Extended Family Coverage

Extended Family Coverage allows customers to protect and safeguard their extended family members who are beyond the immediate family category: Husband, Wife & Children. Extended family include siblings, uncle or aunt, niece or nephew, grandparent, grandchild, cousin, step-parent and step-child with Permissible Takaful Interest.

A person – the takaful participant (dependent), who is fully or partially dependent on the Covered Person (provider) for living maintenance or education at the time of certificate inception is deemed to have Permissible Takaful Interest on the provider.

The relationship of the Participant (dependent) to the Covered Person (provider) allowed under Extended Family Coverage is as follows.

The Participant can be:

• Father – a male biological parent of the adult Covered Person

• Mother – a female biological parent of the adult Covered Person

• Grandfather – the father of the Covered Person’s biological mother or father

• Grandmother – the mother of the Covered Person’s biological father or mother

• Brother – a man with the same biological parents as the Covered Person

• Sister – a woman with the same biological parents as the Covered Person

• Half-brother – a brother who is the son of only one of the Covered Person’s biological parents

• Half-sister – a sister who is the daughter of only one of the Covered Person’s biological parents

• Grandson – the son of the Covered Person’s biological son or daughter

• Granddaughter – the daughter of the Covered Person’s biological son or daughter

• Uncle – the full brother of the Covered Person’s biological mother or father

• Aunt – the full sister of the Covered Person’s biological mother or father

• Nephew – a son of the Covered Person’s biological sister or brother

• Niece – a daughter of the Covered Person’s biological brother or sister

• Cousin – a child of the Covered Person’s biological aunt or uncle

• Stepfather (same household) – the man who is married to the Covered Person’s Mother and is currently living within the same household

• Stepmother (same household) – the woman who is married to the Covered Person’s Father and is currently living within the same household

• Stepchild (same household) – an adult child of the Covered Person’s spouse from the spouse’s previous marriage and is currently living within the same household

• Legal Guardian – a person who has obtained the legal right and responsibility of taking care of the Covered Person, who cannot take care of himself or herself, such as child whose parents have died

• Legally Adopted Child – a child who has been legally adopted by the Covered Person and currently is an adult

• Biological Child – an adult child of the Covered Person

The Covered Person must be between the ages of 19 and 70 next birthday, whereas the Participant must be between the ages of 19 and 100 next birthday.

Extended Family Coverage is only available with PruBSN AnugerahPlus.

The maximum Sum Covered is RM750,000 per Covered Person, subject to underwriting.

A Relationship Declaration Form is required for Extended Family Coverage application to declare and establish the relationship and financial dependency between the Participant and the Covered Person.

For Sum Covered more than RM50,000, financial evidence will be required as proof of financial dependency.

Proof of financial dependance for maintenance or education can be bank statements, payment receipts, etc.

Example:

- Bank statement to show regular deposits or payments for living maintenance

- Receipt or any proof of tertiary education tuition fee paid for the dependent