Travel: data model

The entities, fields, enumerated values and relationships. The endpoints over them are in Travel: API, and the terms used throughout are defined in Insurance concepts.

Two entities. travelCoverage is the policy, carrying the trip shape and a separate monetary limit for each benefit it offers. traveller is a person covered by it, and one policy covers many.

erDiagram
    TRAVEL_COVERAGE {
        string policyNumber
        datetime inceptionDate
        datetime expiryDate
        enum status "policyStatus ref"
        float discountAmount
        float premiumRate
        float grossWrittenPremium
        float salesTax
        float brokeragePercentage
        float brokerageAmount
        enum premiumPaymentFrequency
        int indemnityLimitPolicy
        int indemnityLimitAccident
        string endorsementID
        datetime endorsementDate
        enum endorsementType
        bool isAnnualPolicy
        bool isGroup
        int length "trip days"
        int destination
        int numberOfDestination
        float tripCancellation
        float tripInterruption
        float travelDelay
        float baggageDamage
        float baggageDelay
        float emergencyMedical
        float emergencyDental
        float emergencyEvacuation
        float repatriationOfRemains
        float rentalCarCollision
    }
    TRAVELLER {
        string firstName
        string lastName
        enum salutation
        string nationality
        date dob
        enum idType
        string idNumber
    }

    TRAVEL_COVERAGE ||--|{ TRAVELLER : "covers"

Selected fields

Entity	Field	Type	What it means
TravelCoverage	isAnnualPolicy	Boolean	True for annual multi-trip, false for a single trip
TravelCoverage	isGroup	Boolean	Whether more than one traveller is covered
TravelCoverage	length	Number/integer	Trip days. On a single-trip policy this is the trip. On an annual policy it is the cap on any one trip
TravelCoverage	destination	Number/integer	Where the trip goes, as an integer code. What the code means is not declared. See below
TravelCoverage	numberOfDestination	Number/integer	How many destinations, for a multi-leg trip
TravelCoverage	tripCancellation	Number/Float	Paid when the trip is cancelled before departure
TravelCoverage	tripInterruption	Number/Float	Paid when a trip already under way is cut short
TravelCoverage	travelDelay	Number/Float	Paid when departure is delayed beyond a threshold
TravelCoverage	baggageDamage	Number/Float	Cap on lost or damaged baggage
TravelCoverage	baggageDelay	Number/Float	Paid for essentials bought while baggage is delayed. Separate from the damage limit
TravelCoverage	emergencyMedical	Number/Float	Cap on medical treatment abroad. Usually the largest limit on the policy
TravelCoverage	emergencyDental	Number/Float	Dental treatment, capped separately and far lower
TravelCoverage	emergencyEvacuation	Number/Float	Cap on moving the traveller to adequate treatment, which can mean an air ambulance
TravelCoverage	repatriationOfRemains	Number/Float	Cap on returning a body home
TravelCoverage	rentalCarCollision	Number/Float	Cap on damage to a hired vehicle, which overlaps with what a rental firm sells at the desk
Traveller	nationality	Text (ISO 3166-1 alpha-2)	Two-letter country code. Affects both visa exposure and medical cost
Traveller	dob	Date	Date of birth. Age drives medical exposure and is often what caps eligibility
Traveller	idType, idNumber	enum, Text	Identity document, usually the passport the trip is taken on

Every limit above applies independently. Exhausting baggage cover does not reduce medical cover.

What to watch

destination is an integer with nothing behind it. No enumeration is declared and nothing says what the number means. It is probably a country or region code. Agree the meaning with your counterparty rather than assuming, and do not assume ISO 3166 numeric.

The ten benefit-limit fields carry no declared type. They are typed here as Number/Float to match the other coverage modules. Treat them as monetary amounts in the policy currency.

traveller carries no address and no contact details. Travel cover normally needs an emergency contact and a document delivery address. Neither has a home here, so carry them as extension fields.