# Insurance risk score (DMN)

Scoring is where a Collect hit policy earns its place: several rules match, and their outputs are summed into a single score.

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## What this example shows

* A Collect hit policy with a sum aggregator.
* Rules that deliberately overlap.
* A score that is the total of every match.

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## Columns

| **Column**                | **Type and meaning**                   |
| ------------------------- | -------------------------------------- |
| Age (input)               | number: applicant age                  |
| Claims in 5 years (input) | number: count                          |
| Vehicle group (input)     | number: 1 to 50                        |
| Points (output)           | number: contribution to the risk score |

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## The decision table

Hit policy: **C+ (Collect, sum)**. Cells are FEEL expressions, so a range, a list or a negation is a legal value; a dash means the input is irrelevant to that rule.

| **Age**    | **Claims** | **Vehicle group** | **Points** |
| ---------- | ---------- | ----------------- | ---------- |
| < 25       | \-         | \-                | 30         |
| \[25..70\] | \-         | \-                | 0          |
| \> 70      | \-         | \-                | 15         |
| \-         | 0          | \-                | 0          |
| \-         | \[1..2\]   | \-                | 20         |
| \-         | \> 2       | \-                | 45         |
| \-         | \-         | <= 10             | 0          |
| \-         | \-         | (10..30\]         | 15         |
| \-         | \-         | \> 30             | 35         |

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## Making it your own

* Collect without an aggregator returns a list. The plus sign is what makes it a sum.
* Overlapping rules are correct here, which is why Unique would be wrong.
* Keep the score-to-premium mapping in a separate decision.

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## Related

[Access level by role (DMN)Roles to permissions, with a Priority hit policy.](https://help.gocapable.com/diagrams/access-level-by-role-dmn.html)

[Discount by customer tier (DMN)Two inputs, one output, no overlaps.](https://help.gocapable.com/diagrams/discount-by-customer-tier-dmn.html)

[DMN examplesBack to the rest of these examples.](https://help.gocapable.com/diagrams/dmn-examples.html)

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_The hit policy is the whole decision._