09.Insurance
Overview
The user (pricing manager of Kazunion tour operator) receives different insurance terms from insurance suppliers and registers them as programs. Then insurance packages are created based on programs and are available for agents to sell alongside with full packages.
The user (a selling agent of Kazunion) may sell insurance as an additional service when booking includes only tours.
The insurance module allows you to choose between different insurance/additional supplements and have the authority to sell specific insurance to selected tourists individually.
This functionality is available only for Nugioscore Kazunion only for the moment.
Primary Users
Reservation department, System Administrator
Navigation Path
Nugioscore/Sales/Insurance
Business Description
Programs
Features and Functionalities
The received different insurance terms from insurance suppliers are registered as programs in the system. Then insurance packages are created based on programs and are available for agents to sell alongside with full packages.
This is a space where the user is allowed to create/edit the insurance programs. The detailed information about programs is registered using the button Add/Edit Program.
When a program is added/edited, it is saved as a draft. There are three types of status of the records, and toolbar elements for these kinds of records may be different as per status :
- Draft records- color is green and can be authorized or deleted
- Approved records - color is black and can be deauthorized only
- Deleted records - color grey, can only be undeleted
The page where the Programs Tab is located is divided into two Grids. The Programs tab is in the Upper Grind. The Grid Below, Program Details include tabs as Prices, Age Conditions, Group Conditions and Risks, shows/allows to add detailed information about a particular insurance program. Accordingly, the information in the grid below changes according to the programs selected in the upper grid.
Buttons Description
| Grid Options | A detailed description see here: Grid Options | ||||||||||||||||||||||||||
| Filter Options | A detailed description see here: Filter Options | ||||||||||||||||||||||||||
| Refresh | A detailed description see here: Refresh | ||||||||||||||||||||||||||
| Add/Edit | This section allows to user to register/edit received different insurance terms from insurance suppliers and create the Programs. If any of the mandatory fields stay empty during the registration process, the notification comes out: Please Fill in the Information. If a user enters incorrect information type, the system shows a text directly in the field: Incorrect Information. Note: The Edit button is always active/visible only when the record has a "Draft" status.
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| Delete/Undelete | |||||||||||||||||||||||||||
| Authorize/Deauthorize | This feature is available to some specific users only who have been granted special permission to authorize/deauthorize the created insurance program and its terms in the NugiosCore system.
After Authorization Programs/Insurance are active/published. It is important to mention that it is impossible to Authorize/Activate Programs without prices attached. When the program is authorized in the Insurance tab and in the Published column, it has the status "Yes" but if you deauthorize the program, in the Insurance tab and in the Published column, it gets the status "No". | ||||||||||||||||||||||||||
| Export to Excel | A detailed description see here: Export to Excel |
Grid Columns Description
| Name | Description | Database Name |
| Program name (zone) | The name of the insurance program to be used to identify in the system. | |
| Departure Country | The country that will be the insurance coverage area. | |
| Departure City | The City from which the tourist begins the trip. | |
| Arrival Country | The country of destination. | |
| Supplier | The insurance company name that provides the insurance service to the Company. | |
| Insurance Type | It shows whether the insurance is Medical or Non-departure. | |
| Coverage Amount | The total insurance value is defined by the Supplier and is applicable to this specific program only. | |
| Transportation & Repatriation | The value of coverage amount of transportation and repatriation, which may be required during the insurance coverage period. | |
| Deductible | The value of coverage amount of transportation and repatriation, which may be required during the insurance coverage period. It shows how much is deductible from the total coverage amount. | |
| Status | It shows the status whether it is authorized or not. |
Program Details
The page where the Programs Tab is located is divided into two Grids. The Programs tab is in the Upper Grind.
The Grid Below, Program Details includes Prices, Age Conditions, Group Conditions, and Risks tabs, shows/allows to add detailed information about a particular insurance Program. Accordingly, the information in the grid below changes according to the programs selected in the upper grid.
Prices
Features and Functionalities
To fill in the information about insurance Program Prices, a Kazunion manager chooses Program Tab in the Upper Grid ➝Prices Tab in the Grid below and press the Add/Edit button.
Note 1: After Program creation, the first price added should match the program's Insurance type. It should be impossible to attach different insurance type prices without having a mandatory price with the same insurance type as in the program attached.
Note 2: The prices are critical components in the insurance creation process. Without prices attached, managers won't be able to authorize/activate programs; consequently, they won't be able to create Insurance itself.
Buttons Description
| Grid Options | A detailed description see here: Grid Options | ||||||||||||||||||||||
| Filter Options | A detailed description see here: Filter Options | ||||||||||||||||||||||
| Refresh | A detailed description see here: Refresh | ||||||||||||||||||||||
| Add/Edit | This section is used to fill in the information about insurance Program Prices. The pricing terms are different as per the provided conditions by the insurance agent. They vary per day, per pax, per stay, per group. The registration or correction of the particular Program's prices is possible only by using the Prices Add/Edit buttons. If any of the fields above marked as mandatory stay empty during the registration process, a particular field/fields change the border color into red and show the text directly in the field: Please fill in the Information. If a user enters incorrect information type for any fields listed above, the incorrect record field changes the border color to red and shows a text directly in the field: Incorrect Information.
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| Delete/Undelete | |||||||||||||||||||||||
| Export to Excel | A detailed description see here: Export to Excel |
Grid Columns Description
| Name | Description | Database Name |
| Insurance Type | It shows the insurance type, whether it is Medical or Non-departure. | |
| Days from | The number of insured days, the field indicates the start date of the validity period of Insured days. | |
| Days to | Number of insured days: the field indicates the end date of the validity period of Insured days. | |
| Price% | Cost% - This field shows the markup amount of the age supplements in % Selling Price% - This field shows the Markup amount in %. | |
| Cost | It shows the cost amount of the insurance program and the currency this cost amount is displayed in the system. | |
| Price | It displays the pricing of the insurance program in amount instead of %. | |
| Selling Price% | It displays the insurance selling price in % and currency; it must be displayed in the system. | |
| Selling Price | It displays the insurance selling price in amount and currency; it must be displayed in the system. | |
| Final Price | The price is calculated by a system as per specific conditions: The Final Price shall be equal to the Selling Price value or to the calculated value of Selling Price % and shall be read only for the users. | |
| Per | It shows the price condition, whether it is: Per Pax- payment of insurance per pax Per day- payment of insurance per day Per Stay- payment of insurance per stay Per Group- payment of insurance per group | |
| Status | It shows whether it is authorized or not. |
Age Conditions
This is the section where the insurance manager adds/edits Age Conditions.
Age Conditions should be attached to programs, but programs could be created even without having them; they are optional.
When added/edited, Age Conditions are saved as Drafts. They also could be:
1. Deleted/Undeleted manually ;
2. Activated/saved as Drafts alongside programs automatically.
Note: If any of the fields of the form are marked as mandatory and stay empty during the registration process, a particular field/fields change border color into red and show the text directly in the field: Please Fill in the Information.
If a user enters incorrect information type for any fields of this form, change the border color to red and show a text directly in the field: Incorrect Information.
The pricing manager is able to insert both positive and negative values in the cost and selling price fields. If the value is negative, it means that an appropriate discount is offered on Age Conditions.
Features and Functionalities
Buttons Description
| Grid Options | A detailed description see here: Grid Options | ||||||||||||||||||||||||||
| Filter Options | A detailed description see here: Filter Options | ||||||||||||||||||||||||||
| Refresh | A detailed description see here: Refresh | ||||||||||||||||||||||||||
| Add/Edit | The registration or correction of the particular Program's Age Supplements is possible only in the Age Supplements Tab.
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| Delete/Undelete | |||||||||||||||||||||||||||
| Export to Excel | A detailed description see here: Export to Excel |
Grid Columns Description
| Name | Description | Database Name |
| Insurance Type | It shows the insurance type, whether it is Medical or Non-departure. | |
| Age from | The initial age the Insurance/program may start applying from. | |
| Age to | The maximum age the Insurance/program may stop applying to. | |
| Is an infant | It is marked by the user only if it is applicable. | |
| Deductible | An amount that is not covered by the supplier and is the cost of the tourist. | |
| Cost | This field shows the markup amount of the age supplements and currency; this cost amount must be displayed in the system. | |
| Selling price | This field shows the Markup amount (calculated from the Selling price- Prices Tab) of the age supplement and the currency it must be displayed in the system. | |
| Code | This field refers to the codes provided by insurance suppliers. | |
| Status | It shows whether it is authorized or not. |
Group Conditions
Features and Functionalities
To fill in the information about the insurance Program's Group Discounts, a Kazunion manager should choose the Program Tab and press the Add/Edit buttons.
Group Discounts should be attached to programs, but programs could be created even without having them; they should be optional.
If any of the fields above marked as mandatory stay empty during the registration process, a particular field/fields should change border color into red and show the text directly in the field: Please Fill in the Information.
If a user enters incorrect information type for any fields listed above, the incorrect record field should change border color to red and show a text directly in the field: Incorrect Information.
When added/edited, Group Discounts are saved as Drafts. They also could be:
1. Deleted/Undeleted manually,
2. Activated/saved as Draft alongside programs automatically.
The pricing manager is able to insert both positive and negative values in the cost and selling price fields. If the value is negative, it means that an appropriate discount is offered on Group Conditions.
Buttons Description
| Grid Options | A detailed description see here: Grid Options | ||||||||||||||||||
| Filter Options | A detailed description see here: Filter Options | ||||||||||||||||||
| Refresh | A detailed description see here: Refresh | ||||||||||||||||||
| Add/Edit |
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| Delete/Undelete | |||||||||||||||||||
| Export to Excel | A detailed description see here: Export to Excel |
Grid Columns Description
| Name | Description | Database Name |
| Insurance Type | It shows the insurance type, whether it is Medical or Non-departure. | |
| Group from | The group number from which the group discount is applied. | |
| Group to | The group number up to which the group discount is applied. | |
| Cost | It shows the cost amount of the group condition and the currency this cost amount is displayed in the system. | |
| Selling Price | It displays the insurance selling price in amount and currency; it must be displayed in the system. | |
| Code | This field refers to the codes provided by insurance suppliers. | |
| Status | It shows whether it is authorized or not. |
Risks
Features and Functionalities
This section is used to fill in the information about the Insurance Program's Risks.
If any of the fields above marked as mandatory stay empty during the registration process, a particular field/fields should change border color into red and show the text directly in the field: Please Fill in the Information.
If a user enters incorrect information type for any fields listed above ➝ for every incorrect record field border color should change to red and show a text directly in the field: Incorrect Information.
Note: Added risks should be attached to programs, but programs could be created even without having them; they should be optional.
Buttons Description
| Grid Options | A detailed description see here: Grid Options. | ||||||||||||||||||
| Filter Options | A detailed description see here: Filter Options. | ||||||||||||||||||
| Refresh | A detailed description see here: Refresh. | ||||||||||||||||||
| Add/Edit | The registration or correction of the particular Risks is possible only in the Risks Tab.
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| Delete/Undelete | |||||||||||||||||||
| Export to Excel | A detailed description see here: Export to Excel |
Grid Columns Description
| Name | Description | Database Name |
| Insurance type | It shows the insurance type, whether it is Medical or Non-departure. | |
| Name | Name of risks covered by the insurance. | |
| Coverage | It shows the maximum age the Insurance/program may stop applying to | |
| Cost | It shows the program cost amount and currency. This cost amount is displayed in the system. | |
| Selling Price | It displays the program selling price in amount and currency; it must be displayed in the system. | |
| Code | The codes provided by insurance suppliers | |
| Status | It shows whether it is authorized or not. |
Insurances
Features and Functionalities
Kazunion agents sell insurance as an additional product while booking tours. Till today, insurance type, price, coverage amount and currency are fixed.
A pricing manager (from nugioscore.kazunion) registers/adds prices, programs, and insurances in order to record insurance conditions provided by suppliers and create a competitive insurance package to sell.
In order to create Insurance in the Insurance Module, a pricing manager presses the Add/Edit Insurance button, fills in the form with the information provided by the suppliers, and saves it, The Insurance record is saved as Draft. To activate the insurance record a manager should authorize the draft.
Insurance will be sold only as a component of the whole package.
It is important to mention that a Kazunion manager won't be able to add Insurance without a Program attached. As soon as Insurance becomes authorized, it becomes available for usage and it will be impossible to Authorize/Activate Programs without prices attached (see Insurance Creation Flow).
When the Kazunion agent starts the booking process, specific parameters are sent to the NugiosCore to be reviewed (Integration with Kazunion -->Parameters from Kazunion to receive Insurance Data). When NugioScore receives specific parameters from the Kazunion web, it assesses them and calculate the best/most suitable price for the booking.
After the best price calculation, NugiosCore sends it back to the Kazunion web and the information is displayed in the same pop-up window as it is today.
After the booking process, the whole information (reservation) is entered in NugiosCore reservation forms, where it is handled by the reservation managers and accountant coordinators accordingly.
After the reservation will be evaluated and approved sold Insurance will be activated.
It is important to note that:
- Insurance will not be created without a program attached;
- When a program is deauthorized ➝ the Insurance (using the particular program) should be deauthorized as well. Consequently, deauthorized insurance should be authorized manually to be active again.
Buttons Description
| Grid Options | A detailed description see here: Grid Options | ||||||||||||||||||||||||||||||||||||||
| Filter Options | A detailed description see here: Filter Options | ||||||||||||||||||||||||||||||||||||||
| Refresh | A detailed description see here: Refresh | ||||||||||||||||||||||||||||||||||||||
| Add/Edit | Creation/Correction of an Insurance is possible through using the Insurance Tab ➝Add/Edit Insurance buttons.
Note: When the insurance and Add/Edit Insurance pop-up is open (after pressing Add/Edit Insurance button), after choosing the specific program (in the Insurance Zone field), the following fields must be filled automatically from the program grid: Country, Coverage (medical) according to insurance type.
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| Delete/Undelete | Needs info This feature allows the user to cancel the deletion process and restore deleted records into the system. | ||||||||||||||||||||||||||||||||||||||
| Authorize/Deauthorize | This feature is available to some specific users only who have been granted special permission to authorize/deauthorize the created insurance program and its terms in the NugiosCore system.
After Authorization Programs/Insurance should be active/published. It is important to mention that it is impossible to Authorize/Activate Programs without prices attached. | ||||||||||||||||||||||||||||||||||||||
| Export to Excel | A detailed description see here: Export to Excel |
Grid Columns Description
| Name | Description | Database Name |
| Insurance Name in Latin | The name of the program in Latin it will be identified in the system. | |
| Insurance Zone | It is the same as he name of the program to be identified in the system | |
| Country | The country which will be insurance coverage area. | |
| Insurance Type | It includes the type of insurance: Medical or Non-departure | |
| Coverage Amount | It shows the total insurance value defined by the supplier and applicable to this specific program only. | |
| Territory | Needs info | |
| Start Date | It displays the date when the insurance coverage becomes effective. | |
| End Date | It displays the date when the insurance coverage expires. | |
| Only for Citizens of | It specifies the country whose citizens are eligible to apply to this insurance program. | |
| Excluding Citizens of | It specifies the country whose citizens are not eligible to apply for this insurance program. | |
| Tourist Age up to | It indicates that the upper age limit for the eligible tourists selected insurance program can be applied to | |
| Days before the Start of the Tour | It indicates the number of days before the tour’s start date when the insurance policy was purchased. | |
| A Commission is Given to a Partner | It indicates the status of whether a commission has been granted to the partner (True or False). | |
| Permission to Select a Tourist | It indicates whether the user has the right to select a tourist (True or False). | |
| Exclude Infants | It indicates whether infants are excluded from the policy or program (True or False) | |
| Additional Risks | It specifies any extra risks or coverages included beyond the standard insurance policy | |
| Published | It indicates whether the insurance has been published and is currently effective (True or False) | |
| Status | It indicates whether the insurance program is approved (Authorized) or still in process (Draft). |
Technical Description
Architecture Overview
The Client Balance module has the following architecture:
Code Link
Frontend:
Backend:
Project: RustarOnline.WebApi
Databases and Tables
| Database Type | Database Name | Table Name* | Table Description* |
Data Types of Tables
| Field Name | Display Name | Field Type | Short Description |
Log Details
The log files are stored in a designated location: https://elkalyzer.nugios.services/app/discover
Additional
References
| Cross-references | N/A |
| Related modules | NewRF, Insurance Types, Users, Currency |
| Media library | N/A |
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