保费计算公式详情
2023-03-24 12:33:48 12 举报
AI智能生成
alex
作者其他创作
大纲/内容
ShortRateType06
费率表 AHShortRateByMonthsT1
1.调用常规月区间短期费率公式Policy.ShortRate
ShortRateType07
shortRate=(起-止)/12
2.调用月平均短期费率公式Policy.ShortRate
ShortRateType08
费率表 AHShortRateByMonthsT2
3.调用常规月区间2短期费率公式Policy.ShortRate
ShortRateType09
当不足一个月或者余数不足一个月时,按每天1%,最大不超过20%.其他同【常规月区间】
4.调用常规月区间3短期费率公式Policy.ShortRate
ShortRateType11
日平均要优惠于常规日区间
5.调用 日平均短期费率公式Policy.ShortRate
ShortRateType12
参数表 AHShortRateByDays
6.调用常规日区间短期费率Policy.ShortRate
ShortRateType04
shortRate=1
7.调用无短期费公式Policy.ShortRate
短期费率计算Policy.ShortRate
如果有值,保留8位
没值,返回1
短期费率位数处理Policy.ShortRate
调用意健险短期费率AHShortRate
EVF产品SumInsured=AvgSumInsured * FamilyCount * NumberOfCopies
WUI产品SumInsured=AvgSumInsured * NumberOfCopies
家庭分组(InsuredGroupType=2)
普通分组(InsuredGroupType=1)SumInsured=AvgSumInsured * InsuredCount * NumberOfCopies
标的组下一级责任
标的组下二级责任(计算逻辑同上)
被保人(CustomerRoleCode=2)SumInsured=AvgSumInsured * NumberOfCopies
其他SumInsured=0
EVF产品
WUI产品SumInsured=AvgSumInsured * NumberOfCopies
家庭分组
普通分组SumInsured=AvgSumInsured * NumberOfCopies
标的下一级责任
标的下二级责任(计算逻辑同上)
公共责任分组下一级责任SumInsured=AvgSumInsured
公共责任分组下二级责任SumInsured=AvgSumInsured
通用保额计算(意健险)PolicyCoverage.SumInsured
月薪倍数型保额计算(意健险)PolicyCoverage.SumInsured
保额确定方式型保额计算(意健险)PolicyCoverage.SumInsured
月平均工资型保额计算(意健险)PolicyCoverage.SumInsured
建工险保额计算(意健险)PolicyCoverage.SumInsured
团体护理津贴型保额计算(意健险)PolicyCoverage.SumInsured
失能险WUB保额计算(意健险)PolicyCoverage.SumInsured
失能险WUC保额计算(意健险)PolicyCoverage.SumInsured
调用意健责任保额计算ProductSumInsured - AH
PolicyCoverage.shortRate!=null
shortRate = Policy().ShortRate
一级责任shortRate = 1
二级责任shortRate = 1
公共责任分组
标的组下一级责任shortRate = 1
标的组下二级责任shortRate = 1
标的下一级责任shortRate = 1
标的下二级责任shortRate = 1
责任分组带方案
PolicyCoverage.shortRate==null
取短期费率
UnitPremium != null && PremiumRate ==null,则 PremiumRate=UnitPremium/AvgSumInsured
PremiumRate !=null && UnitPremium ==null ,则 UnitPremium = AvgSumInsured * PremiumRate
PremiumRate !=null && UnitPremium ! =null ,则 UnitPremium = AvgSumInsured * PremiumRate
单位保费=人均保额 * 费率根据人均保额反算费率或单位保费
更新GrossPremium=DuePremium
StdPremium=DuePremium
渠道车+人
更新GrossPremium=UnitPremium * shortRate * NumberOfCopies * FamilyCount
StdPremium=UnitPremium * NumberOfCopies * FamilyCount
EVF
更新GrossPremium=UnitPremium * shortRate * NumberOfCopies * InsuredCount
StdPremium=UnitPremium * NumberOfCopies * InsuredCount
WUI
更新GrossPremium=UnitPremium * shortRate * NumberOfCopies * InsuredCount
StdPremium=UnitPremium * NumberOfCopies * InsuredCount
普通分组(InsuredGroupType=1)
context[\"hasInsuredFactor\"]==false
累加当前分组关联的人下责任的grossPremium、stdPremium
更新GrossPremium=grossPremium
StdPremium=stdPremium
个单标准有分户
其它
context[\"hasInsuredFactor\"]==true
月平均 (endoStortRateType=07),endoStortRate=被保人起止期月差值 / 保单起止期月差值
其它,按日平均 , endoStortRate =被保人起止期日差值 / 保单起止期日差值
context[\"endoStortRateType\"] != null && 个单标准有分户
计算endoStortRate,默认值为1
更新GrossPremium=UnitPremium*shortRate * endoStortRate * NumberOfCopies
StdPremium=UnitPremium * NumberOfCopies
被保人(CustomerRoleCode =2 )
更新GrossPremium=0
StdPremium=0
其他
更新GrossPremium=UnitPremium*shortRate * endoStortRate * NumberOfCopies
更新GrossPremium = UnitPremium * shortRate
StdPremium = UnitPremium
公共责任分组下一级责任
公共责任分组下二级责任 ( 计算逻辑同上 )
更新GrossPremium
通用保费计算公式PolicyCoverage.StdPremium
标的组下二级责任
标的下二级责任
更新GrossPremium=(UnitPremium*shortRate).round(2)
StdPremium=UnitPremium
公共责任分组下二级责任
不计(意健险)PolicyCoverage.StdPremium
建工险保费计算公式(意健险)PolicyCoverage.StdPremium
失能险计算公式(意健险)PolicyCoverage.StdPremium
调用意健责任实际保费计算ProductActualPremium - AH
GrossPremium=GrossPremium
责任毛保费-外币PolicyCoverage.GrossPremium
DuePremium=GrossPremium
责任应收保费-外币PolicyCoverage.DuePremium
调用意健险承保实际保费计算(意健险)Product Trans Rating - AH
公共责任分组不计算标费BasePremium=StdPremium
非津贴类sumInsured=SumInsured
常规津贴时(SumInsuredCalculation=2)sumInsured=SumInsured/SubsidyDay补贴天数
团体护理津贴时(SumInsuredCalculation=8)sumInsured=SumInsured/SubsidyPeriod补贴周期
计算sumInsured
根据责任对应条款的code查参数表AH_PremRateNoFactor对应的stdPrmeiumRate、unit
BasePremium = (stdPrmeiumRate / unit) * sumInsured
无因子PolicyCoverage.BasePremium
手术类别 PolicyCoverage.BasePremium
行业分类PolicyCoverage.BasePremium
保险期间PolicyCoverage.BasePremium
麻醉类型PolicyCoverage.BasePremium
基础费率(Mock)PolicyCoverage.BasePremium
职业分档PolicyCoverage.BasePremium
工程方式_工程分档PolicyCoverage.BasePremium
贷款方式PolicyCoverage.BasePremium
投保年龄(周岁)PolicyCoverage.BasePremium
非标的层直接返回BasePremium=BasePremium
根据责任对应条款的code、年龄、性别查参数表AH_PremRateByAgeSex对应的stdPrmeiumRate、unit
标的层
投保年龄_性别PolicyCoverage.BasePremium
保险期间_出入境PolicyCoverage.BasePremium
学平类PolicyCoverage.BasePremium
二级责任相同PolicyCoverage.BasePremium
保险性质_支付比例PolicyCoverage.BasePremium
保险期间_保险金额PolicyCoverage.BasePremium
支付比例_年龄PolicyCoverage.BasePremium
根据因子,计算标费PolicyCoverage.BasePremium
Policy.IsSpecialGroup=Y && basePremium==null 则 basePremium = DuePremium
context[\"needCalcStandRateByShortRate\"]==true则 basePremium=basePremium * shortRate
其它则 basePremium=basePremium
贷款保额确定方式为贷款余额 || 团单标准有分户(SumInsuredMode=02)
BasePremium!=null,则BasePremium=BasePremium * shortRate
BasePremium = 0
责任层basePremium
贷款保额确定方式为贷款余额,标费不计短期费率basePremium= BasePremium
累加标的上的BasePremiumbasePremium=BasePremium * shortRate
标的组下一级责任标的组上标费由标的汇总
个单标准有分户 且标费公式含如下标的因子1,7,9,10,14,15
累加
调用意健险承保标费计算(意健险)AHStdPremRate
根据clauseCode、productCode、orgCode、proposalDate,查大地条款税率表ClauseRateTable
根据查询结果赋值vatRate=VATRate/100vatRateType=vatRateType
查不到,默认赋值vatRate=0.06vatRateType=A
责任增值税率 - 外币PolicyCoverage.VatRate
BeforeVatPremium=DuePremium /(1+VatRate)
责任不含税保费 - 外币PolicyCoverage.BeforeVatPremium
VAT=DuePremium - BeforeVatPremium
责任增值税PolicyCoverage.Vat
责任
非责任增值税率 - 外币PolicyChargeableClause.VatRate
非责任不含税保费 - 外币PolicyChargeableClause.BeforeVatPremium
非责任增值税PolicyChargeableClause.Vat
非责任
调用通用承保增值税相关计算(意健险)Tax
赋值BeforeVatPremiumLocal = BeforeVatPremium * PremiumLocalExchangeRateVatLocal = Vat * PremiumLocalExchangeRateDuePremiumLocal = DuePremiumLocal * PremiumLocalExchangeRateGrossPremiumLocal = GrossPremium * PremiumLocalExchangeRate
StdPremiumLocal=StdPremiumLocal * PremiumLocalExchangeRate
BeforeVatPremiumLocal =StdPremium * PremiumLocalExchangeRate
DuePremiumLocal = StdPremium * PremiumLocalExchangeRate
GrossPremiumLocal = StdPremium * PremiumLocalExchangeRate
荣易达渠道外币转本币尾差处理BusinessAttribute=E00048
StdPremium != null
保费多币种
SumInsuredLocal=SumInsured * SiLocalExchangeRate
保额多币种
责任外币转本币
赋值BeforeVatPremiumLocal = BeforeVatPremium * PremiumLocalExchangeRateVatLocal = Vat * PremiumLocalExchangeRateDuePremiumLocal = DuePremiumLocal * PremiumLocalExchangeRateGrossPremiumLocal = GrossPremium * PremiumLocalExchangeRate
非责任外币转本币
调用通用多币种转换计算(意健险)MultiCurrencyConvert
非标的组,直接return
递归设置父级为0SumInsuredLocal、SumInsured、BasePremium、StdPremiumGrossPremium、DuePremium、BeforeVatPremium、VatGrossPremiumLocal、DuePremiumLocal、BeforeVatPremiumLocal、VatLocal
如果父级是PolicyCoverage,则AvgSumInsured、UnitPremium设置为0
责任父层级全部设0
非标的组,直接 return
StdPremium != null ,累加
不计入保额时不做累加siFlag != N ,累加 SumInsured、SumInsuredLocal
累加GrossPremium、DuePremium、Vat、BeforeVatPremiumGrossPremiumLocal、DuePremiumLocal、VatLocal、BeforeVatPremiumLocal
totalFloatRate=1-DuePremium/BasePremium
BasePremium !=0
BasePremium = 0,则 TotalFloatRate=0
渠道出单等不算标费的场合,不计算浮动费率因子currentModel.getBusinessModelName() == \"PolicyCoverage\"&& BasePremium!=null
累加 AvgSumInsured
更新 VatRateType、VatRate
责任上没有单位保费则不累加(基金类)UnitPremium != null,累加 UnitPremium
人均保额、单位保费累加到一级责任及条款上parent.currentModel.getBusinessModelName() == \"PolicyCoverage\"
公共保障责任分组存在,则sharedCtGroupPrem= Policy().SharedCoverageGroups()[0].GrossPremium
fundTotal=FundTotal + sharedCtGroupPrem
用 fundTotal 更新当前节点GrossPremium、DuePremium
用 fundTotal 更新父节点GrossPremium、DuePremium
FundTotal != null
基金类基金总额累加到保单上current.currentModel.getBusinessModelName() == \"PolicyLob\" && current.FundTotal.isBound
意健承保整体累加
调用意健险累加逻辑(意健险)Accumulation - AH
通用承保串联New Business Trans Rating
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