Develop a Digital Insurance Platform for Student Travel and Health Coverage

The client faces difficulties in offering an efficient, user-friendly platform that enables students and international travelers to rapidly select, customize, and purchase insurance policies without extensive documentation. Existing processes are time-consuming, lack flexibility, and do not provide seamless access to policy details once purchased, impacting customer satisfaction and operational efficiency.

A technology-driven insurance provider targeting students and international travelers seeking simplified insurance purchase processes with customizable coverage options.

• Create an intuitive platform for students and foreign travelers to purchase insurance packages quickly and securely.
• Implement user flow that allows users to select their status (domestic or international), insurance type, and customize coverage parameters including scope, duration, destination, and add-ons.
• Enable users to fill in necessary insurance data and receive their agreements via email immediately post-purchase.
• Allow users to access and manage all insurance policies through a centralized account even without registration, ensuring convenience and transparency.
• Design the system to support multiple insurance products, including travel, health, and accident coverage, tailored for diverse user needs.

• User onboarding with simple identification as domestic or international traveler.
• Flexible selection of insurance packages based on user needs (travel, accident, health).
• Customizable coverage options including scope, period, destinations, and extra packages.
• Form-driven data entry for insurance details with validation checks.
• Secure online payment processing integrated into the platform.
• Automatic generation and email delivery of insurance agreements post-purchase.
• A lightweight account system providing access to purchased policies without mandatory registration, with data security compliance.
• Administrative backend for managing insurance offerings, policies, and user access.

• Payment processing service provider for secure transactions.
• Email service for automated delivery of insurance agreements.
• Database system for storing policy and user info.
• Potential third-party validation services for identity verification if applicable.

• System must support rapid transaction processing with high availability.
• Data security standards must comply with GDPR and other relevant regulations.
• The platform should handle scalability to accommodate increasing user load in the future.
• Performance benchmarks: page load time under 2 seconds; API response under 500ms.

The implementation of this digital insurance platform is expected to significantly reduce the time and effort required for students and travelers to obtain insurance, increase sales conversion rates by providing a user-friendly experience, and enable easy management of policies. Improved operational efficiency and customer satisfaction are anticipated, leading to higher market competitiveness. The platform aims to facilitate policy issuance immediately after payment, with an emphasis on data security and scalability, supporting growth in diverse markets.