NEW_CHANNEL
e.g., "Agency", "ADITYA BIRLA CAPITAL DIGITAL LIMITED"
The distribution channel through which the policy was sold. Indicates whether it came through an agency, broker, direct sales, or digital platform.
Text
Policy
High
Sub_channel
e.g., "BSLI Synergy agency", "Tied Agency"
More specific classification of the distribution channel. Provides details about the type of agency or broker involved.
Text
Policy
Medium
Policy_Number
e.g., "21-22-3848701-00"
Unique identifier for the insurance policy. Used for all policy-related transactions and references.
Text
Policy
High
Base Policy Number
e.g., "21-22-3828224-00"
Reference to the original policy when this is a renewal or cross-sell policy. Helps track policy lineage.
Text
Policy
High
INSURED_NAME
e.g., "MAULIK JAYANTILAL GANATRA"
Full name of the policyholder or insured individual/entity. Critical for identification and communication.
Text
Insured
High
Date of birth of the primary insured individual. Used for age calculations which affect premiums and coverage.
Date
Insured
Medium
Sum_Insured
e.g., "500000", "1000000"
The maximum amount the insurer will pay under the policy for covered losses. Key for coverage assessment.
Number (₹)
Financial
High
Net_Premium
e.g., "16021.72", "11064"
The amount paid by the policyholder for coverage, after discounts and before taxes. Primary financial metric.
Number (₹)
Financial
High
Base_Net_Premium
e.g., "0" (in many cases)
The original premium amount before adjustments. Helps in comparing cross-sell policies to their base policies.
Number (₹)
Financial
Medium
Policy_Issue_Date
e.g., "00:00.0" (needs validation)
The date when the policy was officially issued and coverage began. Critical for policy validity.
Date
Date
High
Policy_Start_Date
e.g., "09-03-2023"
The effective date when the policy coverage starts. May differ from issue date for future-dated policies.
Date
Date
High
Policy_END_Date
e.g., "00:00.0" (needs validation)
The date when the policy coverage ends. Critical for renewal tracking and coverage period.
Date
Date
High
Agent/Broker Code
e.g., "1601777", "ABH11107471"
Unique identifier for the agent or broker who sold the policy. Used for commission tracking.
Text
Agent
Medium
Agent/Broker Name
e.g., "ASHUTOSH INSURANCE BROKERS LLP", "Neetu Gaur"
The name of the agent, broker, or intermediary responsible for the policy sale.
Text
Agent
Medium
Producer Name
e.g., "ASHUTOSH INSURANCE BROKERS LLP"
The entity that produced the business, which could be same as agent/broker or a different entity.
Text
Agent
Low
Current RM Code
e.g., "561164", "551612"
Code identifying the current Relationship Manager assigned to the policy.
Code
Manager
Low
Current RM Name
e.g., "Bhavika Kalariya", "Jatin Choudhary"
Name of the current Relationship Manager responsible for client servicing.
Text
Manager
Low
SM_Code
e.g., "NULL", "582295"
Code identifying the Sales Manager overseeing the Relationship Manager.
Code
Manager
Low
SM_NAME
e.g., "N/A", "Himanshu Mittal"
Name of the Sales Manager in the organizational hierarchy.
Text
Manager
Low
Product_Name
e.g., "Activ Health V2", "Super Top Up"
The specific insurance product purchased. Determines coverage features and benefits.
Text
Product
High
Policy_Variant
e.g., "Floater", "Individual"
The variant of the product (like floater vs individual). Affects coverage scope and premium.
Text
Product
Medium
Plan_Type
e.g., "Platinum - Enhanced", "Plan B"
Specific plan chosen within the product variant. Determines coverage limits and sub-features.
Text
Product
Medium
CoverDesc
e.g., "Hospital Cash Benefit", "Personal Accident"
Description of specific coverages or riders added to the base policy.
Text
Product
Medium
vchSource
e.g., "TCS BaNCS", "SELLER PORTAL", "36"
The system or platform where the policy was originated. Used for technical tracking.
Text
Technical
Low
TYPE_OF_CROSS_SELL
e.g., "Natural Cross Sell", "Lead Cross Sell"
Indicates how this policy was cross-sold (to existing customers). Useful for marketing analysis.
Text
Technical
Medium
Vchstatus
e.g., "IF" (many entries)
Status code for the policy voucher. "IF" likely stands for "Issued and in-force".
Code
Technical
Low
id
e.g., "98242245991979-01-16"
Unique identifier combining policyholder details, possibly for internal systems integration.
Text
Technical
Medium
Group_Category
e.g., "RHI" (many entries)
Classification of the customer group. "RHI" likely stands for "Retail Health Insurance".
Code
Technical
Low
Business_Type
e.g., "Roll Over", "New Business"
Identifies how the business was acquired (new sale, renewal, etc.). Important for sales analysis.
Text
Technical
Medium
Policy_Type
e.g., "Cross Sell Policy" (many entries)
Classification of the policy type, showing this is primarily cross-sell business.
Text
Technical
Medium
Flag
e.g., "0" (all entries)
Technical flag whose meaning would require system documentation. Appears to always be "0" in this data.
Code
Technical
Low
Base Policy Product Name
e.g., "Activ Health V2", "Activ Assure"
The product name of the original policy for cross-sell policies. Helps understand product relationships.
Text
Technical
Info
Base_Policy_Business_Type
e.g., "Roll Over", "New Business"
The business type of the original policy. Shows how the base business was acquired.
Text
Technical
Info
Agency Zone
e.g., "West", "North", "East"
Geographic zone classification for the agency. Used for regional performance analysis.
Text
Policy
Medium
state
e.g., "GUJARAT", "DELHI"
The state where the insured is located. Important for geographic analysis and regulatory compliance.
Text
Insured
Medium
City
e.g., "Ahmedabad", "Jaipur"
The city where the insured is located. Used for local marketing and risk assessment.
Text
Insured
Medium
NB_GWP
e.g., "0" (all entries)
New Business Gross Written Premium. Currently zero in this dataset, possibly not applicable to cross-sell.
Number
Financial
Low
RM_Activation
e.g., "0" (all entries)
Relationship Manager activation flag. Possibly indicates if RM has engaged with policyholder.
Number
Financial
Low
Master_Policy_Holders_name
e.g., "NULL" (most entries)
Name of the master policyholder for group policies. Null indicates individual policies in this dataset.
Text
Insured
Medium
Base_Policy_issue_date
e.g., "00:00.0"
Issue date of the base policy for cross-sell business. Helps track customer lifecycle.
Date
Policy
Info
NPS CATEGORY Agency
e.g., "NULL Agency", "Promoter Agency"
Net Promoter Score classification for the agency. Measures customer satisfaction with distribution channel.
Text
Policy
Low
Agency Broker
e.g., "BSLI Synergy agency", "Tied Agency"
Additional classification of the agency or broker relationship. Provides more detail than Sub_channel.
Text
Policy
Low
