Introduction to Rates in SchemeServe

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There is geometry in the humming of the string.
There is music in the spacing of the spheres.
 -- Pythagoras, circa 530 BC

Rating with SchemeServe

There is a very simple means of entering rates for basic calculation questions in SchemeServe. This section of the SchemeServe help guide, on the other hand, is focused on advanced rating structures using the Conditional Matrix.Rating is perhaps the most complex area of SchemeServe. In order to get the maximum benefit from developing your own rating files we recommend that you read through the rates part of the guide in order - to help with this we've numbered each item in the "See Also" section of this and every rating's help page.

Note: ADM Network can develop rating files and schemes on your behalf – this is a chargeable service. If you would like to use this service please contact our support team ( and ask about our Managed Schemes Service.

Basic/Concepts and Pre-Requisites for Creating Ratings

You should first examine the conditional rating tool supplied in the Questions Editor. You will need to fully understand Questions, Cases, Answers, Discounts and Loads before you begin creating complex ratings.

Before starting you should know:

  • The System IDs of Questions that you intend to modify the rates, cover values or discounts on.
  • Questions which you can apply ratings to must be set up as calculation questions.
  • In the case of items that are a “Sum Insured” and which are not an “Indemnity Limit” you should have the “This is Coverage” Box ticked for them.
  • You should leave the rate blank in the question editor for any conditional rating where you will be using the more complex methodology. This is to prevent confusion and/or any miscalculations of rates.

Tools for Developing Ratings:

  1. Open Office (Windows, Mac, Linux: – The spreadsheet package offers more reliable results when working with CSV (Comma Separated Variable) files than Excel. It is free to download and use.
  2. GS-Calc (Windows:– Most spreadsheet packages cannot handle more than 1 million rows. In many instances this isn't a problem but if you wish to include UK Postcode Lookups in your ratings – there are over 1.7 million rows and GS-Calc offers good value at $19.95 (US Dollars)
  3. Notepad++ (Windows: now that Notepad is no longer standard with Windows this freeware text editor is a great solution for debugging your CSV files.
  4. Textmate (Mac:– the best text editor for the Apple Mac.

See Also:

  1. Introduction to Rates in SchemeServe
  2. Uploading SchemeServe Rating Files
  3. Downloading SchemeServe Rating Files
  4. Flat Rating: Building Your First SchemeServe Rating File
  5. Conditions for Rating Files
  6. Actions for Rating Files
  7. Rating Modifiers: What they are and when to use them
  8. Multi-Step Ratings: Using Multiple Sections in Rating Files
  9. Advanced Ratings: Using Formulae
  10. Advanced Ratings: Conditional Statements and Functions
  11. Advanced Ratings: Rounding Values
  12. Master Rating: Using Tables and Row Lookup Loops
  13. Example Ratings for Specific Insurance Types (Life and Public Liability)
  14. Mathematical Helper Functions for Ratings Files
  15. Rating Agents: Tips and Tricks