Chola MS Top Up Query

Hi, I need some quick advice from folks back home.

I'm managing my family's insurance from abroad and am stuck in a weird spot.

The family: Dad (61, diabetes & BP), Mom (53, diabetes), and brother (19).

Current setup: A 5-year-old Chola MS family floater with a 7.5L SI costing ₹26k/year (no reload benefits).

The new top-up mess: I applied for a 92.5L top-up with a 7.5L deductible. Paid an initial ₹21k, but after 3 months of medical tests and an IRDAI complaint, they approved it with a ₹13k loading.

Total cost now: ₹60k for 1Cr total cover (26k base + 21k top-up + 13k loading).

My main issues are:

They still haven't clearly stated which PEDs they are applying the 3-year waiting period to. The whole process was a massive headache.

My questions:

1. Is this 60k for 1Cr deal actually worth it, or should I drop it?
2. Would it be better to port the base policy to someone like HDFC Ergo for a higher base (maybe 25L) with reload features?
3. How hard is it to port at 61/53 with diabetes/BP, and can waiting periods be bought out with a rider?
   Would love to hear what you guys would do in my shoes. Thanks!