Close

Not a member yet? Register now and get started.

visitor medical insurance

Sign in to your account.

Account Login

Forgot your password?

Should I purchase a combined policy for my parents or separate individual policies as both my parents are visiting me?

QuestionShould I purchase a combined policy for my parents or separate individual policies as both my parents are visiting me?

AnswerThe cost for both alternatives when purchasing visitors insurance will remain the same, in other words, there will be no price differential in the sum of quoted premium costs.

The main disadvantages of having separate policies are:

  • You have to pay two renewal fees should you renew the policies.
  • It can get cumbersome to deal with different companies should you choose to buy from different visitor insurance providers.

However, many advantages of having separate policies are:

  • This gives you the flexibility to buy different policies for each of them depending of the specific needs of each of your parents. You might want to have different maximum coverage’s, different deductible or different coverage period’s, all of these can only be achieved through separate insurance policies.
  • One of your parents might want to return earlier, you can claim a refund for this individual policy which you cannot do if it is a combined policy.
  • Likewise, one of your parents might extend their stay. It will not be possible to extend the policy for only one person if it is a combined policy.