Business Scenario
- Large volume of business: > 100,000/day
- High concurrency: 20,000/hour
- Low amount: Insured amount < 100 RMB/policy
- Streamlined process: No manual underwriting, no workflows, few types of endorsements, fixed premium/amount or premium calculated by a third party.
Technical Consideration
Technology Optimization
- Use a single table to store policies, endorsements, and claims, and do not write them to log tables during policy issuance, which improves overall performance by 5 times and reduces storage space to 1/5 of the original.
- Remove ES indexing/querying, change traditional database querying, and index dynamic fields in relevant tables. There is no need for distributed transactions, which improves performance by 1 time.
- (Optional) Summarize micro insurance policies into group policies according to certain rules, and write them to traditional core systems. Process endorsements and claims similarly. This allows downstream systems (payment/accounting/claims/reporting etc.) to maintain compatibility and reduce pressure from big data.
- Optimize third-party channel integration:
- Support query and update operations based on channel order number, policy number and user information etc.
- Some internal fields do not need to be passed in during integration, and the system will automatically complete and remove the need for complex data padding in the iComposer.
- Provide bulk Create/Update/Issue APIs that can process multiple policies at one time.
- Optimize distributed databases, adding partition information to all SQL statements.
Provided APIs
- Policy: Create, Update, Issue, Payment, Load, Query (exact)
- Endorsement: Create, Update, Issue, Payment, Load, Query (exact)
- Claim: Create, Update, Settle, Payment, Load, Query (exact)
Differences from Traditional Core APIs
- Create/Update/Issue APIs do not involve ES operations, call ES APIs from iComposer if needed.
- Create/Update/Issue APIs do not do premium calculation/manual underwriting, call Proposal/Endorsement Calculation/autoUnderWriting APIs if needed.
- Query APIs only support exact queries, and support database querying on most common fields including custom dynamic fields.
- Provide additional bulk operation APIs for better performance.
- Optimize distributed databases, adding partition information to all SQL statements.
Usage in iComposer Layer
- Similar to calling traditional Proposal/Endorsement APIs, there are no special requirements.
- There is no need to customize integration APIs for different channels/products, and call Mass APIs after internal model transformation.
- For third-party channel integration via files:
- You can use platform’s functions like Upload, Define Templates and Parse Uploaded Data.
- Do necessary processing on parsed data, and call platform APIs to save it to the database. Mass provides some additional bulk update interfaces.
- For summarized group policies, it is necessary to customize post core system logic for different products (they may have different core systems).
Some Points to Note
- Because Mass APIs don’t use ES, there is no need to enable distributed transactions.
- When updating policy data and allowing some fields to be absent, the system will skip updating automatically. This helps a lot for third-party integration mode, which is unnecessary to load policy to fill in data.
API Usage
Policy JSON Structure
Mostly, users can use the same JSON body to call both proposal and micro insurance API.
API Parameters
It is same as Policy/Endo/Claim objects in Proposal/Endo/Claim services. Calling Proposal and Endorsement APIs can basically and directly switch to calling Mass APIs.
Other Related Configurations
Global + Product Level Parameter Configurations:
- Whether to summarize into group policies or not
- Group policy summarization rules
- Group policy data template (or hard coding in iComposer)
- Whether to auto-generate ARAP or not
- Whether to print policies or not
- Which products directly use Claim module rather than Mass Claim?
Limitations
- Fuzzy query in ES is not supported, but precise query on necessary fields in database is supported.
- Traditional report statistics directly on policy model is not supported, but you can use DataMO for data analysis, or analyze summarized group policies.
- DataPatch will be more complex, and you need to update JSON data.
Sample JSON
Request
The environmental information in the first line below needs to be modified accordingly.
curl --location 'https://tenantcode***.insuremo.com/tenantcode-mass-bff-app/massIntegration/common/proposal/createEx' \
--header 'Content-Type: application/json' \
--header 'Cookie: httponly' \
--data-raw '{
"@type": "Policy-POLICY",
"ChannelPolicyNo":"CP1691379025",
"ChannelOrderNo":"CO1691379025",
"ProductCode": "TBTI",
"ProductVersion": "1.0",
"ProposalDate": "2021-04-22T00:00:00",
"EffectiveDate": "2021-04-22T00:00:00",
"ExpiryDate": "2022-04-21T23:59:59",
"AgentCode": "TB0001",
"BookCurrencyCode": "USD",
"PremiumCurrencyCode": "USD",
"OrgCode": "10002",
"LocalCurrencyCode": "USD",
"PremiumBookExchangeRate": 1,
"PremiumLocalExchangeRate": 1,
"SumInsured": 300000,
"DuePremium":10,
"PolicyCustomerList": [
{"@type": "PolicyCustomer-PolicyCustomer",
"CustomerName": "Apitest202111",
"DateOfBirth": "1988-06-08",
"IdNo": "0629",
"IdType": "1",
"Gender": "F",
"IsOrgParty": "N",
"CustomerType": "IndiCustomer",
"IsPolicyHolder": "Y"
}
],
"PolicyLobList": [
{"@type": "PolicyLob-PolicyLob",
"PolicyRiskList": [
{"@type": "PolicyRisk-PolicyRisk",
"CustomerName": "Customer",
"IdNo": "IdNo",
"IdType": "1",
"DateOfBirth": "1988-10-01",
"PolicyCoverageList": [
{"@type": "PolicyCoverage-PolicyCoverage",
"ProductElementCode": "C100416",
"SumInsured": 300000,
"PolicyBenefitList": [
{"@type": "PolicyBenefit-PolicyBenefit",
"ProductElementCode": "B00248"
}
]
},
{"@type": "PolicyCoverage-PolicyCoverage",
"ProductElementCode": "C100692",
"SumInsured": 300000
},
{"@type": "PolicyCoverage-PolicyCoverage",
"ProductElementCode": "C100715",
"SumInsured": 300000
}
],
"ProductElementCode": "R10007",
"RiskName": "Test"
}
],
"ProductCode": "TBTI",
"TotalInsuredCount": 1
}
]
}'Response
{
"@pk": 24200202802,
"@type": "Policy-POLICY",
"AgentCode": "TB0001",
"BookCurrencyCode": "USD",
"BusinessCateCode": "1",
"BusinessObjectId": 3517051304219,
"ChannelOrderNo": "CO1691142041",
"ChannelPolicyNo": "CP1691142041",
"DuePremium": 10,
"EffectiveDate": "2021-04-22",
"ExpiryDate": "2022-04-21T23:59:59",
"LocalCurrencyCode": "USD",
"OrgCode": "10002",
"PolicyElementId": 24200202802,
"PolicyId": "24200202802,568B8E411743F0BCD9737F335F798F99",
"PolicyStatus": 1,
"PolicyType": "1",
"PremiumBookExchangeRate": 1,
"PremiumCurrencyCode": "USD",
"PremiumLocalExchangeRate": 1,
"ProductCode": "TBTI",
"ProductId": 351925022,
"ProductVersion": "1.0",
"ProposalDate": "2021-04-22",
"ProposalNo": "PTBTI2023740000000008",
"SchemaVersion": 2,
"SumInsured": 300000,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"VersionSeq": 0,
"PolicyCustomerList": [
{
"@type": "PolicyCustomer-PolicyCustomer",
"BusinessObjectId": 1000000290,
"CustomerName": "Apitest202111",
"DateOfBirth": "1988-06-08",
"IdNo": "0629",
"IdType": "1",
"IsInsured": "N",
"IsOrgParty": "N",
"IsPolicyHolder": "Y",
"ParentPolicyElementId": 24200202802,
"PolicyStatus": 2,
"SequenceNumber": 1,
"CustomerType": "IndiCustomer",
"Gender": "F",
"TempData": {
"Mask-IdNo": "7TyIEK6o+ecn3L9/3YHLAw==",
"IdNo": "7TyIEK6o+ecn3L9/3YHLAw==",
"MaskAfter-IdNo": "0629"
}
}
],
"PolicyLobList": [
{
"@type": "PolicyLob-TR_POC",
"BusinessObjectId": 351861068,
"ParentPolicyElementId": 24200202802,
"PolicyStatus": 2,
"ProductCode": "TBTI",
"ProductElementCode": "TBTI",
"ProductElementId": 351925023,
"ProductId": 351925022,
"ProductLobId": 351925023,
"SequenceNumber": 1,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"PolicyRiskList": [
{
"@type": "PolicyRisk-R10007",
"BusinessObjectId": 351861075,
"PolicyStatus": 2,
"ProductElementCode": "R10007",
"ProductElementId": 351926021,
"RiskName": "Test",
"SequenceNumber": 1,
"CustomerName": "Customer",
"DateOfBirth": "1988-10-01",
"IdNo": "IdNo",
"IdType": "1",
"PolicyCoverageList": [
{
"@type": "PolicyCoverage-PolicyCoverage",
"BusinessObjectId": 528044248,
"PolicyStatus": 2,
"ProductElementCode": "C100416",
"ProductElementId": 351926024,
"SequenceNumber": 1,
"SumInsured": 300000,
"PolicyBenefitList": [
{
"@type": "PolicyBenefit-PolicyBenefit",
"BusinessObjectId": 528055840,
"PolicyStatus": 2,
"ProductElementCode": "B00248",
"ProductElementId": 522209920,
"SequenceNumber": 1
}
]
},
{
"@type": "PolicyCoverage-PolicyCoverage",
"BusinessObjectId": 528044248,
"PolicyStatus": 2,
"ProductElementCode": "C100692",
"ProductElementId": 351926030,
"SequenceNumber": 2,
"SumInsured": 300000
},
{
"@type": "PolicyCoverage-PolicyCoverage",
"BusinessObjectId": 528044248,
"PolicyStatus": 2,
"ProductElementCode": "C100715",
"ProductElementId": 351926027,
"SequenceNumber": 3,
"SumInsured": 300000
}
],
"TempData": {
"Mask-IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"MaskAfter-IdNo": "IdNo"
}
}
],
"TotalInsuredCount": 1
}
]
}