InsurancePolicy

Required fields

idpolicyTypeproviderOrganisationId

Fields

Field	Type	Description
claimStatus	enum	Current status of any claim against this policy active: policy is active, no claim. claim_submitted: death benefit claim submitted to insurer. claim_approved: claim approved by insurer. claim_paid: claim paid out. claim_disputed: claim disputed — may be under investigation or legally contested. pending: legacy value — claim submitted, awaiting decision. approved: legacy value — claim approved. paid: legacy value — claim paid out. declined: claim declined by insurer.
coverAmount	Money	Total cover amount (sum assured for life, rebuild cost for home, etc.) in minor currency units
deathBenefit	object	Death benefit details — what is payable on the policyholder's death, to whom, and how
depositorProtection	object	Financial compensation scheme protection status. In the UK, the FSCS protects insurance policyholders if the insurer fails. Knowing whether a policy is protected matters for estate risk assessment
externalPolicyRef	string	URI pointing to an external policy record (FHIR Coverage resource, or any external insurance management system) FHIR R5 Coverage resource reference. Generic — works with any insurance system.
funeralPlanDetails	object	Details specific to funeral plan insurance
id	string	Unique identifier for this insurance policy within the INHERIT document
maturityDate	string	Date the policy matures (for endowment policies and investment-linked policies)
nominationLifecycle	object	Lifecycle tracking for policy nominations — tracks the current nomination status and any superseding nominations CPF Board-requested: Central Provident Fund requires precise nomination tracking for death benefit distribution
notes	string	Free-text notes about this insurance policy
policyConditions	array[object]	Conditions, exclusions, or clauses that affect the policy — e.g. suicide clause, contestability period, pre-existing condition exclusions
policyNumber	string	The insurance policy number or reference
policyType	object	The type of insurance policy life: life insurance (term, whole life, endowment). home: buildings and contents insurance. health: private medical or health insurance. motor: car, motorcycle, or vehicle insurance. travel: travel insurance policy. pet: pet insurance policy. professional_indemnity: professional indemnity or liability insurance. other: any other insurance type.
premiumAmount	Money	Premium amount per payment period, in minor currency units
premiumFrequency	enum	How often premiums are paid monthly: paid every month. annual: paid once per year. single_premium: one-off payment. paid_up: no further premiums due. other: any other frequency.
provenance	Provenance	Consolidated provenance metadata — how this entity was created, by whom, and whether a human has verified it
providerOrganisationId	string	Reference to the Organisation.id of the insurance provider
providerOrganisationIdDisplay	string	Human-readable display name for the referenced provider organisation
renewalDate	string	Next renewal date. Important — cover may lapse if not renewed after death
trustDetails	object	Details of the trust holding this policy, if writtenInTrust is true
writtenInTrust	boolean	Whether the policy is written in trust. If true, proceeds pass outside the estate and are not subject to inheritance tax

active

claim_submitted

claim_approved

claim_paid

claim_disputed

pending

approved

paid

declined

active: policy is active, no claim. claim_submitted: death benefit claim submitted to insurer. claim_approved: claim approved by insurer. claim_paid: claim paid out. claim_disputed: claim disputed — may be under investigation or legally contested. pending: legacy value — claim submitted, awaiting decision. approved: legacy value — claim approved. paid: legacy value — claim paid out. declined: claim declined by insurer.

monthly

annual

single_premium

paid_up

other

monthly: paid every month. annual: paid once per year. single_premium: one-off payment. paid_up: no further premiums due. other: any other frequency.