FA-62893 / Insurance premium rating / Member archive
Deductible credit interpolation: Credits are extrapolated past the largest deductible · case 03
Very large deductibles receive credits beyond the largest filed credit.
Case contract
Input premium, deductible and table [[deductible, credit per mille]] ascending (credits may be negative surcharges). Deductibles at or below the first row take its credit, at or above the last row take the last credit (no extrapolation), otherwise interpolate linearly. Credit cents = floor(prem*c/1000+1/2). Negative deductible or empty table -> 'invalid'. Return [credit, premium-credit].
Why this case matters
Premium rating engines apply ordered tabular rules where one misplaced boundary or step silently misprices policies.
One recorded failure
Sample boundary fixtureThis sample comes from the broken implementation of a controlled reproducer.
| Boundary fixture | Actual | Expected | Outcome |
|---|---|---|---|
| beyond largest tabulated deductible | [32356, 82869] | [24543, 90682] | Failed |
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