Senior citizen health insurance - 68 years old parent coverage

I want to buy health insurance for my mother-in-law who is 68 years old. She has arthritis and kidney problems. Most insurance companies are either rejecting the application or asking for very high premiums of 45000 per year for just 10 lakhs coverage. Is this normal for senior citizens? Are there any specialized senior citizen health insurance plans that are more affordable? I have checked Star Health, Max Bupa, and Bajaj Allianz. Star Health is asking for medical tests before approval. Will the pre-existing diseases be covered? What is the waiting period? Please suggest the best options for insuring elderly parents.