From f42afa9bd77f98c1ddcdf0a3f3e4ebdb97d24290 Mon Sep 17 00:00:00 2001
From: Reinhold Kainhofer <reinhold@kainhofer.com>
Date: Sun, 28 Nov 2021 16:58:27 +0100
Subject: [PATCH] Fix unit costs that are included in the gross premium
These unit costs should no longer be added after the gross premium
---
R/InsuranceTarif.R | 12 ++++++++----
1 file changed, 8 insertions(+), 4 deletions(-)
diff --git a/R/InsuranceTarif.R b/R/InsuranceTarif.R
index c7f5be8..222634d 100644
--- a/R/InsuranceTarif.R
+++ b/R/InsuranceTarif.R
@@ -1015,11 +1015,10 @@ InsuranceTarif = R6Class(
frequencyLoading = self$evaluateFrequencyLoading(loadings$premiumFrequencyLoading, params$ContractData$premiumFrequency, params = params, values = values)
premiumBeforeTax = (values$premiums[["unit.gross"]]*(1 + noMedicalExam.relative + extraChargeGrossPremium) + noMedicalExam - sumRebate - extraRebate) * sumInsured * (1 - advanceProfitParticipation);
- if (params$Features$unitcostsInGross) {
+ if (!params$Features$unitcostsInGross) {
premiumBeforeTax = premiumBeforeTax + premium.unitcosts;
}
premiumBeforeTax = premiumBeforeTax * (1 - premiumRebate - advanceProfitParticipationUnitCosts - partnerRebate);
- # TODO / FIXME: Add a check that frequencyLoading has an entry for the premiumFrequency -> Otherwise do not add any loading (currently NULL is returned, basically setting all premiums to NULL)
premiumBeforeTax.y = premiumBeforeTax * (1 + frequencyLoading);
premiumBeforeTax = premiumBeforeTax.y / params$ContractData$premiumFrequency;
values$premiums[["written_yearly"]] = premiumBeforeTax.y * (1 + tax)
@@ -1329,8 +1328,13 @@ InsuranceTarif = R6Class(
# unit costs
unitCosts = premiums[["unitcost"]];
# unit costs are only charged if a premium is paid, so exclude all times with premium==0!
- afterUnitCosts = afterProfit + (afterProfit != 0)*unitCosts;
- unitcosts = afterUnitCosts - afterProfit;
+ if (!params$Features$unitcostsInGross) {
+ afterUnitCosts = afterProfit + (afterProfit != 0)*unitCosts;
+ unitcosts = afterUnitCosts - afterProfit;
+ } else {
+ afterUnitCosts = afterProfit;
+ unitcosts = 0;
+ }
# advance profit participation, Part 2:
advanceProfitParticipationUnitCosts = 0;
--
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