1C: KORP insurance company 8

Product "1C:Enterprise 8. The KORP insurance company 8" — the solution for complex control automation by business of insurance companies allowing to automate the main sections of managerial and regulated accounting.

As of August, 2018, in a product about 20 subsystems covering the most widespread types of activity of insurance companies are implemented.

Accounting

• reflection of requirements of the Bank of Russia for non-credit financial institutions;
• accounting on a unified plan of accounts;
• the flexible system of settings of compliances between a unified plan of accounts and the chart of accounts by order of N69n;
• automatic formation of personal accounts;
• reclassification of accounts;
• formation of standard accounting reports under a unified plan of accounts;
• charge of a premium to the insurance contract (joint insurance) entering and to outward reinsurance;
• charge of a commission fee according to insurance contracts (joint insurance) entering and outward reinsurance;
• charge of losses and returns according to insurance contracts (joint insurance);
• charge of a share of losses and returns in agreements of reinsurance;
• charge of insurance reserves;
• closing of month on accounts of insurance accounting.

Subsystem of accounting of the forms of the strict accounting (FSA)

• possibility of quantitative and number accounting of forms;
• accounting of forms by types and series;
• control of validity period and status of BSO;
• storage of BSO by MOL (responsible persons), the organizations, divisions, storage locations;
• accounting of operations with the order of BSO in printing house, to receipt of BSO on a warehouse, to relocation of BSO between divisions and materially responsible employees, issue of BSO to agents and return of BSO from agents;
• formation of acts of write-off and destruction of BSO, inventory reports BSO;
• formation of a register of BSO, BSO card, reports on a remaining balance and movements BSO.

Subsystem Accounting of agreements

Registration of insurance contracts

• input of necessary information on the signed agreement;
• possibility of the choice of version of the introduction of the agreement in force (from start date of responsibility, from a payment date, from the moment of the conclusion);
• accounting of information on the insurer (co-insureds in case of the agreement of joint insurance), agents, sellers;
• information input about the payment schedule, options of payment of the insurance contract;
• accounting of forms of the strict accounting, with check on existence and the status;
• information input about objects, risks, insurance sums, insurance premiums and other information;
• the indication of types and the amount of a franchize under the agreement.

Support of insurance contracts

• storage of all agreement revisions of insurance;
• setup of the reasons of change of insurance contracts. Automatic detection of availability of fields of the supplementary agreement depending on the change reason;
• setup of termination causes of agreements. Automatic calculation of the amount to return and to 'reversal' at agreement cancelation;
• automatic recalculation of payment schedules and the planned commission fee at change of an insurance premium;
• use of the statuses of agreements;
• automatic distribution of payments;
• error logging allowed at execution of the policy.

Subsystem Settlement of losses

• setup of the list of necessary documents on each product;
• registration of primary addresses, organization of work of call center;
• initial assessment of a loss;
• correction of assessment, after conducting examination;
• possibility of input of partial failures / payments on losses;
• scanning and attachment of electronic documents, photos to losses;
• installation of limits of payments for the staff of the company;
• formation of pay documents;
• formation of the magazine of losses.

Subsystem Commission Fees (CF)

• accounting of reports of the agent;
• automatic detection of the size of the added commission;
• automatic detection of the size of the commission to payment;
• different schemes of settlement with agents (independent deduction of agents QUARTER/transfer of KV after signing of the act of the commission);
• automatic filling of acts of the commission for fizizichesky and legal entities;
• integration into the "1C: Payroll and HR Management" system.

Subsystem Reinsurance

Inward reinsurance:

• accounting of obligatory and optional insurance contracts;
• loading setup bordero awards, losses and returns from files of a format MS Excel;
• conducting contributory reinsurance, reinsurance based on an excess of the amounts, an excess of losses and an excess of unprofitability;
• accounting of a cash loss;
• accounting of priorities and limits for ekstsedenty types of reinsurance;
• accounting of the minimum deposit award (MDA) for disproportionate types of insurance, recalculation of TIR on the end of validity;
• support of agreements of inward reinsurance;
• possibility of transfer of inward reinsurance to outgoing.

Outward reinsurance:

• accounting of obligatory and optional insurance contracts;
• conducting contributory reinsurance, reinsurance based on an excess of the amounts, an excess of losses and an excess of unprofitability;
• the flexible mechanism of setup of rules of transfer of agreements in obligatory reinsurance;
• restrictions on insurance object types, risks, types of insurance, currencies, insurance sums and awards, periods of signing of the contracts, etc.;
• automatic formation bordero awards, bordero losses, bordero rastorzheniye on the basis of current agreements of obligatory reinsurance;
• mechanism of support of agreements of optional reinsurance.

Subsystem Reserves

• calculation of Reserves: the reserve of not earned premium (RNEP), a reserve of the stated, not settled losses (RZNU), a reserve which occurred, but not claimed losses (Russian Party of People's Administration), but a stabilization reserve;
• possibility of calculation of reserves as on accounting groups, there and to accounting subgroups (additional accounting groups);
• flexible configuration of method of calculation of reserves (determination of base for calculation of RNP, RZNU, amount of the periods for calculation of the Russian Party of People's Administration);
• setup of communication of accounting groups with insurance risks and types of insurance;
• calculation of RNP by pro rata method, 1/8, 1/24;
• formation of report forms by calculation of reserves according to order 51H;
• loading of historical data on earlier calculated by the Russian Party of People's Administration ("triangles of losses");
• reflection of reserves in an accounting subsystem.

Subsystem Agency agreements

• registration of agency agreements with conditions of KV;
• creation of supplementary agreements according to agency agreements;
• creation of the temporary premium statuses under agreements, KV allowing to increase by any period to the agent;
• registration of powers of attorney and limits of signing of the contracts;
• use of the statuses of agreements;
• cancellation of agency agreements;
• group change of conditions of agency agreements;
• automatic detection and charge of the commission.

Subsystem Management reporting

• creation of any reports using the universal report and the console of requests;
• magazines of insurance contracts and losses (on the direct insurance entering and outward reinsurance);
• reports on the added and paid award;
• reports on the added and listed commission;
• reports on the planned and actually received money, formation of the register of agreements with overdue payments;
• reports on subrogation and regresses;
• reports on unpaid losses and returns;
• reports on terms of emergence, settlement and payment of losses.

Subsystem Loads

• possibility of accounting of general agreements, bordero to general agreements and policies (as within general agreements, and separately);
• loading setup bordero to general agreements;
• automatic formation of policies on the basis of loaded bordero;
• accounting of rates by routes, means of transport and types of transport;
• accounting of additions and exceptions;
• control of parameters of the policy (transportation term, routes, type of transport, rates) to the conditions stated in the general agreement.

Subsystem Mortgage insurance

• accounting of insurance premiums on proprietary insurance, a title and accidents;
• accounting of information on the borrower, pledger, bank, collateral and loan agreement;
• possibility of input of long-term agreements;
• charge of an insurance premium according to the diagram of charges;
• automatic calculation of an insurance premium depending on a sex, age of the insured persons and also from the region of insurance and existence of special programs;
• setup of structure of beneficiaries;
• control of existence insured in other insurance contracts;

Subsystem Accidents (A)

• accounting of shrink-wrapped software products (the fixed settings);
• accounting of banking and anderraytersky products (the fixed settings);
• accounting of collective agreements from accident;
• use of quotations of calculation;
• organization of interaction between the seller and underwriter;
• the calculator by calculation of cost.

Subsystem of the Going Abroad (GA)

• accounting of information on the programs insured in agreements VZR;
• the adjusted insurance rates allowing to calculate an award;
• loading of registers (Agreements) from the MS Excel, XML;
• the calculator by calculation of cost;
• bordero insured;
• reflection of interactions and settlement with Assistans;
• additional processes at settlement of losses: "Report of Assistans".

Subsystem Liability insurance

• insurance of both specific transactions, and activity in general;
• possibility of loading and maintaining the list of the insured persons;
• accounting of agreements by types of the enterprises;
• setup of calculation of insurance rates (calculator);
• possibility of predesign of insurance premiums.

Subsystem Proprietary insurance

• setup of calculation of insurance rates (calculator);
• possibility of predesign of insurance premiums;
• setup and accounting of shrink-wrapped software products;
• cumulation of agreements to the address of an object of insurance;
• accounting of the combined insurance contracts.

CMTPL subsystem

• use of the qualifier of RSA (Russian Association of Motor Insurers) by brands and models of vehicles;
• accounting of agreements, additional agreements, CMTPL rastorzheniye;
• creation of the insurance contract of vehicle fleet according to the CMTPL;
• automatic calculation of an award;
• printing of the policy and statement;
• request the coefficient bonus-malus (CBM) from RSA through web services;
• mandrel of information on policies in RSA;
• The Direct Payment of Losses (DPL) and integration with RSA;
• reporting of RSA.

Subsystem of KASKO

• accounting of information on vehicles, the beneficiaries allowed;
• accounting of agreements of the voluntary civil responsibility (VCR);
• the adjusted insurance rates allowing to calculate an award;
• the calculator by calculation of cost;
• possibility of accounting of insurance contracts of vehicle fleet;
• specialized processes at settlement of losses: "Direction on STOA", Results of STOA;
• use of the qualifier of NAMI for determination of market value of the CU.

Subsystem Accounting of agreements OSOPO

• automatic loading of the reference information from the website of NSSO through web services;
• the designer of input of dangerous objects (including hydraulic engineering constructions, gas station, elevators);
• automatic calculation of an award using the built-in calculator and using web services;
• accounting of BSO according to requirements of NSSO;
• automatic formation of the payment schedule according to requirements of NSSO;
• automatic recalculation of an insurance premium at change of conditions of insurance;
• loading bordero awards, losses, returns on the entering and outward reinsurance.

Subsystem Accounting of agreements OSGOP

• automatic authorization of numbers of forms;
• loading of the reference information from the website of NSSO through web services;
• generation of the QR code;
• accounting of types of transport, passenger traffic, parameters of vehicles (automobile, water, air, railway);
• control of insurance rates;
• automatic formation of payment schedules according to requirements of NSSO;
• loading bordero awards, losses, returns on the entering and outward reinsurance;
• formation of XML files under agreements and losses.

Subsystem Green card

• accounting of agreements, additional agreements, rastorzheniye of Green card;
• automatic calculation of an award;
• ZKASKO expansion;
• printing of policies and statements;
• loading of registers (agreements) from the MS Excel, XML;
• mandrel of information on policies in RSA;
• different options of settlement of losses (Seamless access in CK, CK Uregulirovshchik, Watch);
• necessary printed forms on losses (requests in the Russian Bureau "Green card", confirmation, the letter, etc.).^[1]

Notes