[問題]年長者投保請教
家母已經62歲了，沒有任何保險，
下周即將去動髖關節手術，
考量到母親的健康狀況一直都會有些小毛病，
未避免將來其他小毛病變大毛病後的龐大醫療費，
所以想幫她買保險，
若已動髖關節手術的話，
那這樣醫療險是不是會有一堆排外條款啊?
請各位協助我的疑問~
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