Insurance
Insurance in BOC is a company, a policy that belongs to that company, a link on the client file, and bills that stay outstanding until a collection is recorded against them.
What insurance keeps
You keep insurance companies, and policies under a company. A policy that does not belong to the company you picked is rejected. On the client file you choose both the company and the policy, so the file is not labelled with a company name and a policy from somewhere else. Services can sit on the policy. The bill then tracks what is still outstanding from the insurer, in the bill’s currency. A collection records money received against those outstanding bills: the amount, the currency, a method, a reference, and the time. One collection covers one company. It cannot mix two companies, and it cannot mix two bill currencies. If you collect in a different currency, you enter an exchange rate. You cannot collect more than the remaining insurer balance.
The client still pays what the visit says they pay, at the cashier, as due, paid, and remaining. Insurance is the other side: what the company still owes on its bills, and what you have collected from that company. It is not a claim that a ministry approved the treatment. The screen is behind the insurance switch. A barbershop that does not bill an insurer leaves it off.
What makes it different
A note that says “insured” does not tell you which policy, which currency, or how much of the insurer balance is still open. BOC keeps the company, the policy, the outstanding bills, and the collection as records you can open again. A second collection of the same request does not create a second payment when the same idempotency key is sent.
After the visit
The visit happens as usual. Staff booked it. The practitioner may have seen the person in the doctor room. The cashier takes the part the client pays. On the file, the company and the policy are already chosen, and they match. The insurer side is a bill with an outstanding balance, not a sentence in the notes. When the company pays, you record a collection against the open bills of that company only, in one currency, or with a rate if the money arrived in another currency. If the amount is above what is still open, BOC refuses it. You do not park the extra in a vague credit. A clinic that bills insurers uses this. A salon that never does can ignore the switch and keep appointments, files, and the cashier.
How it works in BOC
- Add the company and the policy. The policy has to belong to that company. A mismatch is rejected.
- Link them on the file. Choose both on the client file. The name alone is not enough.
- Read the outstanding bill. The bill shows what is still open from the insurer, in its currency.
- Collect from one company. A collection covers one company and one bill currency. A different currency needs a rate.
- Stop at the open balance. You cannot collect more than the remaining insurer balance.
Who it is for
Clinics A clinic separates what the patient paid at the cashier from what the insurer still owes.
Dental clinics A dental clinic links the policy on the same file as the chart and the visit.
Dermatology and laser A dermatology clinic collects from one insurer without mixing a second company’s bills.
Beauty salons A salon that does not bill insurers leaves the switch off.
Spas A spa leaves insurance off unless a treatment is actually billed to a company.
Barbershops A barbershop does not need companies, policies, or insurer collections.
Physiotherapy A physiotherapy practice keeps the policy on the file and the outstanding bill beside the return visits.
Sports clubs A club leaves insurance off. Member payments stay at the cashier.
Concrete benefits
- A policy must belong to the company on the file.
- Bills keep the outstanding insurer balance in the bill currency.
- One collection is one company and one bill currency.
- A different collection currency needs an exchange rate.
- The client’s own payment stays at the cashier.
Questions
Can I attach any policy to any company?
No. The policy has to belong to that company, or BOC rejects the link.
What does a collection record?
Money received against outstanding bills of one company: amount, currency, method, reference, and time.
Can one collection mix companies?
No. One collection covers one company, and one bill currency.
What if I collect too much?
BOC refuses a collection above the remaining insurer balance.
Does this replace the cashier?
No. The client’s due, paid, and remaining stay at the cashier. Insurance is the company side.
Does every business need it?
No. Leave the switch off when you do not bill an insurer.