Identification

• The definition of an extra-contractual agreement usually resides within insurance policy. When you purchase a policy, or become party to one through employment, there is a formal contract that outlines coverage and the insurer's responsibility. If you desire coverage of services which lie outside the contract, you may attempt to gain an extra-contractual agreement with the insurer.
  
  

Features

• These agreements can be necessary after a serious illness or injury, one where an immediate expansion on benefits is necessary. While this is possible through private plans, as an employee, you may have to submit a request through your employment organization. In some cases, the employer will argue your case with the insurance underwriter.
  
  

Warnings

• It is possible that extra-contractual agreements are in the interest of the insurer as well as the client. An example of which is the transition from inpatient to outpatient services, where the insurer pays less but the patient receives more coverage. The only way to ensure that your insurer will be held to the agreement is to obtain documentation, or "have it in writing."