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 Loan Offset Posting for CML Loan


As of SAP Policy Management 5.3, you can use an interface to SAP Loans Management (FS-CML) to manage policy loans in SAP Policy Management (FS-PM). In SAP Claims Management (FS-CM), this has the following effect on claims based on a contract with a policy loan: If contract reengineering is performed for such a claim, FS-CM automatically creates an internal payment to offset the currently open loan balance. This payment is not a payout to the policyholder, but an internal offset that ensures that the insurer's books are always balanced.

As soon as you save the claim, this internal payment leads to a posting in SAP Collections and Disbursements (FS-CD).

Caution Caution

This adjustment in SAP Claims Management is available as of SAP enhancement package 7 for SAP ERP 6.0, SP08. Note the following: If you use SAP Policy Management (FS-PM) as your policy management system, the minimum release that you must use is SAP Policy Management 5.3.

End of the caution.

Technical Details

Technical Name of Product Feature


Product Feature Is


Country Dependence

Valid for all countries

Software Component Version

Insurance 617

Application Component

FS-CM (Claims Management)

Available From

SAP enhancement package 7 for SAP ERP 6.0, SP08

Required Business Functions


Effects on Existing Data

In FS-CM, the following information is saved in database table ICL_LOAN_HDR for a claim on a contract with a policy loan:

  • Whether the policy loan is stored in FS-CML (new function as of FS-PM 6.3) or in FS-PM (old function prior to FS-PM 5.3)

  • ID of policy loan

  • Business partner number of main borrower