{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/majesco/refs/heads/main/json-schema/majesco-policy-schema.json",
  "title": "Majesco Insurance Policy",
  "description": "An insurance policy managed through the Majesco cloud platform",
  "type": "object",
  "required": ["policyNumber", "productType", "effectiveDate", "expirationDate", "status", "policyholder"],
  "properties": {
    "policyNumber": {
      "type": "string",
      "description": "Unique policy identifier"
    },
    "status": {
      "type": "string",
      "enum": ["active", "expired", "cancelled", "pending", "lapsed"],
      "description": "Current lifecycle status of the policy"
    },
    "productType": {
      "type": "string",
      "enum": ["auto", "home", "commercial", "life", "health", "specialty"],
      "description": "Line of business / insurance product type"
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Policy inception date"
    },
    "expirationDate": {
      "type": "string",
      "format": "date",
      "description": "Policy expiration date"
    },
    "cancellationDate": {
      "type": ["string", "null"],
      "format": "date"
    },
    "policyholder": {
      "$ref": "#/$defs/Policyholder"
    },
    "coverages": {
      "type": "array",
      "items": { "$ref": "#/$defs/Coverage" }
    },
    "premium": {
      "$ref": "#/$defs/Premium"
    },
    "endorsements": {
      "type": "array",
      "items": { "$ref": "#/$defs/Endorsement" }
    },
    "agentCode": {
      "type": "string",
      "description": "Issuing agent or broker code"
    },
    "channelCode": {
      "type": "string",
      "description": "Distribution channel identifier"
    },
    "createdAt": {
      "type": "string",
      "format": "date-time"
    },
    "updatedAt": {
      "type": "string",
      "format": "date-time"
    }
  },
  "$defs": {
    "Policyholder": {
      "type": "object",
      "required": ["firstName", "lastName"],
      "properties": {
        "id": { "type": "string" },
        "firstName": { "type": "string" },
        "lastName": { "type": "string" },
        "dateOfBirth": { "type": "string", "format": "date" },
        "email": { "type": "string", "format": "email" },
        "phone": { "type": "string" },
        "address": { "$ref": "#/$defs/Address" }
      }
    },
    "Address": {
      "type": "object",
      "properties": {
        "street1": { "type": "string" },
        "street2": { "type": "string" },
        "city": { "type": "string" },
        "state": { "type": "string", "pattern": "^[A-Z]{2}$" },
        "postalCode": { "type": "string" },
        "country": { "type": "string", "default": "US" }
      }
    },
    "Coverage": {
      "type": "object",
      "required": ["coverageCode"],
      "properties": {
        "coverageCode": { "type": "string" },
        "coverageDescription": { "type": "string" },
        "limit": { "type": "number", "minimum": 0 },
        "deductible": { "type": "number", "minimum": 0 },
        "premium": { "type": "number", "minimum": 0 },
        "status": {
          "type": "string",
          "enum": ["active", "excluded", "suspended"]
        }
      }
    },
    "Premium": {
      "type": "object",
      "properties": {
        "annualPremium": { "type": "number", "minimum": 0 },
        "taxAmount": { "type": "number", "minimum": 0 },
        "feesAmount": { "type": "number", "minimum": 0 },
        "totalPremium": { "type": "number", "minimum": 0 },
        "currency": { "type": "string", "default": "USD" },
        "billingFrequency": {
          "type": "string",
          "enum": ["annual", "semi_annual", "quarterly", "monthly"]
        }
      }
    },
    "Endorsement": {
      "type": "object",
      "properties": {
        "endorsementNumber": { "type": "string" },
        "type": { "type": "string" },
        "effectiveDate": { "type": "string", "format": "date" },
        "description": { "type": "string" },
        "premiumChange": { "type": "number" }
      }
    }
  }
}