@etherisc/gif-next 0.0.2-83d1db6-607 → 0.0.2-83e248c-054

package/contracts/instance/service/IPoolService.sol

@@ -1,12 +1,15 @@
 // SPDX-License-Identifier: Apache-2.0
 pragma solidity ^0.8.19;
 
+import {Amount} from "../../types/Amount.sol";
 import {Fee} from "../../types/Fee.sol";
 import {NftId} from "../../types/NftId.sol";
-import {IService} from "../../shared/IService.sol";
 import {IBundle} from "../module/IBundle.sol";
 import {IInstance} from "../../instance/IInstance.sol";
+import {IPolicy} from "../module/IPolicy.sol";
+import {IService} from "../../shared/IService.sol";
 import {RoleId} from "../../types/RoleId.sol";
+import {Seconds} from "../../types/Seconds.sol";
 import {StateId} from "../../types/StateId.sol";
 
 interface IPoolService is IService {
@@ -14,7 +17,11 @@ interface IPoolService is IService {
     event LogPoolServiceMaxCapitalAmountUpdated(NftId poolNftId, uint256 previousMaxCapitalAmount, uint256 currentMaxCapitalAmount);
     event LogPoolServiceBundleOwnerRoleSet(NftId poolNftId, RoleId bundleOwnerRole);
 
+    event LogPoolServiceBundleCreated(NftId instanceNftId, NftId poolNftId, NftId bundleNftId);
+    event LogPoolServiceBundleClosed(NftId instanceNftId, NftId poolNftId, NftId bundleNftId);
+
     error ErrorPoolServiceBundleOwnerRoleAlreadySet(NftId poolNftId);
+    error ErrorPoolServiceBundlePoolMismatch(NftId bundlePoolNftId, NftId productPoolNftId);
 
     /// @dev registers a new pool with the registry service
     function register(address poolAddress) external returns(NftId);
@@ -32,4 +39,61 @@ interface IPoolService is IService {
         Fee memory stakingFee,
         Fee memory performanceFee
     ) external;
+
+
+    /// @dev locks required collateral to cover the specified application (and turn it into a policy)
+    /// - retention level == 1: the full collateral amount will be locked by the specified bundle
+    /// - retention level < 1: a part of the coverage is provided by the specified bundle, the rest by the pool component
+    /// in which case the pool component might hold a re-insurance policy
+    /// may only be called by the policy service for unlocked pool components
+    function lockCollateral(
+        IInstance instance, 
+        NftId productNftId,
+        NftId applicationNftId,
+        IPolicy.PolicyInfo memory applicationInfo,
+        uint256 premiumAmount
+    ) external;
+
+
+    /// @dev releases the remaining collateral linked to the specified policy
+    /// may only be called by the policy service for unlocked pool components
+    function releaseCollateral(
+        IInstance instance, 
+        NftId policyNftId, 
+        IPolicy.PolicyInfo memory policyInfo
+    ) external;
+
+
+    /// @dev create a new bundle for the provided parameters
+    /// staking fees will be deducted by the pool service from the staking amount
+    /// may only be called by registered and unlocked pool components
+    function createBundle(
+        address owner, // initial bundle owner
+        Fee memory fee, // fees deducted from premium that go to bundle owner
+        Amount stakingAmount, // staking amount - staking fees result in initial bundle capital
+        Seconds lifetime, // initial duration for which new policies are covered
+        bytes calldata filter // optional use case specific criteria that define if a policy may be covered by this bundle
+    )
+        external 
+        returns(NftId bundleNftId); // the nft id of the newly created bundle
+
+
+    /// @dev closes the specified bundle
+    /// only open bundles (active or locked) may be closed
+    /// to close a bundle it may not have any non-closed polices attached to it
+    /// bundle fees and remaining capital (after deduction of the performance fee) will be transferred to the bundle owner
+    /// may only be called by registered and unlocked pool components
+    function closeBundle(NftId bundleNftId) external;
+
+
+    /// @dev increase stakes for bundle
+    /// staking fees will be deducted by the pool service from the staking amount
+    /// may only be called by registered and unlocked pool components
+    // function stake(NftId bundleNftId, uint256 amount) external returns(uint256 netAmount);
+
+
+    /// @dev decrease stakes for bundle
+    /// performance fees will be deducted by the pool service from the staking amount
+    /// may only be called by registered and unlocked pool components
+    // function unstake(NftId bundleNftId, uint256 amount) external returns(uint256 netAmount);
 }

package/contracts/instance/service/PolicyService.sol

@@ -14,16 +14,21 @@ import {ISetup} from "../module/ISetup.sol";
 
 import {TokenHandler} from "../../shared/TokenHandler.sol";
 
+import {Amount, AmountLib} from "../../types/Amount.sol";
+import {ClaimId, ClaimIdLib} from "../../types/ClaimId.sol";
 import {Timestamp, TimestampLib, zeroTimestamp} from "../../types/Timestamp.sol";
 import {UFixed, UFixedLib} from "../../types/UFixed.sol";
-import {ObjectType, APPLICATION, DISTRIBUTION, PRODUCT, POOL, POLICY, BUNDLE} from "../../types/ObjectType.sol";
-import {APPLIED, UNDERWRITTEN, ACTIVE, KEEP_STATE, CLOSED} from "../../types/StateId.sol";
+import {ObjectType, APPLICATION, DISTRIBUTION, PRODUCT, POOL, POLICY, BUNDLE, CLAIM} from "../../types/ObjectType.sol";
+import {APPLIED, COLLATERALIZED, ACTIVE, KEEP_STATE, CLOSED, DECLINED, CONFIRMED} from "../../types/StateId.sol";
 import {NftId, NftIdLib} from "../../types/NftId.sol";
+import {PayoutId, PayoutIdLib} from "../../types/PayoutId.sol";
 import {StateId} from "../../types/StateId.sol";
+import {VersionPart} from "../../types/Version.sol";
 
 import {ComponentService} from "../base/ComponentService.sol";
 import {IApplicationService} from "./IApplicationService.sol";
 import {IBundleService} from "./IBundleService.sol";
+import {IClaimService} from "./IClaimService.sol";
 import {IDistributionService} from "./IDistributionService.sol";
 import {InstanceReader} from "../InstanceReader.sol";
 import {IPolicyService} from "./IPolicyService.sol";
@@ -39,10 +44,11 @@ contract PolicyService is
     using NftIdLib for NftId;
     using TimestampLib for Timestamp;
 
-    IPoolService internal _poolService;
-    IBundleService internal _bundleService;
     IApplicationService internal _applicationService;
+    IBundleService internal _bundleService;
+    IClaimService internal _claimService;
     IDistributionService internal _distributionService;
+    IPoolService internal _poolService;
 
     event LogProductServiceSender(address sender);
 
@@ -58,59 +64,30 @@ contract PolicyService is
         address initialOwner;
         (registryAddress, initialOwner) = abi.decode(data, (address, address));
 
-        initializeService(registryAddress, owner);
+        initializeService(registryAddress, address(0), owner);
 
-        _poolService = IPoolService(getRegistry().getServiceAddress(POOL(), getMajorVersion()));
-        _bundleService = IBundleService(getRegistry().getServiceAddress(BUNDLE(), getMajorVersion()));
-        _applicationService = IApplicationService(getRegistry().getServiceAddress(APPLICATION(), getMajorVersion()));
-        _distributionService = IDistributionService(getRegistry().getServiceAddress(DISTRIBUTION(), getMajorVersion()));
+        VersionPart majorVersion = getVersion().toMajorPart();
+        _poolService = IPoolService(getRegistry().getServiceAddress(POOL(), majorVersion));
+        _bundleService = IBundleService(getRegistry().getServiceAddress(BUNDLE(), majorVersion));
+        _claimService = IClaimService(getRegistry().getServiceAddress(CLAIM(), majorVersion));
+        _applicationService = IApplicationService(getRegistry().getServiceAddress(APPLICATION(), majorVersion));
+        _distributionService = IDistributionService(getRegistry().getServiceAddress(DISTRIBUTION(), majorVersion));
 
         registerInterface(type(IPolicyService).interfaceId);
     }
 
 
-    function getDomain() public pure override(IService, Service) returns(ObjectType) {
+    function getDomain() public pure override returns(ObjectType) {
         return POLICY();
     }
 
 
     function _getAndVerifyInstanceAndProduct() internal view returns (Product product) {
         IRegistry.ObjectInfo memory productInfo;
-        (productInfo,) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        (, productInfo,) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
         product = Product(productInfo.objectAddress);
     }
 
-    function _getAndVerifyUnderwritingSetup(
-        IInstance instance,
-        InstanceReader instanceReader,
-        IPolicy.PolicyInfo memory policyInfo,
-        ISetup.ProductSetupInfo memory productSetupInfo
-    )
-        internal
-        view
-        returns (
-            NftId poolNftId,
-            NftId bundleNftId,
-            IBundle.BundleInfo memory bundleInfo,
-            uint256 collateralAmount
-        )
-    {
-        // check match between policy and bundle (via pool)
-        poolNftId = productSetupInfo.poolNftId;
-        bundleNftId = policyInfo.bundleNftId;
-        bundleInfo = instanceReader.getBundleInfo(bundleNftId);
-        require(bundleInfo.poolNftId == poolNftId, "POLICY_BUNDLE_MISMATCH");
-
-        // calculate required collateral
-        IComponents.ComponentInfo memory componentInfo = instanceReader.getComponentInfo(poolNftId);
-        IComponents.PoolInfo memory poolInfo = abi.decode(
-            componentInfo.data, (IComponents.PoolInfo));
-
-        // obtain remaining return values
-        // TODO required collateral amount should be calculated by pool service, not policy service
-        collateralAmount = calculateRequiredCollateral(poolInfo.collateralizationLevel, policyInfo.sumInsuredAmount);
-    }
-
 
     function decline(
         NftId policyNftId
@@ -123,7 +100,7 @@ contract PolicyService is
 
 
     /// @dev underwites application which includes the locking of the required collateral from the pool.
-    function underwrite(
+    function collateralize(
         NftId applicationNftId, // = policyNftId
         bool requirePremiumPayment,
         Timestamp activateAt
@@ -132,42 +109,23 @@ contract PolicyService is
         virtual override
     {
         // check caller is registered product
-        IInstance instance;
-        InstanceReader instanceReader;
-        NftId productNftId;
-        {
-            IRegistry.ObjectInfo memory productInfo;
-            (productInfo, instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
-            instanceReader = instance.getInstanceReader();
-            productNftId = productInfo.nftId;
-        }
+        (NftId productNftId,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        InstanceReader instanceReader = instance.getInstanceReader();
 
         // check policy matches with calling product
-        IPolicy.PolicyInfo memory policyInfo = instanceReader.getPolicyInfo(applicationNftId);
-        require(policyInfo.productNftId == productNftId, "POLICY_PRODUCT_MISMATCH");
+        IPolicy.PolicyInfo memory applicationInfo = instanceReader.getPolicyInfo(applicationNftId);
+        require(applicationInfo.productNftId == productNftId, "POLICY_PRODUCT_MISMATCH");
 
         // check policy is in state applied
         require(instanceReader.getPolicyState(applicationNftId) == APPLIED(), "ERROR:PRS-021:STATE_NOT_APPLIED");
         
-        (
-            NftId poolNftId,
-            NftId bundleNftId,
-            IBundle.BundleInfo memory bundleInfo,
-            uint256 collateralAmount
-        ) = _getAndVerifyUnderwritingSetup(
-            instance,
-            instanceReader,
-            policyInfo,
-            instanceReader.getProductSetupInfo(productNftId)
-        );
-        
-        StateId newPolicyState = UNDERWRITTEN();
+        StateId newPolicyState = COLLATERALIZED();
 
         // optional activation of policy
         if(activateAt > zeroTimestamp()) {
             newPolicyState = ACTIVE();
-            policyInfo.activatedAt = activateAt;
-            policyInfo.expiredAt = activateAt.addSeconds(policyInfo.lifetime);
+            applicationInfo.activatedAt = activateAt;
+            applicationInfo.expiredAt = activateAt.addSeconds(applicationInfo.lifetime);
         }
 
         // lock bundle collateral
@@ -178,48 +136,25 @@ contract PolicyService is
             netPremiumAmount = _processPremiumByTreasury(
                 instance, 
                 applicationNftId, 
-                policyInfo.premiumAmount);
+                applicationInfo.premiumAmount);
 
-            policyInfo.premiumPaidAmount += policyInfo.premiumAmount;
+            applicationInfo.premiumPaidAmount += applicationInfo.premiumAmount;
         }
 
-        // lock collateral and update bundle book keeping
-        // TODO introduct indirection via pool service?
-        // well pool would only need to be involved when a part of the collateral
-        // is provided by a "re insurance policy" of the pool
-        // but then again the policiy would likely best be attached to the bundle. really? why?
-        // retention level: fraction of sum insured that product will cover from pool funds directly
+        // store updated policy info
+        instance.updatePolicy(applicationNftId, applicationInfo, newPolicyState);
+
+        // lock collateral and update pool and bundle book keeping
+        // pool retention level: fraction of sum insured that product will cover from pool funds directly
         // eg retention level 30%, payouts up to 30% of the sum insured will be made from the product's pool directly
         // for the remaining 70% the pool owns a policy that will cover claims that exceed the 30% of the sum insured
-        // open points:
-        // - do we need a link of a bundle to this policy or is it enough to know that the pool has an active policy?
-        // - when to buy such policies and for which amount? manual trigger or link to bundle creation and/or funding?
-        bundleInfo = _bundleService.lockCollateral(
+        // might also call pool component (for isVerifyingApplications pools)
+        _poolService.lockCollateral(
             instance,
+            productNftId,
             applicationNftId, 
-            bundleNftId,
-            collateralAmount,
-            netPremiumAmount);
-
-        instance.updatePolicy(applicationNftId, policyInfo, newPolicyState);
-
-        // also verify/confirm application by pool if necessary
-        if(abi.decode(
-            instanceReader.getComponentInfo(poolNftId).data, 
-            (IComponents.PoolInfo)
-            ).isVerifyingApplications
-        )
-        {
-            IPoolComponent pool = IPoolComponent(
-                getRegistry().getObjectInfo(poolNftId).objectAddress);
-
-            pool.verifyApplication(
-                applicationNftId, 
-                policyInfo.applicationData, 
-                bundleNftId,
-                bundleInfo.filter,
-                collateralAmount);
-        }
+            applicationInfo,
+            netPremiumAmount); // for pool book keeping (fee + additional capital)
 
         // TODO: add logging
     }
@@ -233,7 +168,7 @@ contract PolicyService is
 
     function collectPremium(NftId policyNftId, Timestamp activateAt) external override {
         // check caller is registered product
-        (IRegistry.ObjectInfo memory productInfo, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        (NftId productNftId,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
         InstanceReader instanceReader = instance.getInstanceReader();
         IPolicy.PolicyInfo memory policyInfo = instanceReader.getPolicyInfo(policyNftId);
 
@@ -262,7 +197,7 @@ contract PolicyService is
 
     function activate(NftId policyNftId, Timestamp activateAt) public override {
         // check caller is registered product
-        (, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        (,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
         InstanceReader instanceReader = instance.getInstanceReader();
 
         IPolicy.PolicyInfo memory policyInfo = instanceReader.getPolicyInfo(policyNftId);
@@ -296,7 +231,7 @@ contract PolicyService is
         external 
         override
     {
-        (, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        (,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
         InstanceReader instanceReader = instance.getInstanceReader();
 
         IPolicy.PolicyInfo memory policyInfo = instanceReader.getPolicyInfo(policyNftId);
@@ -314,6 +249,7 @@ contract PolicyService is
             revert ErrorIPolicyServicePolicyAlreadyClosed(policyNftId);
         }
 
+        // TODO consider to allow for underpaid premiums (with the effects of reducing max payouts accordingly)
         if (policyInfo.premiumAmount != policyInfo.premiumPaidAmount) {
             revert ErrorIPolicyServicePremiumNotFullyPaid(policyNftId, policyInfo.premiumAmount, policyInfo.premiumPaidAmount);
         }
@@ -322,16 +258,215 @@ contract PolicyService is
             revert ErrorIPolicyServiceOpenClaims(policyNftId, policyInfo.openClaimsCount);
         }
 
-        if (TimestampLib.blockTimestamp().lte(policyInfo.expiredAt) && (policyInfo.payoutAmount < policyInfo.sumInsuredAmount)) {
-            revert ErrorIPolicyServicePolicyHasNotExpired(policyNftId, policyInfo.expiredAt);
-        }
-
         policyInfo.closedAt = TimestampLib.blockTimestamp();
 
-        _bundleService.closePolicy(instance, policyNftId, policyInfo.bundleNftId, policyInfo.sumInsuredAmount);
+        _poolService.releaseCollateral(
+            instance, 
+            policyNftId, 
+            policyInfo);
+
         instance.updatePolicy(policyNftId, policyInfo, CLOSED());
     }
 
+    function submitClaim(
+        NftId policyNftId, 
+        Amount claimAmount,
+        bytes memory claimData
+    )
+        external
+        virtual
+        returns (ClaimId claimId)
+    {
+        (
+            IInstance instance,
+            InstanceReader instanceReader,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check policy is in its active period
+        if(policyInfo.activatedAt.eqz() || TimestampLib.blockTimestamp() >= policyInfo.expiredAt) {
+            revert ErrorPolicyServicePolicyNotOpen(policyNftId);
+        }
+
+        // check policy including this claim is still within sum insured
+        if(policyInfo.payoutAmount.toInt() + claimAmount.toInt() > policyInfo.sumInsuredAmount) {
+            revert ErrorPolicyServiceClaimExceedsSumInsured(
+                policyNftId, 
+                AmountLib.toAmount(policyInfo.sumInsuredAmount), 
+                AmountLib.toAmount(policyInfo.payoutAmount.toInt() + claimAmount.toInt()));
+        }
+
+        // create new claim
+        claimId = ClaimIdLib.toClaimId(policyInfo.claimsCount + 1);
+        _claimService.submit(instance, policyNftId, claimId, claimAmount, claimData);
+
+        // update and save policy info with instance
+        policyInfo.claimsCount += 1;
+        policyInfo.openClaimsCount += 1;
+        instance.updatePolicy(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogPolicyServiceClaimSubmitted(policyNftId, claimId, claimAmount);
+    }
+
+    function confirmClaim(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount confirmedAmount
+    )
+        external
+    {
+        (
+            IInstance instance,
+            InstanceReader instanceReader,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        _claimService.confirm(instance, instanceReader, policyNftId, claimId, confirmedAmount);
+
+        // update and save policy info with instance
+        instance.updatePolicy(policyNftId, policyInfo, CONFIRMED());
+
+        emit LogPolicyServiceClaimConfirmed(policyNftId, claimId, confirmedAmount);
+    }
+
+    function declineClaim(
+        NftId policyNftId, 
+        ClaimId claimId
+    )
+        external
+    {
+        (
+            IInstance instance,
+            InstanceReader instanceReader,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        _claimService.decline(instance, instanceReader, policyNftId, claimId);
+
+        // update and save policy info with instance
+        policyInfo.openClaimsCount -= 1;
+        instance.updatePolicy(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogPolicyServiceClaimDeclined(policyNftId, claimId);
+    }
+
+    function closeClaim(
+        NftId policyNftId, 
+        ClaimId claimId
+    )
+        external
+    {
+        (
+            IInstance instance,
+            InstanceReader instanceReader,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        _claimService.close(instance, instanceReader, policyNftId, claimId);
+
+        // update and save policy info with instance
+        policyInfo.openClaimsCount -= 1;
+        instance.updatePolicy(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogPolicyServiceClaimClosed(policyNftId, claimId);
+    }
+
+    function createPayout(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount amount,
+        bytes memory data
+    )
+        external
+        returns (PayoutId payoutId)
+    {
+        (
+            IInstance instance,
+            InstanceReader instanceReader,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        IPolicy.ClaimInfo memory claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
+        StateId claimState = instanceReader.getClaimState(policyNftId, claimId);
+
+        // TODO add checks
+        // claim needs to be open
+        // claim.paidAmount + amount <= claim.claimAmount
+
+        // check/update claim info
+        uint8 claimNo = claimInfo.payoutsCount + 1;
+        payoutId = PayoutIdLib.toPayoutId(claimId, claimNo);
+        _claimService.createPayout(
+            instance, 
+            policyNftId, 
+            payoutId,
+            amount,
+            data);
+
+        // update and save policy info with instance
+        policyInfo.payoutAmount.add(amount);
+        instance.updatePolicy(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogPolicyServicePayoutCreated(policyNftId, payoutId, amount);
+    }
+
+    function processPayout(
+        NftId policyNftId, 
+        PayoutId payoutId
+    )
+        external
+    {
+        (
+            IInstance instance,
+            InstanceReader instanceReader,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        (
+            Amount amount,
+            bool payoutIsClosingClaim
+        ) = _claimService.processPayout(
+            instance, 
+            instanceReader, 
+            policyNftId, 
+            payoutId);
+
+        // update policy info if affected by processed payout
+        if(payoutIsClosingClaim) {
+            policyInfo.openClaimsCount -= 1;
+            instance.updatePolicy(policyNftId, policyInfo, KEEP_STATE());
+        }
+
+        emit LogPolicyServicePayoutProcessed(policyNftId, payoutId, amount);
+    }
+
+    function _verifyCallerWithPolicy(
+        NftId policyNftId
+    )
+        internal
+        returns (
+            IInstance instance,
+            InstanceReader instanceReader,
+            IPolicy.PolicyInfo memory policyInfo
+        )
+    {
+        NftId productNftId;
+        (productNftId,, instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        instanceReader = instance.getInstanceReader();
+
+        // check caller(product) policy match
+        policyInfo = instanceReader.getPolicyInfo(policyNftId);
+        if(policyInfo.productNftId != productNftId) {
+            revert ErrorPolicyServicePolicyProductMismatch(policyNftId, 
+            policyInfo.productNftId, 
+            productNftId);
+        }
+    }
+
     function _getPoolNftId(
         IInstance instance,
         NftId productNftId
@@ -349,13 +484,13 @@ contract PolicyService is
     function _processPremiumByTreasury(
         IInstance instance,
         NftId policyNftId,
-        uint256 premiumAmount
+        uint256 premiumExpectedAmount
     )
         internal
         returns (uint256 netPremiumAmount)
     {
         // process token transfer(s)
-        if(premiumAmount > 0) {
+        if(premiumExpectedAmount > 0) {
             NftId productNftId = getRegistry().getObjectInfo(policyNftId).parentNftId;
             ISetup.ProductSetupInfo memory productSetupInfo = instance.getInstanceReader().getProductSetupInfo(productNftId);
             IPolicy.PolicyInfo memory policyInfo = instance.getInstanceReader().getPolicyInfo(policyNftId);
@@ -372,8 +507,11 @@ contract PolicyService is
                 policyInfo.referralId
                 );
 
-            if (premium.premiumAmount != premiumAmount) {
-                revert ErrorIPolicyServicePremiumMismatch(policyNftId, premiumAmount, premium.premiumAmount);
+            if (premium.premiumAmount != premiumExpectedAmount) {
+                revert ErrorIPolicyServicePremiumMismatch(
+                    policyNftId, 
+                    premiumExpectedAmount, 
+                    premium.premiumAmount);
             }
 
             // move product fee to product wallet