FA-63312 / Insurance premium rating / Member archive

Renewal rate capping transition: Lapses do not reset capping history · case 02

A reinstated policy after a lapse is capped against its old premium.

Member previewVariant 2 · 3 implementations · 7 checks per implementation

Case contract

Input prior premium (0 = new business), up/down caps per mille, years [[indicated or None for a lapse, coverage_changed]]. A lapse outputs None and the next year is new business. New business or coverage changes charge the indicated premium; otherwise charge the indicated premium clamped to [prev*(1-down), prev*(1+up)] with bounds rounded half-up, where prev is last year's charged premium.

Why this case matters

Transition caps limit renewal disruption and must chain from what was actually charged.

One recorded failure

Sample boundary fixture

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

Boundary fixture	Actual	Expected	Outcome
lapse restarts as new business	`[81917, null, 91747]`	`[81917, null, 245751]`	Failed

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