even if you can, you should tell the insurance company the real situation of your mother, and the insurance company will inform you whether to underwrite it according to the actual situation. But according to what you said, it must be a physical examination. After the medical examination, the insurance company will decide whether to underwrite, increase the fee or refuse to underwrite. If your mother is over 5 years old, it is impossible to basically re-engage in commercial insurance companies. You can participate in social insurance and reimburse part of it.

For example, there are tens of thousands of steel nails used in orthopedic surgery to fix bones.

It depends on the hospital, and ordinary small orthopedic surgery is included.