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Insurance Information Bureau of India (IIB )

Life Insurance Data Dictionary

Insurance Information Bureau of India (IIB), 1st Floor, Plot No. 38/39, Financial District, Nanakramguda, Gachibowli, Hyderabad - 500 032. Contact No: +91-40-2300 9700.

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Introduction

Insurance Information Bureau of India (IIB) has been promoted by IRDA as a sector-level insurance

data repository and analytics body. The Bureau generates insightful research outputs on areas of

crucial importance to the industry.

In the process of constituting the Life Insurance Database, a long process of consultation and

coordination was done by IIB with all stakeholders viz. Insurers and the Life Insurance Council. The

process was consummated through a meeting of senior functionaries of all life insurers wherein the

approach to the subject has been agreed upon.

In culmination of the above efforts, IRDA has issued Circular No. dtd. 19th November, 2014 Ref.:

IRDA/SDD/MISC/CIR/228/11/2014 for submission of policy data by Life Insurers to IIB. The above

Circular also refers to Data Dictionary for description/explanation of the terms used.

We are now presenting in the ensuing pages, the Life Data Dictionary for the easy submission of

data by the life insurers.

This Data Dictionary provides guidance to insurers for submission of Life Insurance data in

accordance with the above Circular. The Data Dictionary attempts to create common standards,

uniform understanding and a consistent and correct interpretation of all data terms. The data fields

to be submitted have been carefully selected based on developments in more mature, liberalized

markets and keeping in mind the Analytics needs of the Industry.

It is therefore of crucial importance that life insurers devote sufficient resources and attention to

ensure that the data submitted to IIB is both complete and accurate.

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Guidelines

1. Frequency of Reporting

a) Insurers are required to submit data pertaining to all their existing policies (both inforce

and exits including deaths) as specified in the relevant data fields in the Dictionary. In the

first step, data is required to be submitted for four Record Years viz. 2010-11, 2011-12,

2012-13 & 2013-14.

b) Going forward, the data shall be submitted on a half-yearly basis.

2. 1 Policies Covered

a) All individual life insurance policies including individual pension/annuity policies are

covered in this exercise.

2.2 Policies Excluded from the investigation:

b) Group policies

c) Rider policies

d) Health Policies (as the Life Insurers are already submitting this data separately to the

Health Vertical at IIB).

d) Joint Life policies

3. Mapping of Options in the Data Fields

The Data Dictionary provides Masters for options/codes under relevant data fields in the

annexure towards the end of the document.

It is possible that the options/codes in the insurer's Data Manual are at variance with the list

provided herein. In case of such variance, a suitable mapping needs to be done by the insurer

to match their list of codes with the given list in consultation with IIB. Such mapping needs to

be done with great caution to ensure that no errors are committed in the process.

4. Data Submission:

a) Data shall be submitted by life insurers online on the https://lifeapp.iib.gov.in portal. Secure

login credentials shall be provided to each insurer by IIB shortly.

b) Data shall be submitted only in .csv format.

5. A separate guidance will soon be issued on other IT matters pertaining to submission of data.

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Data Dictionary:

Sr. No.

Field heading Field Type

Field Size

Data Dictionary Reference

Data Field description

1 CompanyNumber Text 3 LF001 Registration Number allotted by IRDA to the Insurer. Please refer Annexure A (Company Number Master)

2 ServicingOfficeCode Text 8 LF002 Servicing Office Code refers the code allotted to the servicing office by the insurer.

3 ServicingOfficePinCode Numeric 6 LF003 Pin Code of the location of Servicing Office

4 DateOfBirth Date 10 LF004 Date of Birth of the Life Assured. To be shown as YYYY/MM/DD.

5 ClientPincode Numeric 6 LF005 Pin Code of the Proposer/Life Assured's location.

6 AgeProof Text 2 LF006 Please refer Annexure B (Age Proof codes master)

7 Gender Text 1 LF007 Please use the following codes: M - Male F - Female T - Transgender/Others

8 SmokerStatus Text 1 LF008 Smoker Status as declared at the time of inception of Policy. Y if Smoker, N if Non-Smoker and X if details not available.

9 AnnualIncome Numeric 10 LF009 Annual income of the Proposer in Rupees Thousand.

10 Occupation Text 2 LF010 Please refer Annexure C (Occupation codes master)

11 EducationalQualification Numeric 1 LF011 Please refer Annexure D (Educational Qualification codes master)

12 CitizenshipStatus Text 2 LF012 Please refer Annexure E (Citizenship Status codes master)

13 PolicyNumber Text 15 LF013 Self-explanatory

14 Recordyear Text 7 LF014 Record year is the Financial Year pertaining to which policy data is submitted. Insurers need to provide information for all the policies a) in force (including fully paid up) as at the end of the record year b) in reduced/partially paid up condition as at the end of the record year, and c) exiting during the record year. To be shown as YYYY-YY, for eg. 2010-11

15 ProductUIN Text 12 LF015 Please give the "File and Use" Product Code issued by IRDA

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Sr. No.

Field heading Field Type

Field Size

Data Dictionary Reference

Data Field description

16 ProductCode Text 2 LF016 Please refer Annexure F (Product codes master)

17 SubClassCodes Boolean 1 LF017 Profit participation status of the Policy. Please use the codes given below: Y if participating, else N

18 RuralUrban Text 1 LF018 Please use the following codes: R for Rural policy U for Urban Policy

19 Deathbenefitpayableatthe beginningoftheyear

Numeric 11 LF019 Refers to the Basic amount assured payable in rupees on death of the Life Assured as on 1st April of the record year, including any reinsurance amount ceded and excluding any additional benefits such as in-built accident benefit/rider benefit. In case multiple of Sum Assured is payable on death, the amount shall be Basic Sum Assured multiplied by the multiplier.

20 Deathbenefitpayableatthe endoftheyear

Numeric 11 LF020 Refers to the Basic amount assured payable in rupees on death of the Life Assured as on 31st March of the record year, including any reinsurance amount ceded and excluding any additional benefits such as in-built accident benefit/rider benefit. In case multiple of Sum Assured is payable on death, the amount shall be Basic Sum Assured multiplied by the multiplier.

21 DistributionChannel Text 2 LF021 Please refer Annexure G (Distribution Channel codes master)

22 PremiumPaymentfrequency Numeric 2 LF022 Please refer Annexure H (Premium Payment Frequency codes master)

23 InstalmentPremium Numeric 10 LF023 Please mention the Instalment Premium amount payable in rupees under the Policy on each Due Date (excluding service tax). For eg. If policy is under quarterly mode, then mention the premium amount payable on the due date falling at the beginning of each quarter.

24 MedicalTypeCode Text 1 LF024 Please refer Annexure I (Medical Type codes master)

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Sr. No.

Field heading Field Type

Field Size

Data Dictionary Reference

Data Field description

25 StandardNonstandard Boolean 1 LF025 Y if Standard Life, else N Y - Lives accepted for coverage with Company's standard terms and conditions and have no extra loading in premium. N - Lives accepted with extra premium as a result of extra mortality ratings. May please be noted that only extras imposed for medical reasons ought to be considered for this purpose.

26 ExtraMortalityRating Percentage

Numeric 3 LF026 If life is non-standard (N under Data Field #25), refer EMR as a percentage. Please refer foot note for explanation*.

27 DateOfCommencementOf Policy

Date 10 LF027 Refers to the date on which policy has commenced. To be shown as YYYY/MM/DD.

28 DateOfRiskCommencement Date 10 LF028 Applicable in case of a) Minor lives and b) Back dated policies, and might differ from Date of Commencement as referred in above field. To be shown as YYYY/MM/DD.

29 IntermediaryLicense Number

Text 12 LF029 IRDA allotted License Number to the Intermediary.

30 IntermediaryCode Text 15 LF030 Intermediary Code Number allotted by the Insurer.

31 PolicyTerm Numeric 3 LF031 Duration of the policy contract in number of years for Life Insurance Policies. In case of Annuity/Pension policies, policy term refers to the number of years between the commencement of policy and commencement of annuity (also referred to as deferment period).

32 LastPremiumPaidDate Date 10 LF032 Due Date of the latest premium paid on the Policy. To be shown as YYYY/MM/DD.

33 PremiumPaymentTerm Numeric 2 LF033 Number of years for which premium is payable on the policy as per Policy conditions.

34 WhetherRiskReinsured Boolean 1 LF034 Indicator to whether the risk under the Policy is re-insured. Y if reinsured, else N

35 PolicyStatus Numeric 2 LF035 Please refer Annexure J (Policy Status codes master)

36 DateOfRevival Date 10 LF036 Please refer the foot-note below**

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Sr. No.

Field heading Field Type

Field Size

Data Dictionary Reference

Data Field description

37 DateOfExit Date 10 LF037 The date on which the policy exited/cancelled (Code no. 03, 04, 05, 06, 07, 08, & 09 under Annexure-J from the books of the insurer during the Record Year, to be shown as YYYY/MM/DD.

38 DateOfDeath Date 10 LF038 Self explanatory. To be shown as YYYY/MM/DD

39 DateOfNotificationOfDeath Date 10 LF039 Date when death is intimated to the insurer as recorded in their systems. To be shown as YYYY/MM/DD.

40 DateOfDeathClaim Settlement

Date 10 LF040 Date of admission of death claim as recorded in system of the insurer. To be shown as YYYY/MM/DD.

41 CauseOfDeath Text 2 LF041 Please refer Annexure K (Death Causes code master)

42 Grossamountpaid/ outstandingon Death/surrender/maturity

Numeric 11 LF042 Total amount paid/outstanding on Death/Maturity/Surrender before effecting any deductions in rupees.

43 ReasonForCancellation Numeric 2 LF043 Please use the below codes: 01 - Freelook 02 - Cheque Dishonor 99 - Any other reason

44 Netamountrefundedto Clientoncancellation

Numeric 8 LF044 Net Amount paid to the Client on Freelook/Cancellation in rupees.

Fields 45 to 49 data to be provided for only Annuity and Pension type of Policies in addition to the above fields

45 BenefitType Text 2 LF045 Please refer Annexure L (Annuity Benefit Type codes master)

46 AnnuityPaymentFrequency Numeric 1 LF046 Please refer Annexure M (Annuity Payment Frequency codes master)

47 AnnuityInstalmentAmount Numeric 7 LF047 Annuity instalment amount in rupees

48 LifeCoverindicator Boolean 1 LF048 Applicable to Annuity/Pension policies only. Please use following codes: Y if life cover opted, else N

49 PensionPurchasePrice Numeric 8 LF049 Purchase Price/Notional Purchase Price amount in rupees to be mentioned

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*Explanation to Field no. 26 [EMR % - Extra Mortality Rating in per centum] This will arise only if field no. 25 is not “Y”. a) If insurer has a system of rating, indicate the % [e.g. write 25--- if EMR is 25%]. b) If the insurer has a system of classifying sub-standard lives, such as class I, Class II, etc., indicate

the % that represents the median of the class of sub-standard life. c) If insurer has a different system of classifying sub-standard lives, determine the % as per formula

below: Extra premium / Basic Premium [Tabular Premium]

Suppose Extra premium is Rs. 10 per 1000 SA, and the tabular premium is Rs. 100 per 1000 SA, then this field is 10 [10/100 = .1 or 10%].

**Explanation for Sr. No. 36: (Date of risk restored/policy reinstated/ policy revived):

Please indicate relevant date from the list given below: a) For policies in force all through the record year, enter the date for this field as YYYY/04/01. e.g. for a policy with DOC -- 6.3.2009, which remained in force all through 2010-11, the date should be mentioned as 2010/04/01. b) For new policies sold during the record year, the policy commencement date should be entered. c) For policies which are revived or reinstated during the record year, enter the date of

reinstatement / revival. Revival/Reinstatement would have arisen in view of lapse, surrender, or foreclosure of the

policies during the record year or earlier.

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Annexures Annexure A : Company Number Master

Data Dictionary Reference: LF001 Company Number

(Registration Number with IRDA)

Life Insurer

138 Aegon Religare Life Insurance Company Ltd. 122 Aviva Life Insurance Company India Ltd. 116 Bajaj Allianz Life Insurance Company Ltd. 130 Bharti Axa Life Insurance Company Ltd. 109 Birla Sun Life Insurance Company Ltd. 136 Canara HSBC OBC Life Insurance Company Ltd. 140 DHFL Pramerica Life Insurance Company Ltd. 147 Edelweiss Tokio Life Insurance Company Ltd. 114 Exide Life Insurance Company Ltd. 133 Future Generali India Life Insurance Company Ltd. 101 HDFC Standard Life Insurance Company Ltd. 105 ICICI Prudential Life Insurance Company Ltd. 135 IDBI Federal Life Insurance Company Ltd. 143 IndiaFirst Life Insurance Company Ltd. 107 Kotak Mahindra Old Mutual Life Insurance Limited 512 Life Insurance Corporation of India 104 Max Life Insurance Company Ltd. 117 PNB MetLife India Insurance Company Ltd. 121 Reliance Life Insurance Company Ltd. 127 Sahara India Insurance Company Ltd. 111 SBI Life Insurance Company Ltd. 128 Shriram Life Insurance Company Ltd. 142 Star Union Dai-ichi Life Insurance Company Ltd. 110 TATA AIA Life Insurance Company Ltd.

Annexure B : Age Proof Master

Data Dictionary Reference: LF006

Code Age Proof description

A Self declaration

B Baptism Certificate

C College Certificate

D Elders Declaration

E E.S.I.S Card

F Employer's Certificate

G Hospital Certificate

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Code Age Proof description

H Horoscope

I Defence Identity Card

J Domicile Certificate

K Driving License

L Pan Card

M Municipal Certificate

N Any other Age proof

O Horoscope certified by Insurer

P Passport

Q Marriage Certificate (Muslim)

R Previous Policy Extract

S School Certificate

T Stamped Declaration

V Voters Card

W Ration Card

Y Service Certificate

Z Village Panchayat Certificate

Annexure C: Occupation codes master

Data Dictionary Reference: LF010

Code Occupation description

AF Agriculture, Farmer, etc.

BU Business

PM Professional/ Administrative/ Managerial jobs.

OJ Clerical, Supervisory and related workers

SE Self-employed Professionals viz. CA, Doctor, Lawyer, etc.

SS Employed in Trade/Crafts viz. Skilled Construction Workers, Carpenter, Electrician, Painter, Plumber, Mason, etc.

PD Police/Defence/Para-military jobs

SP Sportsperson

HW Housewife

RP Retired Persons

ST Students (School or College) & Children

OT Women with unearned income, Income from Rent/Investment etc.

OP Other occupations.

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Annexure D: Educational Qualification codes master Data Dictionary Reference: LF011

Code Educational Qualification description 0 Illiterate 1 Literate /Non SSC 2 SSC/Non-Graduate 3 Graduate & above

Annexure E: Citizenship Status codes master

Data Dictionary Reference: LF012 Code Citizen Status Description

R Resident N Non F FNIO (PIO) O Others

Annexure F: Product codes master

Data Dictionary Reference: LF016 Code Product Type Description EN Endowment (including Money Back & Whole Life types) TA Pure Term Assurance TO Term Assurance - Others PH Pure Health Cover SH Savings linked Health Cover AN Annuity PS Pension OT Any Other Product

Annexure G: Distribution Channel codes master

Data Dictionary Reference: LF021 Code Distribution Channel description

AG Individual Agency BR Brokers – Face-to-face BO Brokers – Online CB Corporate Agency - Banks CO Corporate Agency - Others DM Direct Marketing/Sales - Face-to-face DO Direct Marketing/Sales - Online WA Web Aggregator MA Microinsurance Agent - Face-to-face MO Microinsurance Agent - Online CS CSC – Face-to-face CO CSC – Online OT Other Channels

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Annexure H: Premium Payment Frequency codes master Data Dictionary Reference: LF022

Code Type of Premium Payment frequency 99 Single Premium 1 Annual 2 Half Yearly 4 Quarterly

12 Monthly 24 Fort-nightly 52 Weekly

Annexure I: Medical Type codes master

Data Dictionary Reference: LF024 Code Medical Status for the Policy

M Life medically examined on entry N Life not medically examined on entry but other procedures for risk apply such

as a non-medical with restrictions on sum assured, age, occupation S lives accepted on minimum evidence of health via a shortened proposal form W Policy sold without underwriting

Annexure J: Policy Status codes master

Data Dictionary Reference: LF035 Status Code Policy Status Description

01 In force 02 Reduced Paid up 03 Lapse 04 Surrender 05 Death Claim Intimated/Death Claim Settled 06 Death Claim Repudiated 07 Maturity Claim 08 Foreclosed 09 Cancelled Policies 99 Any other Status

Annexure K: Cause of Death Code Master Data Dictionary Reference: LF041

Code Cause of Death

AA Cholera

AB Typhoid Fever

AC Paratyphoid Fever and Other Salmonella Infections

AD Bacillary Dysentery and Amoebiasis

AE Enteritis and Other Diarrhoeal Diseases

AF Tuberculosis of Respiratory System

AG Tuberculosis of Meninges and Central Nervous System

AH Tuberculosis of Intestines, Peritoneum and Mesenteric Glands

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Code Cause of Death

BA Plague

BB Anthrax

BC Brucellosis

BD Leprosy

BE Diptheria

BF Whooping Cough

BG Meningococcal Infection

CA Malaria

DA Malignant Neoplasm of Buccal Cavity and Pharynx

DB Malignant Neoplasm of Oesophagus

DC Malignant Neoplasm of Stomach

DD Malignant Neoplasm of Intestine, Except Rectum

DE Malignant Neoplasm of Rectum and Recto sigmoid Junction

DF Malignant Neoplasm of Larynx

DG Malignant Neoplasm of Trachea, Bronchus and Lung

DH Malignant Neoplasm of Bone

DI Malignant Neoplasm of Skin

DJ Malignant Neoplasm of Breast

EA Malignant Neoplasm of Cervix Uteria

EB Other Malignant Neoplasm of Uterus

EC Malignant Neoplasm of Prostate Uterus

ED Malignant Neoplasm of Other Unspecified Sites

EE Leukemia

EF Other Neoplasms of Lymphatic and Cancer Hematopoietic Tissue

FA Diabetes Mellitus

GA Hypertensive Disease

GB Ischaemic Heart Disease

GC Other Forms of Heart Disease

GD Cerebrovascular Disease

HA Acute Respiratory Infections

HB Bronchitis, Emphysema and Asthma

IA Peptic Ulcer

IB Gastritis and Duodentis

IC Cirrhosis of Liver

JA Other Diseases of Genito-Urinary System

KA Hemorrhage of Pregnancy and Child-Birth

KB Other and Unspecified Abortion

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Code Cause of Death

KC Delivery Without Mention of Complication

LA All Other Congenital Anomalies

MA Homicide and Injury Purposefully Inflicted by Other Persons; Legal Intervention

MB Injury Undetermined Whether Accidentally or Purposefully Inflicted

MC Injury Resulting from Operations of War

NA Motor Vehicle Accidents

NB Other Transport Accidents

NC Accidental Poisoning

ND Accidental Falls

NE Accidents Caused By Fire

NF Accidental Drowning and Submersions

NG Accidents Mainly of Industrial Type

NH All Other Accidents - Earthquake, etc.

NI Suicide and Self Inflicting Injury

OA HIV/AIDS

PP Other causes (not covered above)

Annexure L: Annuity Benefit Type codes master

Data Dictionary Reference: LF045 Code Annuity Benefit Type Chosen by Client

A Annuity payable for life B Annuity certain for 5 years C Annuity certain for 10 years D Annuity certain for 15 years E Annuity certain for 20 years F Annuity for life, Return of Purchase Price on death of Annuitant G Annuity increasing at 3% per annum H Joint Life & Last Survivor Annuity (50 %) I Joint Life & Last Survivor Annuity (100 %) J Joint Life & Last Survivor Annuity (100 %), Return of Purchase Price on death

of Annuitant Z Any other type not covered above.

Annexure M: Annuity Payment Frequency codes master

Data Dictionary Reference: LF046 Code Annuity Payment Frequency chosen by Client.

1 Yearly 2 Half yearly 3 Quarterly 4 Monthly