harness_zbt/backend/tests/test_surrender_rules.py

from datetime import UTC, date, datetime

from zbt.domains.enrollment.models import Policy
from zbt.domains.surrender.rules import SurrenderRule


def test_policy_in_cooling_off_period_is_explained_as_full_refund() -> None:
    policy = Policy(
        id="01KZ0000000000000000000101",
        policy_no="ZBT-P-20260727-0101",
        order_id="01KZ0000000000000000000102",
        user_id="01KZ0000000000000000000103",
        product_id="01KZ0000000000000000000104",
        product_version_id="01KZ0000000000000000000105",
        plan_id="01KZ0000000000000000000106",
        premium_cents=15_900,
        currency="CNY",
        coverage_start=date(2026, 7, 27),
        coverage_end=date(2027, 7, 26),
        status="ACTIVE",
        issued_at=datetime(2026, 7, 26, 8, 0, tzinfo=UTC),
    )

    quote = SurrenderRule().quote(policy, date(2026, 7, 29))

    assert quote.cooling_off is True
    assert quote.refund_amount_cents == 15_900
    assert quote.deduction_cents == 0
    assert quote.refund_basis == "COOLING_OFF_FULL_REFUND"
    assert quote.refund_explanation == "保单仍在10天犹豫期内，按已交保费全额退还。"