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Claims, remittances and reports

Follow insurance claims in Hayat Insurance from intimation through documents pending, under review, approved or rejected to settled, with the survey, encrypted notes, photos and an SMS to the client; remit premium to insurers net of commission as a Purchasing bill and pay it; bill agent and sub-agent commissions; record commission from insurers on direct-billed policies; the insurer statement, the six reports, the Hayat Reports datasets, account codes and what posts where.

Claims

Open Claims and press + Intimate claim (or intimate it from the policy). You need ins.claims.

Field	Fill
Policy	Type in Find policy
Loss date	Must fall within the policy's cover
Intimated on	When the client told you (today by default)
Estimate	The estimated loss
Location	Where it happened
What happened	The loss description — kept encrypted

The claim gets a number (ICM-…) and starts as Intimated. Add the Insurer claim no. when the insurer gives one.

Survey records the Surveyor, the Survey date and the survey Report (encrypted).

Status. The buttons on the claim show only the next steps allowed:

From	Can go to
Intimated	Documents pending, Under review, Withdrawn
Documents pending	Under review, Withdrawn
Under review	Documents pending, Approved (with the Approved amount), Rejected (with a Reason), Withdrawn
Approved	Settled (with the Settled amount, Settled on date and Settlement ref.), or back to Under review
Rejected	Under review

Settled and Withdrawn are final. Each change can carry a Note. With SMS the client about this change ticked (and the setting on), the client gets a text; the client also sees the claim's status on their policy page.

Notes & history keeps every note, status change, survey and notification, with who and when. Notes are encrypted. Add photos and claim forms with + Document.

The Claims list has a tab per status, and the policy page lists its claims.

Remittances to insurers

When you collect the premium (Agency collects), you owe the insurer the premium, tax and stamp duty less your commission. Open Remittances to insurers:

Choose the Insurer and Dues up to a date. The preview lists the dues not yet remitted — with Remit to insurers only premium collected on, only those the client has paid — and any refunds, which reduce the total. It shows the premium, your commission and the net you owe.
Choose the Bill date, add Notes and press Create bill for …. Hayat makes one Purchasing bill to the insurer (IRM-…, supplier INS-…), net of commission, with no withholding.
Pay the remittance: Method (Bank or Cash), Reference, Date. It becomes a Purchasing supplier payment, so your payment approval rules apply; you can also pay the bill from the Purchasing screens.

Opening an insurer shows its statement: premium collected but not remitted, invoiced but not yet collected, remitted, commission kept and — for direct billing — commission receivable, with every remittance.

Agent commissions

Agent commissions lists every commission row: policy, premium paid, basis, %, amount, Pending or Billed. Choose an Agent and Bill rows up to a date, then Bill agent …: Hayat makes one Purchasing bill to the agent (supplier AGT-…) for the pending rows — only rows whose premium is paid when Bill agent commission only when the premium is paid is on; refunds (negative rows) always. Withholding tax follows Purchasing; pay the bill in Purchasing. Needs ins.manage.

Commission receipts

For direct-billed policies (Insurer collects) the insurer pays you your commission. Open Commission receipts, pick the insurer and Receive: Amount (up to what is outstanding), Method, Reference, Date. Hayat records it (ICR-…) and spreads it over that insurer's policies, oldest first. Needs ins.manage.

Reports

Open Insurance reports, choose the report, Group by where offered, Insurer, From / To (the last 12 months by default) and press Run. CSV downloads it for Excel.

Report	Shows
Production	Policies issued by insurer, product, agent or month: policies, cancelled, premium, tax, total, refunds, commission, agent commission
Renewals due	Policies ending within the days you choose (30 by default): client, phone, insurer, product, end, days left, premium, reminded, renewal started
Claims ratio	By insurer or product: premium, claims, settled, open estimates and the claims ratio % with and without open claims
Commission receivable	Per insurer: your commission in premium not yet remitted, direct-billed commission, received and outstanding
Remittance due	Per insurer: collected and not yet collected premium owed, oldest due
Agent commissions	Per agent: lines, earned, overrides, pending, billed

Hayat Reports (see Hayat Reports) has two Hayat Insurance datasets for your own charts and dashboards — one row per issued policy (premium, tax, commission, refunds, sum insured…) and one row per claim (estimate, approved, settled, days to settle) — for anyone with ins.view.

Account codes

Hayat Insurance adds these accounts to your chart the first time it needs them. Each can be pointed to another account under Account codes in Insurance settings (ins.manage).

Code	Account	Kind	Used for
1180	Commission Receivable from Insurers	Asset	Commission on direct-billed policies, until the insurer pays
2420	Premiums Payable to Insurers	Liability	Premium, tax and stamp duty collected for insurers, less commission
4740	Insurance Commission Income	Income	Your commission
4745	Policy & Service Fees	Income	Policy fees
6720	Agent & Sub-agent Commission	Expense	Commission billed by agents

What posts where

Event	Accounts
Premium due invoiced (agency collects)	Sales invoice Dr Receivable / Cr Sales; then Dr Sales / Cr Premiums payable 2420 (premium + tax + stamp − commission), Cr Commission income 4740, Cr Policy fees 4745
Premium received	Dr Cash / bank / wallet / Cr Receivable (Sales receipt)
Remittance billed	Dr Premiums payable 2420 / Cr Accounts payable (Purchasing bill)
Remittance paid	Dr Accounts payable / Cr Bank or cash (Purchasing payment)
Refund (endorsement or cancellation)	Sales credit note; Dr Premiums payable 2420 (refund − commission back), Dr Commission income 4740 (commission back) / Cr Sales
Policy issued (insurer collects)	Dr Commission receivable 1180 / Cr Commission income 4740
Commission received from insurer	Dr Cash / bank / Cr Commission receivable 1180
Agent commission billed	Dr Agent commission 6720 / Cr Accounts payable

Example: invoicing due 1 of the motor policy in Issue a policy: Dr Receivable 57,150 / Cr Sales 57,150; then Dr Sales 57,150 / Cr Premiums payable 46,900 / Cr Commission income 9,750 / Cr Policy fees 500. Remitting both dues once paid: a bill of 46,900 + 46,800 = 93,700.

Document numbers: ICL client, IQT quote, IPO policy, IEN endorsement, ICM claim, IRM remittance, ICR commission receipt; the Sales (SI, RV, SCN) and Purchasing (PB, PV) numbers as usual.