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why international services?
A policy period represents the amount of time you have purchased insurance. In visitor medical insurance, policy periods can be as short as 5 days and as long as 36 months. For example, if you complete an application and pay for 3 months of insurance, the policy period for that program will be 3 months. If you renew the policy for another 3 months before the policy expired, the policy period for that policy is 6 months.
You can buy 2 separate policies or 1 policy for both. The cost for both alternatives will remain the same, in other words there will be no price differential. The main disadvantages of buying 2 policies are:
(a)You have to pay two renewal fees should you renew the policies.
(b)It can get cumbersome to deal with different companies should you choose to buy from different insurance providers.
There are however many advantages of having separate policies. They are:
(a)You have the flexibility to buy different policies for each of them depending on the specific needs of each of your parents. You might want to have different maximum coverages, different deductible or different coverage periods, all of these can only be achieved through separate insurance policies.
(b)If one of your parents returns earlier, you can claim a refund for the individual policy. You cannot do if it is a combined policy.
(c)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.
For many of the insurance plans, if there is more than 1 person on the application only one passport number per family is required per application.
Most policies are renewable, however some of them are not. You can find detailed information about each policy from the links on the left of the page. Details are provided under the Renewal section for each policy. We have also provided this information under the 'Other benefits' column for each policy after you run a Quote.
