Insurance Tech
Insurance Tech
1. **Administrator**
- **Functions**: System-wide management including user roles, policies, and
settings.
- **Technologies**: Access to all services via API Gateway, role-based access
control (RBAC).
2. **Member**
- **Functions**: Manage personal insurance policies, submit claims, make
payments.
- **Technologies**: User interfaces (UI) for web and mobile, integrated with
User Management, Policy Management, and Claims Management Services.
3. **Employer**
- **Functions**: Manage group policies, track employee benefits.
- **Technologies**: UI integrated with Policy Management Service, secure
communication for managing employee data.
4. **Provider**
- **Functions**: Process claims, provide services.
- **Technologies**: Interaction through Claims Management Service, secure data
exchange protocols.
5. **Agent**
- **Functions**: Assist in policy selection, claims processing.
- **Technologies**: Access to Policy and Claims Management Services, customer
relationship management (CRM) tools.
1. **API Gateway**
- **Role**: Centralized entry point for all requests.
- **Features**: Load balancing, rate limiting, authentication and authorization,
API routing.
- **Technologies**: Nginx, Kong, AWS API Gateway.
2. **Microservices**
- **User Management Service**
- **Function**: Handles user authentication, registration, and profile
management.
- **Technologies**: Spring Boot (Java), Express (Node.js), JWT for
authentication.
- **Policy Management Service**
- **Function**: Manages insurance policies lifecycle.
- **Technologies**: RESTful APIs, database for policy data, caching for
frequently accessed data.
- **Claims Management Service**
- **Function**: Processes insurance claims.
- **Technologies**: Microservices architecture, workflow management tools.
- **Payment Service**
- **Function**: Manages transactions, premium payments.
- **Technologies**: Secure payment gateways (Stripe, PayPal), PCI DSS
compliance.
- **Notification Service**
- **Function**: Sends alerts and updates to users.
- **Technologies**: Email/SMS APIs, message queues (RabbitMQ, Kafka).
3. **Databases**
- **User Database**
- **Function**: Stores user data.
- **Technologies**: SQL (PostgreSQL, MySQL), NoSQL (MongoDB).
- **Policy Database**
- **Function**: Stores policy information.
- **Technologies**: Relational databases with ACID compliance.
- **Claims Database**
- **Function**: Maintains claims records.
- **Technologies**: Document stores for flexibility, relational databases for
structured data.
- **Payment & Notification Database**
- **Function**: Stores transaction records and notifications.
- **Technologies**: Highly available, consistent storage systems.
4. **Security**
- **Role**: Protects data and user privacy.
- **Technologies**: JWT for secure authentication, OAuth2 for authorization,
HTTPS for data in transit, encryption for data at rest.
6. **Role-Specific Management**
- **Role**: Custom interfaces and functionalities tailored for different user
roles.
- **Technologies**: Micro-frontends, role-based UI/UX design, secure APIs for
role-specific data access.
This technical setup ensures a robust, secure, and efficient system capable of
handling complex insurance operations and providing a seamless experience for all
user roles.