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

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

# PolicyCharges

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://qa.api.zinnia.io
components:
  schemas:
    PolicyChargeType:
      type: string
      enum:
        - COSTOFINSURANCE
        - EXPENSECHARGE
        - UNITEXPENSECHARGE
        - PAYMENTCHARGE
        - COVERAGECHARGE
        - COVERAGECREDIT
        - PREMIUMTAX
        - SURRENDERCHARGE
        - MARKETVALUEADJUSTMENT
        - RIDERCHARGE
    PolicyCharges:
      type: object
      properties:
        chargeType:
          $ref: "#/components/schemas/PolicyChargeType"
        coverageId:
          type: string
          description: The Coverage ID is a unique identifier assigned to a specific
            coverage component within a life insurance or annuity policy, used
            to track the specific coverage for which charges are being applied.
            It ensures that the correct charges (e.g., cost of insurance, rider
            fees, administrative fees) are linked to the appropriate coverage
            layer.This is optional field which will be populated by LPS
          example: Base_Coverage
        currentMonthCharge:
          type: number
          description: The Current Month Charge refers to the total amount deducted from a
            life insurance or annuity policy for the current billing period,
            covering various costs such as insurance charges, administrative
            fees, rider costs, and investment-related expenses
          format: double
          example: 123.12
        uncollectedPerCharge:
          type: number
          description: The Uncollected Per Charge refers to the portion of a scheduled
            charge that has not been paid or deducted from the policy due to
            insufficient funds, unpaid premiums, or cash value shortfall. This
            can apply to Cost of Insurance (COI), rider fees, administrative
            charges, or investment-related expenses
          format: double
          example: 10.42
        cumulativePerCharge:
          type: number
          description: The Cumulative Per Charge refers to the total sum of a specific
            charge type from the policy`s issue date until the current
            processing date. It provides a historical record of charges deducted
            over the life of the policy.. Calculated by LPS.
          format: double
          example: 721.42
        yearToDatePerCharge:
          type: number
          description: It is the sum of charges in the current policy year
          format: double
          example: 721.42
        chargePercentage:
          type: number
          format: double
          example: 12.42342
          description: The percentage rate applied as a fee or charge under the contract
            for a specific transaction or benefit, such as a surrender charge,
            withdrawal charge, rider charge, or other applicable contract fee.
```