TOMAS enables calculation of any type of insurance policies, without additional programming.

Also, any changes in the way policies are to be calculated could be implemented without changes in programs, the very same day when decision to change has been made.

To illustrate this, an example for calculation of car insurance policies is shown below. In the similar way any other type of insurance could be calculated.
Car insurance policy calculation

Code       Description

riz             risc coefficient

pok           coefficient for coverage

bm            bonus/malus coefficient

d1             additional coefficient in case of taxi or rent-a-car

d2             additional coefficient in case more than 5 persons are transported

pt              coefficient if owner is a handicapped person

kat            coefficient for vehicles with catalizator.

The work performed in insurance Point Of Sales is the following: