---
title: SAIF.Business.Policy.Premium database tables
summary: Database tables used by this library with relationships and usage context.
status: draft
owner: Technical Writer
last_reviewed: 2026-07-31
library: SAIF.Business.Policy.Premium
reference_type: package
---

# SAIF.Business.Policy.Premium database tables

This page catalogs the Oracle tables accessed directly by this library.

## Table catalog

| Table | Database | Schema/Link | CRUD | Purpose | Primary business object |
| --- | --- | --- | --- | --- | --- |
| [BILLING_DEFAULTS](#billing_defaults) | Oracle | [unqualified] | RCUD | Stores default billing-plan/installment templates. | `clsPaymentPlanDefaultValues` |
| [BILLING_DETAIL_TYPE_CODE](#billing_detail_type_code) | Oracle | [unqualified] | RCUD | Stores billing-detail type definitions. | `clsBillingDetailTypeCode` |
| [BILLING_MASTER](#billing_master) | Oracle | [unqualified] | RCUD | Stores billing-plan selections linked to a policy period and premium set. | `clsPaymentPlan` |
| [FED_COVERAGE_TYPE_CODE](#fed_coverage_type_code) | Oracle | [unqualified] | R | Stores federal coverage type reference values. | `clsPolicyPeriodFederalCoverage` |
| [LC_POLICY_SERVICE_PLAN](#lc_policy_service_plan) | Oracle | [unqualified] | RCUD | Stores loss-control service plan selections. | `clsLossControlPolicyServicePlan` |
| [LOCATION](#location) | Oracle | [unqualified] | R | Stores policy location identity values for reporting projections. | `clsPremiumPolicyLocation` |
| [PAYMENT_PLAN_TYPE_CODE](#payment_plan_type_code) | Oracle | [unqualified] | RCUD | Stores payment-plan type metadata and flags. | `clsPaymentPlanType` |
| [PLAN_CODE](#plan_code) | Oracle | [unqualified] | RCUD | Stores sales-plan metadata. | `clsSalesPlan` |
| [POLICY_FINANCIAL_TRANS](#policy_financial_trans) | Oracle | [unqualified] | RCUD | Stores premium financial transactions such as invoices, payments, and offsets. | `clsFinancialTransaction` |
| [POLICY_FINANCIAL_TRANS_CODE](#policy_financial_trans_code) | Oracle | [unqualified] | RCUD | Stores financial transaction code metadata and flags. | `clsFinancialTransactionCode` |
| [POLICY_PERIOD_EMP_LIAB](#policy_period_emp_liab) | Oracle | [unqualified] | R | Stores employer-liability rows used to infer ELCB behavior. | `clsPremiumSummaryAdjustment` |
| [POLICY_PERIOD_FED_COVERAGE](#policy_period_fed_coverage) | Oracle | [unqualified] | R | Stores federal coverage rows scoped to policy periods. | `clsPolicyPeriodFederalCoverage` |
| [POLICY_PERIOD_OCCPAP](#policy_period_occpap) | Oracle | [unqualified] | R | Stores OCCPAP factors applied to policy periods. | `clsPolicyPeriodOCCPAP` |
| [POLICY_PERIOD_RATING_PLAN](#policy_period_rating_plan) | Oracle | N/A — accessed via DB link @POLDB (Policy database) | RCUD | Stores effective-dated rating plans applied directly to policy periods. | `clsPolicyPeriodRatingPlan` |
| [POLICY_RENEWAL_RATING_PLAN](#policy_renewal_rating_plan) | Oracle | [unqualified] | RCUD | Stores renewal-level rating plans merged with policy-period plans in memory. | `clsPolicyRenewalRatingPlan` |
| [PREM_ADJUSTMENT_TYPE_CODE](#prem_adjustment_type_code) | Oracle | [unqualified] | R | Stores premium adjustment type definitions and rating metadata. | `clsPremiumAdjustmentTypeCode` |
| [PREM_HIST_ADJ_RATE_CLASS](#prem_hist_adj_rate_class) | Oracle | N/A — accessed via DB link @POLDB (Policy database) | RC | Stores per-class adjusted-rate detail used for reported-payroll and rate-adjustment calculations. | `clsClassCoverageRateAdjustment` |
| [PREM_HIST_CLASS_COVERAGE](#prem_hist_class_coverage) | Oracle | N/A — accessed via DB link @POLDB (Policy database) | RC | Stores the class-level premium history rows that identify manual class, usage, payroll, and rates. | `clsClassCoverage` |
| [PREM_HIST_PREM_ADJUSTMENT](#prem_hist_prem_adjustment) | Oracle | N/A — accessed via DB link @POLDB (Policy database) | RC | Stores rating-rule-driven premium adjustments for a premium set and period slice. | `clsPolicyPeriodRateAdjustment` |
| [PREM_HIST_PREM_ADJ_RATE](#prem_hist_prem_adj_rate) | Oracle | N/A — accessed via DB link @POLDB (Policy database) | RC | Stores reporting-period rate-adjustment rows. | `clsReportingPeriodRateAdjustment` |
| [PREM_HIST_PREM_SUMMARY](#prem_hist_prem_summary) | Oracle | N/A — accessed via DB link @POLDB (Policy database) | RC | Stores summarized premium adjustment amounts used for subtotaling and premium display. | `clsPremiumSummaryAdjustment` |
| [PREM_HIST_SUMMARY](#prem_hist_summary) | Oracle | N/A — accessed via DB link @POLDB (Policy database) | RC | Stores premium-set headers and processing metadata for a policy period. | `clsPremiumSet` |
| [PREM_HIST_TYPE_CODE](#prem_hist_type_code) | Oracle | [unqualified] | R | Stores premium-set type reference values. | `clsPremiumSetType` |
| [PREM_RATING_RULE_BASIS](#prem_rating_rule_basis) | Oracle | [unqualified] | R | Stores which premium adjustment codes participate in each rating-rule basis. | `clsPremiumRatingRuleBasis` |
| [PREM_RATING_RULE_MASTER](#prem_rating_rule_master) | Oracle | [unqualified] | R | Stores effective-dated premium rating-rule master records. | `clsRatingRuleMaster` |
| [PREM_RATING_RULE_PRIORITY](#prem_rating_rule_priority) | Oracle | [unqualified] | R | Stores rating-rule priority ordering and function metadata. | `clsPremiumRatingRulePriority` |
| [PREPAY_POLICY_PERIOD](#prepay_policy_period) | Oracle | [unqualified] | RCUD | Stores prepay frequency and discount data for a policy period. | `clsPolicyPeriodPrepay` |

## BILLING_DEFAULTS

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores default billing-plan/installment templates. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | BILLING_MASTER, PAYMENT_PLAN_TYPE_CODE |
| **Business objects** | `clsPaymentPlanDefaultValues`, `clsPaymentPlanDefaultValuesCollection`, `clsPremiumSummaryAdjustment` |

### Operations referencing this table
- [Build a premium summary adjustment's policy-document description](operations/build-a-premium-summary-adjustments-policy-document-description.md)

### SQL referencing this table
- [SQL-026: Insert paymentplandefaultvalues](sql/SQL-026-saif-business-policy-premium.md)
- [SQL-027: Insert paymentplandefaultvalues collection](sql/SQL-027-saif-business-policy-premium.md)
- [SQL-051: Retrieve paymentplandefaultvalues](sql/SQL-051-saif-business-policy-premium.md)
- [SQL-052: Retrieve paymentplandefaultvalues collection](sql/SQL-052-saif-business-policy-premium.md)
- [SQL-090: Update paymentplandefaultvalues](sql/SQL-090-saif-business-policy-premium.md)
- [SQL-091: Update paymentplandefaultvalues collection](sql/SQL-091-saif-business-policy-premium.md)
- [SQL-107: Delete paymentplandefaultvalues](sql/SQL-107-saif-business-policy-premium.md)
- [SQL-108: Delete paymentplandefaultvalues collection](sql/SQL-108-saif-business-policy-premium.md)
- [SQL-116: Retrieve adjusted-rate billing flag](sql/SQL-116-saif-business-policy-premium.md)

---
## BILLING_DETAIL_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores billing-detail type definitions. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsBillingDetailTypeCode` |

### SQL referencing this table
- [SQL-016: Insert billingdetailtypecode](sql/SQL-016-saif-business-policy-premium.md)
- [SQL-039: Retrieve billingdetailtypecode](sql/SQL-039-saif-business-policy-premium.md)
- [SQL-082: Update billingdetailtypecode](sql/SQL-082-saif-business-policy-premium.md)
- [SQL-099: Delete billingdetailtypecode](sql/SQL-099-saif-business-policy-premium.md)

---
## BILLING_MASTER

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores billing-plan selections linked to a policy period and premium set. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | BILLING_DEFAULTS |
| **Business objects** | `clsPaymentPlan`, `clsPaymentPlanCollection`, `clsPremiumSummaryAdjustment` |

### Operations referencing this table
- [Build a premium summary adjustment's policy-document description](operations/build-a-premium-summary-adjustments-policy-document-description.md)

### SQL referencing this table
- [SQL-024: Insert paymentplan](sql/SQL-024-saif-business-policy-premium.md)
- [SQL-025: Insert paymentplan collection](sql/SQL-025-saif-business-policy-premium.md)
- [SQL-049: Retrieve paymentplan](sql/SQL-049-saif-business-policy-premium.md)
- [SQL-050: Retrieve paymentplan collection](sql/SQL-050-saif-business-policy-premium.md)
- [SQL-088: Update paymentplan](sql/SQL-088-saif-business-policy-premium.md)
- [SQL-089: Update paymentplan collection](sql/SQL-089-saif-business-policy-premium.md)
- [SQL-105: Delete paymentplan](sql/SQL-105-saif-business-policy-premium.md)
- [SQL-106: Delete paymentplan collection](sql/SQL-106-saif-business-policy-premium.md)
- [SQL-116: Retrieve adjusted-rate billing flag](sql/SQL-116-saif-business-policy-premium.md)

---
## FED_COVERAGE_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores federal coverage type reference values. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | POLICY_PERIOD_FED_COVERAGE |
| **Business objects** | `clsPolicyPeriodFederalCoverage`, `clsPolicyPeriodFederalCoverageCollection` |

### SQL referencing this table
- [SQL-054: Retrieve policyperiodfederalcoverage](sql/SQL-054-saif-business-policy-premium.md)
- [SQL-055: Retrieve policyperiodfederalcoverage collection](sql/SQL-055-saif-business-policy-premium.md)

---
## LC_POLICY_SERVICE_PLAN

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores loss-control service plan selections. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsLossControlPolicyServicePlan` |

### SQL referencing this table
- [SQL-023: Insert losscontrolpolicyserviceplan](sql/SQL-023-saif-business-policy-premium.md)
- [SQL-048: Retrieve losscontrolpolicyserviceplan](sql/SQL-048-saif-business-policy-premium.md)
- [SQL-087: Update losscontrolpolicyserviceplan](sql/SQL-087-saif-business-policy-premium.md)
- [SQL-104: Delete losscontrolpolicyserviceplan](sql/SQL-104-saif-business-policy-premium.md)

---
## LOCATION

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores policy location identity values for reporting projections. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsPremiumPolicyLocation` |

### SQL referencing this table
- [SQL-066: Retrieve premiumpolicylocation](sql/SQL-066-saif-business-policy-premium.md)

---
## PAYMENT_PLAN_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores payment-plan type metadata and flags. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | BILLING_DEFAULTS |
| **Business objects** | `clsPaymentPlanType`, `clsPaymentPlanTypeCollection`, `clsPremiumSummaryAdjustment` |

### Operations referencing this table
- [Build a premium summary adjustment's policy-document description](operations/build-a-premium-summary-adjustments-policy-document-description.md)

### SQL referencing this table
- [SQL-028: Insert paymentplantype](sql/SQL-028-saif-business-policy-premium.md)
- [SQL-029: Insert paymentplantype collection](sql/SQL-029-saif-business-policy-premium.md)
- [SQL-053: Retrieve paymentplantype](sql/SQL-053-saif-business-policy-premium.md)
- [SQL-092: Update paymentplantype](sql/SQL-092-saif-business-policy-premium.md)
- [SQL-093: Update paymentplantype collection](sql/SQL-093-saif-business-policy-premium.md)
- [SQL-109: Delete paymentplantype](sql/SQL-109-saif-business-policy-premium.md)
- [SQL-110: Delete paymentplantype collection](sql/SQL-110-saif-business-policy-premium.md)
- [SQL-116: Retrieve adjusted-rate billing flag](sql/SQL-116-saif-business-policy-premium.md)

---
## PLAN_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores sales-plan metadata. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsSalesPlan`, `clsSalesPlanCollection` |

### SQL referencing this table
- [SQL-037: Insert salesplan](sql/SQL-037-saif-business-policy-premium.md)
- [SQL-038: Insert salesplan collection](sql/SQL-038-saif-business-policy-premium.md)
- [SQL-080: Retrieve salesplan](sql/SQL-080-saif-business-policy-premium.md)
- [SQL-081: Retrieve salesplan collection](sql/SQL-081-saif-business-policy-premium.md)
- [SQL-097: Update salesplan](sql/SQL-097-saif-business-policy-premium.md)
- [SQL-098: Update salesplan collection](sql/SQL-098-saif-business-policy-premium.md)
- [SQL-114: Delete salesplan](sql/SQL-114-saif-business-policy-premium.md)
- [SQL-115: Delete salesplan collection](sql/SQL-115-saif-business-policy-premium.md)

---
## POLICY_FINANCIAL_TRANS

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores premium financial transactions such as invoices, payments, and offsets. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | POLICY_FINANCIAL_TRANS_CODE |
| **Business objects** | `clsFinancialTransaction`, `clsFinancialTransactionCollection` |

### SQL referencing this table
- [SQL-019: Insert financialtransaction](sql/SQL-019-saif-business-policy-premium.md)
- [SQL-022: Insert financialtransaction collection](sql/SQL-022-saif-business-policy-premium.md)
- [SQL-044: Retrieve financialtransaction](sql/SQL-044-saif-business-policy-premium.md)
- [SQL-047: Retrieve financialtransaction collection](sql/SQL-047-saif-business-policy-premium.md)
- [SQL-083: Update financialtransaction](sql/SQL-083-saif-business-policy-premium.md)
- [SQL-086: Update financialtransaction collection](sql/SQL-086-saif-business-policy-premium.md)
- [SQL-100: Delete financialtransaction](sql/SQL-100-saif-business-policy-premium.md)
- [SQL-103: Delete financialtransaction collection](sql/SQL-103-saif-business-policy-premium.md)

---
## POLICY_FINANCIAL_TRANS_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores financial transaction code metadata and flags. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | POLICY_FINANCIAL_TRANS |
| **Business objects** | `clsFinancialTransactionCode`, `clsFinancialTransactionCodeCollection` |

### SQL referencing this table
- [SQL-020: Insert financialtransactioncode](sql/SQL-020-saif-business-policy-premium.md)
- [SQL-021: Insert financialtransactioncode collection](sql/SQL-021-saif-business-policy-premium.md)
- [SQL-045: Retrieve financialtransactioncode](sql/SQL-045-saif-business-policy-premium.md)
- [SQL-046: Retrieve financialtransactioncode collection](sql/SQL-046-saif-business-policy-premium.md)
- [SQL-084: Update financialtransactioncode](sql/SQL-084-saif-business-policy-premium.md)
- [SQL-085: Update financialtransactioncode collection](sql/SQL-085-saif-business-policy-premium.md)
- [SQL-101: Delete financialtransactioncode](sql/SQL-101-saif-business-policy-premium.md)
- [SQL-102: Delete financialtransactioncode collection](sql/SQL-102-saif-business-policy-premium.md)

---
## POLICY_PERIOD_EMP_LIAB

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores employer-liability rows used to infer ELCB behavior. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsPremiumSummaryAdjustment` |

### Operations referencing this table
- [Determine ELCB status](operations/determine-elcb-status.md)

### SQL referencing this table
- [SQL-117: Retrieve ELCB status code](sql/SQL-117-saif-business-policy-premium.md)

---
## POLICY_PERIOD_FED_COVERAGE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores federal coverage rows scoped to policy periods. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | FED_COVERAGE_TYPE_CODE |
| **Business objects** | `clsPolicyPeriodFederalCoverage`, `clsPolicyPeriodFederalCoverageCollection` |

### SQL referencing this table
- [SQL-054: Retrieve policyperiodfederalcoverage](sql/SQL-054-saif-business-policy-premium.md)
- [SQL-055: Retrieve policyperiodfederalcoverage collection](sql/SQL-055-saif-business-policy-premium.md)

---
## POLICY_PERIOD_OCCPAP

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores OCCPAP factors applied to policy periods. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsPolicyPeriodOCCPAP`, `clsPolicyPeriodOCCPAPCollection` |

### SQL referencing this table
- [SQL-056: Retrieve policyperiodoccpap](sql/SQL-056-saif-business-policy-premium.md)
- [SQL-057: Retrieve policyperiodoccpap collection](sql/SQL-057-saif-business-policy-premium.md)

---
## POLICY_PERIOD_RATING_PLAN

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | N/A — accessed via DB link @POLDB (Policy database) |
| **Purpose** | Stores effective-dated rating plans applied directly to policy periods. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsPolicyPeriodRatingPlan`, `clsPolicyPeriodRatingPlanCollection` |

### Operations referencing this table
- [Merge renewal and period rating plans](operations/merge-renewal-and-period-rating-plans.md)

### SQL referencing this table
- [SQL-032: Insert policyperiodratingplan](sql/SQL-032-saif-business-policy-premium.md)
- [SQL-061: Retrieve policyperiodratingplan](sql/SQL-061-saif-business-policy-premium.md)
- [SQL-062: Retrieve policyperiodratingplan collection](sql/SQL-062-saif-business-policy-premium.md)
- [SQL-095: Update policyperiodratingplan](sql/SQL-095-saif-business-policy-premium.md)
- [SQL-112: Delete policyperiodratingplan](sql/SQL-112-saif-business-policy-premium.md)

---
## POLICY_RENEWAL_RATING_PLAN

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores renewal-level rating plans merged with policy-period plans in memory. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsPolicyRenewalRatingPlan` |

### Operations referencing this table
- [Merge renewal and period rating plans](operations/merge-renewal-and-period-rating-plans.md)

### SQL referencing this table
- [SQL-033: Insert policyrenewalratingplan](sql/SQL-033-saif-business-policy-premium.md)
- [SQL-063: Retrieve policyrenewalratingplan](sql/SQL-063-saif-business-policy-premium.md)
- [SQL-096: Update policyrenewalratingplan](sql/SQL-096-saif-business-policy-premium.md)
- [SQL-113: Delete policyrenewalratingplan](sql/SQL-113-saif-business-policy-premium.md)

---
## PREM_ADJUSTMENT_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores premium adjustment type definitions and rating metadata. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | PREM_RATING_RULE_MASTER |
| **Business objects** | `clsPremiumAdjustmentTypeCode`, `clsPremiumAdjustmentTypeCodeCollection` |

### SQL referencing this table
- [SQL-064: Retrieve premiumadjustmenttypecode](sql/SQL-064-saif-business-policy-premium.md)
- [SQL-065: Retrieve premiumadjustmenttypecode collection](sql/SQL-065-saif-business-policy-premium.md)

---
## PREM_HIST_ADJ_RATE_CLASS

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | N/A — accessed via DB link @POLDB (Policy database) |
| **Purpose** | Stores per-class adjusted-rate detail used for reported-payroll and rate-adjustment calculations. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | PREM_HIST_CLASS_COVERAGE |
| **Business objects** | `clsClassCoverageRateAdjustment`, `clsClassCoverageRateAdjustmentCollection` |

### SQL referencing this table
- [SQL-018: Insert classcoveragerateadjustment](sql/SQL-018-saif-business-policy-premium.md)
- [SQL-042: Retrieve classcoveragerateadjustment](sql/SQL-042-saif-business-policy-premium.md)
- [SQL-043: Retrieve classcoveragerateadjustment collection](sql/SQL-043-saif-business-policy-premium.md)

---
## PREM_HIST_CLASS_COVERAGE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | N/A — accessed via DB link @POLDB (Policy database) |
| **Purpose** | Stores the class-level premium history rows that identify manual class, usage, payroll, and rates. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | CLASS_COVERAGE_SEQ |
| **Related tables** | PREM_HIST_ADJ_RATE_CLASS, PREM_HIST_SUMMARY |
| **Business objects** | `clsClassCoverage`, `clsClassCoverageCollection`, `clsClassCoverageRateAdjustment`, `clsClassCoverageRateAdjustmentCollection` |

### Operations referencing this table
- [Retrieve class coverages for a premium set](operations/retrieve-class-coverages-for-a-premium-set.md)
- [Save (insert/update) a class coverage line](operations/save-insert-update-a-class-coverage-line.md)
- [Retrieve reported payroll for premium history](operations/retrieve-reported-payroll-for-premium-history.md)

### SQL referencing this table
- [SQL-017: Insert classcoverage](sql/SQL-017-saif-business-policy-premium.md)
- [SQL-040: Retrieve classcoverage](sql/SQL-040-saif-business-policy-premium.md)
- [SQL-041: Retrieve classcoverage collection](sql/SQL-041-saif-business-policy-premium.md)
- [SQL-042: Retrieve classcoveragerateadjustment](sql/SQL-042-saif-business-policy-premium.md)
- [SQL-043: Retrieve classcoveragerateadjustment collection](sql/SQL-043-saif-business-policy-premium.md)

---
## PREM_HIST_PREM_ADJUSTMENT

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | N/A — accessed via DB link @POLDB (Policy database) |
| **Purpose** | Stores rating-rule-driven premium adjustments for a premium set and period slice. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | PREM_HIST_SUMMARY |
| **Business objects** | `clsPolicyPeriodRateAdjustment`, `clsPolicyPeriodRateAdjustmentCollection`, `clsPremiumSet` |

### Operations referencing this table
- [Retrieve DCBS splits](operations/retrieve-dcbs-splits.md)

### SQL referencing this table
- [SQL-031: Insert policyperiodrateadjustment](sql/SQL-031-saif-business-policy-premium.md)
- [SQL-059: Retrieve policyperiodrateadjustment](sql/SQL-059-saif-business-policy-premium.md)
- [SQL-060: Retrieve policyperiodrateadjustment collection](sql/SQL-060-saif-business-policy-premium.md)
- [SQL-124: Count DCBS split rows](sql/SQL-124-saif-business-policy-premium.md)

---
## PREM_HIST_PREM_ADJ_RATE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | N/A — accessed via DB link @POLDB (Policy database) |
| **Purpose** | Stores reporting-period rate-adjustment rows. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsReportingPeriodRateAdjustment`, `clsReportingPeriodRateAdjustmentCollection` |

### SQL referencing this table
- [SQL-036: Insert reportingperiodrateadjustment](sql/SQL-036-saif-business-policy-premium.md)
- [SQL-078: Retrieve reportingperiodrateadjustment](sql/SQL-078-saif-business-policy-premium.md)
- [SQL-079: Retrieve reportingperiodrateadjustment collection](sql/SQL-079-saif-business-policy-premium.md)

---
## PREM_HIST_PREM_SUMMARY

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | N/A — accessed via DB link @POLDB (Policy database) |
| **Purpose** | Stores summarized premium adjustment amounts used for subtotaling and premium display. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | PREM_HIST_SUMMARY |
| **Business objects** | `clsPremiumSummaryAdjustment`, `clsPremiumSummaryAdjustmentCollection` |

### SQL referencing this table
- [SQL-035: Insert premiumsummaryadjustment](sql/SQL-035-saif-business-policy-premium.md)
- [SQL-074: Retrieve premiumsummaryadjustment](sql/SQL-074-saif-business-policy-premium.md)
- [SQL-075: Retrieve premiumsummaryadjustment collection](sql/SQL-075-saif-business-policy-premium.md)

---
## PREM_HIST_SUMMARY

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | N/A — accessed via DB link @POLDB (Policy database) |
| **Purpose** | Stores premium-set headers and processing metadata for a policy period. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | PREMIUM_HIST_SUMMARY_SEQ |
| **Related tables** | PREM_HIST_CLASS_COVERAGE, PREM_HIST_PREM_ADJUSTMENT, PREM_HIST_PREM_SUMMARY |
| **Business objects** | `clsPremiumSet`, `clsPremiumSetCollection` |

### Operations referencing this table
- [Retrieve the most recent premium set for a policy period](operations/retrieve-the-most-recent-premium-set-for-a-policy-period.md)

### SQL referencing this table
- [SQL-034: Insert premiumset](sql/SQL-034-saif-business-policy-premium.md)
- [SQL-071: Retrieve premiumset](sql/SQL-071-saif-business-policy-premium.md)
- [SQL-072: Retrieve premiumset collection](sql/SQL-072-saif-business-policy-premium.md)

---
## PREM_HIST_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores premium-set type reference values. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsPremiumSetType` |

### SQL referencing this table
- [SQL-073: Retrieve premiumsettype](sql/SQL-073-saif-business-policy-premium.md)

---
## PREM_RATING_RULE_BASIS

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores which premium adjustment codes participate in each rating-rule basis. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | PREM_RATING_RULE_MASTER |
| **Business objects** | `clsPremiumRatingRuleBasis`, `clsPremiumRatingRuleBasisCollection` |

### SQL referencing this table
- [SQL-067: Retrieve premiumratingrulebasis](sql/SQL-067-saif-business-policy-premium.md)
- [SQL-068: Retrieve premiumratingrulebasis collection](sql/SQL-068-saif-business-policy-premium.md)

---
## PREM_RATING_RULE_MASTER

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores effective-dated premium rating-rule master records. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | PREM_ADJUSTMENT_TYPE_CODE, PREM_RATING_RULE_BASIS, PREM_RATING_RULE_PRIORITY |
| **Business objects** | `clsRatingRuleMaster`, `clsRatingRuleMasterCollection` |

### SQL referencing this table
- [SQL-076: Retrieve ratingrulemaster](sql/SQL-076-saif-business-policy-premium.md)
- [SQL-077: Retrieve ratingrulemaster collection](sql/SQL-077-saif-business-policy-premium.md)

---
## PREM_RATING_RULE_PRIORITY

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores rating-rule priority ordering and function metadata. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | PREM_RATING_RULE_MASTER |
| **Business objects** | `clsPremiumRatingRulePriority`, `clsPremiumRatingRulePriorityCollection`, `clsPremiumSummaryAdjustmentCollection` |

### SQL referencing this table
- [SQL-069: Retrieve premiumratingrulepriority](sql/SQL-069-saif-business-policy-premium.md)
- [SQL-070: Retrieve premiumratingrulepriority collection](sql/SQL-070-saif-business-policy-premium.md)
- [SQL-075: Retrieve premiumsummaryadjustment collection](sql/SQL-075-saif-business-policy-premium.md)

---
## PREPAY_POLICY_PERIOD

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified] |
| **Purpose** | Stores prepay frequency and discount data for a policy period. |
| **Access pattern** | Direct SQL |
| **CRUD operations** | Read, Insert, Update, Delete |
| **Key columns used** | See linked SQL documents** |
| **Sequence** | N/A |
| **Related tables** | N/A |
| **Business objects** | `clsPolicyPeriodPrepay` |

### SQL referencing this table
- [SQL-030: Insert policyperiodprepay](sql/SQL-030-saif-business-policy-premium.md)
- [SQL-058: Retrieve policyperiodprepay](sql/SQL-058-saif-business-policy-premium.md)
- [SQL-094: Update policyperiodprepay](sql/SQL-094-saif-business-policy-premium.md)
- [SQL-111: Delete policyperiodprepay](sql/SQL-111-saif-business-policy-premium.md)

---

## Table relationship diagram

The following diagram shows the inferred or SQL-observed relationships between tables used directly by this library.

```mermaid
erDiagram
    PREM_HIST_SUMMARY ||--o{ PREM_HIST_CLASS_COVERAGE : "PREM_HIST_SET_ID"
    PREM_HIST_CLASS_COVERAGE ||--o{ PREM_HIST_ADJ_RATE_CLASS : "CLASS_COV_SEQ_NUM"
    PREM_HIST_SUMMARY ||--o{ PREM_HIST_PREM_ADJUSTMENT : "PREM_HIST_SET_ID"
    PREM_HIST_SUMMARY ||--o{ PREM_HIST_PREM_SUMMARY : "PREM_HIST_SET_ID"
    PREM_RATING_RULE_MASTER ||--o{ PREM_RATING_RULE_PRIORITY : "RATING_RULE_MASTER_ID"
    PREM_RATING_RULE_MASTER ||--o{ PREM_RATING_RULE_BASIS : "RATING_RULE_MASTER_ID"
    PREM_RATING_RULE_MASTER ||--o{ PREM_ADJUSTMENT_TYPE_CODE : "RATING_RULE_MASTER_ID"
    PAYMENT_PLAN_TYPE_CODE ||--o{ BILLING_DEFAULTS : "PAYMENT_PLAN_TYPE / CODE"
    FED_COVERAGE_TYPE_CODE ||--o{ POLICY_PERIOD_FED_COVERAGE : "FED_COVERAGE_TYPE_CODE / CODE"
    POLICY_FINANCIAL_TRANS_CODE ||--o{ POLICY_FINANCIAL_TRANS : "CODE / TRANS_TYPE_CODE"
    BILLING_MASTER ||--o{ BILLING_DEFAULTS : "BILLING_DEFAULT_CODE"
```

## Related documentation
- [Index](index.md)
- [Overview](overview.md)
- [Architecture](architecture.md)
- [Dependencies](dependencies.md)
- [Operations and processes](operations-processes.md)
- [Business rules](business-rules.md)
- [SQL catalog](sql/index.md)
- [API reference](api/index.md)

> **Note:** Statements marked with * were inferred from code structure, naming conventions, or
> contextual evidence where direct confirmation was not available in source artifacts. Statements
> marked with ** could not be confirmed; treat as unknown until verified.

## Sources
- `Business/SAIF.Business.Policy.Premium/Billing/clsBillingDetailTypeCode.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsFinancialTransaction.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsFinancialTransactionCode.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsFinancialTransactionCodeCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsFinancialTransactionCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsPaymentPlanDefaultValues.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsPaymentPlanDefaultValuesCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsPaymentPlanType.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsPaymentPlanTypeCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsSalesPlan.vb`
- `Business/SAIF.Business.Policy.Premium/Billing/clsSalesPlanCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsPremiumAdjustmentTypeCode.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsPremiumAdjustmentTypeCodeCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsPremiumRatingRuleBasis.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsPremiumRatingRuleBasisCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsPremiumRatingRulePriority.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsPremiumRatingRulePriorityCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsRatingRuleMaster.vb`
- `Business/SAIF.Business.Policy.Premium/Rating/clsRatingRuleMasterCollection.vb`
- `Business/SAIF.Business.Policy.Premium/Reporting/clsPremiumPolicyLocation.vb`
- `Business/SAIF.Business.Policy.Premium/clsClassCoverage.vb`
- `Business/SAIF.Business.Policy.Premium/clsClassCoverageCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsClassCoverageRateAdjustment.vb`
- `Business/SAIF.Business.Policy.Premium/clsClassCoverageRateAdjustmentCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsLossControlPolicyServicePlan.vb`
- `Business/SAIF.Business.Policy.Premium/clsPaymentPlan.vb`
- `Business/SAIF.Business.Policy.Premium/clsPaymentPlanCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodFederalCoverage.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodFederalCoverageCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodOccpap.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodOccpapCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodPrepay.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodRateAdjustment.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodRateAdjustmentCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodRatingPlan.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyPeriodRatingPlanCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsPolicyRenewalRatingPlan.vb`
- `Business/SAIF.Business.Policy.Premium/clsPremiumSet.vb`
- `Business/SAIF.Business.Policy.Premium/clsPremiumSetCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsPremiumSetType.vb`
- `Business/SAIF.Business.Policy.Premium/clsPremiumSummaryAdjustment.vb`
- `Business/SAIF.Business.Policy.Premium/clsPremiumSummaryAdjustmentCollection.vb`
- `Business/SAIF.Business.Policy.Premium/clsReportingPeriodRateAdjustment.vb`
- `Business/SAIF.Business.Policy.Premium/clsReportingPeriodRateAdjustmentCollection.vb`