I am jetting off to Spain soon with my partner and Son.
My question is...
Is it ok for me to insure my partner and son together on one policy and then get another for myself?
The reason I ask this is because I have been in hospital, and have pre existing medical conditions so my insurance will be through the roof (I was quoted almost as much as the holiday cost for myself.)
My plan is to get a basic insurance for myself as I know my medical card (that replaced the E111) means I get free hospital treatment in Europe anyway so I don't really see the need of specialist medical insurance also.
Thing is...If we are all insured together and anything happens to our baggage, if they found out I had been in hospital they would not replace anything. If we were insured seperately at least my partner and Son would get theirs replaced.
I am aware this is a naughty thing to do but paying for an insurance I don't need is a rip off.