What does the term "additional benefits" refer to in insurance policies?

The term "additional benefits" in insurance policies refers to extra cover provided beyond the standard terms included in the base policy. These additional benefits are intended to enhance the policyholder's coverage by offering more comprehensive protection or services that are not typically included. For instance, a policy might cover certain events or damages that aren't part of the basic coverage, providing peace of mind and greater financial security.

In contrast, the other choices represent features or incentives that might accompany a policy but do not align with the definition of additional benefits. Discounts for early payment are financial incentives rather than enhancements to coverage. Legal advice services may be a service included in some policies, but it does not necessarily qualify as additional coverage. Free policy changes have more to do with adjustments in policy terms rather than added insurance coverage, which does not fit the concept of additional benefits.