Policy Generation API

A Broker registers a new generic Policy into the system.

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let pa = {
insuredObject: {
addressId: {
apartmentNo: null,
buildingNo: null,
city: "City",
subcity: "Subcity",
districtCode: "AG",
entrance: 1,
floorNo: 1,
postalCode: "1234",
street: "Street Name",
streetNo: 123,
streetType: null
}},
policyList: [
{
insuranceTypeName: "Personal Accidents",
productCode: "PA",
insuranceProductItemList: [{
code: "DPA",
insuredAmount: 50000.0,
finalPremiumAmount: 144.0
}, {
code: "ICPA",
insuredAmount: 25000.0,
finalPremiumAmount: 792.0
},
{
code: "PDA",
insuredAmount: 35000.0,
finalPremiumAmount: 1209.6
}, {
code: "MEACC",
insuredAmount: 20000.0,
finalPremiumAmount: 691.2
}],
issuedDate: "2022-06-22",
startDate: "2022-06-23",
renewedPolicyNo: null,
quoteNo: "AnaTest30",
totalIndemnityLimit: 1300000,
validityType: "Months",
validity: 12,
agent: {
agentId: null,
type: null
},
broker: {
brokerId: 'Broker1'
},
contractorCode: '816',
insuredCode: '815',
beneficiaryCode: '816',
currency: "RON",
paymentType: "BrokerCollection",
paymentFrequency: "monthly",
mentions: "Insert comment here",
renewType: "Manual",
cardId: "",
cardName: "PA-Card A",
dntResponses: [
{
questionCode: "EXP", // direct
answerValue: false
},
{
questionCode: "CMP", // online
answerValue: true
}
],
quoteConfigCode: 'PAQC'
},
],
masterPolicyNo: null
};
ebs.callActionByNameAsync("PolicyGenerationAPI", pa)
.then(
function(e){
console.log(e.UIResult.Data)
}
);

An Agent registers a new generic Policy into the system.

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let pa = {
insuredObject: {
addressId: {
apartmentNo: null,
buildingNo: null,
city: "City",
subcity: "Subcity",
districtCode: "AG",
entrance: 1,
floorNo: 1,
postalCode: "1234",
street: "Street Name",
streetNo: 123,
streetType: null
}},
policyList: [
{
insuranceTypeName: "Personal Accidents",
productCode: "PA",
insuranceProductItemList: [{
code: "DPA",
insuredAmount: 50000.0,
finalPremiumAmount: 144.0
}, {
code: "ICPA",
insuredAmount: 25000.0,
finalPremiumAmount: 792.0
},
{
code: "PDA",
insuredAmount: 35000.0,
finalPremiumAmount: 1209.6
}, {
code: "MEACC",
insuredAmount: 20000.0,
finalPremiumAmount: 691.2
}],
issuedDate: "2022-06-22",
startDate: "2022-06-23",
renewedPolicyNo: null,
quoteNo: "AnaTest30",
totalIndemnityLimit: 1300000,
validityType: "Months",
validity: 12,
agent: {
agentId: "23435788",
type: "Individual person"
},
broker: {
brokerId: null
},
contractorCode: '816',
insuredCode: '815',
beneficiaryCode: '816',
currency: "RON",
paymentType: "BrokerCollection",
paymentFrequency: "monthly",
mentions: "Insert comment here",
renewType: "Manual",
cardId: "",
cardName: "PA-Card A",
dntResponses: [
{
questionCode: "EXP", // direct
answerValue: false
},
{
questionCode: "CMP", // online
answerValue: true
}
],
quoteConfigCode: 'PAQC'
},
],
masterPolicyNo: null
};
ebs.callActionByNameAsync("PolicyGenerationAPI", pa)
.then(
function(e){
console.log(e.UIResult.Data)
}
);

Here is the list of data parameters included in the request:

*The keys present in the insuredObject object will change for each type of policy accordingly to the insured object type configurated at insurance product level(for each dimension present on the insured object type configuration there will be a corresponding key into the body, under the insuredObject key).

*The address is mandatory or not, depending on the insured object type’s setting for address. The addressId object structure is defined in the FTOS_INSQB_Address processor.

For other insured object types the insuredObject key follows the following structure:

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insuredObject: {
addressId: {
apartmentNo: null,
buildingNo: null,
city: "ALBOTA",
subcity: "GURA VAII",
districtCode: "AG",
entrance: 1,
floorNo: 1,
postalCode: "1234",
street: "Splai Independentei",
streetNo: 123,
streetType: null
},
dimension1: value1
dimension2: value2,
...
dimensionN: valueN
}

This is an example of a response:

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{
    "errorMessage": null,
    "errorCode": null,
    "isSuccess": true,
    "result": {
        "policyData": [{
            "policyBeginDate": "2021-07-17",
            "policyEndDate": "2022-07-16",
            "policyId": "8707f5a4-4fae-40b2-b899-e27735c5b98e",
            "policyNumber": "80000480",
        }]
    }
}

Response description:

The following are the error messages that can be encountered during the policy generation process:

The endpoint is responsible for generating generic policies in the Core system. When generating a policy, some information should be sent in order for the action to be successful. This endpoint also aligns the policies payment schedule with the one from the associated Master Policy.

In the moment a new policy is added on the Master Policy (this happens when the policy is generated, meaning the policy is in the Proposal status), the payment schedule for that policy is set up taking into consideration the unpaid installments of the associated Master Policy. More precisely, the system verifies the Master Policy payment schedule and retrieves the number of unpaid installments of that Master Policy. The resulting numberis the number of the installments for that newly added policy.

Example:

Say the Master Policy Payment Frequency is set as Quarterly.

In the fourth month from the Begin Date of the Master Policy, a new policy is added, where the End Date of the policy is the same as the End Date of the Master Policy. In this moment, on the Master Policy, the system checks the number of unpaid installments for that Master Policy and finds that there are 2 unpaid installments.

1. The new policy is generated with 2 installments of the newly issued policy. These have the same due date as the 2 unpaid installments of the Master Policy.

2. The total premium amount of the policy is divided into 2.

3. The system updated the following elements of the Master Policy:

   • The Payment Schedule is updated by adding the 2 installment sums of the policy to those 2 unpaid installment sums of the Master Policy;

   • The Payment Amount is updated by adding to the old premium amount of the Master Policy the newly added policy premium amount;

   • The IPT Amount is updated by adding to the old IPT amount of the Master Policy the newly added policy IPT amount.

Request

This is an example call request.

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{
   "policyList":[
      {
         "insuranceTypeName":"Personal Accidents",
         "productCode":"PA",
         "insuranceProductItemList":[
            {
               "code":"DPA",
               "insuredAmount":50000.0,
               "finalPremiumAmount":244.0,
               "excessType":"percentageOfSumInsured",
               "excessValue":"10"
            },
            {
               "code":"PDA",
               "insuredAmount":35000.0,
               "finalPremiumAmount":1309.6,
               "excessType":"percentageOfSumInsured",
               "excessValue":"10"
            },
            {
               "code":"PDA",
               "insuredAmount":20000.0,
               "finalPremiumAmount":541.0,
               "excessType":"percentageOfSumInsured",
               "excessValue":"10"
            },
            {
               "code":"MEACC",
               "insuredAmount":150000,
               "finalPremiumAmount":154,
               "excessType":"percentageOfSumInsured",
               "excessValue":"10"
            }
         ],
         "issuedDate":"2022-08-24",
         "startDate":"2022-08-25",
         "renewedPolicyNo":"",
         "quoteNo":"Armand22081202",
         "totalIndemnityLimit":13000000,
         "validityType":"Months",
         "validity":12,
         "agent":{
            "agentId":"null",
            "type":"null"
         },
         "broker":{
            "brokerId":"Cel Mai Broker"
         },
         "contractorCode":"1",
         "insuredCode":"1",
         "beneficiaryCode":"1",
         "currency":"RON",
         "paymentType":"BrokerCollection",
         "paymentFrequency":"semiAnnually",
         "mentions":"Insert comment here",
         "renewType":"Manual",
         "cardId":"",
         "cardName":"PA-Card A",
         "dntResponses":[
            {
               "questionCode":"EXP",
               "answerValue":true
            },
            {
               "questionCode":"CMP",
               "answerValue":true
            }
         ],
         "quoteConfigCode":"PAQC"
      }
   ],
   "insuredObject":{
      "addressId":{
         "apartmentNo":null,
         "buildingNo":null,
         "city":null,
         "subcity":null,
         "districtCode":null,
         "entrance":null,
         "floorNo":null,
         "postalCode":null,
         "street":null,
         "streetNo":null,
         "streetType":null,
         "postTown":null,
         "fullAddress":"Orasul Mare, Strada Principala, Bloc La Sosea"
      },
      "age":43,
      "retirementAge":65,
      "employmentStatusId":"Employed",
      "hasMedicalConditions":false,
      "maritalStatusId":"Married",
      "noOfChildren":0,
      "occupationId":"Engineer",
      "personsInCare":false,
      "annualSalary":150000
   },
   "masterPolicyNo":""
}

Response

This is the response:

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{
   "isSuccess":true,
   "errorCode":null,
   "errorMessage":null,
   "result":[
      {
         "policyData":[
            {
               "policyId":"17c343d5-cef7-4d22-91fe-831da10fc0a8",
               "policyNumber":"80000472",
               "productId":"5c4c6919-f013-4bf2-82c3-117f88fb4f2c",
               "policyBeginDate":"2022-10-26",
               "policyEndDate":"2023-10-25"
            }
         ],
         "insuredObjectData":{
            "insuredObjectId":"2213e59a-5b20-4093-a774-7d3b97b5f510",
            "addressId":"2efce2d1-2578-4d75-bccc-1d6e72db766b",
            "insuredObjectDetailsId":"350568eb-9861-44e8-93bb-ec10ac4e3bf4"
         }
      }

The endpoint is used for selecting all the data for a module that has the Id matching to the one obtained from the context JSON object.

Function: getModuleData() - The function contains a fluent query that returns the required attributes from the FTOS_INSPA_PolicyInsuranceItem entity for a module with a specific Id. After retrieving the results, the function calls the setData method for passing the object to the result parameter of the client-side callback function.

Input parameters: N/A.

Output parameters: moduleList - JSON object containing the module data.

The endpoint is used for selecting all the data for a policy covered risk that has the Id matching to the one obtained from the context JSON object. When calling the endpoint with the ebs.callActionByNameAsync method, an object containing the formData.id gets passed as a parameter.

Function: getCoveredRisk() - The function contains a fluent query that returns the required attributes from the FTOS_INSPA_PolicyInsItemXCoveredRisk entity for a covered risk with a specific id. After retrieving the results the function calls the setData method for passing the object to the result parameter of the client-side callback function.

Input parameters: N/A.

Output parameters: coveredRiskList - JSON object containing the covered risk data

This endpoint is used to generate a term life guaranteed/jet issue policy.

Input parameters:

• insuranceTypeName: ''Term Life''

• productCode: "TLF"

• termLifeType: option set

• insuranceProductItemList

  • code: "TLF0"

    • sumInsured: numeric

    • regularPremiumBase: numeric

    • annualizedPremiumBase: numeric (attribute to be added, numeric)

  • code: "CI0"

    • isCriticalIllnessIncluded: (attribute to be added, Boolean type)

    • regularPremiumCriticalIllness: numeric

    • annualizedPremiumCriticalIllness: numeric (attribute to be added)

  • regularPremiumTotal: numeric

  • annualizedPremiumTotal: numeric (attribute to be added)

  • policyFee: numeric

• issuedDate ( invariant Date type)

• startDate (invariant Date type)

• renewedPolicyNo: null (text type)

• renewTypeId: null (option set)

• quoteNo: text

• validityType: option set (days, months, years)

• validity: numeric

• policyTerm: numeric

• frequency: option set

• currency: currency code

• paymentType: option set (FTOS_INSPA_PolicyPaymentType, with "directDebit" our only option here)

• agent:

  • FTOS_INS_Agentid (lookup)

• broker:

  • brokerId: null (attribute to be added, lookup)

• contractor (policyholder):

  • Name

  • PIN

  • dateOfBirth

  • email

  • phone

• insured:

  • Name

  • PIN

  • dateOfBirth

  • email

  • phone

Response:

• policyBeginDate;

• policyEndDate;

• policyId;

• policyNumber.

Validations:

• If the issue date value provided on issuedDate is less than current date, the following error message is displayed: "Invalid issued date!";

• If the start date value provided on startDate is less than or equal with issuedDate value, the following error message is displayed: "Invalid start date!";

• If the value provided on paymentType is not valid, not part of the accepted values, the following error message is displayed: "Invalid payment Type!";

• If the currency code provided on currency is not identified, the following error message is displayed: "Invalid currency!";

• If another policy of the same insurance type is already registered, the following error message is displayed: "Existing policy for the same quote and insurance type!".