Pre-existing Diseases and Other Exclusion For First Two Years

Hi there!

I have following queries –

1. Does Diabetes become a pre-existing disease after 48 months of continuous health cover?
2. My parents hold a family floater policy (Family Optima) with Star Health, now the policy says: “Any persons aged between 5 months and 65years, residing in India, can take this insurance” but last year my policy agent said to me that we can extend this policy one year until you father is 61. Recently, my father turned 61. But I don’t understand if a person can take this policy till 65 then how can upper age limit of policy renewal be 61. ?