83 lines
3.6 KiB
Python
83 lines
3.6 KiB
Python
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"""海报字段画像：统一约束不同险种、不同版式的内容范围。"""
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from copy import deepcopy
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_PROFILES = {
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("savings", "single"): {
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"required": ["product_name", "company_name", "currency", "annual_premium", "premium_term"],
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"recommended": ["features", "benefit_milestone"],
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"optional": ["basic_sum_insured", "coverage_period", "insured_age"],
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"forbidden": ["full_benefit_table", "withdrawal_table"],
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"maxFeatureCount": 3,
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"milestoneYears": [20],
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},
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("savings", "long"): {
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"required": ["product_name", "company_name", "currency", "annual_premium", "premium_term"],
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"recommended": ["features", "total_premium", "benefit_milestones", "breakeven_hint"],
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"optional": ["first_year_amount_due", "withdrawal_plan", "coverage_period"],
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"forbidden": [],
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"maxFeatureCount": 6,
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"milestoneYears": [10, 20, 30],
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},
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("ci", "single"): {
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"required": ["product_name", "company_name", "currency", "sum_assured"],
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"recommended": ["annual_premium", "premium_term", "coverage_highlights", "waiting_period"],
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"optional": ["insured_age", "gender", "smoker"],
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"forbidden": ["breakeven_hint", "withdrawal_table"],
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"maxFeatureCount": 3,
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"milestoneYears": [],
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},
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("ci", "long"): {
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"required": ["product_name", "company_name", "currency", "sum_assured"],
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"recommended": ["coverage_highlights", "features", "waiting_period", "coverage_period"],
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"optional": ["premium_waiver", "death_benefit", "insured_age", "smoker"],
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"forbidden": ["breakeven_hint", "withdrawal_table"],
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"maxFeatureCount": 6,
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"milestoneYears": [],
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},
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("iul", "single"): {
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"required": ["product_name", "company_name", "currency", "sum_assured"],
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"recommended": ["target_premium", "premium_term", "index_account"],
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"optional": ["insured_age", "gender", "smoker"],
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"forbidden": ["unverified_return_promise", "withdrawal_table"],
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"maxFeatureCount": 3,
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"milestoneYears": [20],
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},
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("iul", "long"): {
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"required": ["product_name", "company_name", "currency", "sum_assured"],
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"recommended": ["target_premium", "minimum_premium", "index_accounts", "benefit_milestones"],
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"optional": ["withdrawal_notes", "fee_notes", "first_year_amount_due"],
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"forbidden": ["unverified_return_promise"],
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"maxFeatureCount": 6,
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"milestoneYears": [10, 20, 30],
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},
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("other", "single"): {
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"required": ["product_name", "company_name", "coverage_highlights", "disclaimer"],
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"recommended": ["features"],
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"optional": ["audience"],
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"forbidden": ["benefit_table", "return_metrics"],
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"maxFeatureCount": 3,
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"milestoneYears": [],
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},
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("other", "long"): {
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"required": ["product_name", "company_name", "coverage_highlights", "disclaimer"],
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"recommended": ["features", "audience"],
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"optional": ["coverage_period"],
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"forbidden": ["benefit_table", "return_metrics"],
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"maxFeatureCount": 6,
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"milestoneYears": [],
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},
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}
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def get_field_profile(plan_type: str, output_mode: str) -> dict:
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"""返回安全副本；未知险种和版式回退到保守画像。"""
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normalized_type = str(plan_type or "other").lower()
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if normalized_type not in {"savings", "ci", "iul"}:
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normalized_type = "other"
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normalized_mode = "long" if output_mode == "long" else "single"
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profile = deepcopy(_PROFILES[(normalized_type, normalized_mode)])
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profile["planType"] = normalized_type
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profile["outputMode"] = normalized_mode
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return profile
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