Add-ons

An add-on represents an option for the policy-holder or group account to extend the coverage included in the (bare) enrollment product at the cost of a surcharge to the enrollment product’s premium.

For example, an enrollment product may include coverage for only standard medical services. On top of the standard coverage, the enrollment product offers a choice to include additional coverage for vision and pharmaceutical services. If an insured chooses to include that additional coverage, a surcharge to the premium will apply.

Each add-on has premium costs associated with it, specified in assigned premium schedule in the context of an enrollment product or group configuration. These costs can be amounts or derived by dynamic logic function.