Life insurance
Policyholder App
A mobile-first self-service app for life and health policyholders. It explains each policy in plain language, recovers missed premiums, lets unit-link customers switch funds, updates beneficiaries, and handles reimbursement claims from submission to payment.
- Status
- Interactive prototype
- Updated
- October 2026
- Data
- Fictional, browser-only
- Built by
- Nityo Infotech Indonesia
The short version
Watch the workflow before you open it.
Recorded from the running prototype — every screen in the film is one you can click through yourself.
01 · The problem
Most contact-centre calls are questions the customer could answer themselves.
“Am I covered?”, “Did my premium go through?”, “How do I change my beneficiary?” — each becomes a call, a form or a branch visit.
The prototype puts those answers and actions into one clear app, with every screen explaining itself.
02 · Use cases
Self-service that takes calls off the contact centre
For any life or health insurer whose contact centre answers the same questions every day.
- 01“What am I covered for?”
- Who
- Policyholders with one or more life and health policies.
- The situation
- Policy wording is long, so customers call to ask what their cover actually pays.
- What changes
- A plain-language summary of each policy — who is insured, what it pays, and the premium — in one place.
- 02Missed premium recovery
- Who
- Customers whose autodebit failed.
- The situation
- Policies lapse quietly because customers don’t notice a failed payment.
- What changes
- The app flags the grace period and the customer pays in one tap, bringing the policy back into force.
- 03Unit-link fund switching
- Who
- Customers holding investment-linked policies.
- The situation
- Switching funds means downloading a form, signing it and mailing it in.
- What changes
- Move savings between funds in 10% steps with the value shown live, confirmed at once.
- 04Outpatient claims and beneficiaries
- Who
- Families claiming clinic bills or updating who receives the benefit.
- The situation
- Both mean paperwork, branch visits and waiting for a letter.
- What changes
- Claim a bill back in three steps and follow it to payment; change beneficiaries with shares checked to 100%.
Fits
- Life and health insurers
- Bancassurance customers
- Group-plan members
- Takaful participants
Extends to
- Digital health cards
- Hospital network finder
- Policy loans and withdrawals
- Renewal and upgrade offers
A production build connects to
- Policy administration
- Payment gateway and bank autodebit
- Claims system
- Push, SMS and WhatsApp notifications
03 · Interface previews
Captured from the running prototype
04 · Simulated versus live
What the demo simulates, and what a build would connect
| Capability | In the concept demo | In a production build |
|---|---|---|
| Payments | Simulated | Bank autodebit and virtual accounts |
| Fund prices | Illustrative unit prices | Daily NAV feed |
| Claim documents | Ticked, not uploaded | Secure upload with OCR |
| Identity | Persona switcher | Login with OTP and biometrics |
05 · Prototype limitations
What this demonstration is — and is not
- The insurer, the partner bank and every customer, employee and policy are fictional.
- Premiums, fund returns and underwriting rules are illustrative — not real tariffs or guaranteed values.
- Data stays in this browser. No identity, health, document or payment data is collected.
- No core policy, bank, payment, hospital or OJK reporting system is connected.
Try it
Open it and walk through the workflow.
- 1Open the Investa Link policy and switch funds.
- 2Change a beneficiary — shares must add to 100%.
- 3Claim a clinic bill and move it to Paid.
- 4Switch to Agus Setiadi and pay his missed premium.