FI Schema – Insurance Policies
Insurance Policies |
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Insurance Policies | ||||
Account | Basic 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. |
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Attributes | Name | Type | Use | Annotation |
maskedAccNumber | string | required | Masked Account No. | |
linkedAccRef | string | required | Linked account reference no. for the account | |
version | float | required | Version of Schema | |
type | string | required | Type of Schema (Fixed: "certificates_deposit") | |
Profile | Basic 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. |
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Holders | ||||
Attributes | QName | Type | Use | Annotation |
type | enum(SINGLE, JOINT) | required | ||
Holder | QName | Type | Use | Annotation |
rank | enum(1, 2) | required | ||
name | string | required | Name of primary holder operating the account |
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dob | date | required | Date of birth of primary account holder |
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mobile | integer | required | Primary mobile number of account holder |
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nominee | enum(Registered, Not-Registered) | required | Name of nominee associated with the account |
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landline | string | optional | Landline no. of the Account Holder | |
address | string | optional | Address of account holder |
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string | required | Email ID of primary account holder | ||
pan | string | optional | PAN number of primary account holder |
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ckycCompliance | boolean | optional | KYC status whether its completed or pending | |
Riders | ||||
Rider | QName | Type | Use | Annotation |
riderType | string | required | Type of Insurance Rider if present. E.g., Accidental death rider, waiver of premium, etc. |
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sumAssured | string | required | The 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. |
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tenureYears | string | required | The duration in years for which the policy provides insurance coverage. |
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tenureMonths | string | required | The duration in months for which the policy provides insurance coverage |
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premiumAmount | string | required | The amount paid periodically to the insurer by the holder for covering the risk. |
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policyStartDate | string | required | Start date of policy mentioned at the time of issuing |
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policyEndDate | string | required | Date of policy when it will get expired. | |
Summary | The value of the account, term of the deposits if relevant and any other data that summarizes the funds in the account. | |||
Attributes | QName | Type | Use | Annotation |
policyName | positiveInteger | required | Name of policy which is purchased | |
policyNumber | float | required | Policy Number alloted or assigned | |
eiaNumber | float | required | e-Insurance Account or Electronic Insurance Account number | |
policyDescription | string | optional | Description of policy | |
sumAssured | float | required | Amount or value of insurance | |
coverAmount | float | required | Amount or value of cover in insurance | |
tenureMonths | string | required | Months which are passed since investment made | |
tenureYears | string | required | Years which are passed since investment made | |
premiumAmount | float | required | Premium amount to be paid for the policy | |
policyStartDate | date | required | Date since when policy is valid or stated | |
policyExpiryDate | date | optional | ||
policyType | enum(TERM, ENDOWMENT, MONEYBACK, PENSION_PLAN, WHOLE_LIFE, CHILDREN_PLAN, LOAN_COVER_TERM, COMPREHENSIVE, THIRD_PARTY, OTHERS) | required | The specific type of Insurance Life, Motor or Health Insurance. E.g Child's Plan | |
coverType | enum(TERM_ROP, CRITICAL_ILLNESS, HEALTH, SELF, FAMILY, BUILDING, CONTENTS, OTHERS) | required | The specific risk types covered by the Insurance. E.g., Home insurance might cover Home Structure/ Building or Burglary/Theft, etc. | |
premiumFrequency | enum(MONTHLY, QUARTELY, HALF_YEARLY, YEARLY, ONE_TIME) | required | Frequnecy of premium to be paid whether monthly, quarterly or annually | |
premiumPaymentYears | positiveInteger | required | Number of year till when premium is require to pay. | |
premiumPaymentMonths | positiveInteger | required | Number of month till when premium is require to pay | |
nextPremiumDueDate | positiveInteger | optional | ||
maturityDate | date | required | Date of maturity for investment | |
maturityBenefit | string | required | The lump-sum amount the insurance company pay the holder after the maturity of insurance policy. | |
Moneybacks | ||||
Moneyback | QName | Type | Use | Annotation |
date | date | required | Start date of policy | |
amount | float | required | ||
description | string | required | Description or details of security in which investment made | |
ContractClauses | ||||
ContractClause | QName | Type | Use | Annotation |
title | string | required | In case of Title insurance whether it is Lender's or Owner's Title insurance | |
subLimit | string | required | The amount of coverage available to cover a specific type of loss | |
conditions | string | required | The 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. | |
exlcusions | string | required | The risk(s) excluded from the insurance policy coverage | |
amount | float | required | ||
description | string | required | Description or details of security in which investment made | |
Covers | ||||
Cover | QName | Type | Use | Annotation |
amount | float | required | ||
description | string | required | Description or details of security in which investment made | |
Transactions | Details of all transactions that have been posted in an account. | |||
Attributes | QName | Type | Use | Annotation |
startDate | date | required | Start date of investment since when it is applicable | |
endDate | date | required | End date of investment when tenure get complete | |
Transaction | QName | Type | Use | Annotation |
txnId | string | required | Transaction ID recorded or captured for investment made | |
txnDate | date | required | Transaction date time stamp for particular record when investment taken place | |
narration | string | required | Nararation is additional details in form of decription of remark associated with investment | |
type | enum(PREMIUM_PAYMENT, BONUS, MONEY_BACK, LATE_FEES, FINAL_SETTLEMENT, CLAIM, PLAN_CHANGE, INSURANCE_RENEWWAL, OTHERS) | required | Transaction type; may be payment, charge adjustment or credit adjustment | |
amount | float | required | The transaction amount |