Reinstating policies

A reinstatement is a policy transaction that makes a canceled policy period effective again. Reinstatements can be thought of as undoing a policy cancellation.

When a policy is reinstated, the PAS sends a reinstatement billing request to BillingCenter, usually consisting of at least two primary attributes:
  • The effective date of the reinstatement
  • One or more charges, used to reinstate the billing requirements for the portion of the policy that was canceled

When the reinstatement takes place, the charges are sliced into invoice items and placed onto new invoices for the reinstated policy. If the account or policy’s delinquency plan specifies a reinstatement fee, the fee is applied as an additional charge.

For a full overview of reinstatements in BillingCenter, see the Application Guide.

Reinstate a policy

Reinstate a policy through Cloud API using the following endpoint:
  • POST /billing/v1/accounts/{accountId}/policies/{policyId}/policy-periods/{policyPeriodId}/reinstatements

The only required field is modificationDate, which is a string in the format YYYY-MM-DD. This is the date the reinstatement becomes effective.

Charges can be specified in the reinstatement using the charges field, which takes an array of charge objects. These charge objects have the same required fields as the charges for Issuing policies.

The modification date cannot be before the cancellation date. Note that if there is a gap between the cancellation date and the modification date, the policy is not effective during this period.

Example reinstatement

The following request reinstates a policy, including a charge:

Command

POST /billing/v1/accounts/bc:423/policies/bc:554/policy-periods/bc:55/reinstatements
Java

Request body

{
    "data": {
        "attributes": {
            "modificationDate": "2024-10-06",
            "charges": [
                {
                    "amount": {
                        "amount": "400.00",
                        "currency": "USD"
                    },
                    "chargePattern": {
                        "id": "default_data:1"
                    }
                }
            ]
        }
    }
}
Java

Response

The response contains the charges in the reinstatement billing instruction (if any), the updated policy period, and information about the reinstatement itself (such as the id and the modification date).

Optional fields for reinstatement

The reinstatement request body also includes fields that are present on other policy transactions. For example, there are fields for the policy period and fields related to the policy period, such as effectiveDate and primaryNamedInsuredContact.

Typically, it does not make business sense to include these fields when executing a policy reinstatement, as a reinstatement is intended to restore a policy to its pre-cancellation state.