Person Level Delinquency Process Creation

A new batch named C1-PRDLQ is introduced in this release. It is used to create a delinquency process for a person when its overdue bills do not meet the tolerance limit. This batch considers the persons which meet the following conditions:

• Collection method of the collection class to which the person belongs is set to Self-Control Delinquency

• Next credit review date is either not derived for the person or is earlier than or equal to the batch business date

• Postpone credit review until date is either not defined for the person or is earlier than or equal to the batch business date

• The date derived using the last credit review date + minimum credit review frequency (defined in the delinquency control) is either blank or is earlier than or equal to the batch business date

Once the list of persons are derived, the system executes the delinquency monitor rule algorithm which is attached to the delinquency control of the respective person's collection class. If the system is not able to derive the delinquency monitor rule algorithm for a person, an appropriate error message is shown in the batch run tree. If the system is able to derive the delinquency monitor rule algorithm for a person and if the new delinquency process is successfully created for a person or if an existing delinquency process is updated for a person, this batch sets the last credit review date of the person in the CI_​PER table to the processing date.

For more information on how the C1-DLNQMNRL algorithm (attached to the delinquency control) derives the overdue bills, refer to the Delinquency Control section.

This batch is a multi-threaded batch. The multi-threading is based on person ID and chunks for multi-threading are created based on numerical distribution of person ID. This batch contains the following parameters:

If a new delinquency process is successfully created for a person, the status of the delinquency process is set to the value (for example, Initiated) specified in the Delinquency Process Initiated Status attribute of the delinquency process preference. Note that the system considers the preference which is specified in the Delinquency Process Field Mapping option type of the DELINPROC feature configuration. For more information about the feature configuration, see DELINPROC Feature Configuration.

The system then invokes the C1-DPEVTCR algorithm which is attached to the Initiated status. The C1-DPEVTCR algorithm creates a delinquency event of each delinquency event type that is added in the delinquency process type using which the delinquency process is created. If the delinquency event trigger mode is set to Manual in the delinquency process type, the status of the delinquency event is set to Pending. However, if the delinquency event trigger mode is set to Automatic or Manual or Automatic in the delinquency process type, the status of the delinquency event is set to Pending Evaluation.

Once the delinquency events are created for the delinquency process, this algorithm does the following:

• Sets the delinquency due date of the delinquency process to the latest bill due date

• Derives the grace period from the delinquency process type or using an algorithm attached to the Grace Period Derivation system event depending on the grace period source which is specified in the delinquency process type

• Sets the grace start date in the following manner:

• Calculates the grace end date in the following manner:

Once a delinquency process is created for a person, you can perform the following actions on the delinquency process from the user interface:

• Add additional information in the form of comments or characteristics

• Manually hold a delinquency process and edit the hold details (if required)

• Manually release a hold on the delinquency process

• Manually cancel a delinquency process

• Edit the trigger date of the delinquency events in the delinquency process

• Trigger or skip the delinquency events in the delinquency process

• Request to reinstate the delinquency process (only applicable for the fully insured group business)

For more information about the manual actions, see Delinquency Process Maintenance. The system also enables you to do the following:

• Automatically hold a delinquency process when the certain conditions are met

• Automatically release a hold on the delinquency process when the certain conditions are met

• Automatically cancel a delinquency process when the certain conditions are met

• Automatically resume a cancelled delinquency process when the certain conditions are met

• Automatically reinstate a delinquency process when the certain conditions are met (only applicable for the fully insured group business)

To enable the automatic process for the above actions, you need to accordingly configure the delinquency process type. The system also enables you to optionally configure the approval process for various manual actions that you can perform on the delinquency event or delinquency process. For more information, see Delinquency Process Approval.

A delinquency event and process goes through various statuses in its lifecycle. The delinquency process status also accordingly changes when the policies or individual memberships billed to the person are terminated or reinstated.