Deductible

A structured deductible definition for a coverage section. Replaces the inline Money deductible and separate deductibleType fields, capturing the full complexity of insurance deductible structures including SIRs, corridors, franchises, and disappearing deductibles.

Structure

Name	Card.	Type	Description
RDeductible			A structured deductible definition for a coverage section.
●amount	0..1	Money	The deductible amount (required for fixed-amount deductibles, optional for percentage-based)
●type	1..1	CodeableConcept	How the deductible applies. terminology
●application	0..1	CodeableConcept	How loss adjustment expenses (ALAE/LAE) interact with the deductible. terminology
●isSIR	0..1	boolean	Whether this is a Self-Insured Retention (SIR) rather than a traditional deductible.
●aggregateAmount	0..1	Money	Aggregate cap on deductible obligations in a policy period
●corridorPercentage	0..1	number	Corridor percentage (used in corridor deductible structures).
●franchiseAmount	0..1	Money	Franchise deductible threshold — losses below this are fully retained; above, fully covered
●disappearingThreshold	0..1	Money	Disappearing deductible threshold — deductible phases out above this loss amount
●percentage	0..1	number	Percentage-based deductible (e.g., 2% hurricane deductible).
●percentageBasis	0..1	CodeableConcept	What the percentage is applied to (e.g., "Coverage A dwelling value", "total insured value")
●description	0..1	string	Free-text description of deductible terms

Example

{
  "amount": {
    "value": 25000,
    "currency": "USD"
  },
  "type": "per-occurrence",
  "application": "loss-only",
  "isSIR": false,
  "aggregateAmount": {
    "value": 100000,
    "currency": "USD"
  }
}

JSON Schema

Full JSON Schema: Deductible.schema.json