再保險條約安排

osop_version: "1.0"
id: "reinsurance-placement"
name:"再保險條約安排"
description:"原保險公司準備風險資料 → 經紀人行銷 → 再保險公司報價 → 議價 → 承保 → 文件建立。"

nodes:
  - id: "prepare_risk"
    type: "human"
    subtype: "input"
    name: "原保險公司準備風險資料包"
    description: "理賠歷史、曝險資料、條款摘要及精算分析。"

  - id: "broker_markets"
    type: "api"
    subtype: "rest"
    name: "經紀人向再保險公司行銷"
    description: "透過安排平台將業務說明書分發給再保險公司。"

  - id: "collect_quotes"
    type: "human"
    subtype: "input"
    name: "再保險公司提交報價"
    description: "各再保險公司回覆定價、條款及承保線額度。"
    timeout_sec: 1209600

  - id: "negotiate_terms"
    type: "human"
    subtype: "review"
    name: "議定條款"
    description: "經紀人協商定價、承保觸發條件及除外條款。"

  - id: "bind_coverage"
    type: "human"
    subtype: "review"
    name: "確認承保"
    description: "原保險公司與再保險公司簽署承保授權書。"
    security:
      approval_gate: true
      risk_level: "high"

  - id: "treaty_docs"
    type: "system"
    name: "條約文件建立"
    description: "產生條約文字、業務說明書及邊界表範本。"

edges:
  - from: "prepare_risk"
    to: "broker_markets"
    mode: "sequential"
  - from: "broker_markets"
    to: "collect_quotes"
    mode: "sequential"
  - from: "collect_quotes"
    to: "negotiate_terms"
    mode: "sequential"
  - from: "negotiate_terms"
    to: "bind_coverage"
    mode: "sequential"
  - from: "bind_coverage"
    to: "treaty_docs"
    mode: "sequential"