Insurance Policy Information - vuuduu/finance_tracker GitHub Wiki

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Generalized Attributes for All Insurance Policies

  • Policy Number: Unique identifier for the policy.
  • Provider: Name of the insurance company.
  • Premium: The amount the policyholder pays, usually periodically (monthly, quarterly, or annually).
  • Coverage Period: The duration for which the policy is active (start date and end date).
  • Insured Amount (Coverage Limit): The maximum amount the insurer will pay for a covered loss.
  • Deductible: The amount the policyholder must pay out-of-pocket before insurance coverage begins.

Special Attributes for Each Category

Auto Insurance

Personal Auto Insurance (100), Commercial Auto Insurance (100), Usage-Based Insurance (50)

  • Vehicle Information: Make, model, year, VIN (Vehicle Identification Number)
  • Driver Information: Driver’s name, age, driving record
  • Usage Type: Personal or commercial use
  • Coverage Types: Liability, collision, comprehensive, uninsured motorist
  • Mileage: Annual or monthly mileage (especially for Usage-Based Insurance)
  • Telematics Device: Information on installed device for tracking driving behavior (for Usage-Based Insurance)

Health Insurance

Dental Insurance (50), Vision Insurance (50)

  • Individual/Family Plan: Specifies if the plan is for an individual or a family
  • Copayment (Copay): Fixed amount paid for services
  • Coinsurance: Percentage of costs the policyholder pays after the deductible
  • Network Providers: List of covered healthcare providers
  • Annual Maximum: Maximum amount the insurance will pay annually
  • Covered Services: Details of covered dental or vision services (e.g., cleanings, exams, glasses)

Business Insurance

General Liability (150), Commercial Property (100), Worker Compensation (100)

  • Business Type: Industry and business activities
  • Employee Count: Number of employees (important for Worker Compensation)
  • Annual Revenue: Business revenue, which can impact premiums
  • Coverage Types: Specific coverages within the policy (e.g., bodily injury, property damage)
  • Property Information: Details of the property insured (location, size, construction)
  • Occupational Risks: Description of job-related risks (for Worker Compensation)

Home Insurance

Homeowner Insurance (100), Renter Insurance (50), Condo Insurance (50)

  • Property Address: Location of the property
  • Property Type: House, apartment, condo
  • Property Value: Estimated value of the property
  • Coverage Types: Structure, personal property, liability
  • Additional Living Expenses (ALE): Coverage for temporary housing if the home is uninhabitable
  • Security Features: Information on installed security systems (e.g., alarms, cameras)

Specialty Insurance

Travel Insurance (50), Pet Insurance (50)

  • Travel Destination: Locations covered by the travel insurance
  • Trip Cost: Total cost of the trip being insured
  • Trip Duration: Start and end dates of the trip
  • Coverage Types: Trip cancellation, medical emergencies, lost luggage
  • Pet Information: Breed, age, and health history of the pet
  • Veterinarian Network: List of covered veterinarians and clinics

Example Dataset Entry for Each Category

Auto Insurance - Personal Auto Insurance

  • policyNumber: PA123456
  • provider: ABC Insurance
  • premium: 00/year
  • coveragePeriod: 01/01/2024 - 12/31/2024
  • insuredAmount: 0,000
  • deductible: 00
  • vehicleInformation: Toyota Camry, 2021, 4T1BF1FK4HU123456
  • driverInformation: John Doe, 35, Clean driving record
  • usageType: Personal
  • coverageTypes: Liability, collision, comprehensive
  • mileage: 12,000 miles/year

Health Insurance - Dental Insurance

  • policyNumber: DE789012
  • provider: Smile Insurance
  • premium: 0/month
  • coveragePeriod: 01/01/2024 - 12/31/2024
  • insuredAmount: ,500/year
  • deductible: 0
  • individualFamilyPlan: Family
  • copayment: 0 per visit
  • coinsurance: 20%
  • networkProviders: [List of dentists]
  • annualMaximum: ,500
  • coveredServices: Cleanings, exams, fillings

Business Insurance - General Liability

  • policyNumber: GL345678
  • provider: BizSafe Insurance
  • premium: ,200/year
  • coveragePeriod: 01/01/2024 - 12/31/2024
  • insuredAmount: ,000,000
  • deductible: ,000
  • businessType: Retail
  • employeeCount: 10
  • annualRevenue: 00,000
  • coverageTypes: Bodily injury, property damage
  • propertyInformation: 123 Main St, Anytown, USA

Home Insurance - Homeowner Insurance

  • policyNumber: HO567890
  • provider: HomeSecure Insurance
  • premium: 00/year
  • coveragePeriod: 01/01/2024 - 12/31/2024
  • insuredAmount: 00,000
  • deductible: ,000
  • propertyAddress: 456 Elm St, Anytown, USA
  • propertyType: Single-family home
  • propertyValue: 50,000
  • coverageTypes: Structure, personal property, liability
  • additionalLivingExpenses: Up to 0,000
  • securityFeatures: Alarm system, smoke detectors

Specialty Insurance - Travel Insurance

  • policyNumber: TR901234
  • provider: TravelGuard Insurance
  • premium: 00/trip
  • coveragePeriod: 06/01/2024 - 06/15/2024
  • insuredAmount: ,000
  • deductible: 00
  • travelDestination: Italy
  • tripCost: ,000
  • tripDuration: 06/01/2024 - 06/15/2024
  • coverageTypes: Trip cancellation, medical emergencies, lost luggage

Specialty Insurance - Pet Insurance

  • policyNumber: PE123456
  • provider: PetCare Insurance
  • premium: 0/month
  • coveragePeriod: 01/01/2024 - 12/31/2024
  • insuredAmount: ,000/year
  • deductible: 50
  • petInformation: Labrador Retriever, 3 years, Healthy
  • veterinarianNetwork: [List of vets]