aged 3 months to 26 year

For OP , google search gave :

https://www.idfcfirstbank.com/personal-banking/...

• Base Cover – Medical expenses incurred by the Insured during hospitalization, for any illness/injury suffered during Policy Period. – Rest are optional add-ons
• Sum Insured – Ranging from ₹50,000 to ₹10,00,000
• Premium - chargeable for the policy depends on age of the group and add on coverages selected.
• Pre-existing Diseases: Covered from day one of taking the Policy.
• Age limit – Age ranging from 1 day- 80 years can be covered
• Pre hospitalisation - Relevant medical expenses 30 days prior to hospitalisation are covered
• Post hospitalisation - Relevant medical expenses 60 days after hospitalisation are covered
• Maternity Expenses: Up to ₹50,000 for 2 children Covered from day one of the policy
• New Born Baby cover: cover medical expenses incurred on the “new born baby” only as an in-patient in hospital for a maximum period up to 91 days.
• Day Care Expenses Cover - Covers 156 surgeries which need less than 24 hour hospitalisation
• OPD expenses - Covers medical expenses incurred by the Insured as an Outpatient.