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Background documentationDisplay of Benefit Values with Surrender or Partial Surrender

 

In a capital-forming life insurance, the policyholder can have the surrender value of the insurance paid out in full or partially. To support the clerk processing a claim bundle in the category of Multiple Contract Handling, the benefit values for the incident types Surrender and Partial Surrender are calculated automatically. On the basis of the benefit values displayed, the clerk can then decide whether a surrender or partial surrender is possible for this policyholder before creating the corresponding claim.

Prerequisites

Business Functions

You have activated the Business Function Insurance Claim Multiple Contract Handling.

Customizing

  • In Customizing activity Define Derivation Rules for Contract Validity Date, you have configured the relevant claim types for surrender and partial surrender so that the contract validity date is determined on the basis of the claim/loss date (path in Customizing: Start of the navigation path Claims Management Next navigation step Claim Next navigation step Settings for Scenario 'Claim Without Product Customizing' Next navigation step Interface to Policy System Next navigation step Interface to FS-PM Next navigation step Benefit Processing Profiles Next navigation step Define Derivation Rules for Contract Validity Date End of the navigation path).

  • In Customizing activity Configure Internal Claim Types, the internal claim type must be assigned to either claim category General (for Surrender) or to claim category Partial Surrender (path in Customizing: Start of the navigation path Claims Management Next navigation step Claim Next navigation step Settings for Scenario 'Claim Without Product Customizing' Next navigation step Process Control (Claim Types) Next navigation step Configure Internal Claim Types End of the navigation path).

  • You have performed Customizing activity Define Withdrawal Sequence for Benefit Values (path in Customizing: Start of the navigation path Claims Management Next navigation step Claim Next navigation step Settings for Scenario 'Claim Without Product Customizing' Next navigation step Process Control (Claim Types) Next navigation step Configure Internal Claim Types End of the navigation path).

Automatic Contract Selection for Surrender and Partial Surrender

You can configure the system so that certain contracts are selected automatically (see Automatic Selection of Contracts).

If you want to use this for surrender and partial surrender, implement a corresponding trigger and, in Customizing activity Define Trigger for Automatic Selection of Contracts and Coverages, assign the incident type Surrender or Partial Surrender and a corresponding coverage type to this trigger. The system then calculates the benefit values for all contracts selected automatically.

Claim Bundle Processing

You are processing a claim bundle in the category of Multiple Contract Handling on the Contract Overview screen.

Integration

To calculate the benefit values, SAP Claims Management calls the SAP Policy Management (FS-PM) system. This call is done by a Remote Function Call (using the Business Add-In BADI_ICLE_MC).

Activities

Create Claim for Surrender

  1. On the Contract Overview tab page, select the corresponding contract and choose Incident Type (Incident Type).

  2. In the Incident Type and Coverages dialog box, choose the incident type Surrender.

    The system determines the benefit value from FS-PM (see “Integration” above) and displays this in the dialog box. The benefit value cannot be changed.

  3. Choose Continue.

    • If the calculated benefit values are greater than 0, the system displays the new columns Withdrawal Amount, Benefit Value and Currency with the corresponding values on the Contract Overview tab page.

    • If the calculated benefit values are 0, the system UI remains unchanged, meaning that no new columns are displayed.

  4. Save the claim bundle.

    The system automatically creates a claim for surrender.

Create Claim for Partial Surrender

  1. On the Contract Overview tab page, select the corresponding contract and choose Incident Type (Incident Type).

  2. In the Incident Type and Coverages dialog box, choose the incident type Surrender.

    The system calls FS-PM and displays the following fields in the dialog box:

    • Calculated benefit value (value cannot be changed)

    • Withdrawal value

      Enter the required withdrawal value for the partial surrender.

    • Withdrawal sequence

      Use the input help to choose the required withdrawal sequence.

  3. Choose Continue.

    The system displays the calculated benefit value, the withdrawal amount, and the currency in the contract overview.

  4. Save the claim bundle.

    The system automatically creates a claim for partial surrender and copies the values specified in step 2 for the withdrawal amount and withdrawal sequence into the claim.

    Once the claim has been created, the following applies:

    • You can no longer change the withdrawal amount and withdrawal sequence in the claim bundle.

    • If you change the withdrawal amount and withdrawal sequence in the claim, these changes are not transferred to the claim bundle.