Old ntuc incomeshield b ( with no exclusions) vs GE B1 plan with rider ( with exclusions of hypertension, disorders of the heart and cerebrovascular diseases)

Hi all, my dad is 72 years old. Considered healthy but only with the 3 highs. I helped my dad applied for an upgrade and only GE has offered him b1 plan recently with exclusions (as mentioned in title).

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Should I switch him over ? If so, I may face a gap using medishield life if he is warded in b2 or c ward (assuming we take ge plan and hence need to take b2 and below ward). Will the hospitalisation bill for his excluded conditions be a hefty sum? Also, since medishield does not cover pre and post, with that amount to a huge sum as well ?

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Need some advice here. Thank you