Policy Expired Event

Event emitted when a policy has reached its expiry date.

Event Lifecycle

Overview

The PolicyExpiredEventV1 event is emitted by the PolicyService when an insurance policy has reached its natural expiration date. This event represents the end of the policy term as originally defined, distinct from cancellation or lapse scenarios.

When is this event emitted?

This event is published when:

  • A policy reaches its pre-defined end date
  • A term-limited policy completes its coverage period
  • A policy expires without renewal

Key Information

The event payload includes:

  • Event Metadata: Event ID, correlation ID, timestamps for noticed and effected dates
  • Policy Identification: Policy ID and policy holder ID
  • Expiry Details: Expiry date when the policy term ended
  • Status Information: Policy status and sub-status at the time of expiry

Downstream Consumers

Systems that typically consume this event include:

  • Customer communication services (to send expiry notifications and renewal offers)
  • Billing systems (to finalize billing and close accounts)
  • Claims systems (to update coverage end dates)
  • Reporting and analytics platforms
  • Renewal processing systems

Schemas

JSON Schema

11 properties

Event emitted when a policy has expired.

idstring<uuid>
required

Unique identifier for the event (UUID as string)

correlationIdstring<uuid>
required

Correlation identifier for the event (UUID as string)

noticedDateinteger
required

Timestamp when the event was noticed (milliseconds since epoch)

effectedDateinteger
required

Timestamp when the event took effect (milliseconds since epoch)

detailTypestring
required

Type of the event.

logicalClockReadinginteger
required

Logical clock reading for event ordering

policyIdstring<uuid>
required

Unique identifier for the policy (UUID as string)

policySubStatusstring
required

Sub status of the policy at the time of the event

expiryDateinteger
required

Timestamp when the expiry took effect (milliseconds since epoch)

policyHolderIdstring<uuid>
required

Unique identifier for the policy holder

policyStatusnullstring

Status of the policy at expiry time

Avro Schema

11 fields
Record:PolicyExpiredEventV1(sft.pas.policy.events.policyexpiredevent.avro)

Event emitted when a policy is cancelled.

idstring (uuid)

Unique identifier for the event (UUID as string)

correlationIdstring (uuid)

Correlation identifier for the event (UUID as string)

noticedDatelong (timestamp-millis)

Timestamp when the event was noticed

effectedDatelong (timestamp-millis)

Timestamp when the event took effect

detailTypestring

Type of the event.

logicalClockReadingint

Logical clock reading for event ordering

policyIdstring (uuid)

Unique identifier for the policy (UUID as string)

policySubStatusstring

Sub status of the policy at the time of the event

expiryDatelong (timestamp-millis)

Timestamp when the expiry took effect

policyHolderIdstring (uuid)

Unique identifier for the policy holder

policyStatusnull | string

Status of the policy at expiry time
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