Close Relatives are defined as below:

Mother, mother-in-law, father, father-in-law, stepmother, stepfather, daughter, daughter-in-law, son, son-in-law, (including legally adopted daughter or son), stepchild, sister, sister-in-law, brother, brother-in-law, of an Insured Person, and in respect of whom the appropriate premium has been paid.


Additional Person(s)

Other relations  and or close friends and or business associates 

Example -
A single policy will cover the named person only.
A couple policy will cover the named person and his or her spouse or common law partner.
A family policy will cover the named person, his/her spouse or Common Law Partner, and their dependent children under 18 years of age (in full-time education and residing with them).