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Consumer Product Insurtech Household Systems

Ledger.
The Family Insurance
Record.

Problem

In Indian households, insurance knowledge lives with one person. Usually the father. Policies scatter across companies, formats, drawers, and inboxes. The rest of the family is one phone call away from information they may suddenly need.

Who knows
Father
Bought every policy. Holds every login.
What exists
HDFC Ergo
SBI Life
Star Health
Employer group
Who needs it
Mother, Pune
Son, London
Daughter, Bangalore
Grandfather, Pune
Knowledge flows one way. Access doesn't.
Insurance terms: Policyholder = person who bought it Insured = person covered by it Sum Insured = max claim amount Floater = one policy, multiple people Cashless = insurer pays hospital directly TPA = Third-Party Administrator, handles claims

"Papa handled all of this. I don't even know which company covers what."

Adult child

"I have the policies. Nobody else knows the passwords."

Father

"My in-laws' policies are in Pune. I'm in London. I don't know how to help in an emergency."

NRI son
Insight

Insurance companies show what they cover.
Nobody shows what the family knows about it.

The gap isn't in coverage. It's in access. And it only shows up when there's no time to fix it.

Solution

Three screens. One job: shared visibility, before the crisis.

01
Household Setup
Four input paths. Every policy tagged with who's covered, who bought it, where the original lives, and who else should know. Metadata is the design contribution.
Sharma Household
Pune . Bangalore . London
RS
SS
AS
PS
MS
AR
How policies come in
Active
Upload PDF
Policy doc, receipt, renewal
Forward emails
biswas.k7m2@ledger.in
DigiLocker
Growing coverage
Add manually
For remembered policies
Adding to library
HDFC Ergo Optima Restore . Family Floater . ₹10L
Parsed from PDF
Who's covered
Rajesh Sunita Priya Aditya Meera Arjun
Who bought it
Rajesh Sharma
Where the original lives
Gmail . Rajesh's inbox
Who else should know
Sunita Aditya Priya
02
Household View
Coverage mapped onto people, not policies. Green means covered. Ochre means gap. Grey means not applicable. The empty cells are the point.
Sharma Household . Coverage View
4 active policies . 2 gaps flagged
Filter Add policy
Family member Health Life Critical Illness Accident
RS
Rajesh Sharma 58 . Pune . Policyholder
HDFC Ergo₹10L floater SBI Life₹1Cr term Gap Gap
SS
Sunita Sharma 56 . Pune
HDFC Ergo₹10L floater Gap Gap Gap
AR
Arjun Sharma 82 . Pune . Senior
Star Health₹5L senior Age N/A Gap Age N/A
PS
Priya Sharma 28 . Bangalore
HDFC + Employer₹10L + ₹5L Gap Gap Gap
AS
Aditya Sharma 31 . London . NRI
UK private Gap UK private UK private
MS
Meera Sharma 29 . London
UK private UK private UK private UK private
Annual outflow
₹87,420
across 4 policies
Next renewal
HDFC Ergo
12 Feb 2026 . in 22 days
Needs attention
2 policies
missing original documents
Living Library . recent activity
HDFC Ergo renewal notice from Rajesh's inbox . added to library 2 min ago
New policy detected . Bajaj Allianz. Tag it? Yesterday
03
Someone Needs It Now
Any family member logs in. Picks a person and a situation. Gets a straight read: what's covered, who to call, what documents, and the next three actions with owners.
Something's happening
Arjun Sharma . Hospitalization . Ruby Hall Clinic, Pune
Covered by
Star Health Senior Citizen . ₹5L sum insured
✓ Cashless available at Ruby Hall Clinic
Who to call first
Star Health TPA . 1800 425 2255 Also loop in Rajesh Sharma, who bought this policy
Documents needed
Policy schedule . Arjun's ID . Pre-auth form All three ready in library. Download bundle.
What's covered
Room rent up to ₹4,000/day Pre-existing conditions covered after 2 years. Senior policy is active since 2021.
Likely out-of-pocket
₹15,000 . ₹25,000 Room upgrade + non-covered items. Rough estimate.
Next 3 actions
1
Call TPA to intimate hospitalization
Any family member
Within 24 hrs
2
Submit pre-authorization at hospital desk
Sunita . at hospital
Today
3
Keep original bills and discharge summary
Rajesh . at home
Ongoing
Impact
Design principles surfaced
01
Household is the object.
Not the user.
Users get added to households. Not the other way around. The whole thesis lives in the data model.
02
Onboarding is behavior.
Not a form.
Email forwarding, DigiLocker pulls, upload drops. The library grows silently through workflows already in motion.
03
Metadata is for access.
Not just records.
Every policy carries who bought it, who's covered, where the original lives, who else needs to know. The gatekeeper problem, solved structurally.
+
Framework extensibility
The household-as-primary-object model extends to any coordination that concentrates in one person and fails when others need in. Wills, investments, tax filings, medical history. Same structural gap. Same design pattern.
My process
01
Research
Mapped how insurance actually gets handled in Indian households. Found the structural gap.
02
Define
Rejected persona lock-in. Framed the problem as knowledge concentration, not user type.
03
Design
Built the household-first data model. Four input paths. Metadata as first-class object.
04
Prototype
Prototyped the crisis flow so any family member gets the same clear answer, from anywhere.