Insurance Management System

A comprehensive solution for the Nepali insurance market

📋 Overview

The Insurance Management System is a robust, enterprise-grade application designed specifically for the Nepali insurance market. It streamlines the entire insurance lifecycle from policy creation to claims settlement, surrender processing, and regulatory compliance.

👉 View System Screenshot

Dashboard preview image would go here

✨ Key Features

📝 Policy Administration	Create and manage diverse policy types with customizable parameters
💰 Premium Management	Automated calculation with Nepal-specific tax compliance
⚠️ Claims Processing	Complete workflow from submission to settlement
👥 Agent Network	Commission tracking, licensing, and performance analytics
💸 Loan Management	Policy loans with interest calculation
📄 Surrender Processing	GSV/SSV calculations with certificate generation
⚖️ Regulatory Compliance	Built-in features for Beema Samiti requirements
📊 Comprehensive Reporting	Business intelligence across all operations

🏗️ Architecture

The system follows Django's MVT (Model-View-Template) architecture with:

• Role-based access control for different stakeholder types
• Customized Django admin for insurance-specific operations
• MySQL database for robust data integrity
• Responsive frontend for both staff and policyholder access

👉 View Architecture Diagram

Architecture diagram would go here

🛠️ Tech Stack

Backend

• Django 4.x - Web framework
• Django REST Framework - API development
• Celery - Task scheduling
• Redis - Caching and message broker

Frontend

• HTML5/CSS3 - Structure and styling
• JavaScript/jQuery - Interactive components
• Bootstrap - Responsive design
• Chart.js - Data visualization

Database

• MySQL 13+ - Primary database
• Django ORM - Object-relational mapping
• Database migrations - Schema management
• Backup tools - Data protection

Deployment

• Nginx - Web server
• Gunicorn - WSGI server
• GitHub Actions - CI/CD pipeline

🚀 Getting Started

Prerequisites

• Python 3.8+
• MySQL13+
• Git

Installation

1. Using Traditional Method

1. Clone repository

   git clone https://github.com/nurpratapkarki/insurance-management-r.git
   cd insurance-management

2. Set up virtual environment

   python -m venv venv
   source venv/bin/activate  # On Windows: venv\Scripts\activate

3. Install dependencies

   pip install -r requirements.txt

4. Configure environment

   # Create .env file with the following content:
   DEBUG=True
   SECRET_KEY=your-secret-key
   DATABASE_URL=postgres://username:password@localhost:5432/insurance_db

5. Run migrations

   python manage.py makemigrations
   python manage.py migrate

6. Create admin user

   python manage.py createsuperuser

7. Launch server

   python manage.py runserver

   Visit http://localhost:8000/admin/ to access the system.

2. Using UV

1. Install UV (if not already installed).

   pip install uv
   curl -LsSf https://astral.sh/uv/install.sh | sh # For Linux/Mac
   irm https://astral.sh/uv/install.ps1 | iex  # For Windows
   

   Check UV [docs](https://docs.astral.sh/uv/) for more info.
2. Run migrations

   uv run manage.py makemigrations
   uv run manage.py migrate

3. Create admin user

   uv run manage.py createsuperuser

4. Launch server

   uv run manage.py runserver

   Visit http://localhost:8000/admin/ to access the system.

📊 Core Modules

👥 User Management

Multi-level user hierarchy with specialized roles:

• Superadmins - Complete system access
• Company Admins - Organization-wide management
• Branch Admins - Branch-specific operations
• Underwriters - Risk assessment and approvals
• Agents - Policy sales and customer management
• Policyholders - Self-service portal

📝 Policy Management

Configure and manage all aspects of insurance policies:

• Multiple policy types (Term, Endowment, etc.)
• Customizable policy parameters
• Document management
• Underwriting workflows
• Policy lifecycle tracking

💰 Premium Management

Comprehensive premium handling:

• Risk-based calculation engine
• Multiple payment frequencies
• Late payment processing
• Nepal tax compliance (VAT, service tax)
• Receipt generation

⚠️ Claims Processing

End-to-end claims workflow:

• Multi-stage verification
• Document management
• Benefit calculation
• Loan adjustment
• Payment tracking

💸 Loan Management

Policy-secured loan processing:

• Eligibility calculation
• Interest accrual
• Repayment tracking
• Integration with claims/surrender

🤝 Agent Management

Complete agent lifecycle:

• Licensing and credentials
• Performance tracking
• Commission calculation
• Hierarchical structures
• Document storage

📄 Surrender Processing

Handle policy surrenders:

• Calculation of surrender values
• Loan adjustment
• Documentation
• Certificate generation
• Multi-step approval workflow

👩‍💼 Admin Guide

Main Administrative Sections

• Dashboard - /admin/
• Policy Management - /admin/app/policyholder/
• Premium Management - /admin/app/premiumpayment/
• Claims Management - /admin/app/claimrequest/
• Loan Management - /admin/app/loan/
• Surrender Management - /admin/app/policysurrender/
• Agent Management - /admin/app/salesagent/
• Reporting - Various report-specific URLs

Special Features

• Surrender Certificate Printing - Available from surrender detail page
• Policy Renewal - Access via renewal list page
• OTP Authentication - For sensitive operations
• Audit Logging - Tracks all system activities

🔐 Security Features

• Role-based access control - Users can only access permitted modules
• Data encryption - Sensitive data is encrypted at rest
• Session management - Security settings for session timeouts
• Comprehensive audit logging - Tracks all sensitive operations
• Automated backups - Regular database backups

⚖️ Regulatory Compliance

Designed specifically for Nepal's insurance market:

• Beema Samiti (Insurance Board) compliance
• Nepal-specific tax handling (VAT, service tax, TDS)
• Required regulatory documentation
• Statutory reporting

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Developed by Nur Pratap Karki | © 2025 All Rights Reserved