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            Multiple Rating Procedures per Product or Multiple Specs at Any Level for repriceProduct

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            Multiple Rating Procedures per Product or Multiple Specs at Any Level for repriceProduct

            Format InsProductService:repriceProduct userInputs for products that use multiple rating procedures in the product hierarchy or multiple child specs in any level of the hierarchy.

            For example, a commercial product that uses unique rating procedures for Location, Building, and Infrastructure has multiple rating procedures in the product hierarchy.

            Note
            Note

            Products configured before Winter '23 release 240.22 can have multiple child specs in a given level of the hierarchy, no grandchild specs, and only one rating procedure at the root level. For these products, use the same userInputs format as you did in earlier releases. See One Rating Procedure per Product for repriceProduct.

            Diagram of a product structure with rating procedures at two insured item levels

            A Home Insurance product with more than one piece of art and jewelry insured at a given property has multiple child specs in a single level of the product hierarchy.

            Diagram of a product structure with two insured item specs at the lowest level of the hierarchy
            Note
            Note

            To rate products that use a single rating procedure per root product, you format input JSON differently. To prevent errors, run the service with only one type of userInputs format at a time. See One Rating Procedure per Product for repriceProduct.

            InsProductService: repriceProduct looks for a userInputs key in the input JSON. Products with ratings at the insured item level have one userInputs for each insured item instance, and one separate userInputs for the root instance and its coverages.

            In the unique userInputs with insured item-level details:

            • For the insured items related directly to the root product, set parentInstanceKey to the product code of the root product.

            • For lower-level insured items, set parentInstanceKey to the instanceKey value of the parent. For example, at a Location called 1 Market Street, there's a Building called Building 100. The parentInstanceKey value in userInputs for Building 100 is 1 Market Street ('parentInstanceKey' => '1 Market Street').

            • Set instanceKey to the instanceKey value of the insured item. For example, the instanceKey value in userInputs for "Building 100" is "Building 100" ('BUILDING.instanceKey' => 'Building 100').

            • Include the insured item instance's coverages.

            In the separate single userInputs with root-level details:

            • Set instanceKey to the root product's product code.

            • Include root-level coverages.

            For example, a Traveler Insurance product (TRAVEL_ROOT) covers a TRAVELER (Insured Party), LUGGAGE (Insured Item), and VALUABLES (Insured Item). The root product has accident coverage (TRAVEL_ACCIDENT), and the child products each have their own coverage (TRAVELER_HEALTH, LUGGAGE_LOSS and VALUABLES_THEFT).

            Sample Input JSON 
            {
'TRAVEL_ROOT.instanceKey' => 'TRAVEL_ROOT',
'parentInstanceKey' => '',
'TRAVEL_ACCIDENT.FaceAmount' => 3000
}

            userInputs for the root product specify the instanceKey TRAVEL_ROOT and the root-level TRAVEL_ACCIDENT coverage.

            		 
            {
'TRAVELER.persName' => 'John Smith',
'TRAVELER.persIncome' => 100000,
'TRAVELER.instanceKey' => John Smith',
'parentInstanceKey' => 'TRAVEL_ROOT',
'TRAVELER_HEALTH.CoInsurance' => 0.2
},

            userInputs for the child instance 'John Smith' specify the instanceKey 'John Smith', the parentInstanceKey TRAVEL_ROOT, and the child-level TRAVELER_HEALTH coverage.

            		 
            {
'LUGGAGE.valuableName' => 'Suitcase',
'LUGGAGE.valuableValue' => 400,
'LUGGAGE_LOSS.ded_limit_Limit' => 400,
'LUGGAGE.instanceKey' => 'Suitcase',
'parentInstanceKey' => 'John Smith'
},

            userInputs for the child instance 'Suitcase' specify the instanceKey 'Suitcase', the parentInstanceKey 'John Smith', and the child-level LUGGAGE_LOSS coverage.

            		 
            {
'VALUABLES.valuableName' => 'iPad',
'VALUABLES.valuableValue' => 600,
'VALUABLES_THEFT.ded_limit_Limit' => 400,
'VALUABLES.instanceKey' => 'iPad',
'parentInstanceKey' => 'John Smith'
}

            userInputs for child instance 'iPad' specify the instanceKey 'iPad', the parentInstanceKey 'John Smith', and the child-level VALUABLES_THEFT coverage.
            Diagram of a product structure with coverages at the root level and at multiple insured item levels
             
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