The single cover is for 1 main member only, therefore payment is for the single individual on the policy. For family cover, you pay 1 premium for the whole family (main member, spouse, number of dependent children allowed on the plan you choose). Extended member cover you pay per person you cover on the policy (any non-qualifying child and/or foster child (18 years and older) of the Principal Insured as well as parents, grandparents, brothers, sisters, aunts (the sister of the Principal Insured’s mother or father), uncles (the brother of the Principal Insured’s mother or father), nephews (the son of the Principal Insured’s brother or sister), nieces (the daughter of the Principal Insured’s brother or sister), grandchildren.