My son, early 20s, has flown the coop and gone to do a Masters in Sweden (highly recommended by the way - no fees). He will be gone for 2 years. I presume there is no point in keeping his VHI going, as he will only be coming home on holidays and the Swedish healthcare system is excellent. Am I missing something though? It feels very un-maternal to write him off the family policy but it does seem to make sense financially!