FI Schema – Insurance Policies

FI Schema – Insurance Policies

Insurance Policies
Insurance Policies
AccountBasic Profile of the account which should include the Account Owner information, maskedAccNumber and linkedAccRef numbers,
type of account specific to the FI type and any other generic details as might be pertinent for the specified FI type.
AttributesNameTypeUseAnnotation
maskedAccNumberstringrequiredMasked Account No.
linkedAccRefstringrequiredLinked account reference no. for the account
versionfloatrequiredVersion of Schema
typestringrequiredType of Schema (Fixed: "certificates_deposit")
ProfileBasic Profile of the account which should include the Account Owner information, maskedAccNumber and linkedAccRef numbers,
type of account specific to the FI type and any other generic details as might be pertinent for the specified FI type.
Holders
AttributesQNameTypeUseAnnotation
typeenum(SINGLE, JOINT) required
HolderQNameTypeUseAnnotation
rankenum(1, 2)required
namestringrequiredName of primary holder operating the account
dobdaterequiredDate of birth of primary account holder
mobileintegerrequiredPrimary mobile number of account holder
nomineeenum(Registered, Not-Registered)requiredName of nominee associated with the account
landlinestringoptionalLandline no. of the Account Holder
addressstringoptionalAddress of account holder
emailstringrequiredEmail ID of primary account holder
panstringoptionalPAN number of primary account holder
ckycCompliancebooleanoptionalKYC status whether its completed or pending
Riders
RiderQNameTypeUseAnnotation
riderTypestringrequiredType of Insurance Rider if present. E.g., Accidental death rider, waiver of premium, etc.
sumAssuredstringrequiredThe amount that the insurer agrees to pay on the occurrence of an event. E.g., the guaranteed amount that the beneficiary of the life insurance policy will receive in case of the holder's death.
tenureYearsstringrequiredThe duration in years for which the policy provides insurance coverage.
tenureMonthsstringrequiredThe duration in months for which the policy provides insurance coverage
premiumAmountstringrequiredThe amount paid periodically to the insurer by the holder for covering the risk.
policyStartDatestringrequiredStart date of policy mentioned at the time of issuing
policyEndDatestringrequiredDate of policy when it will get expired.
SummaryThe value of the account, term of the deposits if relevant and any other data that summarizes the funds in the account.
AttributesQNameTypeUseAnnotation
policyNamepositiveIntegerrequiredName of policy which is purchased
policyNumberfloatrequiredPolicy Number alloted or assigned
eiaNumberfloatrequirede-Insurance Account or Electronic Insurance Account number
policyDescriptionstringoptionalDescription of policy
sumAssuredfloatrequiredAmount or value of insurance
coverAmountfloatrequiredAmount or value of cover in insurance
tenureMonthsstringrequiredMonths which are passed since investment made
tenureYearsstringrequiredYears which are passed since investment made
premiumAmountfloatrequiredPremium amount to be paid for the policy
policyStartDatedaterequiredDate since when policy is valid or stated
policyExpiryDatedateoptional
policyTypeenum(TERM, ENDOWMENT,
MONEYBACK, PENSION_PLAN,
WHOLE_LIFE, CHILDREN_PLAN,
LOAN_COVER_TERM,
COMPREHENSIVE,
THIRD_PARTY, OTHERS)
requiredThe specific type of Insurance Life, Motor or Health Insurance. E.g Child's Plan
coverTypeenum(TERM_ROP,
CRITICAL_ILLNESS, HEALTH,
SELF, FAMILY, BUILDING,
CONTENTS, OTHERS)
requiredThe specific risk types covered by the Insurance. E.g., Home insurance might cover Home Structure/ Building or Burglary/Theft, etc.
premiumFrequencyenum(MONTHLY, QUARTELY,
HALF_YEARLY, YEARLY,
ONE_TIME)
requiredFrequnecy of premium to be paid whether monthly, quarterly or annually
premiumPaymentYearspositiveIntegerrequiredNumber of year till when premium is require to pay.
premiumPaymentMonthspositiveIntegerrequiredNumber of month till when premium is require to pay
nextPremiumDueDatepositiveIntegeroptional
maturityDatedaterequiredDate of maturity for investment
maturityBenefitstringrequiredThe lump-sum amount the insurance company pay the holder after the maturity of insurance policy.
Moneybacks
MoneybackQNameTypeUseAnnotation
datedaterequiredStart date of policy
amountfloatrequired
descriptionstringrequiredDescription or details of security in which investment made
ContractClauses
ContractClauseQNameTypeUseAnnotation
titlestringrequiredIn case of Title insurance whether it is Lender's or Owner's Title insurance
subLimitstringrequiredThe amount of coverage available to cover a specific type of loss
conditionsstringrequiredThe specific provisions, rules of conduct, duties, and obligations that the holder must comply with in order to keep coverage in effect. If these conditions are not met, the insurer can deny the claim.
exlcusionsstringrequiredThe risk(s) excluded from the insurance policy coverage
amountfloatrequired
descriptionstringrequiredDescription or details of security in which investment made
Covers
CoverQNameTypeUseAnnotation
amountfloatrequired
descriptionstringrequiredDescription or details of security in which investment made
TransactionsDetails of all transactions that have been posted in an account.
AttributesQNameTypeUseAnnotation
startDatedaterequiredStart date of investment since when it is applicable
endDatedaterequiredEnd date of investment when tenure get complete
TransactionQNameTypeUseAnnotation
txnIdstringrequiredTransaction ID recorded or captured for investment made
txnDatedaterequiredTransaction date time stamp for particular record when investment taken place
narrationstringrequiredNararation is additional details in form of decription of remark associated with investment
typeenum(PREMIUM_PAYMENT,
BONUS, MONEY_BACK,
LATE_FEES,
FINAL_SETTLEMENT, CLAIM,
PLAN_CHANGE,
INSURANCE_RENEWWAL,
OTHERS)
requiredTransaction type; may be payment, charge adjustment or credit adjustment
amountfloatrequiredThe transaction amount