public void SetHIR(BO.HomeProduct product, BO.HomeInsurancePolicy policy)
{
bool isAdded = false;
if (product.MaximumBuildingValue < policy.BuildingValue)
{
IsHIR = true;
HIRReason = "Building value exceeded the limit";
HIRStatus = 1;
isAdded = true;
}
if (product.MaximumContentValue < policy.ContentValue)
{
IsHIR = true;
HIRReason = HIRReason = isAdded ? HIRReason + ", " + "Content Value exceeded the limit" : "Content Value exceeded the limit";
HIRStatus = 1;
isAdded = true;
}
if (product.MaximumJewelleryValue < policy.JewelleryValue)
{
IsHIR = true;
HIRReason = HIRReason = isAdded ? HIRReason + ", " + "Jewellery Value exceeded the limit" : "Jewellery Value exceeded the limit";
HIRStatus = 1;
isAdded = true;
}
if (product.MaximumTotalValue < policy.BuildingValue + policy.ContentValue)
{
IsHIR = true;
HIRReason = HIRReason = isAdded ? ", " + "Total Value exceeded the limit" : "Total Value exceeded the limit";
HIRStatus = 1;
isAdded = true;
}
}
public decimal GetRenewalDelayedDaysAmount(BO.HomeInsurancePolicyDetails policy, BO.HomeProduct homeProduct, decimal netPremium)
{
decimal delayedDaysAmount = 0;
if (policy.HomeInsurancePolicy.RenewalDelayedDays > 0)
{
delayedDaysAmount = (netPremium * policy.HomeInsurancePolicy.RenewalDelayedDays) / 365;
}
return(delayedDaysAmount);
}
private void Calculate(BO.HomeInsurancePolicyDetails policy, BO.HomeProduct homeProduct)
{
//Calcuate the base premium.
BuildingPremium = homeProduct.Rate * policy.HomeInsurancePolicy.BuildingValue / 100;
ContentPremium = homeProduct.Rate * policy.HomeInsurancePolicy.ContentValue / 100;
//Premium = BuildingPremium + ContentPremium;
BaseBuildingContentRate = homeProduct.Rate;
//Calculate the riot premium.
if (policy.HomeInsurancePolicy.IsRiotStrikeDamage.ToString().ToLower() == "y")
{
BuildingRiot = homeProduct.RiotCoverRate * policy.HomeInsurancePolicy.BuildingValue / 100;
ContentRiot = homeProduct.RiotCoverRate * policy.HomeInsurancePolicy.ContentValue / 100;
JewelleryRiot = homeProduct.RiotCoverRate * policy.HomeInsurancePolicy.JewelleryValue / 100;
TotalRiot = BuildingRiot + ContentRiot;
if (TotalRiot <= homeProduct.RiotCoverMinAmount)
{
TotalRiot = homeProduct.RiotCoverMinAmount;
}
RiotRate = homeProduct.RiotCoverRate;
}
//Calculate the home domestic helper amount.
if (policy.HomeInsurancePolicy.NoOfDomesticWorker > 0 || policy.HomeDomesticHelpdt.Rows.Count > 0)
{
var domesticHelpers = policy.HomeDomesticHelpdt.Rows.Count;
DomesticHelperAmount = domesticHelpers > 0 ? (domesticHelpers - 1) * homeProduct.DomesticHelperAmount : 0;
}
//Calculate the jewellery amount.
var jCover = homeProduct.JewelleryCover.Find(x => x.KeyType == policy.HomeInsurancePolicy.JewelleryCover);
if (jCover != null)
{
JewellerAmount = jCover.Amount;
if (jCover.KeyType == "EXTREME")
{
JewellerAmount = jCover.Rate * policy.HomeInsurancePolicy.JewelleryValue / 100;
}
}
// TotalPremium = Math.Round(Premium + TotalRiot + DomesticHelperAmount + JewellerAmount, 3, MidpointRounding.AwayFromZero);
TotalBasicPremium = Math.Round(BuildingPremium + ContentPremium, 3, MidpointRounding.AwayFromZero);
TotalSRCCPremium = Math.Round(BuildingRiot + ContentRiot + JewelleryRiot, 3, MidpointRounding.AwayFromZero);
if (TotalBasicPremium <= homeProduct.MinimumPremium)
{
TotalBasicPremium = homeProduct.MinimumPremium;
}
TotalBasicPremium = TotalBasicPremium + DomesticHelperAmount + JewellerAmount;
TotalPremium = TotalBasicPremium + TotalSRCCPremium;
//Deduct the renewal delayed days amount from the premium.
if (policy.HomeInsurancePolicy.RenewalDelayedDays > 0)
{
var renewalDelayedAmount = GetRenewalDelayedDaysAmount(policy, homeProduct, BuildingPremium + ContentPremium + TotalRiot + DomesticHelperAmount + JewellerAmount);
TotalPremium = Math.Round(BuildingPremium + ContentPremium + TotalRiot + DomesticHelperAmount + JewellerAmount - renewalDelayedAmount, 3, MidpointRounding.AwayFromZero);
var renewalDelayedAmount1 = GetRenewalDelayedDaysAmount(policy, homeProduct, BuildingPremium + ContentPremium + DomesticHelperAmount + JewellerAmount);
TotalBasicPremium = Math.Round(BuildingPremium + ContentPremium + DomesticHelperAmount + JewellerAmount - renewalDelayedAmount1, 3, MidpointRounding.AwayFromZero);
var renewalDelayedAmount2 = GetRenewalDelayedDaysAmount(policy, homeProduct, BuildingRiot + ContentRiot);
TotalSRCCPremium = Math.Round(BuildingRiot + ContentRiot - renewalDelayedAmount2, 3, MidpointRounding.AwayFromZero);
}
PremiumBeforeDiscount = TotalPremium;
//Calculate the commission.
CommissionBeforeDiscount = GetCommision(policy.HomeInsurancePolicy, TotalBasicPremium, TotalSRCCPremium);
//If the user give the discount
if (!policy.HomeInsurancePolicy.UserChangedPremium)
{
PremiumAfterDiscount = PremiumBeforeDiscount;
CommissionAfterDiscount = CommissionBeforeDiscount;
}
else
{
PremiumAfterDiscount = policy.HomeInsurancePolicy.PremiumAfterDiscount;
CommissionAfterDiscount = policy.HomeInsurancePolicy.CommissionAfterDiscount;
}
//Calculate the VAT.
TaxOnBasicPremium = GetTax(TotalBasicPremium, homeProduct.TaxRate);
TaxOnSRCCPremium = GetTax(TotalSRCCPremium, homeProduct.TaxRate);
TaxOnPremiumBeforeDiscount = GetTax(PremiumBeforeDiscount, homeProduct.TaxRate);
TaxOnPremiumAfterDiscount = GetTax(PremiumAfterDiscount, homeProduct.TaxRate);
TaxOnCommissionBeforeDiscount = GetTax(CommissionBeforeDiscount, homeProduct.TaxRate);
TaxOnCommissionAfterDiscount = GetTax(CommissionAfterDiscount, homeProduct.TaxRate);
//Apply discount.
Discount = PremiumBeforeDiscount - PremiumAfterDiscount;
//Set HIR - building or content value exceeded the maximum value policy will move to HIR status admin need to approve.
SetHIR(homeProduct, policy.HomeInsurancePolicy);
}
public void CalculateCommission(BO.HomeProduct homeProduct, BO.HomeInsurancePolicy policy,
long homeID, string documentNo, string LinkID, int renewalCount)
{
try
{
int lineNo = 0;
if (homeProduct.Category != null && homeProduct.Category.Count > 0)
{
List <PolicyCategory> policyCategories = new List <PolicyCategory>();
foreach (var dr in homeProduct.Category)
{
lineNo++;
if (!policy.UserChangedPremium)
{
if (dr.ValueType == "Percent" && dr.Code == "BASICCOMM")
{
var policyCategory = new PolicyCategory();
policyCategory.Agency = dr.Agency;
policyCategory.AgentCode = dr.AgentCode;
policyCategory.Code = dr.Code;
policyCategory.Category = dr.Category;
policyCategory.CommissionBeforeDiscount = TotalBasicPremium * dr.Value / 100;
policyCategory.CommissionAfterDiscount = TotalBasicPremium * dr.Value / 100;
policyCategory.DocumentNo = documentNo;
policyCategory.EndorsementCount = 0;
policyCategory.EndorsementNo = string.Empty;
policyCategory.DocumentID = homeID;
policyCategory.LineNo = lineNo.ToString();
policyCategory.LinkID = LinkID;
policyCategory.PremiumAfterDiscount = TotalBasicPremium;
policyCategory.PremiumBeforeDiscount = TotalBasicPremium;
policyCategory.TaxOnCommissionBeforeDiscount = GetTax(policyCategory.CommissionBeforeDiscount, homeProduct.TaxRate);
policyCategory.TaxOnCommissionAfterDiscount = GetTax(policyCategory.CommissionAfterDiscount, homeProduct.TaxRate);
policyCategory.TaxOnPremiumBeforeDiscount = GetTax(TotalBasicPremium, homeProduct.TaxRate);
policyCategory.TaxOnPremiumAfterDiscount = GetTax(TotalBasicPremium, homeProduct.TaxRate);
policyCategory.Value = dr.Value;
policyCategory.ValueType = dr.ValueType;
policyCategory.IsDeductable = dr.IsDeductable;
policyCategory.RenewalCount = renewalCount;
policyCategory.HomeID = homeID;
policyCategories.Add(policyCategory);
}
if (dr.ValueType == "Percent" && dr.Code == "SRCCCOMM")
{
var policyCategory = new PolicyCategory();
policyCategory.Agency = dr.Agency;
policyCategory.AgentCode = dr.AgentCode;
policyCategory.Code = dr.Code;
policyCategory.Category = dr.Category;
policyCategory.CommissionBeforeDiscount = TotalSRCCPremium * dr.Value / 100;
policyCategory.CommissionAfterDiscount = TotalSRCCPremium * dr.Value / 100;
policyCategory.DocumentNo = documentNo;
policyCategory.EndorsementCount = 0;
policyCategory.EndorsementNo = string.Empty;
policyCategory.DocumentID = homeID;
policyCategory.LineNo = lineNo.ToString();
policyCategory.LinkID = LinkID;
policyCategory.PremiumAfterDiscount = TotalSRCCPremium;
policyCategory.PremiumBeforeDiscount = TotalSRCCPremium;
policyCategory.TaxOnCommissionBeforeDiscount = GetTax(policyCategory.CommissionBeforeDiscount, homeProduct.TaxRate);
policyCategory.TaxOnCommissionAfterDiscount = GetTax(policyCategory.CommissionAfterDiscount, homeProduct.TaxRate);
policyCategory.TaxOnPremiumBeforeDiscount = GetTax(TotalSRCCPremium, homeProduct.TaxRate);
policyCategory.TaxOnPremiumAfterDiscount = GetTax(TotalSRCCPremium, homeProduct.TaxRate);
policyCategory.Value = dr.Value;
policyCategory.ValueType = dr.ValueType;
policyCategory.IsDeductable = dr.IsDeductable;
policyCategory.RenewalCount = renewalCount;
policyCategory.HomeID = homeID;
policyCategories.Add(policyCategory);
}
if (dr.ValueType == "Percent" && dr.Code == "AGTCOMM")
{
var policyCategory = new PolicyCategory();
policyCategory.Agency = dr.Agency;
policyCategory.AgentCode = dr.AgentCode;
policyCategory.Code = dr.Code;
policyCategory.Category = dr.Category;
policyCategory.CommissionBeforeDiscount = TotalPremium * dr.Value / 100;
policyCategory.CommissionAfterDiscount = TotalPremium * dr.Value / 100;
policyCategory.DocumentNo = documentNo;
policyCategory.EndorsementCount = 0;
policyCategory.EndorsementNo = string.Empty;
policyCategory.DocumentID = homeID;
policyCategory.LineNo = lineNo.ToString();
policyCategory.LinkID = LinkID;
policyCategory.PremiumAfterDiscount = TotalPremium;
policyCategory.PremiumBeforeDiscount = TotalPremium;
policyCategory.TaxOnCommissionBeforeDiscount = GetTax(policyCategory.CommissionBeforeDiscount, homeProduct.TaxRate);
policyCategory.TaxOnCommissionAfterDiscount = GetTax(policyCategory.CommissionAfterDiscount, homeProduct.TaxRate);
policyCategory.TaxOnPremiumBeforeDiscount = GetTax(TotalPremium, homeProduct.TaxRate);
policyCategory.TaxOnPremiumAfterDiscount = GetTax(TotalPremium, homeProduct.TaxRate);
policyCategory.Value = dr.Value;
policyCategory.ValueType = dr.ValueType;
policyCategory.IsDeductable = dr.IsDeductable;
policyCategory.RenewalCount = renewalCount;
policyCategory.HomeID = homeID;
policyCategories.Add(policyCategory);
}
}
else
{
if (dr.ValueType == "Percent" && dr.Code == "BASICCOMM")
{
var policyCategory = new PolicyCategory();
policyCategory.Agency = dr.Agency;
policyCategory.AgentCode = dr.AgentCode;
policyCategory.Code = dr.Code;
policyCategory.Category = dr.Category;
policyCategory.CommissionBeforeDiscount = TotalBasicPremium * dr.Value / 100;
policyCategory.CommissionAfterDiscount = CommissionAfterDiscount;
policyCategory.DocumentNo = documentNo;
policyCategory.EndorsementCount = 0;
policyCategory.EndorsementNo = string.Empty;
policyCategory.DocumentID = homeID;
policyCategory.LineNo = lineNo.ToString();
policyCategory.LinkID = LinkID;
policyCategory.PremiumAfterDiscount = PremiumAfterDiscount;
policyCategory.PremiumBeforeDiscount = TotalBasicPremium;
policyCategory.TaxOnCommissionBeforeDiscount = GetTax(policyCategory.CommissionBeforeDiscount, homeProduct.TaxRate);
policyCategory.TaxOnCommissionAfterDiscount = GetTax(policyCategory.CommissionAfterDiscount, homeProduct.TaxRate);
policyCategory.TaxOnPremiumBeforeDiscount = GetTax(TotalBasicPremium, homeProduct.TaxRate);
policyCategory.TaxOnPremiumAfterDiscount = GetTax(PremiumAfterDiscount, homeProduct.TaxRate);
policyCategory.Value = dr.Value;
policyCategory.ValueType = dr.ValueType;
policyCategory.IsDeductable = dr.IsDeductable;
policyCategory.RenewalCount = renewalCount;
policyCategory.HomeID = homeID;
policyCategories.Add(policyCategory);
}
if (dr.ValueType == "Percent" && dr.Code == "SRCCCOMM")
{
var policyCategory = new PolicyCategory();
policyCategory.Agency = dr.Agency;
policyCategory.AgentCode = dr.AgentCode;
policyCategory.Code = dr.Code;
policyCategory.Category = dr.Category;
policyCategory.CommissionBeforeDiscount = TotalSRCCPremium * dr.Value / 100;
policyCategory.CommissionAfterDiscount = policy.IsRiotStrikeDamage.ToString().ToLower() == "y" ? CommissionAfterDiscount : 0;
policyCategory.DocumentNo = documentNo;
policyCategory.EndorsementCount = 0;
policyCategory.EndorsementNo = string.Empty;
policyCategory.DocumentID = homeID;
policyCategory.LineNo = lineNo.ToString();
policyCategory.LinkID = LinkID;
policyCategory.PremiumAfterDiscount = policy.IsRiotStrikeDamage.ToString().ToLower() == "y" ? PremiumAfterDiscount : 0;
policyCategory.PremiumBeforeDiscount = TotalSRCCPremium;
policyCategory.TaxOnCommissionBeforeDiscount = GetTax(policyCategory.CommissionBeforeDiscount, homeProduct.TaxRate);
policyCategory.TaxOnCommissionAfterDiscount = GetTax(policyCategory.CommissionAfterDiscount, homeProduct.TaxRate);
policyCategory.TaxOnPremiumBeforeDiscount = GetTax(TotalSRCCPremium, homeProduct.TaxRate);
policyCategory.TaxOnPremiumAfterDiscount = GetTax(PremiumAfterDiscount, homeProduct.TaxRate);
policyCategory.Value = dr.Value;
policyCategory.ValueType = dr.ValueType;
policyCategory.IsDeductable = dr.IsDeductable;
policyCategory.RenewalCount = renewalCount;
policyCategory.HomeID = homeID;
policyCategories.Add(policyCategory);
}
if (dr.ValueType == "Percent" && dr.Code == "AGTCOMM")
{
var policyCategory = new PolicyCategory();
policyCategory.Agency = dr.Agency;
policyCategory.AgentCode = dr.AgentCode;
policyCategory.Code = dr.Code;
policyCategory.Category = dr.Category;
policyCategory.CommissionBeforeDiscount = PremiumBeforeDiscount * dr.Value / 100;
policyCategory.CommissionAfterDiscount = PremiumAfterDiscount * dr.Value / 100;
policyCategory.DocumentNo = documentNo;
policyCategory.EndorsementCount = 0;
policyCategory.EndorsementNo = string.Empty;
policyCategory.DocumentID = homeID;
policyCategory.LineNo = lineNo.ToString();
policyCategory.LinkID = LinkID;
policyCategory.PremiumAfterDiscount = PremiumAfterDiscount;
policyCategory.PremiumBeforeDiscount = PremiumBeforeDiscount;
policyCategory.TaxOnCommissionBeforeDiscount = GetTax(policyCategory.CommissionBeforeDiscount, homeProduct.TaxRate);
policyCategory.TaxOnCommissionAfterDiscount = GetTax(policyCategory.CommissionAfterDiscount, homeProduct.TaxRate);
policyCategory.TaxOnPremiumBeforeDiscount = GetTax(PremiumBeforeDiscount, homeProduct.TaxRate);
policyCategory.TaxOnPremiumAfterDiscount = GetTax(PremiumAfterDiscount, homeProduct.TaxRate);
policyCategory.Value = dr.Value;
policyCategory.ValueType = dr.ValueType;
policyCategory.IsDeductable = dr.IsDeductable;
policyCategory.RenewalCount = renewalCount;
policyCategory.HomeID = homeID;
policyCategories.Add(policyCategory);
}
}
}
if (policy.UserChangedPremium)
{
var commissionDiscount = policy.CommissionAfterDiscount;
foreach (var pc in policyCategories)
{
if (pc.IsDeductable)
{
if (pc.CommissionBeforeDiscount < commissionDiscount)
{
pc.CommissionAfterDiscount = pc.CommissionBeforeDiscount;
pc.TaxOnCommissionAfterDiscount = GetTax(pc.CommissionBeforeDiscount, homeProduct.TaxRate);
commissionDiscount = commissionDiscount - pc.CommissionBeforeDiscount;
}
else
{
pc.CommissionAfterDiscount = commissionDiscount;
pc.TaxOnCommissionAfterDiscount = GetTax(commissionDiscount, homeProduct.TaxRate);
commissionDiscount = 0;
}
}
}
}
InsertCategory(policy, policyCategories);
}
}
catch (Exception ex)
{
throw ex;
}
}
