Then there is the question of force majeure. If one is not married to somebody who is hospitalised because of a serious illness or accident, one is not taken into account. Those who saw that wonderful film "Philadelphia" will recall the scene between Miguel, the boyfriend played by the famous Spanish actor, Antonio Banderas, and the doctor treating Tom Hanks. He was Hanks's long-term partner and wanted to talk about the situation but was told by the doctor that as he was not family he had no standing. He was at risk of being thrown out of the hospital after living with Hanks and caring for him for some 20 years. That also affects heterosexual individuals.