You need a degree to understand them all, Back in May my daughter came for a few weeks, with her husband, her daughter 2 years 6 months and she was pregnant, she had bought a package from TUI, I asked her about the insurance she paid extra for that, my first question did you tell them you are pregnant? nope she said, go back in there and make sure it's included and do they pay the hospital here or do you have to pay and claim it back, she didn't know, well you need to clear that, better send me the link to the insurance let me read it, I know what happens here,