Graph-based policy refresh
During the FNOL process, ClaimCenter makes a copy of the relevant policy and stores it in ClaimCenter. For most claims, this policy copy remains as is for the life of the claim.
However, it is possible for the initial copy of the policy to have issues. For example, suppose you have a claim for collision damage done to a Ford Fiesta. The policy erroneously does not have the collision coverage for the vehicle. When the claim is created, the erroneous policy is copied to ClaimCenter. It is then discovered that the relevant coverage is missing from the policy. The policy is corrected, but the copy of the policy in ClaimCenter still lacks the coverage.
In situations like this, insurers may choose to implement functionality for policy refresh. This is the process of recopying a policy for an existing claim.Policy refresh and the IPolicySearchAdapter
The IPolicySearchAdapter
has two methods relevant to
policy refresh:
-
retrievePolicyFromPolicy
- This retrieves a new copy of the policy from the existing policy copy. This is used for situations where ClaimCenter does not need to execute a search for the policy a second time. -
retrievePolicySummaryFromPolicy
- This retrieves a PolicySummary from the PAS that corresponds to the existing policy, which can then be used to recopy the policy. This is used for situations where ClaimCenter does need to execute a search for the policy a second time.
For more information on the difference between these two methods, see the Plugins, Prebuilt Integrations, and SOAP APIs.
The IPolicySearchAdapter
also has a
plugin parameter named useGraphBasedPolicyRetrieveForRefresh
.
This parameter identifies whether your instance makes use of graph-based
retrieval for policy refresh.
-
If your instance uses graphs during policy refresh for at least some policy types, set this to
true
. -
If your instance uses graphs for policy retrieval, but never for policy refresh, set this to
false
.
retrievePolicySummaryFromPolicy
method must be done using
traditional policy retrieval approaches.Policy refresh scenarios (without search)
For policy refresh situations that do not involve an additional search in the PAS, there are several different scenarios.
1: The traditional scenario (graphs are never used)
In this scenario, policy retrieval and refresh use traditional approaches only.
In this scenario:
-
Only the
IPolicySearchAdapter
plugin is relevant. -
The
useGraphBasedPolicyRetrieveForRefresh
plugin parameter value is irrelevant
When policy refresh is initiated, ClaimCenter calls the
IPolicySearchAdapter
plugin and executes the
retrievePolicyFromPolicy
and/or
retrievePolicySummaryFromPolicy
methods as needed.
This is depicted in the following diagram.
2: Graphs are used for policy retrieval, but never for refresh
In this scenario:
-
All three plugins are relevant
-
The
useGraphBasedPolicyRetrieveForRefresh
plugin parameter is set to false.
To execute the refresh, ClaimCenter first checks the value of the
useGraphBasedPolicyRetrieveForRefresh
plugin parameter. It sees
that it is set to false. Therefore, it calls the
IPolicySearchAdapter
plugin's
retrievePolicyFromPolicy
method, which calls the
IFallbackPolicySearchPlugin
plugin's
retrievePolicyFromPolicy
method.
ICloudRetrievePolicyPlugin
is
relevant for policy retrieval, but not policy refresh.)3: Graphs are used for refresh some or all of the time
In this scenario:
-
All three plugins are relevant
-
The
useGraphBasedPolicyRetrieveForRefresh
plugin parameter is set to true.
When policy refresh is initiated, ClaimCenter checks the value of the
useGraphBasedPolicyRetrieveForRefresh
plugin parameter. It sees
that it is set to true. Then, to determine whether or not to use graph-based
retrieval for the given policy type, ClaimCenter calls the
ICloudRetrievePolicyPlugin
plugin's
shouldUseGraphRetrieveForPolicyType
method. This method returns
false or true.
Scenario 3A: The given policy type does not make use of graphs
If the shouldUseGraphRetrieveForPolicyType
method returns
false, ClaimCenter falls back to the traditional policy refresh approach by calling
the IFallbackPolicySearchPlugin
plugin's
retrievePolicyFromPolicy
method.
This is depicted in the following diagram.
Scenario 3B: The given policy type makes use of graphs
If the shouldUseGraphRetrieveForPolicyType
method returns
true, ClaimCenter calls the ICloudRetrievePolicyPlugin
plugin's
convertPolicyToSummary
method, which takes a Policy and returns
a PolicySummary. It then calls getPolicyGraph
to re-retrieve the
policy.
This is depicted in the following diagram.
Policy refresh scenarios (with search)
For policy refresh situations that do involve an additional search in the PAS, there is one additional scenario.
4: Policy refresh that requires a second policy search
In this scenario:
-
The
IPolicySearchAdapter
plugin andIFallbackPolicySearchPlugin
plugin are relevant. -
The
useGraphBasedPolicyRetrieveForRefresh
plugin parameter value is irrelevant
When policy refresh is initiated, ClaimCenter calls the
IPolicySearchAdapter
plugin and executes the
retrievePolicySummaryFromPolicy
method. This always calls the
IFallbackPolicySearchPlugin
plugin's
retrievePolicySummaryFromPolicy
method.
This is depicted in the following diagram.