A legal advice helpline included in a packaged commercial insurance policy is typically described as what type of facility?

A legal advice helpline included in a packaged commercial insurance policy is described as a non-insurance service because it provides support and assistance that is not directly associated with the insurance coverage itself. Non-insurance services are often added benefits that enhance the overall value of an insurance policy, offering clients access to resources such as legal consultations, business advice, or other professional services.

This contrasts with cover extensions or chargeable extensions, which are typically modifications to the core insurance coverage and may involve additional costs or increased limits. A scheme service refers to services provided under a structured program but may still relate directly to coverage. In this context, the legal advice helpline stands apart as a supportive resource rather than a component of the insurance contract, thus aligning with the definition of a non-insurance service.