MERGE_TEST_BUG_FIXES

.env.sample

@@ -180,6 +180,23 @@ bds.installmentReminder.daily = true
 # Comma-separated weekdays (mon,tue,wed,thu,fri,sat,sun) — used only when daily = false
 bds.installmentReminder.days = mon,tue,wed,thu,fri
 
+# Policy Transaction Renewal Reminder — used by sendRenewalReminderMail cron
+pt.renewalReminder.enabled = true
+pt.renewalReminder.daily = true
+pt.renewalReminder.days = mon,tue,wed,thu,fri
+# Client types: 1=Group, 2=Individual
+pt.renewalReminder.clientTypes = 1,2
+# renewal_date | policy_end_date
+pt.renewalReminder.dateField = renewal_date
+pt.renewalReminder.daysBefore = 30
+pt.renewalReminder.includeClientEmail = true
+# When true, also send for policies whose dateField is already past (overdue)
+pt.renewalReminder.includeOverdue = false
+pt.renewalReminder.toEmails =
+pt.renewalReminder.ccEmails =
+pt.renewalReminder.bccEmails =
+pt.renewalReminder.fromMail =
+
 
 #--------------------------------------------------------------------
 # MEDI ASSIST WELLNESS SSO Configuration

app/Config/Filters.php

@@ -70,7 +70,7 @@ class Filters extends BaseConfig
             'HttpRequestLog' => ['except' => 'cli/*'],
             'Cors',
             'AclFilter' => ['except' => ['login', 'logout', 'auth/*', 'oauth2callback','claim-form-download', 'claims-feedback-form', 'autobookstackLogin','employeeRest/*','processjob','getCommission','downloadEmployeeEcardZip', 'downloadClaimFile/*', 'api/v1/*', 'cronCdLowBalanceAlert', 'sendCroneRemainderMail']],
-            'SecurityInputFilter' => ['except' => ['/client/notification/create','/ticket/crud_mail_template/*','test_mail','leads/sendMail', 'ticket/reply'] ],
+            'SecurityInputFilter' => ['except' => ['/client/notification/create','/ticket/crud_mail_template/*','test_mail','leads/sendMail', 'ticket/reply', 'policy_tranction/retail-policy/template', 'policy_tranction/retail-policy/send-test-mail'] ],
             'GlobalPostFileUploadGuard'
             // 'csrf',
             // 'invalidchars',

app/Config/PtRenewalReminderConfig.php

@@ -0,0 +1,321 @@
+<?php
+
+namespace Config;
+
+use CodeIgniter\Config\BaseConfig;
+use Config\Database;
+
+class PtRenewalReminderConfig extends BaseConfig
+{
+    public bool $enabled = false;
+
+    public bool $daily = false;
+
+    /** @var string[] Lowercase three-letter day abbreviations, e.g. mon, tue */
+    public array $days = [];
+
+    /** @var int[] Client type ids: 1=Group, 2=Individual */
+    public array $clientTypes = [];
+
+    /** Whitelisted: renewal_date | policy_end_date */
+    public string $dateField = 'renewal_date';
+
+    public int $daysBefore = 30;
+
+    public bool $includeClientEmail = false;
+
+    /** When true, also include policies whose dateField is already past */
+    public bool $includeOverdue = false;
+
+    /** @var string[] */
+    public array $toEmails = [];
+
+    /** @var string[] */
+    public array $ccEmails = [];
+
+    /** @var string[] */
+    public array $bccEmails = [];
+
+    public string $fromMail = '';
+
+    /** Loaded from notifications.subject when present */
+    public string $mailSubject = '';
+
+    /** Loaded from notifications.mail_content when present */
+    public string $mailContent = '';
+
+    public ?int $notificationId = null;
+
+    private const ALLOWED_DATE_FIELDS = ['renewal_date', 'policy_end_date'];
+
+    public const TEMPLATE_NAME = 'retail_reminder_mail';
+
+    public function __construct()
+    {
+        parent::__construct();
+
+        // Env defaults (seed / fallback)
+        $defaults = [
+            'enabled'            => env('pt.renewalReminder.enabled', 'true'),
+            'daily'              => env('pt.renewalReminder.daily', 'true'),
+            'days'               => env('pt.renewalReminder.days', 'mon,tue,wed,thu,fri'),
+            'clientTypes'        => env('pt.renewalReminder.clientTypes', '2'),
+            'dateField'          => env('pt.renewalReminder.dateField', 'renewal_date'),
+            'daysBefore'         => env('pt.renewalReminder.daysBefore', 30),
+            'includeClientEmail' => env('pt.renewalReminder.includeClientEmail', 'true'),
+            'includeOverdue'     => env('pt.renewalReminder.includeOverdue', 'false'),
+            'toEmails'           => env('pt.renewalReminder.toEmails', ''),
+            'ccEmails'           => env('pt.renewalReminder.ccEmails', ''),
+            'bccEmails'          => env('pt.renewalReminder.bccEmails', ''),
+            'fromMail'           => env('pt.renewalReminder.fromMail', ''),
+        ];
+
+        $dbConfig = $this->loadConfigFromNotification();
+        $merged   = array_merge($defaults, $dbConfig);
+
+        $this->applyMergedConfig($merged);
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private function loadConfigFromNotification(): array
+    {
+        try {
+            $db = Database::connect();
+            $row = $db->table('notifications')
+                ->where('template_name', self::TEMPLATE_NAME)
+                ->groupStart()
+                    ->where('client_id', null)
+                    ->orWhere('client_id', 0)
+                    ->orWhere('client_id', '')
+                ->groupEnd()
+                ->orderBy('id', 'DESC')
+                ->get()
+                ->getRowArray();
+
+            if (empty($row)) {
+                log_message('error', '[PtRenewalReminderConfig] No notifications row for retail_reminder_mail; using env defaults');
+                return [];
+            }
+
+            $this->notificationId = isset($row['id']) ? (int) $row['id'] : null;
+            $this->mailSubject    = trim((string) ($row['subject'] ?? ''));
+            $this->mailContent    = (string) ($row['mail_content'] ?? '');
+
+            $json = trim((string) ($row['config_json'] ?? ''));
+            if ($json === '') {
+                log_message('error', '[PtRenewalReminderConfig] config_json empty for notification_id=' . ($this->notificationId ?? 'n/a'));
+                return [];
+            }
+
+            $decoded = json_decode($json, true);
+            if (! is_array($decoded)) {
+                log_message('error', '[PtRenewalReminderConfig] Invalid config_json for notification_id=' . ($this->notificationId ?? 'n/a'));
+                return [];
+            }
+
+            return $decoded;
+        } catch (\Throwable $e) {
+            log_message(
+                'error',
+                '[PtRenewalReminderConfig] Failed loading notification config: ' . $e->getMessage()
+            );
+            return [];
+        }
+    }
+
+    /**
+     * @param array<string, mixed> $merged
+     */
+    private function applyMergedConfig(array $merged): void
+    {
+        $this->enabled = $this->toBool($merged['enabled'] ?? false);
+        $this->daily   = $this->toBool($merged['daily'] ?? false);
+
+        $daysRaw = $merged['days'] ?? 'mon,tue,wed,thu,fri';
+        if (is_array($daysRaw)) {
+            $daysRaw = implode(',', $daysRaw);
+        }
+        $this->days = array_values(array_filter(array_map(
+            static fn (string $day): string => strtolower(substr(trim($day), 0, 3)),
+            explode(',', (string) $daysRaw)
+        )));
+
+        $clientTypesRaw = $merged['clientTypes'] ?? '2';
+        if (is_array($clientTypesRaw)) {
+            $this->clientTypes = array_values(array_unique(array_filter(array_map(
+                static fn ($type): int => (int) $type,
+                $clientTypesRaw
+            ), static fn (int $type): bool => $type > 0)));
+        } else {
+            $this->clientTypes = array_values(array_unique(array_filter(array_map(
+                static fn (string $type): int => (int) trim($type),
+                explode(',', (string) $clientTypesRaw)
+            ), static fn (int $type): bool => $type > 0)));
+        }
+
+        $dateField = strtolower(trim((string) ($merged['dateField'] ?? 'renewal_date')));
+        if (! in_array($dateField, self::ALLOWED_DATE_FIELDS, true)) {
+            log_message(
+                'error',
+                '[PtRenewalReminderConfig] Invalid dateField "' . $dateField . '", falling back to renewal_date'
+            );
+            $dateField = 'renewal_date';
+        }
+        $this->dateField = $dateField;
+
+        $this->daysBefore = max(0, (int) ($merged['daysBefore'] ?? 30));
+
+        $this->includeClientEmail = $this->toBool($merged['includeClientEmail'] ?? true);
+        $this->includeOverdue     = $this->toBool($merged['includeOverdue'] ?? false);
+
+        $this->toEmails  = $this->parseEmailList($merged['toEmails'] ?? '');
+        $this->ccEmails  = $this->parseEmailList($merged['ccEmails'] ?? '');
+        $this->bccEmails = $this->parseEmailList($merged['bccEmails'] ?? '');
+        $this->fromMail  = trim((string) ($merged['fromMail'] ?? ''));
+    }
+
+    public function shouldRunToday(): bool
+    {
+        if (! $this->enabled) {
+            return false;
+        }
+
+        if ($this->daily) {
+            return true;
+        }
+
+        $today = strtolower(date('D'));
+
+        return in_array($today, $this->days, true);
+    }
+
+    public function getDateField(): string
+    {
+        return $this->dateField;
+    }
+
+    public function getDaysBefore(): int
+    {
+        return $this->daysBefore;
+    }
+
+    /**
+     * @return int[]
+     */
+    public function getClientTypes(): array
+    {
+        return $this->clientTypes;
+    }
+
+    /**
+     * @return string[]
+     */
+    public function getToEmails(): array
+    {
+        return $this->toEmails;
+    }
+
+    /**
+     * @return string[]
+     */
+    public function getCcEmails(): array
+    {
+        return $this->ccEmails;
+    }
+
+    /**
+     * @return string[]
+     */
+    public function getBccEmails(): array
+    {
+        return $this->bccEmails;
+    }
+
+    public function getFromMail(): string
+    {
+        return $this->fromMail;
+    }
+
+    public function includeClientEmail(): bool
+    {
+        return $this->includeClientEmail;
+    }
+
+    public function includeOverdue(): bool
+    {
+        return $this->includeOverdue;
+    }
+
+    public function getMailSubject(): string
+    {
+        return $this->mailSubject;
+    }
+
+    public function getMailContent(): string
+    {
+        return $this->mailContent;
+    }
+
+    /**
+     * Flatten config for UI / API response.
+     *
+     * @return array<string, mixed>
+     */
+    public function toArray(): array
+    {
+        return [
+            'enabled'            => $this->enabled,
+            'daily'              => $this->daily,
+            'days'               => implode(',', $this->days),
+            'clientTypes'        => $this->clientTypes,
+            'dateField'          => $this->dateField,
+            'daysBefore'         => $this->daysBefore,
+            'includeClientEmail' => $this->includeClientEmail,
+            'includeOverdue'     => $this->includeOverdue,
+            'toEmails'           => implode(',', $this->toEmails),
+            'ccEmails'           => implode(',', $this->ccEmails),
+            'bccEmails'          => implode(',', $this->bccEmails),
+            'fromMail'           => $this->fromMail,
+        ];
+    }
+
+    /**
+     * @return string[]
+     */
+    private function parseEmailList(mixed $value): array
+    {
+        if ($value === null || $value === '') {
+            return [];
+        }
+
+        if (is_array($value)) {
+            $emails = array_map('trim', $value);
+        } else {
+            $emails = array_map('trim', explode(',', (string) $value));
+        }
+
+        $unique = [];
+        foreach ($emails as $email) {
+            if ($email === '' || ! filter_var($email, FILTER_VALIDATE_EMAIL)) {
+                continue;
+            }
+            $key = strtolower($email);
+            if (! isset($unique[$key])) {
+                $unique[$key] = $email;
+            }
+        }
+
+        return array_values($unique);
+    }
+
+    private function toBool(mixed $value): bool
+    {
+        if (is_bool($value)) {
+            return $value;
+        }
+
+        return in_array(strtolower((string) $value), ['1', 'true', 'yes', 'on'], true);
+    }
+}

app/Config/Routes.php

@@ -541,6 +541,8 @@ $routes->group("/util", ["filter" => "authMVC"], function ($routes) {
 
 $routes->get("policy_tranction/sendInstallmentRemainderMail","PolicyTransactionController::sendInstallmentRemainderMail");
 $routes->cli("cli/sendInstallmentRemainderMail","PolicyTransactionController::sendInstallmentRemainderMail");
+$routes->get("policy_tranction/sendRenewalReminderMail","PolicyTransactionController::sendRenewalReminderMail");
+$routes->cli("cli/sendRenewalReminderMail","PolicyTransactionController::sendRenewalReminderMail");
 $routes->cli("cli/cronDailyBDSReport", "PolicyTransactionController::cronDailyBDSReport");
 $routes->cli('cli/croneDailyActivityReport', 'DashboardController::croneDailyActivityReport');
 
@@ -561,6 +563,17 @@ $routes->group("policy_tranction", ["filter" => "authMVC"], function ($routes) {
     $routes->post("getMoreInfo","PolicyTransactionController::getMoreInfo");
     $routes->post("saveInstallment","PolicyTransactionController::saveInstallment");
 
+    $routes->group("retail-policy", ["filter" => "authMVC"], function ($routes) {
+        $routes->get('list', 'PolicyTransactionController::retailPolicyList');
+        $routes->post('list-data', 'PolicyTransactionController::retailPolicyListData');
+        $routes->post('mark-renewed', 'PolicyTransactionController::markRetailPolicyRenewed');
+        $routes->get('config', 'PolicyTransactionController::getRetailReminderConfig');
+        $routes->post('config', 'PolicyTransactionController::saveRetailReminderConfig');
+        $routes->get('template', 'PolicyTransactionController::getRetailReminderTemplate');
+        $routes->post('template', 'PolicyTransactionController::saveRetailReminderTemplate');
+        $routes->post('send-test-mail', 'PolicyTransactionController::sendRetailReminderTestMail');
+    });
+
     $routes->group("inception", ["filter" => "authMVC"], function ($routes) {
         $routes->match(['get', 'post'], 'list', 'PolicyTransactionController::viewInception');
         $routes->post('list/datatable', 'PolicyTransactionController::inceptionListDataTable');

app/Controllers/EmployeeRestController.php

@@ -7732,14 +7732,16 @@ class EmployeeRestController extends AdminController
 
                 $benefits = [];
                 if (!empty($termsArray['enrollment_display_key']) && is_array($termsArray['enrollment_display_key'])) {
-                    $benefits = $termsArray['enrollment_display_key'];
+                    $benefits = $this->normalizePolicyTermsKeys($termsArray['enrollment_display_key']);
                 } else {
-                    $benefits = $this->policyTermsFiter($termsRaw, $ticketMeta['policy_group']);
+                    $benefits = $this->normalizePolicyTermsKeys(
+                        $this->policyTermsFiter($termsRaw, $ticketMeta['policy_group']) ?: []
+                    );
                 }
 
                 $policyTerms = [];
                 if (!empty($termsArray['enrollment_display_key']) && is_array($termsArray['enrollment_display_key'])) {
-                    $policyTerms = $termsArray['enrollment_display_key'];
+                    $policyTerms = $this->normalizePolicyTermsKeys($termsArray['enrollment_display_key']);
                 }
 
                 $familyFloaters = $this->extractFamilyFloaters($termsArray);
@@ -8032,6 +8034,36 @@ class EmployeeRestController extends AdminController
         return number_format((float) $amount, 0, '.', ',');
     }
 
+    /**
+     * Normalize enrollment_display_key terms:
+     * - "Room Rent Limit" => room_rent_limit
+     * - whitespace-only values => ""
+     */
+    private function normalizePolicyTermsKeys(array $terms): array
+    {
+        $normalized = [];
+
+        foreach ($terms as $key => $value) {
+            $snakeKey = strtolower(trim((string) $key));
+            $snakeKey = preg_replace('/[^a-z0-9]+/', '_', $snakeKey);
+            $snakeKey = trim($snakeKey, '_');
+
+            if (is_string($value)) {
+                $value = trim($value);
+            } elseif (is_array($value)) {
+                $value = $this->normalizePolicyTermsKeys($value);
+            }
+
+            if ($snakeKey === '') {
+                continue;
+            }
+
+            $normalized[$snakeKey] = $value;
+        }
+
+        return $normalized;
+    }
+
     private function buildPremiumDetails(array $coveredMembers, int $policyTypeId): array
     {
         $siValue      = 0;

app/Controllers/VoloApiController.php

@@ -906,7 +906,7 @@ class VoloApiController extends BaseController
     }
 
     /**
-     * E-card PDF — returns a data URL the app can open, or null on failure.
+     * E-card PDF — saves base64 PDF to public/tmp and returns a downloadable URL, or null on failure.
      *
      * @param string|null $voloEmployeeId Volo/TPA employee or member id stored in employee_polices.tpa_id
      */
@@ -919,13 +919,15 @@ class VoloApiController extends BaseController
         }
 
         $entityId = $this->resolveEntityId((string) $policy_no);
+        log_message('error', 'VOLO - Ecard | entity id: ' . $entityId . ' | policy_no: ' . $policy_no . ' | voloEmployeeId: ' . $voloEmployeeId);
         if ($entityId === null) {
             log_message('error', 'VOLO - Ecard | entity id not resolved | policy: ' . ($policy_no ?? ''));
 
             return null;
         }
 
-        $res = $this->getEcardPdfRequest((string) $voloEmployeeId, $entityId);
+        $res = $this->getEcardPdfRequest((string) $emp_code, $entityId);
+        log_message('error', 'VOLO - Ecard | res: ' . json_encode($res));
         if (empty($res['status']) || !is_array($res['data'])) {
             log_message('error', 'VOLO - Ecard FAILED | ' . json_encode($res));
 
@@ -939,6 +941,38 @@ class VoloApiController extends BaseController
             return null;
         }
 
-        return 'data:application/pdf;base64,' . $body;
+        // Strip data-URI prefix if the API already included it.
+        if (stripos($body, 'base64,') !== false) {
+            $body = substr($body, strpos($body, 'base64,') + 7);
+        }
+
+        $pdfBinary = base64_decode($body, true);
+        if ($pdfBinary === false || $pdfBinary === '') {
+            log_message('error', 'VOLO - Ecard FAILED | base64 decode failed | emp_code: ' . ($emp_code ?? ''));
+
+            return null;
+        }
+
+        $dir = FCPATH . 'tmp/';
+        if (!is_dir($dir) && !mkdir($dir, 0775, true) && !is_dir($dir)) {
+            log_message('error', 'VOLO - Ecard FAILED | cannot create dir: ' . $dir);
+
+            return null;
+        }
+
+        $safeEmp = preg_replace('/[^A-Za-z0-9_-]/', '_', (string) $emp_code) ?: 'emp';
+        $fileName = 'volo_ecard_' . $safeEmp . '_' . time() . '_' . bin2hex(random_bytes(4)) . '.pdf';
+        $filePath = $dir . $fileName;
+
+        if (file_put_contents($filePath, $pdfBinary) === false) {
+            log_message('error', 'VOLO - Ecard FAILED | cannot write file: ' . $filePath);
+
+            return null;
+        }
+
+        $downloadUrl = base_url('public/tmp/' . $fileName);
+        log_message('error', 'VOLO - Ecard SUCCESS | url: ' . $downloadUrl);
+
+        return $downloadUrl;
     }
 }

app/Models/NotificationModel.php

@@ -8,5 +8,5 @@ class NotificationModel extends Model
 {
     protected $table            = 'notifications';
     protected $primaryKey       = 'id';
-    protected $allowedFields    = ["id","client_id","template_name","subject","mail_content","enabled","created_by","updated_by","is_active",'mail_content_json','common_mail'];
+    protected $allowedFields    = ["id","client_id","template_name","subject","mail_content","enabled","created_by","updated_by","is_active",'mail_content_json','common_mail','config_json'];
 }

app/Models/PolicyTransactionModel.php

@@ -62,6 +62,7 @@
             'etat_band',
             'edate',
             'renewal_date',
+            'renewal_status',
             'rollover_date',
             'policy_holder_name',
             'same_as_proposer',
@@ -2126,6 +2127,311 @@
             // print($this->db->getLastQuery()); die;
             return $results;
         }
+
+        /**
+         * Candidates for policy_transaction renewal reminder cron.
+         *
+         * @param string $dateField Whitelisted column: renewal_date | policy_end_date
+         * @param int    $daysBefore Days ahead of today to match
+         * @param int[]  $clientTypes Client type ids (1=Group, 2=Individual)
+         * @param bool   $includeOverdue When true, also include rows where dateField < today
+         * @return array
+         */
+        public function getRenewalReminderCandidates(
+            string $dateField,
+            int $daysBefore,
+            array $clientTypes,
+            bool $includeOverdue = false
+        ): array {
+            $allowedDateFields = ['renewal_date', 'policy_end_date'];
+            if (! in_array($dateField, $allowedDateFields, true)) {
+                $dateField = 'renewal_date';
+            }
+
+            $clientTypes = array_values(array_unique(array_filter(array_map('intval', $clientTypes), static function ($type) {
+                return $type > 0;
+            })));
+
+            if (empty($clientTypes)) {
+                return [];
+            }
+
+            $daysBefore = max(0, (int) $daysBefore);
+            $targetDate = date('Y-m-d', strtotime('+' . $daysBefore . ' days'));
+            $today      = date('Y-m-d');
+            $column     = 'pt.' . $dateField;
+
+            $query = $this->db->table('policy_transaction pt')
+                ->select("
+                    pt.id,
+                    pt.policy_no,
+                    pt.client_id,
+                    pt.client_branch_id,
+                    pt.policy_start_date,
+                    pt.policy_end_date,
+                    pt.renewal_date,
+                    c.client_name,
+                    c.short_name AS client_short_name,
+                    c.client_type,
+                    c.email AS client_email,
+                    c.common_mails,
+                    policy_type.policy_type,
+                    i.name AS insurer_name,
+                    CASE WHEN {$column} < '{$today}' THEN 1 ELSE 0 END AS is_overdue
+                ")
+                ->join('clients c', 'pt.client_id = c.id', 'left')
+                ->join('pt_co_share_details pt_co', 'pt.id = pt_co.pt_id and pt_co.co_share_type = 1', 'left')
+                ->join('insurers i', 'pt_co.insurer_id = i.id', 'left')
+                ->join('policy_type', 'pt.policy_type_id = policy_type.id', 'left')
+                ->where('pt.is_active', 1)
+                ->where('pt.action_type', 'inception')
+                ->whereIn('c.client_type', $clientTypes)
+                ->where("IFNULL(pt.renewal_status, '') NOT IN ('renewal_mail_send', 'renewed', 'reminded')", null, false)
+                ->where("NOT EXISTS (SELECT 1 FROM policy_transaction p2 WHERE p2.source_client_policy_id = pt.client_policy_id AND p2.is_active = 1)");
+
+            if ($includeOverdue) {
+                $query->groupStart()
+                    ->where($column, $targetDate)
+                    ->orWhere("{$column} <", $today)
+                    ->groupEnd();
+            } else {
+                $query->where($column, $targetDate);
+            }
+
+            $query->groupBy('pt.id')
+                ->orderBy('pt.id', 'DESC');
+
+            return $query->get()->getResultArray();
+        }
+
+        /**
+         * Explain why renewal reminder candidates may be empty (for dry-run diagnostics).
+         *
+         * @param int[] $clientTypes
+         * @return array<string, mixed>
+         */
+        public function diagnoseRenewalReminderCandidates(
+            string $dateField,
+            int $daysBefore,
+            array $clientTypes,
+            bool $includeOverdue = false
+        ): array {
+            $allowedDateFields = ['renewal_date', 'policy_end_date'];
+            if (! in_array($dateField, $allowedDateFields, true)) {
+                $dateField = 'renewal_date';
+            }
+
+            $clientTypes = array_values(array_unique(array_filter(array_map('intval', $clientTypes), static function ($type) {
+                return $type > 0;
+            })));
+
+            $daysBefore = max(0, (int) $daysBefore);
+            $targetDate = date('Y-m-d', strtotime('+' . $daysBefore . ' days'));
+            $today      = date('Y-m-d');
+            $column     = 'pt.' . $dateField;
+
+            $base = function () {
+                return $this->db->table('policy_transaction pt')
+                    ->join('clients c', 'pt.client_id = c.id', 'left')
+                    ->where('pt.is_active', 1)
+                    ->where('pt.action_type', 'inception');
+            };
+
+            $countRetailActive = 0;
+            $countAfterClientType = 0;
+            $countAfterStatus = 0;
+            $countAfterNotRenewedExists = 0;
+            $countExactTargetDate = 0;
+            $countOverdue = 0;
+            $countFinal = 0;
+            $nearestSample = [];
+
+            if (! empty($clientTypes)) {
+                $countRetailActive = (int) $base()
+                    ->whereIn('c.client_type', $clientTypes)
+                    ->countAllResults();
+
+                $countAfterClientType = $countRetailActive;
+
+                $countAfterStatus = (int) $base()
+                    ->whereIn('c.client_type', $clientTypes)
+                    ->where("IFNULL(pt.renewal_status, '') NOT IN ('renewal_mail_send', 'renewed', 'reminded')", null, false)
+                    ->countAllResults();
+
+                $countAfterNotRenewedExists = (int) $base()
+                    ->whereIn('c.client_type', $clientTypes)
+                    ->where("IFNULL(pt.renewal_status, '') NOT IN ('renewal_mail_send', 'renewed', 'reminded')", null, false)
+                    ->where("NOT EXISTS (SELECT 1 FROM policy_transaction p2 WHERE p2.source_client_policy_id = pt.client_policy_id AND p2.is_active = 1)")
+                    ->countAllResults();
+
+                $countExactTargetDate = (int) $base()
+                    ->whereIn('c.client_type', $clientTypes)
+                    ->where("IFNULL(pt.renewal_status, '') NOT IN ('renewal_mail_send', 'renewed', 'reminded')", null, false)
+                    ->where("NOT EXISTS (SELECT 1 FROM policy_transaction p2 WHERE p2.source_client_policy_id = pt.client_policy_id AND p2.is_active = 1)")
+                    ->where($column, $targetDate)
+                    ->countAllResults();
+
+                $countOverdue = (int) $base()
+                    ->whereIn('c.client_type', $clientTypes)
+                    ->where("IFNULL(pt.renewal_status, '') NOT IN ('renewal_mail_send', 'renewed', 'reminded')", null, false)
+                    ->where("NOT EXISTS (SELECT 1 FROM policy_transaction p2 WHERE p2.source_client_policy_id = pt.client_policy_id AND p2.is_active = 1)")
+                    ->where("{$column} <", $today)
+                    ->where("{$column} IS NOT NULL", null, false)
+                    ->where("{$column} !=", '0000-00-00')
+                    ->countAllResults();
+
+                $finalBuilder = $base()
+                    ->whereIn('c.client_type', $clientTypes)
+                    ->where("IFNULL(pt.renewal_status, '') NOT IN ('renewal_mail_send', 'renewed', 'reminded')", null, false)
+                    ->where("NOT EXISTS (SELECT 1 FROM policy_transaction p2 WHERE p2.source_client_policy_id = pt.client_policy_id AND p2.is_active = 1)");
+
+                if ($includeOverdue) {
+                    $finalBuilder->groupStart()
+                        ->where($column, $targetDate)
+                        ->orWhere("{$column} <", $today)
+                        ->groupEnd();
+                } else {
+                    $finalBuilder->where($column, $targetDate);
+                }
+                $countFinal = (int) $finalBuilder->countAllResults();
+
+                // Sample nearest upcoming renewals (next 60 days) for debugging
+                $from = $today;
+                $to   = date('Y-m-d', strtotime('+60 days'));
+                $nearestSample = $base()
+                    ->select("pt.id, pt.policy_no, c.client_name, c.email AS client_email, pt.renewal_date, pt.policy_end_date, pt.renewal_status, {$column} AS match_date")
+                    ->whereIn('c.client_type', $clientTypes)
+                    ->where("IFNULL(pt.renewal_status, '') NOT IN ('renewal_mail_send', 'renewed', 'reminded')", null, false)
+                    ->where("NOT EXISTS (SELECT 1 FROM policy_transaction p2 WHERE p2.source_client_policy_id = pt.client_policy_id AND p2.is_active = 1)")
+                    ->where("{$column} >=", $from)
+                    ->where("{$column} <=", $to)
+                    ->orderBy($column, 'ASC')
+                    ->limit(10)
+                    ->get()
+                    ->getResultArray();
+            }
+
+            $reasons = [];
+            if (empty($clientTypes)) {
+                $reasons[] = 'No clientTypes configured.';
+            }
+            if ($countAfterClientType === 0) {
+                $reasons[] = 'No active inception policies found for configured client type(s).';
+            } elseif ($countAfterStatus === 0) {
+                $reasons[] = 'All matching policies already have renewal_status of renewal_mail_send/renewed/reminded.';
+            } elseif ($countAfterNotRenewedExists === 0) {
+                $reasons[] = 'All remaining policies already have an active renewed policy linked via source_client_policy_id.';
+            } elseif (! $includeOverdue && $countExactTargetDate === 0) {
+                $reasons[] = "No policies have {$dateField} exactly equal to target date {$targetDate} (today + {$daysBefore} days). includeOverdue is false, so only exact date matches are selected.";
+                if ($countOverdue > 0) {
+                    $reasons[] = "There are {$countOverdue} overdue policies that would be included if includeOverdue=true.";
+                }
+            } elseif ($includeOverdue && $countFinal === 0) {
+                $reasons[] = "No policies match target date {$targetDate} or overdue (< {$today}) on {$dateField}.";
+            }
+
+            if (empty($reasons) && $countFinal === 0) {
+                $reasons[] = 'No candidates matched the current filters.';
+            }
+
+            return [
+                'today'            => $today,
+                'target_date'      => $targetDate,
+                'date_field'       => $dateField,
+                'days_before'      => $daysBefore,
+                'include_overdue'  => $includeOverdue,
+                'client_types'     => $clientTypes,
+                'counts'           => [
+                    'active_inception_for_client_types' => $countAfterClientType,
+                    'after_excluding_sent_or_renewed'   => $countAfterStatus,
+                    'after_excluding_already_renewed_policy' => $countAfterNotRenewedExists,
+                    'exact_target_date_matches'         => $countExactTargetDate,
+                    'overdue_matches'                   => $countOverdue,
+                    'final_candidates'                  => $countFinal,
+                ],
+                'reasons'          => $reasons,
+                'nearest_upcoming_sample_60_days' => $nearestSample,
+                'hint'             => $includeOverdue
+                    ? 'Candidates = exact target date OR overdue on selected date field.'
+                    : "Candidates require {$dateField} = {$targetDate} exactly. Enable includeOverdue to also include past dates, or change daysBefore / dateField in Mail Config.",
+            ];
+        }
+
+        /**
+         * Server-side DataTables list for Retail Policy (individual clients only).
+         *
+         * @param int    $draw
+         * @param int    $start
+         * @param int    $length
+         * @param string $search
+         * @return array{draw:int,recordsTotal:int,recordsFiltered:int,data:array}
+         */
+        public function getRetailPolicyList(int $draw, int $start, int $length, string $search = ''): array
+        {
+            $exportAll = $length < 0;
+            $length    = $exportAll ? 0 : ($length > 0 ? $length : 10);
+            $start     = max(0, $start);
+            $search    = trim($search);
+
+            $applyBase = static function ($builder) {
+                return $builder->join('clients c', 'pt.client_id = c.id', 'left')
+                    ->join('policy_type', 'pt.policy_type_id = policy_type.id', 'left')
+                    ->where('pt.is_active', 1)
+                    ->where('pt.action_type', 'inception')
+                    ->where('c.client_type', 2)
+                    ->where("IFNULL(pt.renewal_status, '') !=", 'renewed');
+            };
+
+            $applySearch = static function ($builder) use ($search) {
+                if ($search !== '') {
+                    $builder->groupStart()
+                        ->like('pt.policy_no', $search)
+                        ->orLike('policy_type.policy_type', $search)
+                        ->orLike('c.client_name', $search)
+                        ->orLike('c.phone', $search)
+                        ->orLike('c.email', $search)
+                        ->groupEnd();
+                }
+                return $builder;
+            };
+
+            $totalBuilder = $applyBase($this->db->table('policy_transaction pt'));
+            $recordsTotal = (int) $totalBuilder->countAllResults();
+
+            $filteredBuilder = $applySearch($applyBase($this->db->table('policy_transaction pt')));
+            $recordsFiltered = (int) $filteredBuilder->countAllResults();
+
+            $dataBuilder = $applySearch($applyBase($this->db->table('policy_transaction pt')));
+            $dataBuilder = $dataBuilder
+                ->select('
+                    pt.id,
+                    pt.policy_no,
+                    pt.renewal_date,
+                    pt.policy_start_date,
+                    pt.policy_end_date,
+                    pt.renewal_status,
+                    pt.client_id,
+                    c.client_name,
+                    c.phone AS client_mobile,
+                    c.email AS client_email,
+                    policy_type.policy_type
+                ')
+                ->orderBy("CASE WHEN LOWER(IFNULL(pt.renewal_status, '')) IN ('renewal_mail_send', 'reminded') THEN 0 ELSE 1 END", 'ASC', false)
+                ->orderBy('pt.id', 'DESC');
+
+            if (! $exportAll) {
+                $dataBuilder->limit($length, $start);
+            }
+
+            $rows = $dataBuilder->get()->getResultArray();
+
+            return [
+                'draw'            => $draw,
+                'recordsTotal'    => $recordsTotal,
+                'recordsFiltered' => $recordsFiltered,
+                'data'            => $rows,
+            ];
+        }
         
         public function getRenewalReportDataOld($start_date = null, $end_date = null, $client_type = null, $client = null, $issuer = null)
         {

app/Views/layout/header.php

@@ -2276,6 +2276,13 @@ body[data-sidebar-size="condensed"] .footer {
 
                                         <?php } ?>
 
+                                        <li>
+                                            <a href="<?= base_url('/policy_tranction/retail-policy/list') ?>">
+                                                <i class="ri-user-line"></i>
+                                                <span> Retail Policy</span>
+                                            </a>
+                                        </li>
+
                                         <!-- This Menu Hide because of Role Merge REF : SVM,SVR,KV.
                                         <?php if ((get_role_id() == 1 || get_role_id() == 5) || (in_array(MANAGEMENT_TEAM_ID, user_team()) || in_array(FINANCE_TEAM_ID, user_team()) || in_array(BUSINESS_TEAM_ID, user_team()))) { ?>
                                             <li>

app/Views/policy_gpa_terms.php

@@ -524,6 +524,9 @@
                     return;
                 }
 
+                $('#gpa_si_add_more').empty();
+                $('.removeDom').remove();
+
                 setTimeout(function() {
                     $('.loader').fadeOut();
                     $('.loader-mask').delay(350).fadeOut('slow');
@@ -567,7 +570,8 @@
             $('#police-tab').css('display', 'none');
             $('.nav.nav-pills.navtab-bg').css('display', 'none');
             $('.nav.nav-pills.navtab-bg').prev().css('display', 'none');
-            $('.removeDom').remove()
+            $('.removeDom').remove();
+            $('#gpa_si_add_more').empty();
 
             $('.loader').fadeIn();
             $('.loader-mask').fadeIn();
@@ -687,7 +691,9 @@
                                 if (Array.isArray(gpaJsonObjectForSpecialCondition[key])) {
                                     gpaJsonObjectForSpecialCondition[key].forEach((value,
                                         index) => {
-                                        appendGPASIAddMore(value);
+                                        if (value !== null && value !== undefined && String(value).trim() !== '') {
+                                            appendGPASIAddMore(value);
+                                        }
                                     });
                                 } else {
                                     console.error(`${key} is not an array.`);
@@ -892,6 +898,8 @@
         $('.nav.nav-pills.navtab-bg').css('display', '');
         $('.nav.nav-pills.navtab-bg').prev().css('display', '');
         $('#policyGPATerms')[0].reset();
+        $('#gpa_si_add_more').empty();
+        $('.removeDom').remove();
         $('.text-danger-2').html('');
 
     });

app/Views/pt_renewal_reminder_email_template.php

@@ -0,0 +1,223 @@
+<!DOCTYPE html>
+<html>
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1.0">
+    <style>
+        body {
+            font-family: 'Segoe UI', Arial, sans-serif;
+            margin: 0;
+            padding: 0;
+            background-color: #f4f7f6;
+            color: #333;
+            -webkit-text-size-adjust: 100%;
+        }
+        .container {
+            width: 100%;
+            max-width: 640px;
+            margin: 0 auto;
+            background: #ffffff;
+            border-radius: 8px;
+            overflow: hidden;
+            box-shadow: 0 4px 10px rgba(0, 0, 0, 0.06);
+        }
+        .header {
+            background: linear-gradient(135deg, #1f618d, #21618c, #117a65);
+            color: #ffffff;
+            padding: 24px 20px;
+            text-align: center;
+        }
+        .header h1 {
+            margin: 0;
+            font-size: 22px;
+            letter-spacing: 0.3px;
+        }
+        .header-subtitle {
+            margin-top: 6px;
+            font-size: 13px;
+            opacity: 0.92;
+        }
+        .content {
+            padding: 24px 20px;
+        }
+        .alert-banner {
+            padding: 14px 16px;
+            border-radius: 6px;
+            margin-bottom: 20px;
+            font-size: 14px;
+            line-height: 1.5;
+            background: #eaf4fb;
+            border-left: 4px solid #2980b9;
+            color: #1f4e79;
+        }
+        .intro {
+            font-size: 14px;
+            line-height: 1.7;
+            color: #2c3e50;
+            margin: 0 0 18px;
+        }
+        .section-title {
+            font-size: 16px;
+            color: #2c3e50;
+            border-bottom: 2px solid #3498db;
+            display: inline-block;
+            margin: 0 0 12px;
+            padding-bottom: 4px;
+        }
+        .details-table {
+            width: 100%;
+            border-collapse: collapse;
+            margin-bottom: 20px;
+        }
+        .details-table td {
+            padding: 10px 12px;
+            border-bottom: 1px solid #ecf0f1;
+            font-size: 13px;
+            vertical-align: top;
+        }
+        .details-table td.label {
+            width: 38%;
+            color: #7f8c8d;
+            font-weight: 600;
+            background: #f8f9fa;
+        }
+        .details-table td.value {
+            color: #2c3e50;
+        }
+        .next-steps {
+            background: #f8f9fa;
+            border-radius: 6px;
+            padding: 14px 16px;
+            margin-top: 8px;
+        }
+        .next-steps h4 {
+            margin: 0 0 8px;
+            font-size: 14px;
+            color: #2c3e50;
+        }
+        .next-steps ul {
+            margin: 0;
+            padding-left: 18px;
+            font-size: 13px;
+            line-height: 1.7;
+            color: #566573;
+        }
+        .note {
+            font-size: 12px;
+            color: #7f8c8d;
+            line-height: 1.6;
+            margin-top: 16px;
+            font-style: italic;
+        }
+        .footer {
+            background: #f8f9fa;
+            padding: 14px 18px;
+            text-align: center;
+            font-size: 11px;
+            color: #95a5a6;
+            line-height: 1.5;
+        }
+        @media only screen and (max-width: 480px) {
+            .content {
+                padding: 16px 14px;
+            }
+            .header h1 {
+                font-size: 19px;
+            }
+            .details-table td.label {
+                width: 42%;
+            }
+        }
+    </style>
+</head>
+<body>
+    <div class="container" style="width:100%;max-width:640px;margin:0 auto;background:#ffffff;border-radius:8px;overflow:hidden;box-shadow:0 4px 10px rgba(0,0,0,0.06);">
+        <div class="header" style="background:#1f618d;color:#ffffff;padding:24px 20px;text-align:center;">
+            <h1>Policy Renewal Reminder</h1>
+            <div class="header-subtitle">Nhance India Insurance</div>
+        </div>
+
+        <div class="content" style="padding:24px 20px;">
+            <div class="alert-banner" style="padding:14px 16px;border-radius:6px;margin-bottom:20px;font-size:14px;line-height:1.5;background:<?= !empty($is_overdue) ? '#fdecea' : '#eaf4fb' ?>;border-left:4px solid <?= !empty($is_overdue) ? '#c0392b' : '#2980b9' ?>;color:<?= !empty($is_overdue) ? '#922b21' : '#1f4e79' ?>;">
+                <?php if (!empty($is_overdue)): ?>
+                    <strong>Overdue Renewal:</strong> The policy for <strong><?= esc($client_name ?? '') ?></strong>
+                    was due for renewal on <strong><?= esc($reminder_date ?? '') ?></strong>. Please renew at the earliest.
+                <?php else: ?>
+                    <strong>Renewal Reminder:</strong> The policy for <strong><?= esc($client_name ?? '') ?></strong>
+                    is due for renewal on <strong><?= esc($reminder_date ?? '') ?></strong>
+                    (in <strong><?= esc((string) ($days_before ?? '')) ?></strong> day(s)).
+                <?php endif; ?>
+            </div>
+
+            <p class="intro" style="font-size:14px;line-height:1.7;color:#2c3e50;margin:0 0 18px;">
+                This is a reminder that a policy renewal is <?= !empty($is_overdue) ? 'overdue' : 'upcoming' ?> for
+                <strong><?= esc($client_name ?? '') ?></strong>.
+                Please review the details below and initiate the renewal process in time to ensure uninterrupted coverage.
+            </p>
+
+            <h3 class="section-title" style="font-size:16px;color:#2c3e50;border-bottom:2px solid #3498db;display:inline-block;margin:0 0 12px;padding-bottom:4px;">
+                Policy Details
+            </h3>
+
+            <table class="details-table" style="width:100%;border-collapse:collapse;margin-bottom:20px;">
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Client</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><?= esc($client_name ?? '-') ?></td>
+                </tr>
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Client Type</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><?= esc($client_type_label ?? '-') ?></td>
+                </tr>
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Policy Number</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><?= esc($policy_no ?? 'Not Assigned') ?></td>
+                </tr>
+                <?php if (!empty($policy_type)): ?>
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Policy Type</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><?= esc($policy_type) ?></td>
+                </tr>
+                <?php endif; ?>
+                <?php if (!empty($insurer_name)): ?>
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Insurance Company</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><?= esc($insurer_name) ?></td>
+                </tr>
+                <?php endif; ?>
+                <?php if (!empty($policy_period)): ?>
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Policy Period</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><?= esc($policy_period) ?></td>
+                </tr>
+                <?php endif; ?>
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Renewal / End Date</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><strong><?= esc($reminder_date ?? '-') ?></strong></td>
+                </tr>
+                <tr>
+                    <td class="label" style="width:38%;padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#7f8c8d;font-weight:600;background:#f8f9fa;">Days Before</td>
+                    <td class="value" style="padding:10px 12px;border-bottom:1px solid #ecf0f1;font-size:13px;color:#2c3e50;"><?= esc((string) ($days_before ?? '-')) ?></td>
+                </tr>
+            </table>
+
+            <div class="next-steps" style="background:#f8f9fa;border-radius:6px;padding:14px 16px;margin-top:8px;">
+                <h4 style="margin:0 0 8px;font-size:14px;color:#2c3e50;">Next Steps</h4>
+                <ul style="margin:0;padding-left:18px;font-size:13px;line-height:1.7;color:#566573;">
+                    <li>Please initiate the renewal process before <strong><?= esc($reminder_date ?? '') ?></strong>.</li>
+                    <li>Confirm coverage requirements and share any updated details with the concerned team.</li>
+                    <li>For clarification regarding the renewal, please coordinate with your Nhance contact.</li>
+                </ul>
+            </div>
+
+            <p class="note" style="font-size:12px;color:#7f8c8d;line-height:1.6;margin-top:16px;font-style:italic;">
+                Timely renewal helps ensure continuous insurance coverage. Thank you for your cooperation.
+            </p>
+        </div>
+
+        <div class="footer" style="background:#f8f9fa;padding:14px 18px;text-align:center;font-size:11px;color:#95a5a6;line-height:1.5;">
+            This is an automated notification from Nhance India Insurance. Please do not reply to this email.
+            <br>Generated on <?= esc($generated_on ?? date('d-m-Y H:i')) ?>
+        </div>
+    </div>
+</body>
+</html>

writable/sql/db_changes_2026-07-01_to_2026-08-12.sql

@@ -0,0 +1,612 @@
+-- =============================================================================
+-- NHANCE DB changes: 2026-07-01 through 2026-08-12
+-- Consolidated from app/Database/*.sql and Migrations (chronological).
+-- Safe-ish to re-run where noted (IF NOT EXISTS / information_schema checks).
+-- Demo seed (digit_motor_demo_seed.sql) omitted — schema only + retail reminder seed.
+-- =============================================================================
+
+-- -----------------------------------------------------------------------------
+-- 2026-07-06 | Insurer claim form columns
+-- Source: app/Database/insurers_add_claim_form_column.sql
+-- -----------------------------------------------------------------------------
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE()
+      AND table_name = 'insurers'
+      AND column_name = 'insurer_claim_form'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE insurers ADD COLUMN insurer_claim_form VARCHAR(255) NULL DEFAULT NULL AFTER insurer_logo',
+    'SELECT ''insurers.insurer_claim_form already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE()
+      AND table_name = 'insurers'
+      AND column_name = 'insurer_claim_form_original_name'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE insurers ADD COLUMN insurer_claim_form_original_name VARCHAR(255) NULL DEFAULT NULL AFTER insurer_claim_form',
+    'SELECT ''insurers.insurer_claim_form_original_name already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+-- -----------------------------------------------------------------------------
+-- 2026-07-13 | BDS report performance indexes
+-- Source: app/Database/bds_report_performance_indexes.sql
+-- -----------------------------------------------------------------------------
+SET @idx := (
+    SELECT COUNT(1) FROM information_schema.statistics
+    WHERE table_schema = DATABASE()
+      AND table_name = 'policy_transaction'
+      AND index_name = 'idx_pt_active_created'
+);
+SET @sql := IF(@idx = 0,
+    'CREATE INDEX idx_pt_active_created ON policy_transaction (is_active, created_at)',
+    'SELECT ''idx_pt_active_created already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @idx := (
+    SELECT COUNT(1) FROM information_schema.statistics
+    WHERE table_schema = DATABASE()
+      AND table_name = 'pt_co_share_details'
+      AND index_name = 'idx_pcsd_pt_active'
+);
+SET @sql := IF(@idx = 0,
+    'CREATE INDEX idx_pcsd_pt_active ON pt_co_share_details (pt_id, is_active)',
+    'SELECT ''idx_pcsd_pt_active already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @idx := (
+    SELECT COUNT(1) FROM information_schema.statistics
+    WHERE table_schema = DATABASE()
+      AND table_name = 'co_share_stmt_details'
+      AND index_name = 'idx_cssd_coshare_stmt_active'
+);
+SET @sql := IF(@idx = 0,
+    'CREATE INDEX idx_cssd_coshare_stmt_active ON co_share_stmt_details (co_share_id, statement_id, is_active)',
+    'SELECT ''idx_cssd_coshare_stmt_active already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @idx := (
+    SELECT COUNT(1) FROM information_schema.statistics
+    WHERE table_schema = DATABASE()
+      AND table_name = 'insurer_statements'
+      AND index_name = 'idx_insq_active_month_invoice'
+);
+SET @sql := IF(@idx = 0,
+    'CREATE INDEX idx_insq_active_month_invoice ON insurer_statements (is_active, month, invoice_status)',
+    'SELECT ''idx_insq_active_month_invoice already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+-- -----------------------------------------------------------------------------
+-- 2026-07-21 / 2026-07-23 / 2026-07-30 | Digit Motor module tables (final schema)
+-- Sources: digit_motor_tables.sql, digit_motor_master_tables.sql
+-- -----------------------------------------------------------------------------
+CREATE TABLE IF NOT EXISTS `motor_token` (
+    `id`             BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `environment`    VARCHAR(20) NOT NULL DEFAULT 'staging',
+    `access_token`   TEXT NOT NULL,
+    `refresh_token`  TEXT,
+    `expires_at`     TIMESTAMP NOT NULL,
+    `created_at`     TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    UNIQUE KEY `uq_motor_token_env` (`environment`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_quote` (
+    `id`                          BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `enquiry_id`                  VARCHAR(64) NOT NULL,
+    `quote_number`                VARCHAR(32) DEFAULT NULL,
+    `application_id`              VARCHAR(255) DEFAULT NULL,
+    `policy_holder_type`          VARCHAR(20) NOT NULL DEFAULT 'INDIVIDUAL',
+    `insurance_product_code`      VARCHAR(10) NOT NULL,
+    `sub_insurance_product_code`  VARCHAR(10) NOT NULL DEFAULT 'PB',
+    `previous_insurer_code`       SMALLINT DEFAULT NULL,
+    `previous_policy_expiry_date` DATE DEFAULT NULL,
+    `external_policy_number`      VARCHAR(32) DEFAULT NULL,
+    `is_ncb_transfer`             TINYINT(1) DEFAULT 0,
+    `start_date`                  DATE DEFAULT NULL,
+    `end_date`                    DATE DEFAULT NULL,
+    `pincode`                     VARCHAR(6) NOT NULL,
+    `coverage_details`            JSON DEFAULT NULL,
+    `policyholder_details`        JSON DEFAULT NULL,
+    `premium`                     DECIMAL(12,2) DEFAULT NULL,
+    `idv`                         DECIMAL(12,2) DEFAULT NULL,
+    `status`                      VARCHAR(20) NOT NULL DEFAULT 'DRAFT',
+    `created_by`                  INT DEFAULT NULL,
+    `updated_by`                  INT DEFAULT NULL,
+    `created_at`                  TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    `updated_at`                  TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+    UNIQUE KEY `uq_motor_quote_enquiry` (`enquiry_id`),
+    KEY `idx_motor_quote_status` (`status`),
+    KEY `idx_motor_quote_quote_number` (`quote_number`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_vehicle` (
+    `id`                              BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `quote_id`                        BIGINT NOT NULL,
+    `is_vehicle_new`                  TINYINT(1) NOT NULL DEFAULT 0,
+    `vehicle_maincode`                VARCHAR(30) NOT NULL,
+    `license_plate_number`            VARCHAR(12) NOT NULL,
+    `vehicle_identification_number`   VARCHAR(30) DEFAULT NULL,
+    `engine_number`                   VARCHAR(30) DEFAULT NULL,
+    `manufacture_date`                DATE NOT NULL,
+    `registration_date`               DATE NOT NULL,
+    `registration_authority`          VARCHAR(10) DEFAULT NULL,
+    `idv`                             DECIMAL(12,2) DEFAULT NULL,
+    `default_idv`                     DECIMAL(12,2) DEFAULT NULL,
+    `minimum_idv`                     DECIMAL(12,2) DEFAULT NULL,
+    `maximum_idv`                     DECIMAL(12,2) DEFAULT NULL,
+    UNIQUE KEY `uq_motor_vehicle_quote` (`quote_id`),
+    CONSTRAINT `fk_motor_vehicle_quote` FOREIGN KEY (`quote_id`) REFERENCES `motor_quote`(`id`) ON DELETE CASCADE
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_kyc` (
+    `id`                              BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `quote_id`                        BIGINT NOT NULL,
+    `kyc_id`                          VARCHAR(64) DEFAULT NULL,
+    `kyc_verification_status`         VARCHAR(20) DEFAULT NULL,
+    `reference_id`                    VARCHAR(64) DEFAULT NULL,
+    `link`                            VARCHAR(512) DEFAULT NULL,
+    `mismatch_type`                   VARCHAR(40) DEFAULT NULL,
+    `id_verification_doc_type`        VARCHAR(40) DEFAULT NULL,
+    `address_verification_doc_type`   VARCHAR(40) DEFAULT NULL,
+    `mode`                            CHAR(1) DEFAULT 'O',
+    `checked_at`                      TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    KEY `idx_motor_kyc_quote` (`quote_id`),
+    CONSTRAINT `fk_motor_kyc_quote` FOREIGN KEY (`quote_id`) REFERENCES `motor_quote`(`id`) ON DELETE CASCADE
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_payment` (
+    `id`                    BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `quote_id`              BIGINT NOT NULL,
+    `application_id`        VARCHAR(255) NOT NULL,
+    `digit_payment_id`      VARCHAR(64) DEFAULT NULL,
+    `request_reference`     VARCHAR(64) DEFAULT NULL,
+    `payment_mode`          VARCHAR(5) DEFAULT 'EB',
+    `cancel_return_url`     VARCHAR(512) DEFAULT NULL,
+    `success_return_url`    VARCHAR(512) DEFAULT NULL,
+    `dispatcher_response`   VARCHAR(512) DEFAULT NULL,
+    `premium`               DECIMAL(12,2) DEFAULT NULL,
+    `payment_status`        VARCHAR(20) DEFAULT NULL,
+    `created_at`            TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    KEY `idx_motor_payment_quote` (`quote_id`),
+    CONSTRAINT `fk_motor_payment_quote` FOREIGN KEY (`quote_id`) REFERENCES `motor_quote`(`id`) ON DELETE CASCADE
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_policy` (
+    `id`                BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `quote_id`          BIGINT NOT NULL,
+    `policy_number`     VARCHAR(32) DEFAULT NULL,
+    `policy_status`     VARCHAR(20) DEFAULT NULL,
+    `schedule_path`     VARCHAR(512) DEFAULT NULL,
+    `proposal_path`     VARCHAR(512) DEFAULT NULL,
+    `response_code`     VARCHAR(10) DEFAULT NULL,
+    `response_message`  VARCHAR(255) DEFAULT NULL,
+    `updated_at`        TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+    UNIQUE KEY `uq_motor_policy_quote` (`quote_id`),
+    CONSTRAINT `fk_motor_policy_quote` FOREIGN KEY (`quote_id`) REFERENCES `motor_quote`(`id`) ON DELETE CASCADE
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_api_log` (
+    `id`              BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `quote_id`        BIGINT DEFAULT NULL,
+    `integration_id`  VARCHAR(20) DEFAULT NULL,
+    `endpoint`        VARCHAR(120) DEFAULT NULL,
+    `request_body`    JSON DEFAULT NULL,
+    `response_body`   JSON DEFAULT NULL,
+    `http_status`     SMALLINT DEFAULT NULL,
+    `error_code`      VARCHAR(10) DEFAULT NULL,
+    `duration_ms`     INT DEFAULT NULL,
+    `created_at`      TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    KEY `idx_motor_api_log_quote` (`quote_id`),
+    KEY `idx_motor_api_log_created` (`created_at`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+-- Digit Motor master / lookup tables
+CREATE TABLE IF NOT EXISTS `motor_master_vehicle` (
+    `vehicle_code`          VARCHAR(30)  NOT NULL,
+    `make`                  VARCHAR(80)  NOT NULL,
+    `model`                 VARCHAR(120) NOT NULL,
+    `variant`               VARCHAR(120) DEFAULT NULL,
+    `body_type`             VARCHAR(60)  DEFAULT NULL,
+    `seating_capacity`      SMALLINT     DEFAULT NULL,
+    `power`                 DECIMAL(10,2) DEFAULT NULL,
+    `cubic_capacity`        DECIMAL(10,2) DEFAULT NULL,
+    `gross_vehicle_weight`  DECIMAL(12,2) DEFAULT NULL,
+    `fuel_type`             VARCHAR(40)  DEFAULT NULL,
+    `no_of_wheels`          TINYINT      DEFAULT NULL,
+    `abs`                   CHAR(1)      DEFAULT NULL,
+    `air_bags`              SMALLINT     DEFAULT NULL,
+    `length_m`              DECIMAL(10,3) DEFAULT NULL,
+    `ex_showroom_price`     DECIMAL(14,2) DEFAULT NULL,
+    `price_year`            SMALLINT     DEFAULT NULL,
+    `production_status`     VARCHAR(60)  DEFAULT NULL,
+    `manufacturing`         VARCHAR(40)  DEFAULT NULL,
+    `vehicle_type`          VARCHAR(40)  DEFAULT NULL,
+    `is_active`             TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`           TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`vehicle_code`),
+    KEY `idx_mmv_make` (`make`),
+    KEY `idx_mmv_make_model` (`make`, `model`),
+    KEY `idx_mmv_make_model_variant` (`make`, `model`, `variant`),
+    KEY `idx_mmv_active` (`is_active`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_previous_insurer` (
+    `insurer_code`  VARCHAR(10)  NOT NULL,
+    `insurer_name`  VARCHAR(180) NOT NULL,
+    `is_active`     TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`insurer_code`),
+    KEY `idx_mmpi_name` (`insurer_name`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_product` (
+    `product_code`  VARCHAR(10)  NOT NULL,
+    `product_name`  VARCHAR(120) NOT NULL,
+    `vehicle_class` VARCHAR(10)  DEFAULT NULL COMMENT '2W / 4W / CV',
+    `is_active`     TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`product_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_sub_product` (
+    `id`               INT PRIMARY KEY AUTO_INCREMENT,
+    `business_type`    VARCHAR(20) NOT NULL COMMENT 'NEW / ROLLOVER',
+    `product_label`    VARCHAR(120) NOT NULL,
+    `sub_product_code` VARCHAR(20) NOT NULL,
+    `is_active`        TINYINT(1)  NOT NULL DEFAULT 1,
+    `imported_at`      TIMESTAMP   NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    UNIQUE KEY `uq_mmsp` (`business_type`, `product_label`, `sub_product_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_pincode` (
+    `pincode`       VARCHAR(6)   NOT NULL,
+    `city`          VARCHAR(120) DEFAULT NULL,
+    `district`      VARCHAR(120) DEFAULT NULL,
+    `street`        VARCHAR(180) DEFAULT NULL,
+    `taluk`         VARCHAR(120) DEFAULT NULL,
+    `state_code`    VARCHAR(10)  DEFAULT NULL,
+    `segment`       VARCHAR(40)  DEFAULT NULL,
+    `is_active`     TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`pincode`),
+    KEY `idx_mmp_city` (`city`),
+    KEY `idx_mmp_state` (`state_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_rto` (
+    `rto_code`      VARCHAR(10)  NOT NULL,
+    `city_state`    VARCHAR(180) DEFAULT NULL,
+    `is_active`     TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`rto_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_ncb` (
+    `ncb_code`      VARCHAR(30) NOT NULL,
+    `sort_order`    SMALLINT    NOT NULL DEFAULT 0,
+    `is_active`     TINYINT(1)  NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP   NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`ncb_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_previous_policy_type` (
+    `policy_type_code` VARCHAR(20)  NOT NULL,
+    `description`      VARCHAR(120) DEFAULT NULL,
+    `is_active`        TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`      TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`policy_type_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_voluntary_deductible` (
+    `deductible_code` VARCHAR(40) NOT NULL,
+    `sort_order`      SMALLINT    NOT NULL DEFAULT 0,
+    `is_active`       TINYINT(1)  NOT NULL DEFAULT 1,
+    `imported_at`     TIMESTAMP   NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`deductible_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_doc_type` (
+    `doc_code`      VARCHAR(10)  NOT NULL,
+    `doc_type`      VARCHAR(60)  NOT NULL,
+    `is_active`     TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`doc_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_nominee_relation` (
+    `relation_code` VARCHAR(40) NOT NULL,
+    `is_active`     TINYINT(1)  NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP   NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`relation_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_state` (
+    `state_code`    VARCHAR(10)  NOT NULL,
+    `state_name`    VARCHAR(120) NOT NULL,
+    `is_active`     TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`state_code`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_addon_age_limit` (
+    `id`            INT PRIMARY KEY AUTO_INCREMENT,
+    `addon_name`    VARCHAR(120) NOT NULL,
+    `age_limit_4w`  VARCHAR(120) DEFAULT NULL,
+    `age_limit_2w`  VARCHAR(255) DEFAULT NULL,
+    `is_active`     TINYINT(1)   NOT NULL DEFAULT 1,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    UNIQUE KEY `uq_mmaal_addon` (`addon_name`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `motor_master_import_log` (
+    `id`            BIGINT PRIMARY KEY AUTO_INCREMENT,
+    `master_key`    VARCHAR(60)  NOT NULL,
+    `source_file`   VARCHAR(255) DEFAULT NULL,
+    `rows_upserted` INT          NOT NULL DEFAULT 0,
+    `status`        VARCHAR(20)  NOT NULL DEFAULT 'OK',
+    `message`       TEXT         DEFAULT NULL,
+    `imported_at`   TIMESTAMP    NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    KEY `idx_mmil_master` (`master_key`),
+    KEY `idx_mmil_imported` (`imported_at`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+-- Align existing Digit Motor tables if created from an earlier draft schema
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE()
+      AND table_name = 'motor_quote'
+      AND column_name = 'policyholder_details'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE motor_quote ADD COLUMN policyholder_details JSON DEFAULT NULL AFTER coverage_details',
+    'SELECT ''motor_quote.policyholder_details already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @sql := (
+    SELECT IF(
+        EXISTS (
+            SELECT 1 FROM information_schema.columns
+            WHERE table_schema = DATABASE()
+              AND table_name = 'motor_quote'
+              AND column_name = 'application_id'
+              AND character_maximum_length < 255
+        ),
+        'ALTER TABLE motor_quote MODIFY COLUMN application_id VARCHAR(255) DEFAULT NULL',
+        'SELECT ''motor_quote.application_id already wide enough'' AS info'
+    )
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @sql := (
+    SELECT IF(
+        EXISTS (
+            SELECT 1 FROM information_schema.columns
+            WHERE table_schema = DATABASE()
+              AND table_name = 'motor_payment'
+              AND column_name = 'application_id'
+              AND character_maximum_length < 255
+        ),
+        'ALTER TABLE motor_payment MODIFY COLUMN application_id VARCHAR(255) NOT NULL',
+        'SELECT ''motor_payment.application_id already wide enough'' AS info'
+    )
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+-- -----------------------------------------------------------------------------
+-- 2026-07-28 | claim_report table
+-- Sources: claim_report.sql / Migration 2026-07-28-090700_CreateClaimReportTable
+-- -----------------------------------------------------------------------------
+CREATE TABLE IF NOT EXISTS `claim_report` (
+  `id` BIGINT UNSIGNED NOT NULL AUTO_INCREMENT,
+  `tpa_id` INT UNSIGNED NULL,
+  `client_id` INT UNSIGNED NULL,
+  `client_policy_id` INT UNSIGNED NOT NULL,
+  `file_id` INT UNSIGNED NULL,
+  `ticket_id` BIGINT UNSIGNED NULL,
+  `source_table` VARCHAR(64) NULL,
+  `source_row_id` BIGINT UNSIGNED NULL,
+  `claim_number` VARCHAR(191) NOT NULL,
+  `emp_code` VARCHAR(100) NULL,
+  `tpa_no` VARCHAR(100) NULL,
+  `emp_id` INT UNSIGNED NULL,
+  `insured_emp_id` INT UNSIGNED NULL,
+  `claim_amount` VARCHAR(50) NULL,
+  `approved_amount` VARCHAR(50) NULL,
+  `incurred_amount` VARCHAR(50) NULL,
+  `si_amt` VARCHAR(50) NULL,
+  `tpa_claim_status` VARCHAR(191) NULL,
+  `claim_status_id` INT UNSIGNED NULL,
+  `tpa_claim_type` VARCHAR(100) NULL,
+  `tpa_ailments` TEXT NULL,
+  `doa` DATE NULL,
+  `dod` DATE NULL,
+  `date_of_intimat` DATE NULL,
+  `settled_date` DATE NULL,
+  `approved_date` DATE NULL,
+  `claim_dump_date` DATETIME NULL,
+  `hospital_name` VARCHAR(255) NULL,
+  `hospital_city` VARCHAR(150) NULL,
+  `hospital_state` VARCHAR(150) NULL,
+  `hospital_pin_code` VARCHAR(20) NULL,
+  `hospital_address` TEXT NULL,
+  `gender` VARCHAR(30) NULL,
+  `age` VARCHAR(20) NULL,
+  `relation` VARCHAR(50) NULL,
+  `is_active` TINYINT(1) NOT NULL DEFAULT 1,
+  `created_at` DATETIME NULL,
+  `updated_at` DATETIME NULL,
+  PRIMARY KEY (`id`),
+  UNIQUE KEY `uq_claim_report_policy_claim` (`client_policy_id`, `claim_number`),
+  KEY `idx_claim_report_policy_active` (`client_policy_id`, `is_active`),
+  KEY `idx_claim_report_ticket` (`ticket_id`),
+  KEY `idx_claim_report_source` (`source_table`, `source_row_id`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4;
+
+-- -----------------------------------------------------------------------------
+-- 2026-08-01 / 2026-08-04 | Dependent add approval tracking
+-- Migrations:
+--   2026-08-01-043000_AddDependentApprovalTrackingColumns
+--   2026-08-04-064500_AddRejectReasonToEmployeesAndEmployeePolices
+--   2026-08-04-065000_RenameApprovedByToProcessedBy
+-- -----------------------------------------------------------------------------
+
+-- employees
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE() AND table_name = 'employees' AND column_name = 'emp_created_by'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE employees ADD COLUMN emp_created_by VARCHAR(50) NULL DEFAULT NULL COMMENT ''Creator role: HR / USER'' AFTER emp_status',
+    'SELECT ''employees.emp_created_by already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+-- Rename approved_by -> processed_by when needed
+SET @sql := (
+    SELECT IF(
+        EXISTS (
+            SELECT 1 FROM information_schema.columns
+            WHERE table_schema = DATABASE() AND table_name = 'employees' AND column_name = 'approved_by'
+        )
+        AND NOT EXISTS (
+            SELECT 1 FROM information_schema.columns
+            WHERE table_schema = DATABASE() AND table_name = 'employees' AND column_name = 'processed_by'
+        ),
+        'ALTER TABLE employees CHANGE COLUMN approved_by processed_by VARCHAR(50) NULL DEFAULT NULL COMMENT ''Processor role: HR / ACM (approve or reject)''',
+        'SELECT ''employees.processed_by rename skipped'' AS info'
+    )
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE() AND table_name = 'employees' AND column_name = 'processed_by'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE employees ADD COLUMN processed_by VARCHAR(50) NULL DEFAULT NULL COMMENT ''Processor role: HR / ACM (approve or reject)'' AFTER emp_created_by',
+    'SELECT ''employees.processed_by already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE() AND table_name = 'employees' AND column_name = 'reject_reason'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE employees ADD COLUMN reject_reason TEXT NULL DEFAULT NULL COMMENT ''Reason when dependent addition is rejected'' AFTER processed_by',
+    'SELECT ''employees.reject_reason already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+-- employee_polices
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE() AND table_name = 'employee_polices' AND column_name = 'emp_policy_created_by'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE employee_polices ADD COLUMN emp_policy_created_by VARCHAR(50) NULL DEFAULT NULL COMMENT ''Creator role: HR / USER'' AFTER status',
+    'SELECT ''employee_polices.emp_policy_created_by already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @sql := (
+    SELECT IF(
+        EXISTS (
+            SELECT 1 FROM information_schema.columns
+            WHERE table_schema = DATABASE() AND table_name = 'employee_polices' AND column_name = 'approved_by'
+        )
+        AND NOT EXISTS (
+            SELECT 1 FROM information_schema.columns
+            WHERE table_schema = DATABASE() AND table_name = 'employee_polices' AND column_name = 'processed_by'
+        ),
+        'ALTER TABLE employee_polices CHANGE COLUMN approved_by processed_by VARCHAR(50) NULL DEFAULT NULL COMMENT ''Processor role: HR / ACM (approve or reject)''',
+        'SELECT ''employee_polices.processed_by rename skipped'' AS info'
+    )
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE() AND table_name = 'employee_polices' AND column_name = 'processed_by'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE employee_polices ADD COLUMN processed_by VARCHAR(50) NULL DEFAULT NULL COMMENT ''Processor role: HR / ACM (approve or reject)'' AFTER emp_policy_created_by',
+    'SELECT ''employee_polices.processed_by already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE() AND table_name = 'employee_polices' AND column_name = 'reject_reason'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE employee_polices ADD COLUMN reject_reason TEXT NULL DEFAULT NULL COMMENT ''Reason when dependent addition is rejected'' AFTER processed_by',
+    'SELECT ''employee_polices.reject_reason already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+-- -----------------------------------------------------------------------------
+-- 2026-08-11 | Retail policy renewal reminder
+-- Source: writable/sql/retail_policy_reminder_schema.sql
+-- -----------------------------------------------------------------------------
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE()
+      AND table_name = 'policy_transaction'
+      AND column_name = 'renewal_status'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE policy_transaction ADD COLUMN renewal_status VARCHAR(50) NULL DEFAULT NULL AFTER renewal_date',
+    'SELECT ''policy_transaction.renewal_status already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+SET @col := (
+    SELECT COUNT(1) FROM information_schema.columns
+    WHERE table_schema = DATABASE()
+      AND table_name = 'notifications'
+      AND column_name = 'config_json'
+);
+SET @sql := IF(@col = 0,
+    'ALTER TABLE notifications ADD COLUMN config_json LONGTEXT NULL AFTER common_mail',
+    'SELECT ''notifications.config_json already exists'' AS info'
+);
+PREPARE stmt FROM @sql; EXECUTE stmt; DEALLOCATE PREPARE stmt;
+
+INSERT INTO `notifications` (
+  `client_id`,
+  `template_name`,
+  `subject`,
+  `mail_content`,
+  `enabled`,
+  `config_json`
+)
+SELECT
+  NULL,
+  'retail_reminder_mail',
+  'Policy Renewal Reminder',
+  '',
+  1,
+  '{"enabled":true,"daily":true,"days":"mon,tue,wed,thu,fri","clientTypes":[2],"dateField":"renewal_date","daysBefore":30,"includeClientEmail":true,"includeOverdue":false,"toEmails":"","ccEmails":"","bccEmails":"","fromMail":""}'
+FROM DUAL
+WHERE NOT EXISTS (
+  SELECT 1
+  FROM `notifications`
+  WHERE `template_name` = 'retail_reminder_mail'
+    AND (`client_id` IS NULL OR `client_id` = 0)
+);
+
+-- =============================================================================
+-- END
+-- Optional demo data (not included): app/Database/digit_motor_demo_seed.sql
+-- =============================================================================

writable/sql/retail_policy_reminder_schema.sql

@@ -0,0 +1,36 @@
+-- Retail Policy Reminder: schema + seed
+-- Run manually against the application database.
+
+-- 1) policy_transaction.renewal_status
+ALTER TABLE `policy_transaction`
+  ADD COLUMN `renewal_status` VARCHAR(50) NULL DEFAULT NULL
+  AFTER `renewal_date`;
+
+-- 2) notifications.config_json
+ALTER TABLE `notifications`
+  ADD COLUMN `config_json` LONGTEXT NULL
+  AFTER `common_mail`;
+
+-- 3) Seed global retail reminder notification (skip if row already exists)
+INSERT INTO `notifications` (
+  `client_id`,
+  `template_name`,
+  `subject`,
+  `mail_content`,
+  `enabled`,
+  `config_json`
+)
+SELECT
+  NULL,
+  'retail_reminder_mail',
+  'Policy Renewal Reminder',
+  '',
+  1,
+  '{"enabled":true,"daily":true,"days":"mon,tue,wed,thu,fri","clientTypes":[2],"dateField":"renewal_date","daysBefore":30,"includeClientEmail":true,"includeOverdue":false,"toEmails":"","ccEmails":"","bccEmails":"","fromMail":""}'
+FROM DUAL
+WHERE NOT EXISTS (
+  SELECT 1
+  FROM `notifications`
+  WHERE `template_name` = 'retail_reminder_mail'
+    AND (`client_id` IS NULL OR `client_id` = 0)
+);