投保查询校验

curl --location --request POST '10.207.138.234:9201/cic/platform/car/unity/bi/policy/V0121' \
--header 'Content-Type: application/json' \
--data-raw '{
    "agricultureTypeCd": "1",
    "applicantDTOList": [
        {
            "addressInfoDTOList": [
                {
                    "addressTypeCd": "0701204",
                    "detailAddress": "反反复复",
                    "extendInfo": {},
                    "provinceCode": "中国"
                }
            ],
            "birthDate": "2014-05-01",
            "certEffectiveEndDt": "2023-06-01",
            "certEffectiveStartDt": "2019-05-01",
            "certNo": "311411313",
            "certTypeCd": "511",
            "clientClassifyCd": "07",
            "countryCode": "156",
            "extendInfo": {
                "carRelation": "1"
            },
            "genderCd": 2,
            "isCertEffectiveForever": "0",
            "isMajorApplicant": 1,
            "mobilePhone": "13355665566",
            "participantName": "张三",
            "sameInsurer": "1",
            "uid": "1088010006067221"
        }
    ],
    "approveInfoDTOList": [],
    "beneficiaryDTOList": [],
    "bizSourceCd": "21010600",
    "bizSourcePath": "21000007/21010000/21010600",
    "channelDTO": {
        "agentCode": "2014A01654",
        "agentName": "郭伟",
        "agentTypeCd": "INDIVIDUAL",
        "channelAgreementNo": "H220321703012010000000026",
        "extendInfo": {}
    },
    "channelTypeCd": "11010000",
    "coinsuranceFlagCd": "0",
    "createDt": "2022-05-14T12:06:46",
    "creator": "system",
    "customerContactDTOList": [],
    "customerLevelLabelCd": "2",
    "deductibleDTOList": [],
    "disputeResolutionCd": "01",
    "exclusiveDTO": {
        "cheHD": {
            "isSuccess": "1",
            "responseMsg": "车慧达自动查询开关关闭，不调用车慧达系统获取评分信息"
        },
        "configAddedServiceDTOList": [],
        "objVehicleDTO": {
            "customerId": "1088010006067221",
            "extend": {
                "objVehicleExtendDTO": "{\"printBrandModel\":\"思威DHW6453R4CFE 豪华版\"}",
                "cheHD": "{\"isSuccess\":\"1\",\"responseMsg\":\"车慧达自动查询开关关闭，不调用车慧达系统获取评分信息\"}"
            },
            "extensionEquipmentList": [
                {}
            ],
            "objType": "VEHICLE",
            "objVehicleEngineDTOList": [
                {
                    "displacement": "2356",
                    "energyType": "0",
                    "engNo": "L127764",
                    "fuelCode": "1",
                    "fuelType": "汽油"
                }
            ],
            "objVehicleOwnerDTOList": [
                {
                    "birthDt": "2014-05-01",
                    "certEffectiveEndDt": "2023-06-01",
                    "certEffectiveStartDt": "2019-05-01",
                    "countryCd": "156",
                    "customerTypeCd": "07",
                    "effectiveCertNo": "311411313",
                    "effectiveCertTypeCd": "511",
                    "fixedAddress": {
                        "dtlAddr": "反反复复",
                        "provCd": "中国"
                    },
                    "genderCd": "2",
                    "longTermFlag": "0",
                    "mobilePhoneNo": "13355665566",
                    "vehicleOwnerId": "1088010006067221",
                    "vehicleOwnerName": "张三",
                    "vehicleOwnerTypeCd": "1"
                }
            ],
            "vehBrand": {
                "brandCode": "BTA2",
                "brandNameCn": "东风本田",
                "carStyleName": "思威DHW6453R4CFE 豪华版",
                "factoryCode": "MK01877",
                "factoryName": "东风本田汽车有限公司",
                "hyModelCode": "BDFOSXUD0024",
                "importName": "合资",
                "jyModelCode": "SWD1059DFB",
                "jyModelName": "思威DHW6453R4CFE多用途乘用车",
                "productModel": "DHW6453R4CFE",
                "remark": "CVT 豪华版 四驱 国Ⅴ",
                "searchCode": "SW-DHW6453R4CFE",
                "seriesCode": "BTA2AD",
                "vehicleModelAlias": "思威CR-V 2.4L CVT四驱豪华版",
                "vehicleModelCate": "11",
                "vehicleModelType": "越野车类",
                "vehicleName": "思威DHW6453R4CFE多用途乘用车",
                "zhModelCode": "cicSWD1059DFB"
            },
            "vehCost": {
                "invoiceDt": "2022-05-13",
                "isVehicleLoan": "0",
                "kindredPriceTax": {
                    "cent": 0,
                    "currency": "CNY"
                },
                "marketDate": "2015-04-01",
                "marketValueAmount": {
                    "cent": 212800,
                    "currency": "CNY"
                },
                "monthlyDepreciationRate": 0.006,
                "negotiateValue": {
                    "cent": 212800,
                    "currency": "CNY"
                },
                "purchasePrice": {
                    "cent": 212800,
                    "currency": "CNY"
                },
                "purchasePriceExa": {
                    "cent": 212800,
                    "currency": "CNY"
                },
                "purchasePriceTax": {
                    "cent": 231000,
                    "currency": "CNY"
                }
            },
            "vehIdentify": {
                "plateNo": "*-*",
                "plateType": "02",
                "vin": "LFMA8E2A5F0128370"
            },
            "vehModel": {
                "absFlag": "有",
                "antitheft": "有",
                "curbWeight": 1640.0,
                "curbWeightMax": 1640.0,
                "curbWeightMin": 1640.0,
                "gearboxType": "CVT",
                "industryIsnewEnergyVehicle": "0",
                "isSpecialVehicle": "0",
                "limitLoadPerson": 5,
                "seatCnt": 5,
                "tonnage": 5,
                "wheelbase": "2620"
            },
            "vehNewEnergy": {},
            "vehRegist": {
                "certificateDate": "2022-05-13",
                "firstRegisterDate": "2022-05-13",
                "isNoVehiclePlate": "1",
                "isVehicleTransfer": "0",
                "licenseVehicleTypeCd": "398003"
            },
            "vehUsage": {
                "chinaUsageCode": "309001",
                "chinaVehClassCd": "302001001",
                "insuranceJqCode": "KA",
                "insuranceJqName": "六座以下客车",
                "insuranceSyCode": "KA",
                "insuranceSyName": "六座以下客车",
                "pmVehicleType": "K31"
            }
        },
        "objVehicleExtendDTO": {
            "printBrandModel": "思威DHW6453R4CFE 豪华版"
        },
        "vehicleInsureDTO": {
            "additionalFeeRate": 0.25,
            "adjustFactor": 1.0,
            "autoPreUnderwrite": "1",
            "calculateType": "1",
            "continuityUnderwritingYears": "0",
            "currentPriceAdjustFactor": 1.35,
            "generateNewNo": "1",
            "hadQuotedInOtherChannels": "0",
            "highSePrice": 0,
            "independentPriceFactor": 1.35,
            "independentPriceFactorMax": 1.35,
            "independentPriceFactorMin": 0.65,
            "isEcdemicVehicle": "0",
            "isFleet": "0",
            "isNewVehicle": "1",
            "isSmsVerification": "1",
            "isSpecialApprove": "100",
            "isThirdBiz": "0",
            "lowSePrice": 0,
            "midSePrice": 0,
            "ncdLevelCd": 0,
            "ncdNoAdjustReasonCd": "11",
            "needReCalculateFlag": "0",
            "proposalQueryTime": "2022-05-14T12:06:43",
            "queryNoDt": "2022-05-24T12:06:00",
            "querySequenceNo": "V0101CICP370022050292501204151",
            "relatedPolicyType": "1",
            "repeatedInsureFlag": "0",
            "seType": "3",
            "seValue": 0,
            "seValueMax": 0,
            "seValueMin": 0,
            "superviseSwitch": "1",
            "trafficIllegalAdjustFactor": 1.0,
            "vehiclePureRiskPremium": 1788.27
        },
        "vehicleOwnerDTO": {
            "addressInfoDTOList": [
                {
                    "addressTypeCd": "0701204",
                    "detailAddress": "反反复复",
                    "extendInfo": {},
                    "provinceCode": "中国"
                }
            ],
            "birthDate": "2014-05-01",
            "certEffectiveEndDt": "2023-06-01",
            "certEffectiveStartDt": "2019-05-01",
            "certNo": "311411313",
            "certTypeCd": "511",
            "clientClassifyCd": "07",
            "countryCode": "156",
            "extendInfo": {},
            "genderCd": 2,
            "isCertEffectiveForever": "0",
            "mobilePhone": "13355665566",
            "participantName": "张三",
            "uid": "1088010006067221",
            "vehicleOwnerTypeCd": "1"
        }
    },
    "extendInfo": {
        "vehicleInsureDTO": "{\"additionalFeeRate\":0.25,\"adjustFactor\":1.0,\"autoPreUnderwrite\":\"1\",\"calculateType\":\"1\",\"continuityUnderwritingYears\":\"0\",\"currentPriceAdjustFactor\":1.35,\"generateNewNo\":\"1\",\"hadQuotedInOtherChannels\":\"0\",\"highSePrice\":0,\"independentPriceFactor\":1.35,\"independentPriceFactorMax\":1.35,\"independentPriceFactorMin\":0.65,\"isEcdemicVehicle\":\"0\",\"isFleet\":\"0\",\"isNewVehicle\":\"1\",\"isSpecialApprove\":\"100\",\"isThirdBiz\":\"0\",\"lowSePrice\":0,\"midSePrice\":0,\"ncdLevelCd\":0,\"ncdNoAdjustReasonCd\":\"11\",\"needReCalculateFlag\":\"0\",\"proposalQueryTime\":\"2022-05-14T12:06:43\",\"queryNoDt\":\"2022-05-24T12:06:00\",\"querySequenceNo\":\"V0101CICP370022050292501204151\",\"relatedPolicyType\":\"1\",\"repeatedInsureFlag\":\"0\",\"seType\":\"3\",\"seValue\":0,\"seValueMax\":0,\"seValueMin\":0,\"superviseSwitch\":\"1\",\"trafficIllegalAdjustFactor\":1.0,\"vehiclePureRiskPremium\":1788.27}",
        "vehicleOwner": "{\"addressInfoList\":[{\"addressTypeCd\":\"0701204\",\"detailAddress\":\"反反复复\",\"extendInfo\":{},\"provinceCode\":\"中国\"}],\"birthDate\":\"2014-05-01\",\"certEffectiveEndDt\":\"2023-06-01\",\"certEffectiveStartDt\":\"2019-05-01\",\"certNo\":\"311411313\",\"certTypeCd\":\"511\",\"clientClassifyCd\":\"07\",\"countryCode\":\"156\",\"extendInfo\":{},\"genderCd\":2,\"isCertEffectiveForever\":\"0\",\"mobilePhone\":\"13355665566\",\"participantName\":\"张三\",\"uid\":\"1088010006067221\",\"vehicleOwnerTypeCd\":\"1\"}",
        "productSchemeExtendInfo": "{}"
    },
    "feeDTO": {
        "discount": 1.35,
        "exchangeRate": 1.0,
        "extendInfo": {},
        "insuredAmount": 0,
        "localCurrencyInsuredAmount": 0,
        "localCurrencyNoTaxPremium": 2761.98,
        "localCurrencySignPremium": 2927.7,
        "localCurrencyStandardPremium": 2168.67,
        "localCurrencyTaxAmount": 165.72,
        "noTaxPremium": 2761.98,
        "signCurrencyCode": "CNY",
        "signCurrencyName": "人民币",
        "signPremium": 2927.7,
        "standardPremium": 2168.67,
        "sumDiscountAmount": -759.03
    },
    "followFeeDTOList": [
        {
            "configFeeRate": 0.2,
            "extendInfo": {},
            "feeRate": 0.2,
            "feeRateMax": 1.0,
            "feeRateMin": 0,
            "feeTypeCd": "COMMISSION",
            "noTaxFeeAmount": 552.4,
            "taxFeeAmount": 585.54
        },
        {
            "configFeeRate": 0.2,
            "extendInfo": {},
            "feeRate": 0.2,
            "feeRateMax": 1.0,
            "feeRateMin": 0,
            "feeTypeCd": "INDIVIDUAL_COMMISSION",
            "noTaxFeeAmount": 552.4,
            "taxFeeAmount": 585.54
        },
        {
            "configFeeRate": 0.1,
            "extendInfo": {},
            "feeRate": 0.1,
            "feeRateMax": 1.0,
            "feeRateMin": 0,
            "feeTypeCd": "MARKET_MAINTENANCE_EXPENSE",
            "noTaxFeeAmount": 276.2,
            "taxFeeAmount": 292.77
        },
        {
            "configFeeRate": 0.1,
            "extendInfo": {},
            "feeRate": 0.1,
            "feeRateMax": 1.0,
            "feeRateMin": 0,
            "feeTypeCd": "SALARY_PERFORMANCE",
            "noTaxFeeAmount": 276.2,
            "taxFeeAmount": 292.77
        },
        {
            "configFeeRate": 0.1,
            "extendInfo": {},
            "feeRate": 0.1,
            "feeRateMax": 1.0,
            "feeRateMin": 0,
            "feeTypeCd": "ORG_MAINTENANCE_EXPENSE",
            "noTaxFeeAmount": 276.2,
            "taxFeeAmount": 292.77
        },
        {
            "configFeeRate": 0.1,
            "extendInfo": {},
            "feeRate": 0.1,
            "feeRateMax": 1.0,
            "feeRateMin": 0,
            "feeTypeCd": "SALES_PERFORMANCE",
            "noTaxFeeAmount": 276.2,
            "taxFeeAmount": 292.77
        },
        {
            "configFeeRate": 0.1,
            "extendInfo": {},
            "feeRate": 0.1,
            "feeRateMax": 1.0,
            "feeRateMin": 0,
            "feeTypeCd": "AGR_INSURANCE_WORK_EXPENSE",
            "noTaxFeeAmount": 276.2,
            "taxFeeAmount": 292.77
        }
    ],
    "handlerDTOList": [
        {
            "extendInfo": {},
            "handlerEmpNo": "3703000005",
            "handlerName": "张红艳",
            "isMainHandler": 1,
            "orgCode": "213703060000",
            "orgCodePath": "210000000000/213700000000/213703000000/213703060000",
            "orgName": "中华联合财产保险股份有限公司周村支公司",
            "orgNamePath": "中华联合财产保险股份有限公司/中华联合财产保险股份有限公司山东分公司/中华联合财产保险股份有限公司淄博中心支公司/中华联合财产保险股份有限公司周村支公司",
            "orgTypeCd": "0",
            "saleTeamCode": "233703060001",
            "saleTeamName": "中华联合财产保险股份有限公司周村支公司综合一团队",
            "saleTeamTypeCd": "1"
        }
    ],
    "installmentDTOList": [],
    "insuredDTOList": [
        {
            "addressInfoDTOList": [
                {
                    "addressTypeCd": "0701204",
                    "detailAddress": "反反复复",
                    "extendInfo": {},
                    "provinceCode": "中国"
                }
            ],
            "birthDate": "2014-05-01",
            "certEffectiveEndDt": "2023-06-01",
            "certEffectiveStartDt": "2019-05-01",
            "certNo": "311411313",
            "certTypeCd": "511",
            "clientClassifyCd": "07",
            "countryCode": "156",
            "extendInfo": {
                "carRelation": "1"
            },
            "genderCd": 2,
            "isCertEffectiveForever": "0",
            "mobilePhone": "13355665566",
            "participantName": "张三",
            "uid": "1088010006067221"
        }
    ],
    "isAgriculture": "92",
    "isEffectiveImmediately": "0",
    "isFacultativeReinsurance": "0",
    "isFromInquiry": "0",
    "isGroupPolicy": "1",
    "isSeeFee": "1",
    "isValid": 1,
    "issueOrgDTO": {
        "extendInfo": {},
        "issueOrgCode": "213703060000",
        "issueOrgCodePath": "210000000000/213700000000/213703000000/213703060000",
        "issueOrgName": "中华联合财产保险股份有限公司周村支公司",
        "issueOrgNamePath": "中华联合财产保险股份有限公司/中华联合财产保险股份有限公司山东分公司/中华联合财产保险股份有限公司淄博中心支公司/中华联合财产保险股份有限公司周村支公司"
    },
    "joinCoInsuranceDTOList": [],
    "limitDTOList": [],
    "modifiedDt": "2022-05-14T12:14:52",
    "modifier": "3708051114",
    "paymentDTO": {
        "currencyCd": "CNY",
        "extendInfo": {}
    },
    "policyEndDt": "2023-05-14T23:59:59",
    "policyPeriod": "365",
    "policyPeriodUnitCd": "3",
    "policyStartDt": "2022-05-15T00:00:00",
    "productSchemeDTO": {
        "extendInfo": {},
        "productCategoryCode": "03",
        "productCategoryName": "车险",
        "productCode": "D03003",
        "productName": "机动车综合商业保险2020版",
        "productSmallCategoryCode": "0302",
        "productSmallCategoryName": "商业险",
        "productVersion": "7",
        "schemeCode": "F03001G0001",
        "schemeTypeCd": "1",
        "schemeVersion": "1"
    },
    "proposalCopies": 1,
    "proposalCreateDt": "2022-05-14T12:06:46",
    "proposalDt": "2022-05-14T17:32:25",
    "proposalNo": "A2203003370306000000000962",
    "proposalStatusCd": "44",
    "quotationCreateDt": "2022-05-14T12:06:43",
    "quotationNo": "Q220514033703Z60000000015",
    "quotationOrderType": "2",
    "quotationStatusCd": "30",
    "recordHolderDTO": {
        "extendInfo": {},
        "orgCode": "1111",
        "orgName": "2222",
        "recordHolderEmpNo": "3708051114",
        "recordHolderName": "李娜"
    },
    "relatedThirdPartyDTOList": [],
    "relationDTOList": [],
    "schemePlanDTOList": [],
    "signDt": "2022-05-14T17:32:25",
    "specialTermDTOList": [
        {
            "extendInfo": {},
            "isAllowDelete": "1",
            "isAllowedModify": "true",
            "optional": "1",
            "sequenceNo": 111,
            "specialTermCode": "ST1005",
            "specialTermContent": "本保险单承保区域仅限中华人民共和国境内（不包含香港、澳门、台湾地区）。",
            "specialTermName": "1",
            "specialTermTypeCd": "2"
        },
        {
            "extendInfo": {},
            "isAllowDelete": "1",
            "isAllowedModify": "true",
            "optional": "1",
            "sequenceNo": 1,
            "specialTermCode": "ST1005",
            "specialTermContent": "本保险单承保区域仅限中华人民共和国境内（不包含香港、澳门、台湾地区）。",
            "specialTermName": "1",
            "specialTermTypeCd": "2"
        }
    ],
    "subjectDTOList": [
        {
            "clauseDTOList": [
                {
                    "clauseCode": "C003000002Z",
                    "clauseName": "机动车损失保险条款",
                    "coverageList": [
                        {
                            "basePremium": 2288.99,
                            "benchmarkPureRiskPremium": 1716.74,
                            "coverageCode": "CG00002",
                            "coverageDisplayName": "机动车损失保险责任",
                            "coverageName": "机动车损失保险责任",
                            "deductibleCoefficientRate": 1,
                            "deductibleList": [
                                {
                                    "deductibleAmount": 300,
                                    "deductibleLevelCd": "3",
                                    "deductibleMethodCd": "2",
                                    "deductibleTypeCd": "D00002",
                                    "deductibleTypeName": "每次事故免赔额",
                                    "deductibleTypeUnit": "Y",
                                    "extendInfo": {
                                        "amountDiscountFactor": "-0.04"
                                    },
                                    "isAccumulate": 0
                                }
                            ],
                            "endDt": "2023-05-13T23:59:59",
                            "exchangeRate": 1,
                            "extendInfo": {},
                            "followFeeList": [
                                {
                                    "configFeeRate": 0.2,
                                    "extendInfo": {},
                                    "feeRate": 0.2,
                                    "feeRateMax": 1,
                                    "feeRateMin": 0.0,
                                    "feeTypeCd": "COMMISSION",
                                    "noTaxFeeAmount": -29.07,
                                    "taxFeeAmount": -30.82
                                },
                                {
                                    "configFeeRate": 0.2,
                                    "extendInfo": {},
                                    "feeRate": 0.2,
                                    "feeRateMax": 1,
                                    "feeRateMin": 0,
                                    "feeTypeCd": "INDIVIDUAL_COMMISSION",
                                    "noTaxFeeAmount": -29.07,
                                    "taxFeeAmount": -30.82
                                },
                                {
                                    "configFeeRate": 0.1,
                                    "extendInfo": {},
                                    "feeRate": 0.1,
                                    "feeRateMax": 1,
                                    "feeRateMin": 0,
                                    "feeTypeCd": "MARKET_MAINTENANCE_EXPENSE",
                                    "noTaxFeeAmount": -14.54,
                                    "taxFeeAmount": -15.41
                                },
                                {
                                    "configFeeRate": 0.1,
                                    "extendInfo": {},
                                    "feeRate": 0.1,
                                    "feeRateMax": 1,
                                    "feeRateMin": 0,
                                    "feeTypeCd": "SALARY_PERFORMANCE",
                                    "noTaxFeeAmount": -14.54,
                                    "taxFeeAmount": -15.41
                                },
                                {
                                    "configFeeRate": 0.1,
                                    "extendInfo": {},
                                    "feeRate": 0.1,
                                    "feeRateMax": 1,
                                    "feeRateMin": 0,
                                    "feeTypeCd": "ORG_MAINTENANCE_EXPENSE",
                                    "noTaxFeeAmount": -14.54,
                                    "taxFeeAmount": -15.41
                                },
                                {
                                    "configFeeRate": 0.1,
                                    "extendInfo": {},
                                    "feeRate": 0.1,
                                    "feeRateMax": 1,
                                    "feeRateMin": 0,
                                    "feeTypeCd": "SALES_PERFORMANCE",
                                    "noTaxFeeAmount": -14.54,
                                    "taxFeeAmount": -15.41
                                },
                                {
                                    "configFeeRate": 0.1,
                                    "extendInfo": {},
                                    "feeRate": 0.1,
                                    "feeRateMax": 1,
                                    "feeRateMin": 0,
                                    "feeTypeCd": "AGR_INSURANCE_WORK_EXPENSE",
                                    "noTaxFeeAmount": -14.54,
                                    "taxFeeAmount": -15.41
                                }
                            ],
                            "insuredAmount": 212800,
                            "isReckonTotalInsuredAmount": 0,
                            "limitList": [
                                {
                                    "extendInfo": {},
                                    "isAccumulate": 0,
                                    "isLimitCondition": "0",
                                    "limitAmount": 212800,
                                    "limitCondition": "",
                                    "limitLevelCd": "3",
                                    "limitTypeCd": "L00002",
                                    "limitTypeName": "每次事故赔偿限额",
                                    "limitUnitCd": "Y"
                                }
                            ],
                            "localCurrencyBasePremium": 2288.99,
                            "localCurrencyInsuredAmount": 212800,
                            "localCurrencyNoTaxPremium": 2907.35,
                            "localCurrencySignPremium": 3081.79,
                            "localCurrencyStandardPremium": 2282.81,
                            "localCurrencyTaxAmount": 174.44,
                            "localCurrencyUnitBasePremium": 2288.99,
                            "localCurrencyUnitInsuredAmount": 212800,
                            "localCurrencyUnitSignPremium": 3081.79,
                            "localCurrencyUnitStandardPremium": 2282.81,
                            "noTaxPremium": 2907.35,
                            "quantity": 1,
                            "realDiscountRate": 1.35,
                            "relatedCoverageDTOList": [],
                            "shortRate": 0.9973,
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