FA-63134 / Insurance premium rating / Member archive

Multi-policy discount stacking: Total discount cap is ignored · case 04

Stacked discounts exceed the maximum allowed discount.

Member previewVariant 4 · 3 implementations · 8 checks per implementation

Case contract

Input premium, discounts [[group, code, per mille]], cap per mille, min_premium. A code repeated within a group counts once at its largest value; codes within a group add; groups combine multiplicatively; the total discount 1-product is capped; net = premium*(1-d) rounded half-up, then floored at min_premium.

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 fixture

This sample comes from the broken implementation of a controlled reproducer.

Boundary fixture	Actual	Expected	Outcome
cap binds	`98523`	`120321`	Failed

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