public PremiumViewModel calculatePremium(PremiumViewModel model)
{
PremiumItem prem;
//Base Premium
int famComp = 0;
switch (model.PlanType)
{
case "Family Floater":
famComp = getFamilyComposition(model);
break;
case "Individual":
famComp = (model.Gender == "Male") ? cSelf : (cSelf * 2);
break;
}
string chronic = "Non Chronic";
if (model.ProductName == "Platinum" && model.PlanType != "Family Floater")
{
if (model.Diabetes)
{
chronic = "Diabetic";
}
else if (model.Hypertension)
{
chronic = "Hypertension";
}
else if (model.Hyperlipidaemia)
{
chronic = "Hyperlipidaemia";
}
else if (model.Asthma)
{
chronic = "Asthma";
}
}
int deductible = model.Deductible;
if (chronic != "Non Chronic")
{
deductible = 0;
}
int term = model.Term;
int thisterm = term;
int noOffBase = 0;
//Base Premium Loop
PremiumCalc pmc = new PremiumCalc {
name = "Base Premium", LoadingFactor = 1m, DiscountFactor = 1m, RelativesFactor = 1m, TotalFactor = 1m
};
model.Premiums.Add(pmc);
for (int age = model.Age; age < (term + model.Age); age++)
{
noOffBase++;
prem = getPremiumRecord(model.ProductName, model.PlanName, model.PlanType, famComp, chronic,
model.SumInsured, deductible, age, thisterm, "Base Premium " + thisterm);
if (prem != null)
{
pmc.BasePremium += prem.Amount;
pmc.premiumItems.Add(prem);
}
thisterm++;
}
pmc.NetAmount = pmc.BasePremium;
//Premium Loading
/*Co-Morbitity Load */
decimal coMorbitLoading = 0m;
if (model.ProductName == "Platinum" && model.PlanType != "Family Floater")
{
if (model.Diabetes)
{
coMorbitLoading = (model.Hypertension && model.Hyperlipidaemia && model.Asthma) ? 7050m : coMorbitLoading;
coMorbitLoading = (model.Hypertension && model.Hyperlipidaemia && !model.Asthma) ? 5150m : coMorbitLoading;
coMorbitLoading = (model.Hypertension && !model.Hyperlipidaemia && model.Asthma) ? 2780m : coMorbitLoading;
coMorbitLoading = (!model.Hypertension && model.Hyperlipidaemia && model.Asthma) ? 550m : coMorbitLoading;
coMorbitLoading = (model.Hypertension && !model.Hyperlipidaemia && !model.Asthma) ? 1050m : coMorbitLoading;
coMorbitLoading = (!model.Hypertension && !model.Hyperlipidaemia && model.Asthma) ? 1400m : coMorbitLoading;
coMorbitLoading = (!model.Hypertension && model.Hyperlipidaemia && !model.Asthma) ? 3600m : coMorbitLoading;
}
else if (model.Hypertension)
{
coMorbitLoading = (model.Hyperlipidaemia && model.Asthma) ? 5250m : coMorbitLoading;
coMorbitLoading = (model.Hyperlipidaemia && !model.Asthma) ? 3350m : coMorbitLoading;
coMorbitLoading = (!model.Hyperlipidaemia && model.Asthma) ? 1150m : coMorbitLoading;
}
else if (model.Hyperlipidaemia)
{
coMorbitLoading = (model.Asthma) ? 5650m : coMorbitLoading;
}
}
if (coMorbitLoading > 0m)
{
//pmc.LoadingPerc += coMorbitLoading;
//pmc.LoadingFactor *= (1m + coMorbitLoading);
decimal loadAmount = coMorbitLoading * model.Term;
pmc.NetAmount = pmc.BasePremium + (loadAmount);
pmc.Info += string.Format("\nCo-Morbitity Loading " + loadAmount);
}
//Premium Waiver on co-pay for Essential
if (model.PremiumWaiver && model.PlanName == "Essential")
{
pmc.LoadingFactor *= (1m + 0.25m);
//pmc.LoadingPerc += 0.25m;
pmc.Info += "\nPremium Waiver Loading 25%|";
}
//pmc.LoadingAmount = pmc.NetAmount * (1m - pmc.LoadingPerc);
//pmc.NetAmount = pmc.NetAmount * pmc.LoadingAmount;
// pmc.NetAmount = pmc.BasePremium;
/*Discounts*/
//Term Discount
if (noOffBase > 1)
{
pmc.Info += "\n" + noOffBase + " year term|";
if (noOffBase == 2)
{
pmc.DiscountFactor *= (1m - 0.075m);
pmc.Info += "\nTerm discount 7.5%|";
}
if (noOffBase == 3)
{
pmc.DiscountFactor *= (1m - 0.10m);
pmc.Info += "\nTerm discount 10%|";
}
}
//Staff Discount
if (model.Staff)
{
pmc.DiscountFactor *= (1m - 0.10m);
pmc.Info += "\nStaff discount 10%|";
}
//pmc.DiscountAmount = pmc.NetAmount * (1m - pmc.DiscountPerc);
//pmc.NetAmount = pmc.NetAmount * pmc.DiscountPerc;
/* Relatives */
//Zone
if (model.Zone > 1)
{
if (model.Zone == 2)
{
pmc.RelativesFactor *= (1m - 0.10m);
pmc.Info += "\nZone Relative 10%|";
}
if (model.Zone == 3)
{
pmc.RelativesFactor *= (1m - 0.25m);
pmc.Info += "\nZone Relative 25%|";
}
}
//Room Type
if (model.RoomType != 1)
{
//Not Single
if (model.PlanName == "Essential")
{
if (model.RoomType == 2)//Shared
{
pmc.RelativesFactor *= (1m - 0.10m);
pmc.Info += "\nRoomType Relative 10%|";
}
if (model.RoomType == 3)//General/Economy
{
pmc.RelativesFactor *= (1m - 0.20m);
pmc.Info += "\nRoomType Relative 20%|";
}
}
if (model.PlanName == "Enhanced")
{
if (model.RoomType == 2 || model.RoomType == 3)//Shared or General/Economy
{
pmc.RelativesFactor *= (1m - 0.10m);
pmc.Info += "\nRoomType Relative 10%|";
}
if (model.RoomType == 4)//any room
{
pmc.RelativesFactor *= (1m + 0.25m);
pmc.Info += "\nRoomType Loading Relative +25%|";
}
}
}
pmc.TotalFactor = pmc.LoadingFactor * pmc.DiscountFactor * pmc.RelativesFactor;
pmc.NetAmount = pmc.NetAmount * pmc.TotalFactor;
//pmc.RelativesAmount = pmc.NetAmount * (1m - pmc.RelativesPerc);
//pmc.NetAmount = pmc.NetAmount * pmc.RelativesPerc;
//Hospital Cash
if (model.HospitalCash > 0)
{
pmc = new PremiumCalc {
name = "Hospital Daily Cash"
};
model.Premiums.Add(pmc);
famComp = (model.Gender == "Male") ? cSelf : (cSelf * 2);
for (int age = model.Age; age < (model.Term + model.Age); age++)
{
prem = getPremiumRecord("Optional Benefit: Hospital Daily Cash Benefit", "HospCash",
"Optional", famComp, "",
model.HospitalCash, 0, age, model.Term, "Hospital Daily Cash");
if (prem != null)
{
pmc.BasePremium += prem.Amount;
pmc.premiumItems.Add(prem);
}
}
pmc.NetAmount = pmc.BasePremium;
}
//OPD
if (model.OPD > 0)
{
pmc = new PremiumCalc {
name = "OPD Expenses"
};
model.Premiums.Add(pmc);
prem = getPremiumRecord("Optional Benefit : OPD Expenses", "OPD",
"Optional", cSelf, "",
model.OPD, 0, 0, model.Term, "OPD Expenses");
if (prem != null)
{
pmc.NetAmount = prem.Amount * model.Term; //Multiply by Term
pmc.BasePremium = prem.Amount;
pmc.premiumItems.Add(prem);
}
}
//Maternity
if (model.Maternity)
{
pmc = new PremiumCalc {
name = "Maternity Expenses"
};
model.Premiums.Add(pmc);
for (int age = model.Age; age < (model.Term + model.Age); age++)
{
prem = getPremiumRecord("Optional Benefit: Maternity Expenses", "Maternity",
"Optional", (cSelf * 2), "",
0, 0, age, model.Term, "Maternity Expenses");
if (prem != null)
{
pmc.BasePremium += (prem.Amount / 3);
pmc.NetAmount = pmc.BasePremium;
pmc.premiumItems.Add(prem);
}
}
/*
* if (prem != null)
* {
* pmc.BasePremium = prem.Amount;
* //Maternity has a 3 Year Premium
* pmc.NetAmount = (pmc.BasePremium / 3) * noOffBase;
* pmc.premiumItems.Add(prem);
* }
*/
}
//Add a Total Row
PremiumCalc totPrem = new PremiumCalc {
name = "Total"
};
foreach (PremiumCalc pmc1 in model.Premiums)
{
totPrem.NetAmount += pmc1.NetAmount;
totPrem.BasePremium += pmc1.BasePremium;
/*totPrem.DiscountPerc += pmc1.DiscountPerc;
* totPrem.DiscountAmount += pmc1.DiscountAmount;
* totPrem.RelativesPerc += pmc1.RelativesPerc;
* totPrem.RelativesAmount += pmc1.RelativesAmount;
* totPrem.LoadingPerc += pmc1.LoadingPerc;
* totPrem.LoadingAmount += pmc1.LoadingAmount;*/
totPrem.LoadingFactor = (pmc1.LoadingFactor > totPrem.LoadingFactor) ? pmc1.LoadingFactor : totPrem.LoadingFactor;
totPrem.DiscountFactor = (pmc1.DiscountFactor > totPrem.DiscountFactor) ? pmc1.DiscountFactor : totPrem.DiscountFactor;
totPrem.RelativesFactor = (pmc1.RelativesFactor > totPrem.RelativesFactor) ? pmc1.RelativesFactor : totPrem.RelativesFactor;
totPrem.TotalFactor = (pmc1.TotalFactor > totPrem.TotalFactor) ? pmc1.TotalFactor : totPrem.TotalFactor;
totPrem.Info += pmc1.Info;
}
model.Premiums.Add(totPrem);
return(model);
}
public void btnSubmit_Click(object sender, EventArgs e)
{
PremiumCalc cal = new PremiumCalc();
}
