🛡️ Insurance · Database ERD
Insurance Database Schema
A relational schema for an insurer: customers, policies, coverages, insured objects, premiums, claims and payments.
Drawing diagram…
What this diagram shows
- A policy has several coverages and insured objects
- Premium schedule and payments are tracked per policy
- Claims link to the coverage they are made under
Prompt used
ERD for an insurance system: Customer holds Policies; Policy has Coverages (with sum insured and deductible) and InsuredObjects (vehicle, person, property); PremiumSchedule lists instalments and Payments settle them; Claim is filed against a Policy and Coverage, with ClaimPayments.
Mermaid code
erDiagram
CUSTOMER ||--o{ POLICY : holds
POLICY ||--|{ COVERAGE : includes
POLICY ||--|{ INSURED_OBJECT : covers
POLICY ||--|{ PREMIUM_SCHEDULE : "billed by"
PREMIUM_SCHEDULE ||--o| PAYMENT : "settled by"
POLICY ||--o{ CLAIM : "claimed under"
COVERAGE ||--o{ CLAIM : "applies to"
CLAIM ||--o{ CLAIM_PAYMENT : pays
POLICY {
int id PK
int customer_id FK
string policy_no
date start_date
date end_date
}
COVERAGE {
int id PK
int policy_id FK
string type
decimal sum_insured
decimal deductible
}
CLAIM {
int id PK
int policy_id FK
int coverage_id FK
decimal amount_claimed
string status
}Related templates
Insurance Claims Lifecycle
The states of an insurance claim from first notice of loss to payment or closure, including investigation and appeals.
Insurance Policy Administration System
The core system of an insurer: quoting, underwriting, policy issue, billing and claims, used by customers, agents and underwriters.
Insurance Underwriting Workflow
How a life or health insurance proposal is underwritten: automated rules, medical tests where needed, and the underwriter's decision.
Insurance Quote to Bind Sequence
How a customer buys motor insurance online: quote, add-ons, vehicle and previous-policy checks, payment and instant policy issue.
Insurance Claim Fraud Scoring
How an insurer scores incoming claims for fraud: data enrichment, rules, an ML model and a special investigation unit queue.
Motor Insurance Claim Sequence
What happens between a policyholder, the insurer's app, a surveyor and a garage when a car insurance claim is made.