Insurance-Specific Requirements

Use

Insurance-specific requirements are taken into account in the payment program:

Handling different payment data on insurance object-partner level.

Handling payment locks on insurance object-partner level.
Extended grouping for the payment run
Exclusion of items that are collected/disbursed by brokers

Integration

The listed functions are implemented in the insurance-specific modules for events 0600 and 0610, and can be extended with customer-specific modules.

Features

The subfunctions listed above are dealt with in more detail here.

Handling different payment data on insurance object-partner level and on account-partner level.

You can define payment data on insurance object-partner level instead of payment data for the contract account partner. This includes the following data:

Alternative payer
Alternative payer’s address number
Incoming payment method
Own bank details
Bank details and payment card ID for incoming payments
Alternative payment recipient
Address number for alternative payment recipient
Outgoing payment method
Bank details and payment card ID for outgoing payments
Variable clearing indicator
Clearing account
Contract account/business partner used for payment transactions

The alternative payment data on insurance object-partner level is included in the grouping for the item to be paid – with the exception of the business partner/contract account, which is used in payment transactions. This means that a business partner’s items, belonging to different contracts, are paid separately if different payment data has been defined for each of these contracts.

When using a contract account/business partner to pay, open items for all contract account partners or insurance objects, which refer to the paying account, are paid in one payment with the items for the paying contract account partner.

Grouping of items to be paid for each insurance object-partner relationship

The payment program groups the selected items into payable units (see the Grouping Selected Items function).

The extension of the grouping concept allows the payable units to be refined, according to the insurance-specific requirements.

Grouping is affected by the following specifications:

Account view category for contract account
Indicator for variable clearing for the contract account partner
Grouping variants that you have defined in the Implementation Guide

Based on this information, the grouping term is supplemented with the following criteria:

Insurance object-partner relationship from the item contract number
Insurance object-partner relationship from the supplementary item contract number

The account view category is used to decide whether grouping for the items to be paid is to take place using the insurance object-partner relationship, for the paying contract account.

If the "Individual view" account view category is defined for the contract account, item grouping takes places per insurance object. In this case, the grouping concept is extended to include the insurance object from the item to be paid.
If the "Collective view" account view category is specified for the contract account, grouping is not extended because the items for the contract account will be grouped using all insurance objects.

The insurance object-partner relationship from the supplementary insurance object (VTRE3) and the supplementary partner (VGPART3) for the item are supplemented as an additional grouping criterion, if the "Variable clearing" indicator is set for the contract account partner for the item. This indicator works together with a payment method, in which payment takes place by internal clearing, to derive the contract account for clearing from the supplementary contract reference and the supplementary business partner.
Including the supplementary contract reference and the supplementary business partner in the grouping term ensures that only those items, which are also to be cleared with the same contract account, are paid together. (See also the Payment by Contract Account Clearing function).

Extended Grouping

The grouping that can be controlled using the Customizing is always executed in addition to the standard grouping executed in the payment run, and is therefore called extended grouping. The corresponding settings in Customizing give you the option of excluding items from payment, according to criteria that you can specify.

The FS-CD-specific module for event 0600 evaluates the Customizing settings and controls the extended grouping for items, as well as the exclusion of certain items.

You can find more information about extended grouping in the Implementation Guide. Choose Start of the navigation path Collections/Disbursements Next navigation step Business Transactions Payments Incoming/Outgoing Payment Creation Extended Grouping End of the navigation path

Handling payment locks on insurance object-partner level.

You can define incoming and outgoing payment locks in the insurance object. Clearing locks are also included. When the lock is queried, the Due by date from the payment run parameters is used.

Whether the incoming or outgoing payment lock is queried is decided on the basis of the balance of the items to be paid together:

A balance of >0 means the incoming payment lock on the insurance object is checked.
A balance of <0 means the outgoing payment lock on the insurance object is checked.

If there is a cross-insurance-object grouping, for example, if the Collective view has been set for the contract account, the balance of the items for the same insurance object is formed and queried, as described above, to check the locks within the grouping.

Delimiting items that are collected/disbursed by brokers

Line items that are assigned to a broker and do not have a payment method on item level are paid by the payment program, if the items in Customizing are not assigned to any of the premium, commission, claim or cost categories.