---
title: "Coverages"
url: "https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086/schemas/Coverages"
---

> Full API specification: https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086.md

# Coverages

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://qa.api.zinnia.io
components:
  schemas:
    CoveragesAttributes:
      type: object
      properties:
        coverageId:
          type: string
          example: COV123
          description: Coverage ID
        indicatorCode:
          type: string
          example: IND123
          description: Indicator Code
        productCode:
          type: string
          example: PROD456
          description: Product Code
        planName:
          type: string
          example: Platinum Plan
          description: The Product Name refers to the specific life insurance or annuity
            product selected by the contract owner at the time of policy
            issuance. It identifies the type of coverage, policy structure, and
            key features associated with the contract
        selectionIndicator:
          type: string
          example: Y
          enum:
            - Y
            - N
          description: Selection Indicator
        currentAmount:
          type: string
          example: "20000"
          description: Current Amount
        priorCoverageAmount:
          type: string
          example: "18000"
          description: Prior Coverage Amount
        minimumBenefitAmount:
          type: string
          example: "15000"
          description: Minimum Benefit Amount
        maximumBenefitAmount:
          type: string
          example: "25000"
          description: Maximum Benefit Amount
        grossDeathBenefitAmount:
          type: string
          example: "5000"
          description: Gross Death Benefit Amount
        lowDeathBenefit:
          type: string
          example: "2000"
          description: Low Death Benefit
        coverageChangeAmount:
          type: string
          example: "3000"
          description: Coverage Change Amount
        effectiveDate:
          type: string
          example: 2022-01-01
          description: Effective Date
        coverageChangeEffectiveDate:
          type: string
          example: 2021-12-01
          description: Coverage Change Effective Date
        terminationDate:
          type: string
          example: 2022-12-31
          description: Termination Date
        currentNumberOfUnits:
          type: string
          example: "100"
          description: Current Number of Units
        valuePerUnit:
          type: string
          example: "50"
          description: Value Per Unit
        premiumModalFactor:
          type: string
          example: "1.5"
          description: Premium Modal Factor
        exerciseDate:
          type: string
          example: 2023-03-15
          description: Exercise Date
        lifeCoverageStatus:
          type: string
          example: Active
          description: Life Coverage Status
        claimStatus:
          type: string
          example: Pending
          description: The Claim Status refers to the current stage of a life insurance
            claim, indicating whether the claim has been processed, approved,
            denied, or is still under review. This status helps policyholders,
            beneficiaries, and insurers track the progress of a claim from
            submission to payout
        nextEvaluationDate:
          type: string
          example: 2023-12-01
          description: Next Evaluation Date
        paymentMode:
          type: string
          example: Monthly
          description: Payment Mode
        maximumBenefitPercent:
          type: string
          example: 80%
          description: Maximum Benefit Percent
        maximumPayPeriod:
          type: string
          example: "365"
          description: Maximum Pay Period
        guidelineSinglePremium:
          type: string
          example: "5000"
          description: The Guideline Single Premium (GSP) refers to the maximum single
            premium payment that can be made into a life insurance policy
            without violating the IRS`s Guideline Premium Test (GPT). It is used
            to ensure that the policy qualifies as life insurance and maintains
            its tax-advantaged status
        guidelineAnnualPremium:
          type: string
          example: "2000"
          description: Guideline Annual Premium
        sevenPayPremium:
          type: string
          example: "700"
          description: The 7-Pay Premium refers to the maximum allowable premium that can
            be paid into a life insurance policy during the first seven years
            without triggering Modified Endowment Contract (MEC) status. It
            ensures that the policy remains a tax-advantaged life insurance
            contract rather than an investment vehicle
        coverageReferenceId:
          type: string
          example: REF456
          description: Coverage Reference ID
        tier1MaximumBenefitAmount:
          type: string
          example: "10000"
          description: Tier 1 Maximum Benefit Amount
        tier1MaximumBenefitPercent:
          type: string
          example: 60%
          description: Tier 1 Maximum Benefit Percent
        tier2MaximumBenefitAmount:
          type: string
          example: "15000"
          description: Tier 2 Maximum Benefit Amount
        tier2MaximumBenefitPercent:
          type: string
          example: 70%
          description: Tier 2 Maximum Benefit Percent
      required:
        - coverageId
        - indicatorCode
        - productCode
        - planName
        - currentAmount
        - priorCoverageAmount
        - minimumBenefitAmount
        - maximumBenefitAmount
        - grossDeathBenefitAmount
        - lowDeathBenefit
        - coverageChangeAmount
        - effectiveDate
        - coverageChangeEffectiveDate
        - terminationDate
        - currentNumberOfUnits
        - valuePerUnit
        - premiumModalFactor
        - exerciseDate
        - lifeCoverageStatus
        - claimStatus
        - nextEvaluationDate
        - paymentMode
        - maximumBenefitPercent
        - maximumPayPeriod
        - guidelineSinglePremium
        - guidelineAnnualPremium
        - sevenPayPremium
        - coverageReferenceId
        - tier1MaximumBenefitAmount
        - tier1MaximumBenefitPercent
        - tier2MaximumBenefitAmount
        - tier2MaximumBenefitPercent
    Participant:
      type: object
      properties:
        attributes:
          $ref: "#/components/schemas/ParticipantAttributes"
        flatExtra:
          type: array
          items:
            $ref: "#/components/schemas/FlatExtra"
      required:
        - attributes
        - flatExtra
    Fee:
      type: object
      properties:
        attributes:
          $ref: "#/components/schemas/FeeAttributes"
      required:
        - attributes
    ParticipantAttributes:
      type: object
      properties:
        partyId:
          type: string
          example: PARTY123
          description: Party ID is a unique identifier assigned to a party (individual or
            entity) involved in an insurance or annuity contract. This
            identifier helps ensure accurate data exchange and tracking across
            insurance transactions
        issueAge:
          type: string
          example: "30"
          description: Issue Age
        underwritingClass:
          type: string
          example: Preferred
          enum:
            - Preferred
            - Standard
          description: Underwriting Class
        temporaryTableRating:
          type: string
          example: Table A
          description: Temporary Table Rating
      required:
        - partyId
        - issueAge
        - temporaryTableRating
    FlatExtra:
      type: object
      properties:
        flatExtraType:
          type: string
          enum:
            - TEMPORARY
            - PERMANENT
          description: A Flat Extra is an additional dollar amount added to the base
            premium for a life insurance policy due to increased risk factors.
            Insurers apply Flat Extras on top of standard risk classifications
            (e.g., Preferred, Standard, or Substandard ratings).Flat Extras can
            be classified into two types "Temporary Flat Extra" and "Permanent
            Flat Extra"
        flatExtraDuration:
          type: number
          description: The Flat Extra Duration refers to the length of time a Flat Extra
            premium charge is applied to a life insurance policy. This duration
            depends on whether the Flat Extra is temporary or permanent, and it
            is determined by the insurer based on the risk factor associated
            with the insured
          format: int32
          example: 0
        flatExtraAmount:
          type: number
          description: The Flat Extra Amount refers to an additional charge per $1,000 of
            coverage that an insurer applies to a life insurance policy due to
            an increased risk factor. This extra cost is added on top of the
            standard premium and can be temporary or permanent, depending on the
            nature of the risk
          format: double
          example: 0
        flatExtraStartDate:
          type: string
          description: The Flat Extra Start Date refers to the date when an additional,
            fixed premium charge (Flat Extra) begins on a life insurance policy.
            This charge is typically applied due to an increased underwriting
            risk, such as hazardous occupations, high-risk hobbies, or medical
            conditions
          format: date
          example: 2023-01-01
    FeeAttributes:
      type: object
      properties:
        feeType:
          type: string
          example: Admin Fee
          description: Fee Type
        feeAmount:
          type: string
          example: "50"
          description: Fee Amount
        startDate:
          type: string
          example: 2022-01-01
          description: Start Date
        effectiveRate:
          type: string
          example: 5%
          enum:
            - 5%
            - 10%
            - 15%
          description: Effective Rate
        feeWaivedIndicator:
          type: string
          example: Y
          enum:
            - Y
            - N
          description: Fee Waived Indicator
      required:
        - feeType
        - feeAmount
        - startDate
    Coverages:
      type: object
      properties:
        attributes:
          $ref: "#/components/schemas/CoveragesAttributes"
        participants:
          type: array
          items:
            $ref: "#/components/schemas/Participant"
        fees:
          type: array
          items:
            $ref: "#/components/schemas/Fee"
      required:
        - attributes
        - participants
        - fees
```