Fix form keyboard issues and sticky footers in agent screens

src/modules/insurance/components/InsuranceCategoryChip.tsx

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+import React, { memo } from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { useTheme } from '../../../theme';
+import type { InsuranceCategory } from '../types';
+import { INSURANCE_CATEGORY_META } from '../types';
+
+interface InsuranceCategoryChipProps {
+  category: InsuranceCategory;
+  selected: boolean;
+  onPress: () => void;
+}
+
+const InsuranceCategoryChipComponent = ({
+  category,
+  selected,
+  onPress,
+}: InsuranceCategoryChipProps) => {
+  const theme = useTheme();
+  const meta = INSURANCE_CATEGORY_META[category];
+
+  return (
+    <Pressable onPress={onPress}>
+      <View
+        style={[
+          styles.chip,
+          {
+            borderColor: selected ? meta.accentColor : theme.colors.cardBorder,
+            backgroundColor: selected ? `${meta.accentColor}10` : theme.colors.surface,
+          },
+        ]}
+      >
+        <View
+          style={[
+            styles.iconWrap,
+            {
+              backgroundColor: selected ? `${meta.accentColor}18` : theme.colors.surfaceMuted,
+            },
+          ]}
+        >
+          <Ionicons
+            name={meta.icon as any}
+            size={18}
+            color={selected ? meta.accentColor : theme.colors.textSecondary}
+          />
+        </View>
+        <Text
+          style={[
+            styles.label,
+            {
+              color: selected ? theme.colors.textPrimary : theme.colors.textSecondary,
+            },
+          ]}
+        >
+          {category}
+        </Text>
+      </View>
+    </Pressable>
+  );
+};
+
+const styles = StyleSheet.create({
+  chip: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 10,
+    borderWidth: 1,
+    borderRadius: 16,
+    paddingHorizontal: 12,
+    paddingVertical: 10,
+  },
+  iconWrap: {
+    width: 34,
+    height: 34,
+    borderRadius: 10,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  label: {
+    fontSize: 13,
+    fontWeight: '700',
+  },
+});
+
+export const InsuranceCategoryChip = memo(InsuranceCategoryChipComponent);

src/modules/insurance/components/InsuranceClaimCard.tsx

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+import React, { memo } from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+
+import { Card } from '../../../components';
+import { useTheme } from '../../../theme';
+import { formatCurrency, formatDate } from '../../../utils/formatters';
+import type { InsuranceClaim } from '../types';
+import { InsuranceStatusPill } from './InsuranceStatusPill';
+
+interface InsuranceClaimCardProps {
+  claim: InsuranceClaim;
+}
+
+const InsuranceClaimCardComponent = ({ claim }: InsuranceClaimCardProps) => {
+  const theme = useTheme();
+
+  return (
+    <Card style={styles.card}>
+      <View style={styles.header}>
+        <View style={styles.copy}>
+          <Text style={[styles.title, { color: theme.colors.textPrimary }]}>{claim.reason}</Text>
+          <Text style={[styles.meta, { color: theme.colors.textSecondary }]}>
+            {claim.claimNumber} · {claim.policyName}
+          </Text>
+        </View>
+        <InsuranceStatusPill status={claim.status} />
+      </View>
+      <Text style={[styles.notes, { color: theme.colors.textMuted }]}>{claim.notes}</Text>
+      <View style={styles.metrics}>
+        <Text style={[styles.metricText, { color: theme.colors.textPrimary }]}>
+          {formatCurrency(claim.amount)}
+        </Text>
+        <Text style={[styles.metricText, { color: theme.colors.textSecondary }]}>
+          Event {formatDate(claim.eventDate)}
+        </Text>
+        <Text style={[styles.metricText, { color: theme.colors.textSecondary }]}>
+          Updated {formatDate(claim.updatedAt)}
+        </Text>
+      </View>
+    </Card>
+  );
+};
+
+const styles = StyleSheet.create({
+  card: {
+    gap: 12,
+  },
+  header: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    gap: 12,
+  },
+  copy: {
+    flex: 1,
+    gap: 2,
+  },
+  title: {
+    fontSize: 15,
+    fontWeight: '800',
+  },
+  meta: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  notes: {
+    fontSize: 12,
+    lineHeight: 18,
+  },
+  metrics: {
+    gap: 4,
+  },
+  metricText: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+});
+
+export const InsuranceClaimCard = memo(InsuranceClaimCardComponent);

src/modules/insurance/components/InsuranceDocumentItem.tsx

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+import React, { memo } from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { useTheme } from '../../../theme';
+import { formatDate } from '../../../utils/formatters';
+import type { InsuranceDocument } from '../types';
+import { InsuranceStatusPill } from './InsuranceStatusPill';
+
+interface InsuranceDocumentItemProps {
+  document: InsuranceDocument;
+  onView?: () => void;
+  onReupload?: () => void;
+}
+
+const InsuranceDocumentItemComponent = ({
+  document,
+  onView,
+  onReupload,
+}: InsuranceDocumentItemProps) => {
+  const theme = useTheme();
+
+  return (
+    <View
+      style={[
+        styles.card,
+        {
+          borderColor: theme.colors.cardBorder,
+          backgroundColor: theme.colors.surface,
+        },
+      ]}
+    >
+      <View style={[styles.iconWrap, { backgroundColor: theme.colors.surfaceMuted }]}>
+        <Ionicons name="document-text-outline" size={20} color={theme.colors.primary} />
+      </View>
+      <View style={styles.copy}>
+        <Text style={[styles.name, { color: theme.colors.textPrimary }]}>{document.name}</Text>
+        <Text style={[styles.meta, { color: theme.colors.textMuted }]}>
+          {document.type} · {formatDate(document.uploadedAt)}
+        </Text>
+        {document.rejectionReason ? (
+          <Text style={[styles.reason, { color: theme.colors.error }]}>
+            {document.rejectionReason}
+          </Text>
+        ) : null}
+      </View>
+      <View style={styles.actions}>
+        <InsuranceStatusPill status={document.status} />
+        {onView ? (
+          <Pressable onPress={onView}>
+            <Text style={[styles.link, { color: theme.colors.primary }]}>View</Text>
+          </Pressable>
+        ) : null}
+        {onReupload ? (
+          <Pressable onPress={onReupload}>
+            <Text style={[styles.link, { color: theme.colors.primary }]}>Re-upload</Text>
+          </Pressable>
+        ) : null}
+      </View>
+    </View>
+  );
+};
+
+const styles = StyleSheet.create({
+  card: {
+    flexDirection: 'row',
+    alignItems: 'flex-start',
+    borderRadius: 16,
+    borderWidth: 1,
+    padding: 14,
+    gap: 12,
+  },
+  iconWrap: {
+    width: 40,
+    height: 40,
+    borderRadius: 12,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  copy: {
+    flex: 1,
+    gap: 3,
+  },
+  name: {
+    fontSize: 14,
+    fontWeight: '800',
+  },
+  meta: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  reason: {
+    fontSize: 11,
+    lineHeight: 16,
+  },
+  actions: {
+    alignItems: 'flex-end',
+    gap: 6,
+  },
+  link: {
+    fontSize: 12,
+    fontWeight: '700',
+  },
+});
+
+export const InsuranceDocumentItem = memo(InsuranceDocumentItemComponent);

src/modules/insurance/components/InsuranceOtpModal.tsx

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+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+
+import { AppModal, Button, Input } from '../../../components';
+import { useTheme } from '../../../theme';
+
+interface InsuranceOtpModalProps {
+  visible: boolean;
+  title: string;
+  description: string;
+  otp: string;
+  loading?: boolean;
+  error?: string;
+  mockCodeHint?: string;
+  onOtpChange: (value: string) => void;
+  onClose: () => void;
+  onConfirm: () => void;
+}
+
+export const InsuranceOtpModal = ({
+  visible,
+  title,
+  description,
+  otp,
+  loading = false,
+  error,
+  mockCodeHint,
+  onOtpChange,
+  onClose,
+  onConfirm,
+}: InsuranceOtpModalProps) => {
+  const theme = useTheme();
+
+  return (
+    <AppModal visible={visible} title={title} description={description} onClose={onClose}>
+      <Input
+        label="OTP"
+        value={otp}
+        onChangeText={onOtpChange}
+        keyboardType="number-pad"
+        maxLength={6}
+        placeholder="Enter 6-digit OTP"
+        error={error}
+      />
+      {mockCodeHint ? (
+        <View
+          style={[styles.hintCard, { backgroundColor: theme.colors.surfaceMuted }]}
+        >
+          <Text style={[styles.hintLabel, { color: theme.colors.textSecondary }]}>
+            Mock OTP
+          </Text>
+          <Text style={[styles.hintValue, { color: theme.colors.textPrimary }]}>
+            {mockCodeHint}
+          </Text>
+        </View>
+      ) : null}
+      <Button title="Verify & Continue" onPress={onConfirm} loading={loading} />
+    </AppModal>
+  );
+};
+
+const styles = StyleSheet.create({
+  hintCard: {
+    borderRadius: 14,
+    padding: 12,
+    gap: 4,
+  },
+  hintLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  hintValue: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+});

src/modules/insurance/components/InsurancePaymentMethodTile.tsx

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+import React, { memo } from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { useTheme } from '../../../theme';
+import type { InsurancePaymentMethod } from '../types';
+
+interface InsurancePaymentMethodTileProps {
+  method: InsurancePaymentMethod;
+  selected: boolean;
+  onPress: () => void;
+}
+
+const METHOD_META: Record<
+  InsurancePaymentMethod,
+  { icon: string; label: string; description: string }
+> = {
+  UPI: {
+    icon: 'phone-portrait-outline',
+    label: 'UPI',
+    description: 'Google Pay, PhonePe, BHIM, and other UPI apps',
+  },
+  'Net Banking': {
+    icon: 'globe-outline',
+    label: 'Net Banking',
+    description: 'Pay directly from your linked bank account',
+  },
+  Card: {
+    icon: 'card-outline',
+    label: 'Card',
+    description: 'Credit and debit cards with 3DS verification',
+  },
+};
+
+const InsurancePaymentMethodTileComponent = ({
+  method,
+  selected,
+  onPress,
+}: InsurancePaymentMethodTileProps) => {
+  const theme = useTheme();
+  const meta = METHOD_META[method];
+
+  return (
+    <Pressable onPress={onPress}>
+      <View
+        style={[
+          styles.tile,
+          {
+            borderColor: selected ? theme.colors.primary : theme.colors.cardBorder,
+            borderWidth: selected ? 2 : 1,
+            backgroundColor: selected ? `${theme.colors.primary}08` : theme.colors.surface,
+          },
+        ]}
+      >
+        <View
+          style={[
+            styles.iconWrap,
+            {
+              backgroundColor: selected ? `${theme.colors.primary}14` : theme.colors.surfaceMuted,
+            },
+          ]}
+        >
+          <Ionicons
+            name={meta.icon as any}
+            size={20}
+            color={selected ? theme.colors.primary : theme.colors.textSecondary}
+          />
+        </View>
+        <View style={styles.copy}>
+          <Text style={[styles.label, { color: theme.colors.textPrimary }]}>{meta.label}</Text>
+          <Text style={[styles.description, { color: theme.colors.textMuted }]}>
+            {meta.description}
+          </Text>
+        </View>
+        <Ionicons
+          name={selected ? 'radio-button-on' : 'radio-button-off'}
+          size={20}
+          color={selected ? theme.colors.primary : theme.colors.textMuted}
+        />
+      </View>
+    </Pressable>
+  );
+};
+
+const styles = StyleSheet.create({
+  tile: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 12,
+    borderRadius: 16,
+    padding: 14,
+  },
+  iconWrap: {
+    width: 42,
+    height: 42,
+    borderRadius: 12,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  copy: {
+    flex: 1,
+    gap: 2,
+  },
+  label: {
+    fontSize: 14,
+    fontWeight: '800',
+  },
+  description: {
+    fontSize: 12,
+    lineHeight: 17,
+  },
+});
+
+export const InsurancePaymentMethodTile = memo(InsurancePaymentMethodTileComponent);

src/modules/insurance/components/InsurancePlanCard.tsx

@@ -0,0 +1,230 @@
+import React, { memo } from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { Button, Card } from '../../../components';
+import { useTheme } from '../../../theme';
+import type { InsurancePlan } from '../types';
+import { formatCompactCurrency, formatCurrency } from '../../../utils/formatters';
+
+interface InsurancePlanCardProps {
+  plan: InsurancePlan;
+  selected?: boolean;
+  compared?: boolean;
+  onSelect?: () => void;
+  onCompare?: () => void;
+}
+
+const InsurancePlanCardComponent = ({
+  plan,
+  selected = false,
+  compared = false,
+  onSelect,
+  onCompare,
+}: InsurancePlanCardProps) => {
+  const theme = useTheme();
+
+  return (
+    <Card
+      style={[
+        styles.card,
+        {
+          borderColor: selected ? theme.colors.primary : theme.colors.cardBorder,
+          borderWidth: selected ? 2 : 1,
+        },
+      ]}
+    >
+      <View style={styles.header}>
+        <View style={styles.copy}>
+          <Text style={[styles.title, { color: theme.colors.textPrimary }]}>{plan.name}</Text>
+          <Text style={[styles.subtitle, { color: theme.colors.textSecondary }]}>
+            {plan.insurerName}
+          </Text>
+        </View>
+        <View
+          style={[styles.ratioBadge, { backgroundColor: `${theme.colors.accent}14` }]}
+        >
+          <Text style={[styles.ratioValue, { color: theme.colors.accent }]}>
+            {plan.claimSettlementRatio}%
+          </Text>
+          <Text style={[styles.ratioLabel, { color: theme.colors.textSecondary }]}>
+            CSR
+          </Text>
+        </View>
+      </View>
+
+      <Text style={[styles.summary, { color: theme.colors.textMuted }]}>{plan.summary}</Text>
+
+      <View style={styles.metrics}>
+        <View style={[styles.metricCard, { backgroundColor: theme.colors.surfaceMuted }]}>
+          <Text style={[styles.metricLabel, { color: theme.colors.textSecondary }]}>
+            Premium
+          </Text>
+          <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+            {formatCurrency(plan.premium)}
+          </Text>
+          <Text style={[styles.metricCaption, { color: theme.colors.textMuted }]}>
+            {plan.premiumFrequency}
+          </Text>
+        </View>
+        <View style={[styles.metricCard, { backgroundColor: theme.colors.surfaceMuted }]}>
+          <Text style={[styles.metricLabel, { color: theme.colors.textSecondary }]}>
+            Coverage
+          </Text>
+          <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+            {formatCompactCurrency(plan.coverAmount)}
+          </Text>
+          <Text style={[styles.metricCaption, { color: theme.colors.textMuted }]}>
+            {plan.tenureYears} year tenure
+          </Text>
+        </View>
+      </View>
+
+      <View style={styles.listWrap}>
+        {plan.benefits.slice(0, 3).map((benefit) => (
+          <View key={benefit} style={styles.listRow}>
+            <Ionicons name="checkmark-circle" size={16} color={theme.colors.accent} />
+            <Text style={[styles.listText, { color: theme.colors.textPrimary }]}>{benefit}</Text>
+          </View>
+        ))}
+      </View>
+
+      <View style={styles.actionRow}>
+        <Pressable
+          onPress={onCompare}
+          style={({ pressed }) => [
+            styles.compareButton,
+            {
+              backgroundColor: compared ? `${theme.colors.info}12` : theme.colors.surfaceMuted,
+              opacity: pressed ? 0.9 : 1,
+            },
+          ]}
+        >
+          <Ionicons
+            name={compared ? 'checkbox' : 'square-outline'}
+            size={18}
+            color={compared ? theme.colors.info : theme.colors.textMuted}
+          />
+          <Text
+            style={[
+              styles.compareLabel,
+              { color: compared ? theme.colors.info : theme.colors.textSecondary },
+            ]}
+          >
+            Compare
+          </Text>
+        </Pressable>
+        <Button
+          title={selected ? 'Selected' : 'Select Plan'}
+          onPress={onSelect}
+          variant={selected ? 'secondary' : 'primary'}
+          fullWidth={false}
+          style={styles.selectButton}
+        />
+      </View>
+    </Card>
+  );
+};
+
+const styles = StyleSheet.create({
+  card: {
+    gap: 14,
+  },
+  header: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  copy: {
+    flex: 1,
+    gap: 2,
+  },
+  title: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  subtitle: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  ratioBadge: {
+    minWidth: 68,
+    borderRadius: 14,
+    paddingHorizontal: 10,
+    paddingVertical: 8,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  ratioValue: {
+    fontSize: 16,
+    fontWeight: '900',
+  },
+  ratioLabel: {
+    fontSize: 10,
+    fontWeight: '800',
+    letterSpacing: 0.5,
+  },
+  summary: {
+    fontSize: 13,
+    lineHeight: 18,
+  },
+  metrics: {
+    flexDirection: 'row',
+    gap: 10,
+  },
+  metricCard: {
+    flex: 1,
+    borderRadius: 14,
+    padding: 12,
+    gap: 4,
+  },
+  metricLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  metricValue: {
+    fontSize: 18,
+    fontWeight: '900',
+  },
+  metricCaption: {
+    fontSize: 11,
+    fontWeight: '600',
+  },
+  listWrap: {
+    gap: 8,
+  },
+  listRow: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 8,
+  },
+  listText: {
+    flex: 1,
+    fontSize: 12,
+    fontWeight: '600',
+    lineHeight: 17,
+  },
+  actionRow: {
+    flexDirection: 'row',
+    gap: 10,
+    alignItems: 'center',
+  },
+  compareButton: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 8,
+    borderRadius: 12,
+    paddingHorizontal: 12,
+    paddingVertical: 12,
+  },
+  compareLabel: {
+    fontSize: 12,
+    fontWeight: '700',
+  },
+  selectButton: {
+    flex: 1,
+  },
+});
+
+export const InsurancePlanCard = memo(InsurancePlanCardComponent);

src/modules/insurance/components/InsurancePolicyCard.tsx

@@ -0,0 +1,123 @@
+import React, { memo } from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { Card } from '../../../components';
+import { useTheme } from '../../../theme';
+import { formatCompactCurrency, formatCurrency, formatDate } from '../../../utils/formatters';
+import type { InsurancePolicy } from '../types';
+import { InsuranceStatusPill } from './InsuranceStatusPill';
+
+interface InsurancePolicyCardProps {
+  policy: InsurancePolicy;
+  onPress?: () => void;
+}
+
+const InsurancePolicyCardComponent = ({ policy, onPress }: InsurancePolicyCardProps) => {
+  const theme = useTheme();
+
+  return (
+    <Pressable onPress={onPress}>
+      <Card style={styles.card}>
+        <View style={styles.header}>
+          <View style={styles.copy}>
+            <Text style={[styles.title, { color: theme.colors.textPrimary }]}>
+              {policy.planName}
+            </Text>
+            <Text style={[styles.meta, { color: theme.colors.textSecondary }]}>
+              {policy.policyNumber} · {policy.category}
+            </Text>
+          </View>
+          <InsuranceStatusPill status={policy.status} />
+        </View>
+
+        <View style={styles.metrics}>
+          <View style={styles.metric}>
+            <Text style={[styles.metricLabel, { color: theme.colors.textMuted }]}>Coverage</Text>
+            <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+              {formatCompactCurrency(policy.coverageAmount)}
+            </Text>
+          </View>
+          <View style={styles.metric}>
+            <Text style={[styles.metricLabel, { color: theme.colors.textMuted }]}>Premium</Text>
+            <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+              {formatCurrency(policy.premiumAmount)}
+            </Text>
+          </View>
+        </View>
+
+        <View style={styles.footer}>
+          <View style={styles.footerItem}>
+            <Ionicons name="time-outline" size={16} color={theme.colors.primary} />
+            <Text style={[styles.footerText, { color: theme.colors.textSecondary }]}>
+              Due {formatDate(policy.nextPremiumDueDate)}
+            </Text>
+          </View>
+          <View style={styles.footerItem}>
+            <Ionicons name="document-text-outline" size={16} color={theme.colors.primary} />
+            <Text style={[styles.footerText, { color: theme.colors.textSecondary }]}>
+              {policy.documents.length} document{policy.documents.length === 1 ? '' : 's'}
+            </Text>
+          </View>
+        </View>
+      </Card>
+    </Pressable>
+  );
+};
+
+const styles = StyleSheet.create({
+  card: {
+    gap: 14,
+  },
+  header: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    gap: 12,
+  },
+  copy: {
+    flex: 1,
+    gap: 2,
+  },
+  title: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  meta: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  metrics: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  metric: {
+    flex: 1,
+  },
+  metricLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  metricValue: {
+    fontSize: 18,
+    fontWeight: '900',
+    marginTop: 4,
+  },
+  footer: {
+    flexDirection: 'row',
+    flexWrap: 'wrap',
+    gap: 14,
+  },
+  footerItem: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 6,
+  },
+  footerText: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+});
+
+export const InsurancePolicyCard = memo(InsurancePolicyCardComponent);

src/modules/insurance/components/InsuranceRangeSlider.tsx

@@ -0,0 +1,146 @@
+import React, { useMemo, useRef, useState } from 'react';
+import {
+  PanResponder,
+  StyleSheet,
+  Text,
+  View,
+  type LayoutChangeEvent,
+} from 'react-native';
+
+import { useTheme } from '../../../theme';
+
+interface InsuranceRangeSliderProps {
+  label: string;
+  min: number;
+  max: number;
+  step: number;
+  value: number;
+  suffix?: string;
+  formatter?: (value: number) => string;
+  onValueChange: (value: number) => void;
+}
+
+export const InsuranceRangeSlider = ({
+  label,
+  min,
+  max,
+  step,
+  value,
+  suffix,
+  formatter,
+  onValueChange,
+}: InsuranceRangeSliderProps) => {
+  const theme = useTheme();
+  const [trackWidth, setTrackWidth] = useState(0);
+  const latestWidth = useRef(0);
+
+  const percentage = useMemo(() => {
+    if (max === min) {
+      return 0;
+    }
+
+    return (value - min) / (max - min);
+  }, [max, min, value]);
+
+  const updateFromPosition = (positionX: number) => {
+    if (!latestWidth.current) {
+      return;
+    }
+
+    const clamped = Math.max(0, Math.min(positionX, latestWidth.current));
+    const rawValue = min + (clamped / latestWidth.current) * (max - min);
+    const steppedValue = Math.round(rawValue / step) * step;
+    const nextValue = Math.max(min, Math.min(steppedValue, max));
+    onValueChange(nextValue);
+  };
+
+  const panResponder = useMemo(
+    () =>
+      PanResponder.create({
+        onStartShouldSetPanResponder: () => true,
+        onMoveShouldSetPanResponder: () => true,
+        onPanResponderGrant: (event) => updateFromPosition(event.nativeEvent.locationX),
+        onPanResponderMove: (event) => updateFromPosition(event.nativeEvent.locationX),
+      }),
+    [max, min, step],
+  );
+
+  const handleLayout = (event: LayoutChangeEvent) => {
+    latestWidth.current = event.nativeEvent.layout.width;
+    setTrackWidth(event.nativeEvent.layout.width);
+  };
+
+  return (
+    <View style={styles.container}>
+      <View style={styles.header}>
+        <Text style={[styles.label, { color: theme.colors.textSecondary }]}>{label}</Text>
+        <Text style={[styles.value, { color: theme.colors.textPrimary }]}>
+          {formatter ? formatter(value) : `${value}${suffix ?? ''}`}
+        </Text>
+      </View>
+      <View
+        style={[styles.track, { backgroundColor: theme.colors.surfaceMuted }]}
+        onLayout={handleLayout}
+        {...panResponder.panHandlers}
+      >
+        <View
+          style={[
+            styles.progress,
+            {
+              backgroundColor: theme.colors.primary,
+              width: trackWidth * percentage,
+            },
+          ]}
+        />
+        <View
+          style={[
+            styles.thumb,
+            {
+              backgroundColor: theme.colors.white,
+              borderColor: theme.colors.primary,
+              left: Math.max(trackWidth * percentage - 10, 0),
+            },
+          ]}
+        />
+      </View>
+    </View>
+  );
+};
+
+const styles = StyleSheet.create({
+  container: {
+    gap: 10,
+  },
+  header: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    gap: 10,
+  },
+  label: {
+    fontSize: 12,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  value: {
+    fontSize: 14,
+    fontWeight: '800',
+  },
+  track: {
+    height: 8,
+    borderRadius: 999,
+    justifyContent: 'center',
+  },
+  progress: {
+    height: 8,
+    borderRadius: 999,
+  },
+  thumb: {
+    position: 'absolute',
+    width: 20,
+    height: 20,
+    borderRadius: 10,
+    borderWidth: 3,
+    top: -6,
+  },
+});

src/modules/insurance/components/InsuranceStatusPill.tsx

@@ -0,0 +1,51 @@
+import React, { memo } from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+
+import { useTheme } from '../../../theme';
+
+interface InsuranceStatusPillProps {
+  status: string;
+}
+
+const STATUS_COLORS: Record<string, string> = {
+  Active: '#10B981',
+  'Renewal Due': '#F59E0B',
+  Expired: '#EF4444',
+  'Grace Period': '#F97316',
+  Submitted: '#3B82F6',
+  'Under Review': '#6366F1',
+  Approved: '#10B981',
+  Rejected: '#EF4444',
+  Settled: '#059669',
+  uploaded: '#3B82F6',
+  verified: '#10B981',
+  rejected: '#EF4444',
+};
+
+const InsuranceStatusPillComponent = ({ status }: InsuranceStatusPillProps) => {
+  const theme = useTheme();
+  const color = STATUS_COLORS[status] ?? theme.colors.primary;
+
+  return (
+    <View style={[styles.pill, { backgroundColor: `${color}16` }]}>
+      <Text style={[styles.label, { color }]}>{status}</Text>
+    </View>
+  );
+};
+
+const styles = StyleSheet.create({
+  pill: {
+    borderRadius: 999,
+    paddingHorizontal: 10,
+    paddingVertical: 6,
+    alignSelf: 'flex-start',
+  },
+  label: {
+    fontSize: 11,
+    fontWeight: '800',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+});
+
+export const InsuranceStatusPill = memo(InsuranceStatusPillComponent);

src/modules/insurance/hooks/useInsuranceDashboard.ts

@@ -0,0 +1,21 @@
+import { useCallback, useState } from 'react';
+
+import { useGetInsuranceDashboardQuery } from '../services/insuranceApi';
+
+export const useInsuranceDashboard = () => {
+  const query = useGetInsuranceDashboardQuery();
+  const [refreshing, setRefreshing] = useState(false);
+
+  const onRefresh = useCallback(async () => {
+    setRefreshing(true);
+    await query.refetch();
+    setRefreshing(false);
+  }, [query]);
+
+  return {
+    ...query,
+    dashboard: query.data,
+    refreshing,
+    onRefresh,
+  };
+};

src/modules/insurance/hooks/useInsurancePlans.ts

@@ -0,0 +1,5 @@
+import type { InsuranceCategory } from '../types';
+import { useGetInsurancePlansQuery } from '../services/insuranceApi';
+
+export const useInsurancePlans = (category?: InsuranceCategory) =>
+  useGetInsurancePlansQuery(category ? { category } : undefined);

src/modules/insurance/screens/BuyInsuranceScreen.tsx

@@ -0,0 +1,622 @@
+import React, { useEffect, useMemo, useState } from 'react';
+import { ScrollView, StyleSheet, Text, View } from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+
+import { useAppDispatch, useAppSelector } from '../../../app/hooks';
+import { Button, Card, Input, ScreenShell } from '../../../components';
+import { ToggleSwitch } from '../../cards/components/ToggleSwitch';
+import { useToast } from '../../../hooks/useToast';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatCompactCurrency, formatCurrency } from '../../../utils/formatters';
+import { InsuranceCategoryChip } from '../components/InsuranceCategoryChip';
+import { InsuranceOtpModal } from '../components/InsuranceOtpModal';
+import { InsurancePaymentMethodTile } from '../components/InsurancePaymentMethodTile';
+import { InsurancePlanCard } from '../components/InsurancePlanCard';
+import { useInsurancePlans } from '../hooks/useInsurancePlans';
+import {
+  usePurchaseInsurancePolicyMutation,
+  useRequestInsuranceOtpMutation,
+} from '../services/insuranceApi';
+import {
+  selectInsuranceComparedPlanIds,
+  selectInsuranceDraft,
+  selectInsurancePurchaseStep,
+} from '../store/insuranceSelectors';
+import { insuranceActions } from '../store/insuranceSlice';
+import { INSURANCE_CATEGORIES, INSURANCE_CATEGORY_META } from '../types';
+import { validateInsuranceOtp, validateInsurancePurchaseDraft } from '../utils/insuranceValidation';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'BuyInsurance'>;
+
+const STEP_LABELS = [
+  { id: 'details', label: 'Details' },
+  { id: 'plans', label: 'Plans' },
+  { id: 'payment', label: 'Payment' },
+] as const;
+
+export default function BuyInsuranceScreen({ navigation, route }: Props) {
+  const dispatch = useAppDispatch();
+  const theme = useTheme();
+  const toast = useToast();
+  const draft = useAppSelector(selectInsuranceDraft);
+  const comparedPlanIds = useAppSelector(selectInsuranceComparedPlanIds);
+  const purchaseStep = useAppSelector(selectInsurancePurchaseStep);
+  const { data: plans = [], isLoading } = useInsurancePlans(draft.category);
+  const [requestOtp, requestOtpState] = useRequestInsuranceOtpMutation();
+  const [purchasePolicy, purchasePolicyState] = usePurchaseInsurancePolicyMutation();
+  const [errors, setErrors] = useState<Record<string, string>>({});
+  const [otp, setOtp] = useState('');
+  const [otpVisible, setOtpVisible] = useState(false);
+  const [otpError, setOtpError] = useState<string | undefined>();
+  const [mockCodeHint, setMockCodeHint] = useState<string | undefined>();
+
+  useEffect(() => {
+    if (route.params?.category) {
+      dispatch(insuranceActions.setInsuranceCategory(route.params.category));
+    }
+  }, [dispatch, route.params?.category]);
+
+  const selectedPlan = useMemo(
+    () => plans.find((plan) => plan.id === draft.selectedPlanId) ?? null,
+    [draft.selectedPlanId, plans],
+  );
+
+  const handleContinueFromDetails = () => {
+    const validationErrors = validateInsurancePurchaseDraft(draft, draft.category);
+    setErrors(validationErrors);
+
+    if (Object.keys(validationErrors).length) {
+      return;
+    }
+
+    dispatch(insuranceActions.setInsurancePurchaseStep('plans'));
+  };
+
+  const handleContinueFromPlans = () => {
+    if (!draft.selectedPlanId) {
+      setErrors({ selectedPlanId: 'Select a plan to continue.' });
+      return;
+    }
+
+    setErrors({});
+    dispatch(insuranceActions.setInsurancePurchaseStep('payment'));
+  };
+
+  const handleRequestOtp = async () => {
+    const error = !draft.selectedPlanId ? 'Select a plan to continue.' : undefined;
+
+    if (error) {
+      setErrors({ selectedPlanId: error });
+      return;
+    }
+
+    const result = await requestOtp({ action: 'purchase' });
+
+    if ('data' in result && result.data) {
+      setMockCodeHint(result.data.mockCodeHint);
+      setOtpVisible(true);
+      setOtpError(undefined);
+      return;
+    }
+
+    toast('Unable to send OTP', 'error', 'Please try again.');
+  };
+
+  const handleConfirmPurchase = async () => {
+    const error = validateInsuranceOtp(otp);
+
+    if (error) {
+      setOtpError(error);
+      return;
+    }
+
+    const result = await purchasePolicy({ draft, otp });
+
+    if ('data' in result && result.data) {
+      setOtpVisible(false);
+      setOtp('');
+      setOtpError(undefined);
+      toast(
+        'Policy issued',
+        'success',
+        `${result.data.policy.planName} is now active under ${result.data.policy.policyNumber}.`,
+      );
+      dispatch(insuranceActions.resetInsuranceDraft());
+      navigation.replace('InsurancePolicyDetails', { policyId: result.data.policy.id });
+      return;
+    }
+
+    setOtpError('Verification failed. Please try again.');
+  };
+
+  const renderStepPills = () => (
+    <View style={styles.stepRow}>
+      {STEP_LABELS.map((step) => {
+        const isActive = purchaseStep === step.id;
+
+        return (
+          <View
+            key={step.id}
+            style={[
+              styles.stepPill,
+              {
+                backgroundColor: isActive ? `${theme.colors.primary}12` : theme.colors.surfaceMuted,
+              },
+            ]}
+          >
+            <Text
+              style={[
+                styles.stepLabel,
+                { color: isActive ? theme.colors.primary : theme.colors.textSecondary },
+              ]}
+            >
+              {step.label}
+            </Text>
+          </View>
+        );
+      })}
+    </View>
+  );
+
+  return (
+    <ScreenShell title="Buy Insurance" subtitle="Dynamic policy purchase flow with secure confirmation" scrollable={false}>
+        <ScrollView contentContainerStyle={styles.scroll} showsVerticalScrollIndicator={false} keyboardShouldPersistTaps="handled">
+        {renderStepPills()}
+
+        <Card style={styles.sectionCard}>
+          <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+            Choose category
+          </Text>
+          <View style={styles.categoryWrap}>
+            {INSURANCE_CATEGORIES.map((category) => (
+              <InsuranceCategoryChip
+                key={category}
+                category={category}
+                selected={draft.category === category}
+                onPress={() => {
+                  dispatch(insuranceActions.setInsuranceCategory(category));
+                  setErrors({});
+                }}
+              />
+            ))}
+          </View>
+          <Text style={[styles.categoryCopy, { color: theme.colors.textSecondary }]}>
+            {INSURANCE_CATEGORY_META[draft.category].description}
+          </Text>
+        </Card>
+
+        {purchaseStep === 'details' ? (
+          <>
+            <Card style={styles.sectionCard}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                Personal details
+              </Text>
+              <Input
+                label="Full Name"
+                value={draft.personal.fullName}
+                onChangeText={(value) =>
+                  dispatch(
+                    insuranceActions.updateInsurancePersonal({ field: 'fullName', value }),
+                  )
+                }
+                error={errors.personalFullName}
+              />
+              <View style={styles.inputRow}>
+                <View style={styles.inputCol}>
+                  <Input
+                    label="Age"
+                    keyboardType="number-pad"
+                    value={draft.personal.age}
+                    onChangeText={(value) =>
+                      dispatch(
+                        insuranceActions.updateInsurancePersonal({ field: 'age', value }),
+                      )
+                    }
+                    error={errors.personalAge}
+                  />
+                </View>
+                <View style={styles.inputCol}>
+                  <Input
+                    label="Gender"
+                    value={draft.personal.gender}
+                    onChangeText={(value) =>
+                      dispatch(
+                        insuranceActions.updateInsurancePersonal({ field: 'gender', value }),
+                      )
+                    }
+                    error={errors.personalGender}
+                  />
+                </View>
+              </View>
+              <Input
+                label="Email"
+                keyboardType="email-address"
+                value={draft.personal.email}
+                onChangeText={(value) =>
+                  dispatch(
+                    insuranceActions.updateInsurancePersonal({ field: 'email', value }),
+                  )
+                }
+                error={errors.personalEmail}
+              />
+              <Input
+                label="Mobile Number"
+                keyboardType="number-pad"
+                value={draft.personal.phone}
+                onChangeText={(value) =>
+                  dispatch(
+                    insuranceActions.updateInsurancePersonal({ field: 'phone', value }),
+                  )
+                }
+                error={errors.personalPhone}
+              />
+            </Card>
+
+            <Card style={styles.sectionCard}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                Nominee and address
+              </Text>
+              <Input
+                label="Nominee Name"
+                value={draft.nominee.name}
+                onChangeText={(value) =>
+                  dispatch(
+                    insuranceActions.updateInsuranceNominee({ field: 'name', value }),
+                  )
+                }
+                error={errors.nomineeName}
+              />
+              <View style={styles.inputRow}>
+                <View style={styles.inputCol}>
+                  <Input
+                    label="Relationship"
+                    value={draft.nominee.relationship}
+                    onChangeText={(value) =>
+                      dispatch(
+                        insuranceActions.updateInsuranceNominee({
+                          field: 'relationship',
+                          value,
+                        }),
+                      )
+                    }
+                    error={errors.nomineeRelationship}
+                  />
+                </View>
+                <View style={styles.inputCol}>
+                  <Input
+                    label="Nominee Age"
+                    keyboardType="number-pad"
+                    value={draft.nominee.age}
+                    onChangeText={(value) =>
+                      dispatch(
+                        insuranceActions.updateInsuranceNominee({ field: 'age', value }),
+                      )
+                    }
+                    error={errors.nomineeAge}
+                  />
+                </View>
+              </View>
+              <Input
+                label="Address"
+                value={draft.address.line1}
+                onChangeText={(value) =>
+                  dispatch(
+                    insuranceActions.updateInsuranceAddress({ field: 'line1', value }),
+                  )
+                }
+                error={errors.addressLine1}
+              />
+              <View style={styles.inputRow}>
+                <View style={styles.inputCol}>
+                  <Input
+                    label="City"
+                    value={draft.address.city}
+                    onChangeText={(value) =>
+                      dispatch(
+                        insuranceActions.updateInsuranceAddress({ field: 'city', value }),
+                      )
+                    }
+                    error={errors.addressCity}
+                  />
+                </View>
+                <View style={styles.inputCol}>
+                  <Input
+                    label="State"
+                    value={draft.address.state}
+                    onChangeText={(value) =>
+                      dispatch(
+                        insuranceActions.updateInsuranceAddress({ field: 'state', value }),
+                      )
+                    }
+                    error={errors.addressState}
+                  />
+                </View>
+              </View>
+              <Input
+                label="PIN Code"
+                keyboardType="number-pad"
+                value={draft.address.postalCode}
+                onChangeText={(value) =>
+                  dispatch(
+                    insuranceActions.updateInsuranceAddress({
+                      field: 'postalCode',
+                      value,
+                    }),
+                  )
+                }
+                error={errors.addressPostalCode}
+              />
+            </Card>
+
+            <Card style={styles.sectionCard}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                KYC and policy-specific details
+              </Text>
+              <Input
+                label="Aadhaar Number"
+                keyboardType="number-pad"
+                value={draft.kyc.aadhaarNumber}
+                onChangeText={(value) =>
+                  dispatch(insuranceActions.updateInsuranceKyc({ field: 'aadhaarNumber', value }))
+                }
+                error={errors.kycAadhaar}
+              />
+              <Input
+                label="PAN Number"
+                value={draft.kyc.panNumber}
+                onChangeText={(value) =>
+                  dispatch(insuranceActions.updateInsuranceKyc({ field: 'panNumber', value }))
+                }
+                error={errors.kycPan}
+              />
+              {INSURANCE_CATEGORY_META[draft.category].specificFields.map((field) => (
+                <Input
+                  key={field.key}
+                  label={field.label}
+                  value={draft.specificDetails[field.key] ?? ''}
+                  onChangeText={(value) =>
+                    dispatch(
+                      insuranceActions.updateInsuranceSpecificDetail({
+                        key: field.key,
+                        value,
+                      }),
+                    )
+                  }
+                  keyboardType={field.keyboardType}
+                  placeholder={field.placeholder}
+                  multiline={field.multiline}
+                  error={errors[`specific_${field.key}`]}
+                />
+              ))}
+            </Card>
+
+            <Button title="Continue to Plans" onPress={handleContinueFromDetails} />
+          </>
+        ) : null}
+
+        {purchaseStep === 'plans' ? (
+          <>
+            <Card style={styles.sectionCard}>
+              <View style={styles.sectionHeader}>
+                <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                  Available plans
+                </Text>
+                {comparedPlanIds.length >= 2 ? (
+                  <Button
+                    title="Compare"
+                    variant="secondary"
+                    fullWidth={false}
+                    onPress={() =>
+                      navigation.navigate('InsuranceComparison', {
+                        planIds: comparedPlanIds,
+                        category: draft.category,
+                      })
+                    }
+                  />
+                ) : null}
+              </View>
+              {isLoading ? (
+                <Text style={[styles.helperText, { color: theme.colors.textSecondary }]}>
+                  Loading plans...
+                </Text>
+              ) : (
+                plans.map((plan) => (
+                  <InsurancePlanCard
+                    key={plan.id}
+                    plan={plan}
+                    selected={draft.selectedPlanId === plan.id}
+                    compared={comparedPlanIds.includes(plan.id)}
+                    onSelect={() => dispatch(insuranceActions.setInsuranceSelectedPlan(plan.id))}
+                    onCompare={() =>
+                      dispatch(insuranceActions.toggleInsuranceComparedPlan(plan.id))
+                    }
+                  />
+                ))
+              )}
+              {errors.selectedPlanId ? (
+                <Text style={[styles.errorText, { color: theme.colors.error }]}>
+                  {errors.selectedPlanId}
+                </Text>
+              ) : null}
+            </Card>
+            <View style={styles.actionStack}>
+              <Button
+                title="Back to Details"
+                variant="secondary"
+                onPress={() => dispatch(insuranceActions.setInsurancePurchaseStep('details'))}
+              />
+              <Button title="Continue to Payment" onPress={handleContinueFromPlans} />
+            </View>
+          </>
+        ) : null}
+
+        {purchaseStep === 'payment' ? (
+          <>
+            <Card style={styles.sectionCard}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                Selected plan
+              </Text>
+              {selectedPlan ? (
+                <>
+                  <View
+                    style={[styles.summaryCard, { backgroundColor: theme.colors.surfaceMuted }]}
+                  >
+                    <Text style={[styles.summaryTitle, { color: theme.colors.textPrimary }]}>
+                      {selectedPlan.name}
+                    </Text>
+                    <Text style={[styles.summaryCopy, { color: theme.colors.textSecondary }]}>
+                      {selectedPlan.insurerName}
+                    </Text>
+                    <Text style={[styles.summaryAmount, { color: theme.colors.textPrimary }]}>
+                      {formatCurrency(selectedPlan.premium)} · Coverage{' '}
+                      {formatCompactCurrency(selectedPlan.coverAmount)}
+                    </Text>
+                  </View>
+
+                  <InsurancePaymentMethodTile
+                    method="UPI"
+                    selected={draft.paymentMethod === 'UPI'}
+                    onPress={() => dispatch(insuranceActions.setInsurancePaymentMethod('UPI'))}
+                  />
+                  <InsurancePaymentMethodTile
+                    method="Net Banking"
+                    selected={draft.paymentMethod === 'Net Banking'}
+                    onPress={() =>
+                      dispatch(insuranceActions.setInsurancePaymentMethod('Net Banking'))
+                    }
+                  />
+                  <InsurancePaymentMethodTile
+                    method="Card"
+                    selected={draft.paymentMethod === 'Card'}
+                    onPress={() => dispatch(insuranceActions.setInsurancePaymentMethod('Card'))}
+                  />
+
+                  <ToggleSwitch
+                    label="Enable auto-renew"
+                    description="Keep this policy active by auto-paying the premium on the due date."
+                    value={draft.autoRenewEnabled}
+                    onValueChange={(value) => dispatch(insuranceActions.setInsuranceAutoRenew(value))}
+                  />
+                </>
+              ) : (
+                <Text style={[styles.helperText, { color: theme.colors.textSecondary }]}>
+                  No plan selected.
+                </Text>
+              )}
+            </Card>
+            <View style={styles.actionStack}>
+              <Button
+                title="Back to Plans"
+                variant="secondary"
+                onPress={() => dispatch(insuranceActions.setInsurancePurchaseStep('plans'))}
+              />
+              <Button
+                title="Request OTP & Buy"
+                onPress={() => void handleRequestOtp()}
+                loading={requestOtpState.isLoading}
+              />
+            </View>
+          </>
+        ) : null}
+        </ScrollView>
+
+      <InsuranceOtpModal
+        visible={otpVisible}
+        title="Verify Policy Purchase"
+        description="Enter the OTP sent to your registered mobile number to authorize this insurance purchase."
+        otp={otp}
+        onOtpChange={setOtp}
+        onClose={() => setOtpVisible(false)}
+        onConfirm={() => void handleConfirmPurchase()}
+        loading={purchasePolicyState.isLoading}
+        error={otpError}
+        mockCodeHint={mockCodeHint}
+      />
+      <View style={{ height: 20 }} />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  keyboardAvoid: {
+    flex: 1,
+  },
+  scroll: {
+    gap: 16,
+    paddingBottom: 28,
+  },
+  stepRow: {
+    flexDirection: 'row',
+    gap: 10,
+  },
+  stepPill: {
+    flex: 1,
+    borderRadius: 999,
+    alignItems: 'center',
+    paddingVertical: 10,
+  },
+  stepLabel: {
+    fontSize: 11,
+    fontWeight: '800',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  sectionCard: {
+    gap: 12,
+  },
+  sectionTitle: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  categoryWrap: {
+    flexDirection: 'row',
+    flexWrap: 'wrap',
+    gap: 10,
+  },
+  categoryCopy: {
+    fontSize: 12,
+    lineHeight: 18,
+  },
+  inputRow: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  inputCol: {
+    flex: 1,
+  },
+  helperText: {
+    fontSize: 12,
+    lineHeight: 18,
+  },
+  errorText: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  actionStack: {
+    gap: 10,
+  },
+  summaryCard: {
+    borderRadius: 14,
+    padding: 14,
+    gap: 4,
+  },
+  summaryTitle: {
+    fontSize: 15,
+    fontWeight: '800',
+  },
+  summaryCopy: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  summaryAmount: {
+    fontSize: 13,
+    fontWeight: '700',
+  },
+  sectionHeader: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    alignItems: 'center',
+    gap: 12,
+  },
+});

src/modules/insurance/screens/InsuranceCalculatorScreen.tsx

@@ -0,0 +1,248 @@
+import React, { useEffect, useMemo } from 'react';
+import { ScrollView, StyleSheet, Text, View } from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+
+import { useAppDispatch, useAppSelector } from '../../../app/hooks';
+import { Button, Card, Input, ScreenShell } from '../../../components';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatCompactCurrency, formatCurrency } from '../../../utils/formatters';
+import { InsuranceCategoryChip } from '../components/InsuranceCategoryChip';
+import { InsuranceRangeSlider } from '../components/InsuranceRangeSlider';
+import { useEstimateInsurancePremiumQuery } from '../services/insuranceApi';
+import { insuranceActions } from '../store/insuranceSlice';
+import { selectInsuranceCalculator } from '../store/insuranceSelectors';
+import { INSURANCE_CATEGORIES } from '../types';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsuranceCalculator'>;
+
+export default function InsuranceCalculatorScreen({ navigation, route }: Props) {
+  const dispatch = useAppDispatch();
+  const theme = useTheme();
+  const calculator = useAppSelector(selectInsuranceCalculator);
+  const effectiveCategory = calculator.category;
+
+  useEffect(() => {
+    if (route.params?.category) {
+      dispatch(
+        insuranceActions.updateInsuranceCalculator({
+          field: 'category',
+          value: route.params.category,
+        }),
+      );
+    }
+  }, [dispatch, route.params?.category]);
+  const estimateQuery = useEstimateInsurancePremiumQuery({
+    ...calculator,
+    category: effectiveCategory,
+  });
+
+  const estimate = estimateQuery.data;
+  const coverageValue = useMemo(
+    () => Number(calculator.coverageAmount || 0),
+    [calculator.coverageAmount],
+  );
+
+  return (
+    <ScreenShell title="Calculator" subtitle="Estimate premiums by age, cover, and tenure">
+      <ScrollView contentContainerStyle={styles.scroll} showsVerticalScrollIndicator={false} keyboardShouldPersistTaps="handled">
+        <Card style={styles.sectionCard}>
+          <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+            Policy category
+          </Text>
+          <View style={styles.categoryWrap}>
+            {INSURANCE_CATEGORIES.map((category) => (
+              <InsuranceCategoryChip
+                key={category}
+                category={category}
+                selected={effectiveCategory === category}
+                onPress={() =>
+                  dispatch(
+                    insuranceActions.updateInsuranceCalculator({
+                      field: 'category',
+                      value: category,
+                    }),
+                  )
+                }
+              />
+            ))}
+          </View>
+        </Card>
+
+        <Card style={styles.sectionCard}>
+          <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+            Adjust your assumptions
+          </Text>
+          <InsuranceRangeSlider
+            label="Age"
+            min={18}
+            max={70}
+            step={1}
+            value={Number(calculator.age || 18)}
+            onValueChange={(value) =>
+              dispatch(
+                insuranceActions.updateInsuranceCalculator({
+                  field: 'age',
+                  value: String(value),
+                }),
+              )
+            }
+          />
+          <InsuranceRangeSlider
+            label="Coverage"
+            min={100000}
+            max={20000000}
+            step={100000}
+            value={coverageValue || 100000}
+            formatter={(value) => formatCompactCurrency(value)}
+            onValueChange={(value) =>
+              dispatch(
+                insuranceActions.updateInsuranceCalculator({
+                  field: 'coverageAmount',
+                  value: String(value),
+                }),
+              )
+            }
+          />
+          <InsuranceRangeSlider
+            label="Tenure"
+            min={1}
+            max={30}
+            step={1}
+            value={Number(calculator.tenureYears || 1)}
+            suffix=" yr"
+            onValueChange={(value) =>
+              dispatch(
+                insuranceActions.updateInsuranceCalculator({
+                  field: 'tenureYears',
+                  value: String(value),
+                }),
+              )
+            }
+          />
+        </Card>
+
+        <Card style={styles.sectionCard}>
+          <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+            Manual inputs
+          </Text>
+          <Input
+            label="Age"
+            keyboardType="number-pad"
+            value={calculator.age}
+            onChangeText={(value) =>
+              dispatch(
+                insuranceActions.updateInsuranceCalculator({ field: 'age', value }),
+              )
+            }
+          />
+          <Input
+            label="Coverage Amount"
+            keyboardType="number-pad"
+            value={calculator.coverageAmount}
+            onChangeText={(value) =>
+              dispatch(
+                insuranceActions.updateInsuranceCalculator({
+                  field: 'coverageAmount',
+                  value,
+                }),
+              )
+            }
+          />
+          <Input
+            label="Tenure Years"
+            keyboardType="number-pad"
+            value={calculator.tenureYears}
+            onChangeText={(value) =>
+              dispatch(
+                insuranceActions.updateInsuranceCalculator({
+                  field: 'tenureYears',
+                  value,
+                }),
+              )
+            }
+          />
+        </Card>
+
+        <Card style={styles.resultCard}>
+          <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+            Estimated premium
+          </Text>
+          <View style={styles.resultGrid}>
+            <View style={[styles.resultMetric, { backgroundColor: theme.colors.surfaceMuted }]}>
+              <Text style={[styles.resultLabel, { color: theme.colors.textSecondary }]}>
+                Monthly
+              </Text>
+              <Text style={[styles.resultValue, { color: theme.colors.textPrimary }]}>
+                {estimate ? formatCurrency(estimate.monthlyPremium) : '--'}
+              </Text>
+            </View>
+            <View style={[styles.resultMetric, { backgroundColor: theme.colors.surfaceMuted }]}>
+              <Text style={[styles.resultLabel, { color: theme.colors.textSecondary }]}>
+                Annual
+              </Text>
+              <Text style={[styles.resultValue, { color: theme.colors.textPrimary }]}>
+                {estimate ? formatCurrency(estimate.annualPremium) : '--'}
+              </Text>
+            </View>
+          </View>
+          <Text style={[styles.recommendation, { color: theme.colors.textSecondary }]}>
+            Recommended protection: {estimate ? formatCompactCurrency(estimate.recommendedCover) : '--'}
+          </Text>
+          <Button
+            title="Buy This Cover"
+            onPress={() =>
+              navigation.navigate('BuyInsurance', { category: effectiveCategory })
+            }
+          />
+        </Card>
+      </ScrollView>
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  scroll: {
+    gap: 16,
+    paddingBottom: 28,
+  },
+  sectionCard: {
+    gap: 14,
+  },
+  sectionTitle: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  categoryWrap: {
+    flexDirection: 'row',
+    flexWrap: 'wrap',
+    gap: 10,
+  },
+  resultCard: {
+    gap: 14,
+  },
+  resultGrid: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  resultMetric: {
+    flex: 1,
+    borderRadius: 16,
+    padding: 14,
+    gap: 4,
+  },
+  resultLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  resultValue: {
+    fontSize: 18,
+    fontWeight: '900',
+  },
+  recommendation: {
+    fontSize: 12,
+    lineHeight: 18,
+  },
+});

src/modules/insurance/screens/InsuranceClaimsScreen.tsx

@@ -0,0 +1,392 @@
+import React, { useEffect, useMemo, useState } from 'react';
+import {
+  FlatList,
+  RefreshControl,
+  StyleSheet,
+  Text,
+  View,
+} from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+
+import { Button, Card, EmptyState, Input, Loader, ScreenShell } from '../../../components';
+import { useToast } from '../../../hooks/useToast';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatCurrency, formatDate } from '../../../utils/formatters';
+import { InsuranceClaimCard } from '../components/InsuranceClaimCard';
+import { InsuranceDocumentItem } from '../components/InsuranceDocumentItem';
+import { InsuranceOtpModal } from '../components/InsuranceOtpModal';
+import {
+  useGetInsuranceClaimsQuery,
+  useGetInsurancePoliciesQuery,
+  useRequestInsuranceOtpMutation,
+  useSubmitInsuranceClaimMutation,
+  useUploadInsuranceDocumentMutation,
+} from '../services/insuranceApi';
+import type { InsuranceClaimDraft } from '../types';
+import { validateInsuranceClaimDraft, validateInsuranceOtp } from '../utils/insuranceValidation';
+import type { InsuranceDocument } from '../types';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsuranceClaims'>;
+
+const initialDraft: InsuranceClaimDraft = {
+  policyId: '',
+  reason: '',
+  eventDate: '',
+  amount: '',
+  description: '',
+  documentIds: [],
+};
+
+const SUPPORTING_DOCUMENTS = [
+  {
+    name: 'Hospital Invoice',
+    type: 'Invoice' as const,
+    category: 'claim' as const,
+    mimeType: 'application/pdf',
+    uri: 'https://mock.bankcbs.dev/uploads/hospital_invoice.pdf',
+    sizeKb: 520,
+  },
+  {
+    name: 'Medical Report',
+    type: 'Medical Report' as const,
+    category: 'claim' as const,
+    mimeType: 'application/pdf',
+    uri: 'https://mock.bankcbs.dev/uploads/medical_report.pdf',
+    sizeKb: 440,
+  },
+  {
+    name: 'Repair Invoice',
+    type: 'Invoice' as const,
+    category: 'claim' as const,
+    mimeType: 'application/pdf',
+    uri: 'https://mock.bankcbs.dev/uploads/repair_invoice.pdf',
+    sizeKb: 468,
+  },
+];
+
+export default function InsuranceClaimsScreen({ route }: Props) {
+  const theme = useTheme();
+  const toast = useToast();
+  const claimsQuery = useGetInsuranceClaimsQuery(
+    route.params?.policyId ? { policyId: route.params.policyId } : undefined,
+  );
+  const policiesQuery = useGetInsurancePoliciesQuery();
+  const [uploadDocument, uploadState] = useUploadInsuranceDocumentMutation();
+  const [requestOtp, requestOtpState] = useRequestInsuranceOtpMutation();
+  const [submitClaim, submitClaimState] = useSubmitInsuranceClaimMutation();
+  const [draft, setDraft] = useState<InsuranceClaimDraft>({
+    ...initialDraft,
+    policyId: route.params?.policyId ?? '',
+  });
+  const [attachedDocuments, setAttachedDocuments] = useState<InsuranceDocument[]>([]);
+  const [errors, setErrors] = useState<Record<string, string>>({});
+  const [otp, setOtp] = useState('');
+  const [otpVisible, setOtpVisible] = useState(false);
+  const [otpError, setOtpError] = useState<string | undefined>();
+  const [mockCodeHint, setMockCodeHint] = useState<string | undefined>();
+
+  useEffect(() => {
+    if (route.params?.policyId) {
+      setDraft((current) => ({ ...current, policyId: route.params?.policyId ?? '' }));
+    }
+  }, [route.params?.policyId]);
+
+  const selectedPolicy = useMemo(
+    () => (policiesQuery.data ?? []).find((policy) => policy.id === draft.policyId) ?? null,
+    [draft.policyId, policiesQuery.data],
+  );
+
+  const handleUpload = async (index: number) => {
+    const sample = SUPPORTING_DOCUMENTS[index];
+
+    if (!sample) {
+      return;
+    }
+
+    const result = await uploadDocument(sample);
+
+    if ('data' in result && result.data) {
+      setDraft((current) => ({
+        ...current,
+        documentIds: [...current.documentIds, result.data.id],
+      }));
+      setAttachedDocuments((current) => [result.data, ...current]);
+      toast('Document attached', 'success', `${sample.name} added to this claim.`);
+      return;
+    }
+
+    toast('Unable to attach document', 'error', 'Please try again.');
+  };
+
+  const handleRequestOtp = async () => {
+    const validationErrors = validateInsuranceClaimDraft(draft);
+    setErrors(validationErrors);
+
+    if (Object.keys(validationErrors).length) {
+      return;
+    }
+
+    const result = await requestOtp({ action: 'claim', policyId: draft.policyId });
+
+    if ('data' in result && result.data) {
+      setMockCodeHint(result.data.mockCodeHint);
+      setOtpVisible(true);
+      setOtpError(undefined);
+      return;
+    }
+
+    toast('Unable to send OTP', 'error', 'Please try again.');
+  };
+
+  const handleSubmitClaim = async () => {
+    const error = validateInsuranceOtp(otp);
+
+    if (error) {
+      setOtpError(error);
+      return;
+    }
+
+    const result = await submitClaim({
+      policyId: draft.policyId,
+      reason: draft.reason,
+      eventDate: draft.eventDate,
+      amount: Number(draft.amount),
+      description: draft.description,
+      documentIds: draft.documentIds,
+      otp,
+    });
+
+    if ('data' in result && result.data) {
+      setOtpVisible(false);
+      setOtp('');
+      setDraft({
+        ...initialDraft,
+        policyId: route.params?.policyId ?? '',
+      });
+      setAttachedDocuments([]);
+      setErrors({});
+      toast(
+        'Claim submitted',
+        'success',
+        `${result.data.referenceId} has been filed successfully.`,
+      );
+      return;
+    }
+
+    setOtpError('Claim submission failed. Please try again.');
+  };
+
+  return (
+    <ScreenShell title="Claims" subtitle="File new claims and track history" scrollable={false}>
+      <FlatList
+        data={claimsQuery.data ?? []}
+        keyExtractor={(item) => item.id}
+        contentContainerStyle={styles.listContent}
+        showsVerticalScrollIndicator={false}
+        refreshControl={
+          <RefreshControl
+            refreshing={claimsQuery.isFetching || policiesQuery.isFetching}
+            onRefresh={() => {
+              void claimsQuery.refetch();
+              void policiesQuery.refetch();
+            }}
+            tintColor={theme.colors.primary}
+            colors={[theme.colors.primary]}
+          />
+        }
+        ListHeaderComponent={
+          <View style={styles.headerWrap}>
+            <Card style={styles.formCard}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                File a new claim
+              </Text>
+
+              <View style={styles.policyWrap}>
+                {(policiesQuery.data ?? []).map((policy) => (
+                  <Button
+                    key={policy.id}
+                    title={policy.planName}
+                    variant={draft.policyId === policy.id ? 'primary' : 'secondary'}
+                    onPress={() => setDraft((current) => ({ ...current, policyId: policy.id }))}
+                  />
+                ))}
+              </View>
+              {errors.policyId ? (
+                <Text style={[styles.errorText, { color: theme.colors.error }]}>
+                  {errors.policyId}
+                </Text>
+              ) : null}
+
+              <Input
+                label="Claim Reason"
+                value={draft.reason}
+                onChangeText={(value) => setDraft((current) => ({ ...current, reason: value }))}
+                error={errors.reason}
+                placeholder="Hospitalization, accident, repair, trip delay, etc."
+              />
+              <Input
+                label="Event Date"
+                value={draft.eventDate}
+                onChangeText={(value) => setDraft((current) => ({ ...current, eventDate: value }))}
+                error={errors.eventDate}
+                placeholder="YYYY-MM-DD"
+              />
+              <Input
+                label="Claim Amount"
+                value={draft.amount}
+                keyboardType="number-pad"
+                onChangeText={(value) => setDraft((current) => ({ ...current, amount: value }))}
+                error={errors.amount}
+                placeholder="Enter claim amount"
+              />
+              <Input
+                label="Claim Details"
+                value={draft.description}
+                onChangeText={(value) =>
+                  setDraft((current) => ({ ...current, description: value }))
+                }
+                error={errors.description}
+                placeholder="Describe the event and supporting details"
+                multiline
+              />
+
+              {selectedPolicy ? (
+                <View
+                  style={[styles.policySummary, { backgroundColor: theme.colors.surfaceMuted }]}
+                >
+                  <Text style={[styles.policySummaryTitle, { color: theme.colors.textPrimary }]}>
+                    {selectedPolicy.planName}
+                  </Text>
+                  <Text style={[styles.policySummaryText, { color: theme.colors.textSecondary }]}>
+                    {selectedPolicy.policyNumber} · Coverage {formatCurrency(selectedPolicy.coverageAmount)}
+                  </Text>
+                </View>
+              ) : null}
+
+              <View style={styles.attachRow}>
+                <View style={styles.attachCol}>
+                  <Button
+                    title="Attach Invoice"
+                    variant="secondary"
+                    onPress={() => void handleUpload(0)}
+                    loading={uploadState.isLoading}
+                  />
+                </View>
+                <View style={styles.attachCol}>
+                  <Button
+                    title="Attach Report"
+                    variant="secondary"
+                    onPress={() => void handleUpload(1)}
+                    loading={uploadState.isLoading}
+                  />
+                </View>
+              </View>
+              <Button
+                title="Attach Repair PDF"
+                variant="secondary"
+                onPress={() => void handleUpload(2)}
+                loading={uploadState.isLoading}
+              />
+              {errors.documents ? (
+                <Text style={[styles.errorText, { color: theme.colors.error }]}>
+                  {errors.documents}
+                </Text>
+              ) : null}
+
+              {attachedDocuments.map((document) => (
+                <InsuranceDocumentItem key={document.id} document={document} />
+              ))}
+
+              <Button
+                title="Request OTP & Submit"
+                onPress={() => void handleRequestOtp()}
+                loading={requestOtpState.isLoading}
+              />
+            </Card>
+          </View>
+        }
+        renderItem={({ item }) => <InsuranceClaimCard claim={item} />}
+        ItemSeparatorComponent={() => <View style={styles.separator} />}
+        ListEmptyComponent={
+          claimsQuery.isLoading ? (
+            <Card>
+              <Loader />
+            </Card>
+          ) : claimsQuery.isError ? (
+            <EmptyState
+              title="Unable to load claims"
+              description="Refresh and try again."
+              actionLabel="Retry"
+              onAction={() => void claimsQuery.refetch()}
+            />
+          ) : (
+            <EmptyState
+              title="No claims found"
+              description="Submitted claims and settlement updates will appear here."
+            />
+          )
+        }
+      />
+
+      <InsuranceOtpModal
+        visible={otpVisible}
+        title="Verify Claim Submission"
+        description="Enter the OTP sent to your registered mobile number to authorize this claim request."
+        otp={otp}
+        onOtpChange={setOtp}
+        onClose={() => setOtpVisible(false)}
+        onConfirm={() => void handleSubmitClaim()}
+        loading={submitClaimState.isLoading}
+        error={otpError}
+        mockCodeHint={mockCodeHint}
+      />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  listContent: {
+    paddingBottom: 70,
+  },
+  headerWrap: {
+    marginBottom: 16,
+  },
+  formCard: {
+    gap: 12,
+  },
+  sectionTitle: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  policyWrap: {
+    gap: 10,
+  },
+  policySummary: {
+    borderRadius: 14,
+    padding: 12,
+    gap: 4,
+  },
+  policySummaryTitle: {
+    fontSize: 14,
+    fontWeight: '800',
+  },
+  policySummaryText: {
+    fontSize: 12,
+    lineHeight: 17,
+  },
+  attachRow: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  attachCol: {
+    flex: 1,
+  },
+  errorText: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  separator: {
+    height: 12,
+  },
+});

src/modules/insurance/screens/InsuranceComparisonScreen.tsx

@@ -0,0 +1,162 @@
+import React from 'react';
+import { ScrollView, StyleSheet, Text, View } from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+
+import { Button, Card, EmptyState, Loader, ScreenShell } from '../../../components';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatCompactCurrency, formatCurrency } from '../../../utils/formatters';
+import { useCompareInsurancePlansQuery } from '../services/insuranceApi';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsuranceComparison'>;
+
+const comparisonRows = [
+  { key: 'premium', label: 'Premium' },
+  { key: 'coverage', label: 'Coverage' },
+  { key: 'csr', label: 'Claim ratio' },
+  { key: 'benefits', label: 'Benefits' },
+] as const;
+
+export default function InsuranceComparisonScreen({ navigation, route }: Props) {
+  const theme = useTheme();
+  const { data, isLoading, isError, refetch } = useCompareInsurancePlansQuery(route.params.planIds);
+
+  return (
+    <ScreenShell title="Comparison" subtitle="Side-by-side plan evaluation">
+      {isLoading ? (
+        <Card>
+          <Loader />
+        </Card>
+      ) : null}
+
+      {isError ? (
+        <EmptyState
+          title="Unable to compare plans"
+          description="Refresh and try again."
+          actionLabel="Retry"
+          onAction={refetch}
+        />
+      ) : null}
+
+      {!isLoading && !isError && (!data || data.length < 2) ? (
+        <EmptyState
+          title="Select at least two plans"
+          description="Add plans to the comparison tray from the buy insurance journey."
+          actionLabel="Back to Buy Flow"
+          onAction={() => navigation.navigate('BuyInsurance', { category: route.params.category })}
+        />
+      ) : null}
+
+      {data && data.length >= 2 ? (
+        <ScrollView contentContainerStyle={styles.scroll} showsVerticalScrollIndicator={false}>
+          <Card style={styles.tableCard}>
+            {comparisonRows.map((row) => (
+              <View
+                key={row.key}
+                style={[styles.compareRow, { borderBottomColor: theme.colors.cardBorder }]}
+              >
+                <Text style={[styles.rowLabel, { color: theme.colors.textSecondary }]}>
+                  {row.label}
+                </Text>
+                <View style={styles.valueColumns}>
+                  {data.map((plan) => (
+                    <View key={`${plan.id}_${row.key}`} style={styles.valueCell}>
+                      <Text style={[styles.valueText, { color: theme.colors.textPrimary }]}>
+                        {row.key === 'premium'
+                          ? formatCurrency(plan.premium)
+                          : row.key === 'coverage'
+                            ? formatCompactCurrency(plan.coverAmount)
+                            : row.key === 'csr'
+                              ? `${plan.claimSettlementRatio}%`
+                              : `${plan.benefits.length} core benefits`}
+                      </Text>
+                    </View>
+                  ))}
+                </View>
+              </View>
+            ))}
+          </Card>
+
+          <ScrollView horizontal showsHorizontalScrollIndicator={false}>
+            <View style={styles.planColumnWrap}>
+              {data.map((plan) => (
+                <Card key={plan.id} style={styles.planCard}>
+                  <Text style={[styles.planTitle, { color: theme.colors.textPrimary }]}>
+                    {plan.name}
+                  </Text>
+                  <Text style={[styles.planSubtitle, { color: theme.colors.textSecondary }]}>
+                    {plan.insurerName}
+                  </Text>
+                  {plan.benefits.map((benefit) => (
+                    <Text key={benefit} style={[styles.planBullet, { color: theme.colors.textPrimary }]}>
+                      • {benefit}
+                    </Text>
+                  ))}
+                </Card>
+              ))}
+            </View>
+          </ScrollView>
+
+          <Button
+            title="Back to Buy Flow"
+            onPress={() => navigation.navigate('BuyInsurance', { category: route.params.category })}
+          />
+        </ScrollView>
+      ) : null}
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  scroll: {
+    gap: 16,
+    paddingBottom: 28,
+  },
+  tableCard: {
+    gap: 0,
+  },
+  compareRow: {
+    paddingVertical: 12,
+    borderBottomWidth: StyleSheet.hairlineWidth,
+    gap: 10,
+  },
+  rowLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  valueColumns: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  valueCell: {
+    flex: 1,
+    minWidth: 120,
+  },
+  valueText: {
+    fontSize: 14,
+    fontWeight: '700',
+  },
+  planColumnWrap: {
+    flexDirection: 'row',
+    gap: 12,
+    paddingBottom: 4,
+  },
+  planCard: {
+    width: 240,
+    gap: 8,
+  },
+  planTitle: {
+    fontSize: 15,
+    fontWeight: '800',
+  },
+  planSubtitle: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  planBullet: {
+    fontSize: 12,
+    lineHeight: 18,
+  },
+});

src/modules/insurance/screens/InsuranceDashboardScreen.tsx

@@ -0,0 +1,428 @@
+import React from 'react';
+import {
+  Pressable,
+  RefreshControl,
+  ScrollView,
+  StyleSheet,
+  Text,
+  View,
+} from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+import Ionicons from '@react-native-vector-icons/ionicons';
+import Animated, { FadeInDown } from 'react-native-reanimated';
+
+import { Button, Card, EmptyState, Loader, ScreenShell } from '../../../components';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import {
+  formatCompactCurrency,
+  formatCurrency,
+  formatDate,
+} from '../../../utils/formatters';
+import { InsuranceCategoryChip } from '../components/InsuranceCategoryChip';
+import { InsuranceClaimCard } from '../components/InsuranceClaimCard';
+import { InsurancePolicyCard } from '../components/InsurancePolicyCard';
+import { useInsuranceDashboard } from '../hooks/useInsuranceDashboard';
+import { INSURANCE_CATEGORIES } from '../types';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsuranceDashboard'>;
+
+export default function InsuranceDashboardScreen({ navigation }: Props) {
+  const theme = useTheme();
+  const { dashboard, isLoading, isError, refreshing, onRefresh } = useInsuranceDashboard();
+
+  return (
+    <ScreenShell
+      title="Insurance"
+      subtitle="Policies, premiums, claims, and document servicing"
+      scrollable={false}
+      rightContent={
+        <Pressable
+          onPress={() => navigation.navigate('InsuranceNotifications')}
+          style={[styles.iconButton, { backgroundColor: theme.colors.surfaceMuted }]}
+        >
+          <Ionicons name="notifications-outline" size={20} color={theme.colors.primary} />
+        </Pressable>
+      }
+    >
+      <ScrollView
+        contentContainerStyle={styles.scrollContent}
+        showsVerticalScrollIndicator={false}
+        refreshControl={
+          <RefreshControl
+            refreshing={refreshing}
+            onRefresh={onRefresh}
+            tintColor={theme.colors.primary}
+            colors={[theme.colors.primary]}
+          />
+        }
+      >
+        {isLoading && !dashboard ? (
+          <Card>
+            <Loader />
+          </Card>
+        ) : null}
+
+        {isError && !dashboard ? (
+          <EmptyState
+            title="Unable to load insurance"
+            description="Pull to refresh or try again in a moment."
+            actionLabel="Retry"
+            onAction={onRefresh}
+          />
+        ) : null}
+
+        {dashboard ? (
+          <>
+            <Animated.View entering={FadeInDown.springify()}>
+              <Card style={styles.heroCard}>
+                <View style={styles.heroHeader}>
+                  <View>
+                    <Text style={[styles.heroEyebrow, { color: theme.colors.primary }]}>
+                      Portfolio overview
+                    </Text>
+                    <Text style={[styles.heroTitle, { color: theme.colors.textPrimary }]}>
+                      {formatCompactCurrency(dashboard.totalCoverageAmount)}
+                    </Text>
+                    <Text style={[styles.heroSubtitle, { color: theme.colors.textSecondary }]}>
+                      Total live coverage across {dashboard.activePoliciesCount} active policies
+                    </Text>
+                  </View>
+                  <View
+                    style={[styles.heroBadge, { backgroundColor: `${theme.colors.accent}14` }]}
+                  >
+                    <Text style={[styles.heroBadgeValue, { color: theme.colors.accent }]}>
+                      {dashboard.policies.length}
+                    </Text>
+                    <Text style={[styles.heroBadgeLabel, { color: theme.colors.textSecondary }]}>
+                      policies
+                    </Text>
+                  </View>
+                </View>
+
+                <View style={styles.metricRow}>
+                  <View style={[styles.metricCard, { backgroundColor: theme.colors.surfaceMuted }]}>
+                    <Text style={[styles.metricLabel, { color: theme.colors.textSecondary }]}>
+                      Upcoming premium
+                    </Text>
+                    <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+                      {dashboard.upcomingPremium
+                        ? formatCurrency(dashboard.upcomingPremium.amount)
+                        : 'None'}
+                    </Text>
+                    <Text style={[styles.metricCaption, { color: theme.colors.textMuted }]}>
+                      {dashboard.upcomingPremium
+                        ? formatDate(dashboard.upcomingPremium.dueDate)
+                        : 'No premium due'}
+                    </Text>
+                  </View>
+                  <View style={[styles.metricCard, { backgroundColor: theme.colors.surfaceMuted }]}>
+                    <Text style={[styles.metricLabel, { color: theme.colors.textSecondary }]}>
+                      Due premiums
+                    </Text>
+                    <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+                      {dashboard.duePremiums.length}
+                    </Text>
+                    <Text style={[styles.metricCaption, { color: theme.colors.textMuted }]}>
+                      Renewal and recurring premium reminders
+                    </Text>
+                  </View>
+                </View>
+              </Card>
+            </Animated.View>
+
+            <Animated.View entering={FadeInDown.delay(80).springify()}>
+              <Card style={styles.sectionCard}>
+                <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                  Quick actions
+                </Text>
+                <View style={styles.actionRow}>
+                  <View style={styles.actionCol}>
+                    <Button
+                      title="Buy Policy"
+                      onPress={() => navigation.navigate('BuyInsurance')}
+                    />
+                  </View>
+                  <View style={styles.actionCol}>
+                    <Button
+                      title="Renew Policy"
+                      variant="secondary"
+                      onPress={() => navigation.navigate('InsuranceRenewals')}
+                    />
+                  </View>
+                </View>
+                <View style={styles.actionRow}>
+                  <View style={styles.actionCol}>
+                    <Button
+                      title="File Claim"
+                      variant="secondary"
+                      onPress={() => navigation.navigate('InsuranceClaims')}
+                    />
+                  </View>
+                  <View style={styles.actionCol}>
+                    <Button
+                      title="View Policies"
+                      variant="secondary"
+                      onPress={() => navigation.navigate('InsurancePolicies')}
+                    />
+                  </View>
+                </View>
+                <View style={styles.actionRow}>
+                  <View style={styles.actionCol}>
+                    <Button
+                      title="Documents"
+                      variant="secondary"
+                      onPress={() => navigation.navigate('InsuranceDocuments')}
+                    />
+                  </View>
+                  <View style={styles.actionCol}>
+                    <Button
+                      title="Calculator"
+                      variant="secondary"
+                      onPress={() => navigation.navigate('InsuranceCalculator')}
+                    />
+                  </View>
+                </View>
+              </Card>
+            </Animated.View>
+
+            <Animated.View entering={FadeInDown.delay(120).springify()} style={styles.sectionWrap}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                Categories
+              </Text>
+              <View style={styles.categoryWrap}>
+                {INSURANCE_CATEGORIES.map((category) => (
+                  <InsuranceCategoryChip
+                    key={category}
+                    category={category}
+                    selected={false}
+                    onPress={() => navigation.navigate('BuyInsurance', { category })}
+                  />
+                ))}
+              </View>
+            </Animated.View>
+
+            <Animated.View entering={FadeInDown.delay(160).springify()} style={styles.sectionWrap}>
+              <View style={styles.sectionHeader}>
+                <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                  Active policies
+                </Text>
+                <Pressable onPress={() => navigation.navigate('InsurancePolicies')}>
+                  <Text style={[styles.linkText, { color: theme.colors.primary }]}>See all</Text>
+                </Pressable>
+              </View>
+              {dashboard.policies.map((policy) => (
+                <InsurancePolicyCard
+                  key={policy.id}
+                  policy={policy}
+                  onPress={() =>
+                    navigation.navigate('InsurancePolicyDetails', { policyId: policy.id })
+                  }
+                />
+              ))}
+            </Animated.View>
+
+            <Animated.View entering={FadeInDown.delay(200).springify()} style={styles.sectionWrap}>
+              <View style={styles.sectionHeader}>
+                <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                  Recent claims
+                </Text>
+                <Pressable onPress={() => navigation.navigate('InsuranceClaims')}>
+                  <Text style={[styles.linkText, { color: theme.colors.primary }]}>Manage</Text>
+                </Pressable>
+              </View>
+              {dashboard.recentClaims.length ? (
+                dashboard.recentClaims.map((claim) => (
+                  <InsuranceClaimCard key={claim.id} claim={claim} />
+                ))
+              ) : (
+                <EmptyState
+                  title="No claims yet"
+                  description="Your submitted claims and settlement updates will appear here."
+                />
+              )}
+            </Animated.View>
+
+            <Animated.View entering={FadeInDown.delay(240).springify()} style={styles.sectionWrap}>
+              <View style={styles.sectionHeader}>
+                <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                  Notifications
+                </Text>
+                <Pressable onPress={() => navigation.navigate('InsuranceNotifications')}>
+                  <Text style={[styles.linkText, { color: theme.colors.primary }]}>Open</Text>
+                </Pressable>
+              </View>
+              <Card style={styles.notificationCard}>
+                {dashboard.notifications.map((notification) => (
+                  <View
+                    key={notification.id}
+                    style={[styles.notificationRow, { borderBottomColor: theme.colors.cardBorder }]}
+                  >
+                    <View style={styles.notificationCopy}>
+                      <Text style={[styles.notificationTitle, { color: theme.colors.textPrimary }]}>
+                        {notification.title}
+                      </Text>
+                      <Text style={[styles.notificationBody, { color: theme.colors.textSecondary }]}>
+                        {notification.body}
+                      </Text>
+                    </View>
+                    {!notification.read ? (
+                      <View
+                        style={[styles.unreadDot, { backgroundColor: theme.colors.primary }]}
+                      />
+                    ) : null}
+                  </View>
+                ))}
+              </Card>
+            </Animated.View>
+          </>
+        ) : null}
+
+        <View style={styles.bottomSpacer} />
+      </ScrollView>
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  scrollContent: {
+    gap: 18,
+    paddingBottom: 24,
+  },
+  iconButton: {
+    width: 40,
+    height: 40,
+    borderRadius: 14,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  heroCard: {
+    gap: 16,
+  },
+  heroHeader: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    gap: 12,
+  },
+  heroEyebrow: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.6,
+  },
+  heroTitle: {
+    fontSize: 28,
+    fontWeight: '900',
+    marginTop: 4,
+  },
+  heroSubtitle: {
+    fontSize: 13,
+    lineHeight: 18,
+    marginTop: 4,
+  },
+  heroBadge: {
+    minWidth: 82,
+    borderRadius: 16,
+    alignItems: 'center',
+    justifyContent: 'center',
+    paddingHorizontal: 12,
+    paddingVertical: 12,
+  },
+  heroBadgeValue: {
+    fontSize: 22,
+    fontWeight: '900',
+  },
+  heroBadgeLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  metricRow: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  metricCard: {
+    flex: 1,
+    borderRadius: 16,
+    padding: 14,
+    gap: 4,
+  },
+  metricLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  metricValue: {
+    fontSize: 18,
+    fontWeight: '900',
+  },
+  metricCaption: {
+    fontSize: 11,
+    fontWeight: '600',
+    lineHeight: 16,
+  },
+  sectionCard: {
+    gap: 14,
+  },
+  sectionTitle: {
+    fontSize: 17,
+    fontWeight: '800',
+  },
+  actionRow: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  actionCol: {
+    flex: 1,
+  },
+  sectionWrap: {
+    gap: 12,
+  },
+  categoryWrap: {
+    flexDirection: 'row',
+    flexWrap: 'wrap',
+    gap: 10,
+  },
+  sectionHeader: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    alignItems: 'center',
+  },
+  linkText: {
+    fontSize: 12,
+    fontWeight: '800',
+  },
+  notificationCard: {
+    gap: 0,
+  },
+  notificationRow: {
+    flexDirection: 'row',
+    alignItems: 'flex-start',
+    gap: 10,
+    paddingVertical: 12,
+    borderBottomWidth: StyleSheet.hairlineWidth,
+  },
+  notificationCopy: {
+    flex: 1,
+    gap: 4,
+  },
+  notificationTitle: {
+    fontSize: 14,
+    fontWeight: '800',
+  },
+  notificationBody: {
+    fontSize: 12,
+    lineHeight: 17,
+  },
+  unreadDot: {
+    width: 8,
+    height: 8,
+    borderRadius: 4,
+    marginTop: 6,
+  },
+  bottomSpacer: {
+    height: 70,
+  },
+});

src/modules/insurance/screens/InsuranceDocumentsScreen.tsx

@@ -0,0 +1,180 @@
+import React from 'react';
+import {
+  FlatList,
+  RefreshControl,
+  StyleSheet,
+  Text,
+  View,
+} from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+
+import { Button, Card, EmptyState, Loader, ScreenShell } from '../../../components';
+import { useToast } from '../../../hooks/useToast';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { InsuranceDocumentItem } from '../components/InsuranceDocumentItem';
+import { useGetInsuranceDocumentsQuery, useUploadInsuranceDocumentMutation } from '../services/insuranceApi';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsuranceDocuments'>;
+
+const SAMPLE_UPLOADS = [
+  {
+    name: 'Aadhaar Front',
+    type: 'Aadhaar' as const,
+    category: 'kyc' as const,
+    mimeType: 'application/pdf',
+    uri: 'https://mock.bankcbs.dev/uploads/aadhaar_front.pdf',
+    sizeKb: 224,
+  },
+  {
+    name: 'PAN Card',
+    type: 'PAN' as const,
+    category: 'kyc' as const,
+    mimeType: 'image/jpeg',
+    uri: 'https://mock.bankcbs.dev/uploads/pan_card.jpg',
+    sizeKb: 188,
+  },
+  {
+    name: 'Claim Support PDF',
+    type: 'Invoice' as const,
+    category: 'claim' as const,
+    mimeType: 'application/pdf',
+    uri: 'https://mock.bankcbs.dev/uploads/claim_support.pdf',
+    sizeKb: 464,
+  },
+];
+
+export default function InsuranceDocumentsScreen(_props: Props) {
+  const theme = useTheme();
+  const toast = useToast();
+  const { data, isLoading, isError, refetch, isFetching } = useGetInsuranceDocumentsQuery();
+  const [uploadDocument, uploadState] = useUploadInsuranceDocumentMutation();
+
+  const handleUpload = async (index: number) => {
+    const sample = SAMPLE_UPLOADS[index];
+
+    if (!sample) {
+      return;
+    }
+
+    const result = await uploadDocument(sample);
+
+    if ('data' in result) {
+      toast('Document uploaded', 'success', `${sample.name} is now available in the secure vault.`);
+    } else {
+      toast('Upload failed', 'error', 'Please try again.');
+    }
+  };
+
+  return (
+    <ScreenShell title="Documents" subtitle="KYC vault and claim supporting files" scrollable={false}>
+      <FlatList
+        data={data ?? []}
+        keyExtractor={(item) => item.id}
+        contentContainerStyle={styles.listContent}
+        showsVerticalScrollIndicator={false}
+        refreshControl={
+          <RefreshControl
+            refreshing={isFetching}
+            onRefresh={refetch}
+            tintColor={theme.colors.primary}
+            colors={[theme.colors.primary]}
+          />
+        }
+        ListHeaderComponent={
+          <View style={styles.headerWrap}>
+            <Card style={styles.summaryCard}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                Upload shortcuts
+              </Text>
+              <View style={styles.actionRow}>
+                <View style={styles.actionCol}>
+                  <Button
+                    title="Upload Aadhaar"
+                    variant="secondary"
+                    onPress={() => void handleUpload(0)}
+                    loading={uploadState.isLoading}
+                  />
+                </View>
+                <View style={styles.actionCol}>
+                  <Button
+                    title="Upload PAN"
+                    variant="secondary"
+                    onPress={() => void handleUpload(1)}
+                    loading={uploadState.isLoading}
+                  />
+                </View>
+              </View>
+              <Button
+                title="Upload Claim PDF"
+                variant="secondary"
+                onPress={() => void handleUpload(2)}
+                loading={uploadState.isLoading}
+              />
+            </Card>
+          </View>
+        }
+        renderItem={({ item }) => (
+          <InsuranceDocumentItem
+            document={item}
+            onView={() =>
+              toast('Document available', 'info', `${item.name} is stored in encrypted vault storage.`)
+            }
+            onReupload={() =>
+              void uploadDocument({
+                ...SAMPLE_UPLOADS[item.category === 'kyc' ? 0 : 2]!,
+                existingDocumentId: item.id,
+              })
+            }
+          />
+        )}
+        ItemSeparatorComponent={() => <View style={styles.separator} />}
+        ListEmptyComponent={
+          isLoading ? (
+            <Card>
+              <Loader />
+            </Card>
+          ) : isError ? (
+            <EmptyState
+              title="Unable to load documents"
+              description="Please refresh and try again."
+              actionLabel="Retry"
+              onAction={refetch}
+            />
+          ) : (
+            <EmptyState
+              title="No documents uploaded"
+              description="Upload your KYC and claim files to keep them ready for servicing."
+            />
+          )
+        }
+      />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  listContent: {
+    paddingBottom: 70,
+  },
+  headerWrap: {
+    marginBottom: 16,
+  },
+  summaryCard: {
+    gap: 12,
+  },
+  sectionTitle: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  actionRow: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  actionCol: {
+    flex: 1,
+  },
+  separator: {
+    height: 12,
+  },
+});

src/modules/insurance/screens/InsuranceNotificationsScreen.tsx

@@ -0,0 +1,131 @@
+import React from 'react';
+import {
+  FlatList,
+  Pressable,
+  RefreshControl,
+  StyleSheet,
+  Text,
+  View,
+} from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { Card, EmptyState, Loader, ScreenShell } from '../../../components';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatDate } from '../../../utils/formatters';
+import {
+  useGetInsuranceNotificationsQuery,
+  useMarkInsuranceNotificationReadMutation,
+} from '../services/insuranceApi';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsuranceNotifications'>;
+
+export default function InsuranceNotificationsScreen(_props: Props) {
+  const theme = useTheme();
+  const { data, isLoading, isError, refetch, isFetching } = useGetInsuranceNotificationsQuery();
+  const [markRead] = useMarkInsuranceNotificationReadMutation();
+
+  return (
+    <ScreenShell title="Notifications" subtitle="Premiums, renewals, claim updates, and offers">
+      <FlatList
+        data={data ?? []}
+        keyExtractor={(item) => item.id}
+        contentContainerStyle={styles.listContent}
+        showsVerticalScrollIndicator={false}
+        refreshControl={
+          <RefreshControl
+            refreshing={isFetching}
+            onRefresh={refetch}
+            tintColor={theme.colors.primary}
+            colors={[theme.colors.primary]}
+          />
+        }
+        renderItem={({ item }) => (
+          <Pressable onPress={() => void markRead(item.id)}>
+            <Card style={styles.card}>
+              <View style={styles.row}>
+                <View style={styles.copy}>
+                  <Text style={[styles.title, { color: theme.colors.textPrimary }]}>
+                    {item.title}
+                  </Text>
+                  <Text style={[styles.body, { color: theme.colors.textSecondary }]}>
+                    {item.body}
+                  </Text>
+                  <Text style={[styles.date, { color: theme.colors.textMuted }]}>
+                    {formatDate(item.createdAt)}
+                  </Text>
+                </View>
+                {!item.read ? (
+                  <View style={[styles.unreadWrap, { backgroundColor: `${theme.colors.primary}12` }]}>
+                    <Ionicons name="ellipse" size={10} color={theme.colors.primary} />
+                  </View>
+                ) : null}
+              </View>
+            </Card>
+          </Pressable>
+        )}
+        ItemSeparatorComponent={() => <View style={styles.separator} />}
+        ListEmptyComponent={
+          isLoading ? (
+            <Card>
+              <Loader />
+            </Card>
+          ) : isError ? (
+            <EmptyState
+              title="Unable to load notifications"
+              description="Please refresh and try again."
+              actionLabel="Retry"
+              onAction={refetch}
+            />
+          ) : (
+            <EmptyState
+              title="You're all caught up"
+              description="New premium reminders and claim updates will land here."
+            />
+          )
+        }
+      />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  listContent: {
+    paddingBottom: 70,
+  },
+  card: {
+    gap: 0,
+  },
+  row: {
+    flexDirection: 'row',
+    gap: 10,
+  },
+  copy: {
+    flex: 1,
+    gap: 4,
+  },
+  title: {
+    fontSize: 15,
+    fontWeight: '800',
+  },
+  body: {
+    fontSize: 12,
+    lineHeight: 18,
+  },
+  date: {
+    fontSize: 11,
+    fontWeight: '600',
+  },
+  unreadWrap: {
+    width: 26,
+    height: 26,
+    borderRadius: 13,
+    alignItems: 'center',
+    justifyContent: 'center',
+    marginTop: 2,
+  },
+  separator: {
+    height: 12,
+  },
+});

src/modules/insurance/screens/InsurancePoliciesScreen.tsx

@@ -0,0 +1,125 @@
+import React, { useMemo } from 'react';
+import {
+  FlatList,
+  RefreshControl,
+  StyleSheet,
+  Text,
+  View,
+} from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+
+import { Button, Card, EmptyState, Loader, ScreenShell } from '../../../components';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatCompactCurrency } from '../../../utils/formatters';
+import { InsurancePolicyCard } from '../components/InsurancePolicyCard';
+import { useGetInsurancePoliciesQuery } from '../services/insuranceApi';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsurancePolicies'>;
+
+export default function InsurancePoliciesScreen({ navigation }: Props) {
+  const theme = useTheme();
+  const { data, isLoading, isError, refetch, isFetching } = useGetInsurancePoliciesQuery();
+
+  const summary = useMemo(() => {
+    const policies = data ?? [];
+
+    return {
+      totalPolicies: policies.length,
+      totalCoverage: policies.reduce((sum, policy) => sum + policy.coverageAmount, 0),
+    };
+  }, [data]);
+
+  return (
+    <ScreenShell title="Policies" subtitle="All policy contracts and renewals" scrollable={false}>
+      <FlatList
+        data={data ?? []}
+        keyExtractor={(item) => item.id}
+        contentContainerStyle={styles.listContent}
+        showsVerticalScrollIndicator={false}
+        refreshControl={
+          <RefreshControl
+            refreshing={isFetching}
+            onRefresh={refetch}
+            tintColor={theme.colors.primary}
+            colors={[theme.colors.primary]}
+          />
+        }
+        ListHeaderComponent={
+          <View style={styles.headerWrap}>
+            <Card style={styles.summaryCard}>
+              <Text style={[styles.summaryLabel, { color: theme.colors.textSecondary }]}>
+                Portfolio coverage
+              </Text>
+              <Text style={[styles.summaryValue, { color: theme.colors.textPrimary }]}>
+                {formatCompactCurrency(summary.totalCoverage)}
+              </Text>
+              <Text style={[styles.summaryCaption, { color: theme.colors.textMuted }]}>
+                {summary.totalPolicies} policies across active, due, and historical contracts
+              </Text>
+            </Card>
+            <Button title="Buy New Policy" onPress={() => navigation.navigate('BuyInsurance')} />
+          </View>
+        }
+        renderItem={({ item }) => (
+          <InsurancePolicyCard
+            policy={item}
+            onPress={() => navigation.navigate('InsurancePolicyDetails', { policyId: item.id })}
+          />
+        )}
+        ListEmptyComponent={
+          isLoading ? (
+            <Card>
+              <Loader />
+            </Card>
+          ) : isError ? (
+            <EmptyState
+              title="Unable to load policies"
+              description="Please refresh and try again."
+              actionLabel="Retry"
+              onAction={refetch}
+            />
+          ) : (
+            <EmptyState
+              title="No policies found"
+              description="Buy your first policy to start building your protection portfolio."
+              actionLabel="Buy Policy"
+              onAction={() => navigation.navigate('BuyInsurance')}
+            />
+          )
+        }
+        ItemSeparatorComponent={() => <View style={styles.separator} />}
+      />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  listContent: {
+    gap: 12,
+    paddingBottom: 70,
+  },
+  headerWrap: {
+    gap: 14,
+  },
+  summaryCard: {
+    gap: 4,
+  },
+  summaryLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  summaryValue: {
+    fontSize: 26,
+    fontWeight: '900',
+  },
+  summaryCaption: {
+    fontSize: 12,
+    lineHeight: 17,
+  },
+  separator: {
+    height: 2,
+  },
+});

src/modules/insurance/screens/InsurancePolicyDetailsScreen.tsx

@@ -0,0 +1,339 @@
+import React from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { Button, Card, EmptyState, Loader, ScreenShell } from '../../../components';
+import { useToast } from '../../../hooks/useToast';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatCompactCurrency, formatCurrency, formatDate } from '../../../utils/formatters';
+import { InsuranceStatusPill } from '../components/InsuranceStatusPill';
+import { useGetInsurancePolicyDetailQuery } from '../services/insuranceApi';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsurancePolicyDetails'>;
+
+export default function InsurancePolicyDetailsScreen({ navigation, route }: Props) {
+  const theme = useTheme();
+  const toast = useToast();
+  const { data, isLoading, isError, refetch } = useGetInsurancePolicyDetailQuery(
+    route.params.policyId,
+  );
+
+  return (
+    <ScreenShell title="Policy Details" subtitle="Coverage, insurer, and servicing actions">
+      {isLoading ? (
+        <Card>
+          <Loader />
+        </Card>
+      ) : null}
+
+      {isError || !data ? (
+        <EmptyState
+          title="Unable to load policy"
+          description="Please retry in a moment."
+          actionLabel="Retry"
+          onAction={refetch}
+        />
+      ) : (
+        <ScrollView contentContainerStyle={styles.scroll} showsVerticalScrollIndicator={false}>
+          <Card style={styles.heroCard}>
+            <View style={styles.heroHeader}>
+              <View style={styles.heroCopy}>
+                <Text style={[styles.heroTitle, { color: theme.colors.textPrimary }]}>
+                  {data.planName}
+                </Text>
+                <Text style={[styles.heroMeta, { color: theme.colors.textSecondary }]}>
+                  {data.policyNumber} · {data.insurer.name}
+                </Text>
+              </View>
+              <InsuranceStatusPill status={data.status} />
+            </View>
+
+            <View style={styles.metricGrid}>
+              <View style={[styles.metricCard, { backgroundColor: theme.colors.surfaceMuted }]}>
+                <Text style={[styles.metricLabel, { color: theme.colors.textSecondary }]}>
+                  Coverage
+                </Text>
+                <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+                  {formatCompactCurrency(data.coverageAmount)}
+                </Text>
+              </View>
+              <View style={[styles.metricCard, { backgroundColor: theme.colors.surfaceMuted }]}>
+                <Text style={[styles.metricLabel, { color: theme.colors.textSecondary }]}>
+                  Premium
+                </Text>
+                <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+                  {formatCurrency(data.premiumAmount)}
+                </Text>
+                <Text style={[styles.metricCaption, { color: theme.colors.textMuted }]}>
+                  {data.premiumFrequency}
+                </Text>
+              </View>
+            </View>
+
+            <View style={styles.infoList}>
+              <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+                Start date:{' '}
+                <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                  {formatDate(data.startDate)}
+                </Text>
+              </Text>
+              <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+                Expiry date:{' '}
+                <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                  {formatDate(data.expiryDate)}
+                </Text>
+              </Text>
+              <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+                Next premium due:{' '}
+                <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                  {formatDate(data.nextPremiumDueDate)}
+                </Text>
+              </Text>
+              <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+                Nominee:{' '}
+                <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                  {data.nomineeName} ({data.nomineeRelationship})
+                </Text>
+              </Text>
+            </View>
+          </Card>
+
+          <Card style={styles.actionCard}>
+            <View style={styles.actionRow}>
+              <View style={styles.actionCol}>
+                <Button
+                  title="Pay Premium"
+                  onPress={() =>
+                    navigation.navigate('InsuranceRenewals', { policyId: data.id })
+                  }
+                />
+              </View>
+              <View style={styles.actionCol}>
+                <Button
+                  title="File Claim"
+                  variant="secondary"
+                  onPress={() =>
+                    navigation.navigate('InsuranceClaims', { policyId: data.id })
+                  }
+                />
+              </View>
+            </View>
+            <Button
+              title="Download Policy PDF"
+              variant="secondary"
+              onPress={() =>
+                toast(
+                  'Policy download ready',
+                  'success',
+                  `${data.documents[0]?.name ?? 'Policy schedule'} is ready from the secure vault.`,
+                )
+              }
+            />
+          </Card>
+
+          <Card style={styles.sectionCard}>
+            <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+              Benefits and inclusions
+            </Text>
+            {data.benefits.map((benefit) => (
+              <View key={benefit} style={styles.listRow}>
+                <Ionicons name="checkmark-circle" size={16} color={theme.colors.accent} />
+                <Text style={[styles.listText, { color: theme.colors.textPrimary }]}>
+                  {benefit}
+                </Text>
+              </View>
+            ))}
+            {data.inclusions.map((inclusion) => (
+              <View key={inclusion} style={styles.listRow}>
+                <Ionicons name="shield-checkmark" size={16} color={theme.colors.primary} />
+                <Text style={[styles.listText, { color: theme.colors.textPrimary }]}>
+                  {inclusion}
+                </Text>
+              </View>
+            ))}
+          </Card>
+
+          <Card style={styles.sectionCard}>
+            <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+              Exclusions
+            </Text>
+            {data.exclusions.map((exclusion) => (
+              <View key={exclusion} style={styles.listRow}>
+                <Ionicons name="close-circle" size={16} color={theme.colors.error} />
+                <Text style={[styles.listText, { color: theme.colors.textPrimary }]}>
+                  {exclusion}
+                </Text>
+              </View>
+            ))}
+          </Card>
+
+          <Card style={styles.sectionCard}>
+            <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+              Insurer details
+            </Text>
+            <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+              Claims ratio:{' '}
+              <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                {data.insurer.claimSettlementRatio}%
+              </Text>
+            </Text>
+            <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+              Support:{' '}
+              <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                {data.insurer.supportPhone}
+              </Text>
+            </Text>
+            <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+              Email:{' '}
+              <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                {data.insurer.supportEmail}
+              </Text>
+            </Text>
+            <Text style={[styles.infoRow, { color: theme.colors.textSecondary }]}>
+              Address:{' '}
+              <Text style={[styles.infoStrong, { color: theme.colors.textPrimary }]}>
+                {data.insurer.address}
+              </Text>
+            </Text>
+          </Card>
+
+          <Card style={styles.sectionCard}>
+            <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+              Policy documents
+            </Text>
+            {data.documents.map((document) => (
+              <Pressable
+                key={document.id}
+                onPress={() =>
+                  toast('Document available', 'info', `${document.name} is available in PDF.`)
+                }
+                style={[styles.documentRow, { backgroundColor: theme.colors.surfaceMuted }]}
+              >
+                <View style={styles.documentCopy}>
+                  <Text style={[styles.documentName, { color: theme.colors.textPrimary }]}>
+                    {document.name}
+                  </Text>
+                  <Text style={[styles.documentMeta, { color: theme.colors.textMuted }]}>
+                    {document.mimeType} · {document.sizeKb} KB
+                  </Text>
+                </View>
+                <Ionicons name="download-outline" size={18} color={theme.colors.primary} />
+              </Pressable>
+            ))}
+          </Card>
+        </ScrollView>
+      )}
+    <View style={{ height: theme.spacing.xxl }} />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  scroll: {
+    gap: 16,
+    paddingBottom: 32,
+  },
+  heroCard: {
+    gap: 14,
+  },
+  heroHeader: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    gap: 12,
+  },
+  heroCopy: {
+    flex: 1,
+    gap: 2,
+  },
+  heroTitle: {
+    fontSize: 18,
+    fontWeight: '800',
+  },
+  heroMeta: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  metricGrid: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  metricCard: {
+    flex: 1,
+    borderRadius: 16,
+    padding: 14,
+    gap: 4,
+  },
+  metricLabel: {
+    fontSize: 11,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.5,
+  },
+  metricValue: {
+    fontSize: 18,
+    fontWeight: '900',
+  },
+  metricCaption: {
+    fontSize: 11,
+    fontWeight: '600',
+  },
+  infoList: {
+    gap: 6,
+  },
+  infoRow: {
+    fontSize: 12,
+    lineHeight: 18,
+  },
+  infoStrong: {
+    fontWeight: '700',
+  },
+  actionCard: {
+    gap: 12,
+  },
+  actionRow: {
+    flexDirection: 'row',
+    gap: 12,
+  },
+  actionCol: {
+    flex: 1,
+  },
+  sectionCard: {
+    gap: 10,
+  },
+  sectionTitle: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  listRow: {
+    flexDirection: 'row',
+    alignItems: 'flex-start',
+    gap: 8,
+  },
+  listText: {
+    flex: 1,
+    fontSize: 12,
+    lineHeight: 18,
+    fontWeight: '600',
+  },
+  documentRow: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    justifyContent: 'space-between',
+    borderRadius: 14,
+    padding: 12,
+  },
+  documentCopy: {
+    flex: 1,
+    gap: 3,
+  },
+  documentName: {
+    fontSize: 14,
+    fontWeight: '700',
+  },
+  documentMeta: {
+    fontSize: 11,
+    fontWeight: '600',
+  },
+});

src/modules/insurance/screens/InsuranceRenewalsScreen.tsx

@@ -0,0 +1,297 @@
+import React, { useEffect, useMemo, useState } from 'react';
+import {
+  FlatList,
+  RefreshControl,
+  StyleSheet,
+  Text,
+  View,
+} from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+
+import { Button, Card, EmptyState, Loader, ScreenShell } from '../../../components';
+import { ToggleSwitch } from '../../cards/components/ToggleSwitch';
+import { useToast } from '../../../hooks/useToast';
+import type { InsuranceStackParamList } from '../../../navigation/types';
+import { useTheme } from '../../../theme';
+import { formatCurrency, formatDate } from '../../../utils/formatters';
+import { InsuranceOtpModal } from '../components/InsuranceOtpModal';
+import { InsurancePaymentMethodTile } from '../components/InsurancePaymentMethodTile';
+import { InsuranceStatusPill } from '../components/InsuranceStatusPill';
+import {
+  useGetInsurancePremiumDuesQuery,
+  usePayInsurancePremiumMutation,
+  useRequestInsuranceOtpMutation,
+  useToggleInsurancePolicyAutoRenewMutation,
+} from '../services/insuranceApi';
+import type { InsurancePaymentMethod, InsurancePremiumDue } from '../types';
+import { validateInsuranceOtp } from '../utils/insuranceValidation';
+
+type Props = NativeStackScreenProps<InsuranceStackParamList, 'InsuranceRenewals'>;
+
+export default function InsuranceRenewalsScreen({ route }: Props) {
+  const theme = useTheme();
+  const toast = useToast();
+  const { data, isLoading, isError, refetch, isFetching } = useGetInsurancePremiumDuesQuery();
+  const [toggleAutoRenew] = useToggleInsurancePolicyAutoRenewMutation();
+  const [requestOtp, requestOtpState] = useRequestInsuranceOtpMutation();
+  const [payPremium, payPremiumState] = usePayInsurancePremiumMutation();
+  const [selectedDueId, setSelectedDueId] = useState<string | null>(route.params?.policyId ?? null);
+  const [paymentMethod, setPaymentMethod] = useState<InsurancePaymentMethod>('UPI');
+  const [otp, setOtp] = useState('');
+  const [otpError, setOtpError] = useState<string | undefined>();
+  const [otpVisible, setOtpVisible] = useState(false);
+  const [mockCodeHint, setMockCodeHint] = useState<string | undefined>();
+
+  useEffect(() => {
+    if (route.params?.policyId) {
+      setSelectedDueId(route.params.policyId);
+    }
+  }, [route.params?.policyId]);
+
+  const filteredDues = useMemo(() => {
+    if (!route.params?.policyId) {
+      return data ?? [];
+    }
+
+    return (data ?? []).filter((due) => due.policyId === route.params?.policyId);
+  }, [data, route.params?.policyId]);
+
+  const selectedDue = filteredDues.find((due) => due.policyId === selectedDueId) ?? null;
+
+  const handleToggleAutoRenew = async (due: InsurancePremiumDue, enabled: boolean) => {
+    const result = await toggleAutoRenew({ policyId: due.policyId, enabled });
+
+    if ('data' in result && result.data) {
+      toast(
+        enabled ? 'Auto-renew enabled' : 'Auto-renew disabled',
+        'success',
+        `${due.planName} has been updated.`,
+      );
+    } else {
+      toast('Unable to update auto-renew', 'error', 'Please try again.');
+    }
+  };
+
+  const handleRequestOtp = async () => {
+    if (!selectedDue) {
+      toast('Select a premium', 'info', 'Choose a due premium to continue.');
+      return;
+    }
+
+    const result = await requestOtp({ action: 'payment', policyId: selectedDue.policyId });
+
+    if ('data' in result && result.data) {
+      setMockCodeHint(result.data.mockCodeHint);
+      setOtpVisible(true);
+      setOtpError(undefined);
+      return;
+    }
+
+    toast('Unable to send OTP', 'error', 'Please try again.');
+  };
+
+  const handleConfirmPayment = async () => {
+    if (!selectedDue) {
+      return;
+    }
+
+    const error = validateInsuranceOtp(otp);
+
+    if (error) {
+      setOtpError(error);
+      return;
+    }
+
+    const result = await payPremium({
+      policyId: selectedDue.policyId,
+      amount: selectedDue.amount,
+      method: paymentMethod,
+      otp,
+    });
+
+    if ('data' in result && result.data) {
+      setOtpVisible(false);
+      setOtp('');
+      setOtpError(undefined);
+      toast(
+        'Premium paid',
+        'success',
+        `Next premium due on ${formatDate(result.data.nextDueDate)}.`,
+      );
+      return;
+    }
+
+    setOtpError('OTP verification failed. Please try again.');
+  };
+
+  return (
+    <ScreenShell title="Renewals" subtitle="Pay premiums and manage auto-renew">
+      <FlatList
+        data={filteredDues}
+        keyExtractor={(item) => item.id}
+        contentContainerStyle={styles.listContent}
+        showsVerticalScrollIndicator={false}
+        refreshControl={
+          <RefreshControl
+            refreshing={isFetching}
+            onRefresh={refetch}
+            tintColor={theme.colors.primary}
+            colors={[theme.colors.primary]}
+          />
+        }
+        ListHeaderComponent={
+          selectedDue ? (
+            <Card style={styles.paymentCard}>
+              <Text style={[styles.sectionTitle, { color: theme.colors.textPrimary }]}>
+                Payment method
+              </Text>
+              <InsurancePaymentMethodTile
+                method="UPI"
+                selected={paymentMethod === 'UPI'}
+                onPress={() => setPaymentMethod('UPI')}
+              />
+              <InsurancePaymentMethodTile
+                method="Net Banking"
+                selected={paymentMethod === 'Net Banking'}
+                onPress={() => setPaymentMethod('Net Banking')}
+              />
+              <InsurancePaymentMethodTile
+                method="Card"
+                selected={paymentMethod === 'Card'}
+                onPress={() => setPaymentMethod('Card')}
+              />
+              <Button
+                title="Request OTP"
+                onPress={() => void handleRequestOtp()}
+                loading={requestOtpState.isLoading}
+              />
+            </Card>
+          ) : null
+        }
+        renderItem={({ item }) => (
+          <Card style={styles.dueCard}>
+            <View style={styles.cardHeader}>
+              <View style={styles.cardCopy}>
+                <Text style={[styles.planTitle, { color: theme.colors.textPrimary }]}>
+                  {item.planName}
+                </Text>
+                <Text style={[styles.planMeta, { color: theme.colors.textSecondary }]}>
+                  {item.policyNumber} · Due {formatDate(item.dueDate)}
+                </Text>
+              </View>
+              <InsuranceStatusPill status={item.lateFee ? 'Grace Period' : 'Renewal Due'} />
+            </View>
+            <View style={styles.metricRow}>
+              <Text style={[styles.metricLabel, { color: theme.colors.textMuted }]}>Amount</Text>
+              <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+                {formatCurrency(item.amount)}
+              </Text>
+            </View>
+            <View style={styles.metricRow}>
+              <Text style={[styles.metricLabel, { color: theme.colors.textMuted }]}>Late fee</Text>
+              <Text style={[styles.metricValue, { color: theme.colors.textPrimary }]}>
+                {formatCurrency(item.lateFee)}
+              </Text>
+            </View>
+            <ToggleSwitch
+              label="Auto-renew"
+              description="Automatically renew this policy on the due date."
+              value={item.autoRenewEnabled}
+              onValueChange={(value) => {
+                void handleToggleAutoRenew(item, value);
+              }}
+            />
+            <Button
+              title={selectedDueId === item.policyId ? 'Selected for payment' : 'Pay this premium'}
+              variant={selectedDueId === item.policyId ? 'secondary' : 'primary'}
+              onPress={() => setSelectedDueId(item.policyId)}
+            />
+          </Card>
+        )}
+        ItemSeparatorComponent={() => <View style={styles.separator} />}
+        ListEmptyComponent={
+          isLoading ? (
+            <Card>
+              <Loader />
+            </Card>
+          ) : isError ? (
+            <EmptyState
+              title="Unable to load due premiums"
+              description="Refresh and try again."
+              actionLabel="Retry"
+              onAction={refetch}
+            />
+          ) : (
+            <EmptyState
+              title="No premiums due"
+              description="Your upcoming premium reminders will appear here."
+            />
+          )
+        }
+      />
+
+      <InsuranceOtpModal
+        visible={otpVisible}
+        title="Verify Premium Payment"
+        description="Enter the OTP sent to your registered mobile number to authorize this premium payment."
+        otp={otp}
+        onOtpChange={setOtp}
+        onClose={() => setOtpVisible(false)}
+        onConfirm={() => void handleConfirmPayment()}
+        loading={payPremiumState.isLoading}
+        error={otpError}
+        mockCodeHint={mockCodeHint}
+      />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  listContent: {
+    paddingBottom: 70,
+  },
+  paymentCard: {
+    gap: 12,
+    marginBottom: 16,
+  },
+  sectionTitle: {
+    fontSize: 16,
+    fontWeight: '800',
+  },
+  dueCard: {
+    gap: 12,
+  },
+  cardHeader: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    gap: 12,
+  },
+  cardCopy: {
+    flex: 1,
+    gap: 2,
+  },
+  planTitle: {
+    fontSize: 15,
+    fontWeight: '800',
+  },
+  planMeta: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  metricRow: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    alignItems: 'center',
+  },
+  metricLabel: {
+    fontSize: 12,
+    fontWeight: '600',
+  },
+  metricValue: {
+    fontSize: 14,
+    fontWeight: '800',
+  },
+  separator: {
+    height: 12,
+  },
+});

src/modules/insurance/services/insuranceApi.ts

@@ -0,0 +1,314 @@
+import { appConfig } from '../../../config/appConfig';
+import { apiClient } from '../../../services/api/apiClient';
+import { baseApi } from '../../../services/api/baseApi';
+import { endpoints } from '../../../services/api/endpoints';
+import { toApiError } from '../../../services/api/serviceHelpers';
+import { sleep } from '../../../utils/async';
+import type {
+  InsuranceCalculatorEstimate,
+  InsuranceCalculatorInput,
+  InsuranceClaim,
+  InsuranceDashboardPayload,
+  InsuranceDocument,
+  InsuranceNotification,
+  InsuranceOtpSession,
+  InsurancePlan,
+  InsurancePolicy,
+  InsurancePremiumDue,
+  PayInsurancePremiumPayload,
+  PayInsurancePremiumResult,
+  PurchaseInsurancePayload,
+  PurchaseInsuranceResult,
+  RequestInsuranceOtpPayload,
+  SubmitInsuranceClaimPayload,
+  SubmitInsuranceClaimResult,
+  UploadInsuranceDocumentPayload,
+} from '../types';
+import {
+  compareInsurancePlans,
+  getInsuranceDashboard,
+  getInsurancePolicyDetail,
+  listInsuranceClaims,
+  listInsuranceDocuments,
+  listInsuranceNotifications,
+  listInsurancePlans,
+  listInsurancePolicies,
+  markInsuranceNotificationRead,
+  payInsurancePremium,
+  purchaseInsurancePolicy,
+  requestInsuranceOtp,
+  seedInsurancePlans as seedInsurancePlanCatalog,
+  submitInsuranceClaim,
+  toggleInsurancePolicyAutoRenew,
+  uploadInsuranceDocument,
+} from './mockInsuranceData';
+import { estimateInsurancePremium } from '../utils/insuranceMath';
+
+const handleMock = async <T>(factory: () => T, delayMs = 320) => {
+  await sleep(delayMs);
+
+  try {
+    return { data: factory() };
+  } catch (error) {
+    return { error: toApiError(error) };
+  }
+};
+
+const handleRequest = async <T>(request: () => Promise<T>) => {
+  try {
+    return { data: await request() };
+  } catch (error) {
+    return { error: toApiError(error) };
+  }
+};
+
+export { seedInsurancePlanCatalog };
+
+export const insuranceApi = baseApi.injectEndpoints({
+  endpoints: (builder) => ({
+    getInsuranceDashboard: builder.query<InsuranceDashboardPayload, void>({
+      queryFn: async () =>
+        appConfig.features.useMockServer
+          ? handleMock(() => getInsuranceDashboard())
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsuranceDashboardPayload>(
+                endpoints.insurance.dashboard,
+              );
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    getInsurancePlans: builder.query<InsurancePlan[], { category?: string } | void>({
+      queryFn: async (args) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => listInsurancePlans(args?.category as never))
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsurancePlan[]>(endpoints.insurance.plans, {
+                params: args?.category ? { category: args.category } : undefined,
+              });
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    compareInsurancePlans: builder.query<InsurancePlan[], string[]>({
+      queryFn: async (planIds) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => compareInsurancePlans(planIds))
+          : handleRequest(async () => {
+              const response = await apiClient.post<InsurancePlan[]>(
+                endpoints.insurance.comparePlans,
+                { planIds },
+              );
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    estimateInsurancePremium: builder.query<InsuranceCalculatorEstimate, InsuranceCalculatorInput>({
+      queryFn: async (input) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => estimateInsurancePremium(input), 150)
+          : handleRequest(async () => {
+              const response = await apiClient.post<InsuranceCalculatorEstimate>(
+                endpoints.insurance.calculator,
+                input,
+              );
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    getInsurancePolicies: builder.query<InsurancePolicy[], void>({
+      queryFn: async () =>
+        appConfig.features.useMockServer
+          ? handleMock(() => listInsurancePolicies())
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsurancePolicy[]>(endpoints.insurance.policies);
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    getInsurancePolicyDetail: builder.query<InsurancePolicy, string>({
+      queryFn: async (policyId) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => getInsurancePolicyDetail(policyId))
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsurancePolicy>(
+                endpoints.insurance.policyDetail(policyId),
+              );
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    getInsurancePremiumDues: builder.query<InsurancePremiumDue[], void>({
+      queryFn: async () =>
+        appConfig.features.useMockServer
+          ? handleMock(() => getInsuranceDashboard().duePremiums)
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsurancePremiumDue[]>(
+                endpoints.insurance.premiumDues,
+              );
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    requestInsuranceOtp: builder.mutation<InsuranceOtpSession, RequestInsuranceOtpPayload>({
+      queryFn: async (payload) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => requestInsuranceOtp(payload), 220)
+          : handleRequest(async () => {
+              const response = await apiClient.post<InsuranceOtpSession>(
+                endpoints.insurance.otp,
+                payload,
+              );
+              return response.data;
+            }),
+    }),
+    purchaseInsurancePolicy: builder.mutation<PurchaseInsuranceResult, PurchaseInsurancePayload>({
+      queryFn: async (payload) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => purchaseInsurancePolicy(payload), 700)
+          : handleRequest(async () => {
+              const response = await apiClient.post<PurchaseInsuranceResult>(
+                endpoints.insurance.purchase,
+                payload,
+              );
+              return response.data;
+            }),
+      invalidatesTags: ['Insurance'],
+    }),
+    payInsurancePremium: builder.mutation<PayInsurancePremiumResult, PayInsurancePremiumPayload>({
+      queryFn: async (payload) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => payInsurancePremium(payload), 650)
+          : handleRequest(async () => {
+              const response = await apiClient.post<PayInsurancePremiumResult>(
+                endpoints.insurance.payPremium,
+                payload,
+              );
+              return response.data;
+            }),
+      invalidatesTags: ['Insurance'],
+    }),
+    toggleInsurancePolicyAutoRenew: builder.mutation<
+      InsurancePolicy,
+      { policyId: string; enabled: boolean }
+    >({
+      queryFn: async (payload) =>
+        appConfig.features.useMockServer
+          ? handleMock(
+              () => toggleInsurancePolicyAutoRenew(payload.policyId, payload.enabled),
+              180,
+            )
+          : handleRequest(async () => {
+              const response = await apiClient.patch<InsurancePolicy>(
+                endpoints.insurance.autoRenew(payload.policyId),
+                { enabled: payload.enabled },
+              );
+              return response.data;
+            }),
+      invalidatesTags: ['Insurance'],
+    }),
+    getInsuranceClaims: builder.query<InsuranceClaim[], { policyId?: string } | void>({
+      queryFn: async (args) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => listInsuranceClaims(args?.policyId))
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsuranceClaim[]>(endpoints.insurance.claims, {
+                params: args?.policyId ? { policyId: args.policyId } : undefined,
+              });
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    submitInsuranceClaim: builder.mutation<
+      SubmitInsuranceClaimResult,
+      SubmitInsuranceClaimPayload
+    >({
+      queryFn: async (payload) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => submitInsuranceClaim(payload), 680)
+          : handleRequest(async () => {
+              const response = await apiClient.post<SubmitInsuranceClaimResult>(
+                endpoints.insurance.submitClaim,
+                payload,
+              );
+              return response.data;
+            }),
+      invalidatesTags: ['Insurance'],
+    }),
+    getInsuranceDocuments: builder.query<
+      InsuranceDocument[],
+      { category?: 'kyc' | 'claim' } | void
+    >({
+      queryFn: async (args) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => listInsuranceDocuments(args?.category))
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsuranceDocument[]>(
+                endpoints.insurance.documents,
+                {
+                  params: args?.category ? { category: args.category } : undefined,
+                },
+              );
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    uploadInsuranceDocument: builder.mutation<InsuranceDocument, UploadInsuranceDocumentPayload>({
+      queryFn: async (payload) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => uploadInsuranceDocument(payload), 420)
+          : handleRequest(async () => {
+              const response = await apiClient.post<InsuranceDocument>(
+                endpoints.insurance.uploadDocument,
+                payload,
+              );
+              return response.data;
+            }),
+      invalidatesTags: ['Insurance'],
+    }),
+    getInsuranceNotifications: builder.query<InsuranceNotification[], void>({
+      queryFn: async () =>
+        appConfig.features.useMockServer
+          ? handleMock(() => listInsuranceNotifications(), 180)
+          : handleRequest(async () => {
+              const response = await apiClient.get<InsuranceNotification[]>(
+                endpoints.insurance.notifications,
+              );
+              return response.data;
+            }),
+      providesTags: ['Insurance'],
+    }),
+    markInsuranceNotificationRead: builder.mutation<{ success: boolean }, string>({
+      queryFn: async (notificationId) =>
+        appConfig.features.useMockServer
+          ? handleMock(() => markInsuranceNotificationRead(notificationId), 120)
+          : handleRequest(async () => {
+              const response = await apiClient.post<{ success: boolean }>(
+                endpoints.insurance.markNotificationRead(notificationId),
+              );
+              return response.data;
+            }),
+      invalidatesTags: ['Insurance'],
+    }),
+  }),
+});
+
+export const {
+  useCompareInsurancePlansQuery,
+  useEstimateInsurancePremiumQuery,
+  useGetInsuranceClaimsQuery,
+  useGetInsuranceDashboardQuery,
+  useGetInsuranceDocumentsQuery,
+  useGetInsuranceNotificationsQuery,
+  useGetInsurancePlansQuery,
+  useGetInsurancePoliciesQuery,
+  useGetInsurancePolicyDetailQuery,
+  useGetInsurancePremiumDuesQuery,
+  useMarkInsuranceNotificationReadMutation,
+  usePayInsurancePremiumMutation,
+  usePurchaseInsurancePolicyMutation,
+  useRequestInsuranceOtpMutation,
+  useSubmitInsuranceClaimMutation,
+  useToggleInsurancePolicyAutoRenewMutation,
+  useUploadInsuranceDocumentMutation,
+} = insuranceApi;

src/modules/insurance/services/mockInsuranceData.ts

@@ -0,0 +1,928 @@
+import type {
+  InsuranceCategory,
+  InsuranceClaim,
+  InsuranceDashboardPayload,
+  InsuranceDocument,
+  InsuranceInsurer,
+  InsuranceNotification,
+  InsuranceOtpSession,
+  InsurancePlan,
+  InsurancePolicy,
+  InsurancePremiumDue,
+  PayInsurancePremiumPayload,
+  PayInsurancePremiumResult,
+  PurchaseInsurancePayload,
+  PurchaseInsuranceResult,
+  RequestInsuranceOtpPayload,
+  SubmitInsuranceClaimPayload,
+  SubmitInsuranceClaimResult,
+  UploadInsuranceDocumentPayload,
+} from '../types';
+import {
+  addYears,
+  getEarliestPremiumDue,
+  getNextDateForFrequency,
+  getPolicyStatusFromDueDate,
+  getPolicyTotalCoverage,
+  getPremiumLateFee,
+} from '../utils/insuranceMath';
+
+const cloneValue = <T>(value: T): T => JSON.parse(JSON.stringify(value)) as T;
+
+const insurers: InsuranceInsurer[] = [
+  {
+    id: 'ins_guardian',
+    name: 'Guardian Health Assurance',
+    claimSettlementRatio: 96.4,
+    supportPhone: '1800-210-8899',
+    supportEmail: 'care@guardianhealth.co.in',
+    website: 'https://guardianhealth.example',
+    address: 'Koramangala 5th Block, Bengaluru',
+  },
+  {
+    id: 'ins_zenith',
+    name: 'Zenith Life Assurance',
+    claimSettlementRatio: 98.2,
+    supportPhone: '1800-450-2100',
+    supportEmail: 'support@zenithlife.co.in',
+    website: 'https://zenithlife.example',
+    address: 'BKC, Mumbai',
+  },
+  {
+    id: 'ins_drivesure',
+    name: 'DriveSure General Insurance',
+    claimSettlementRatio: 94.9,
+    supportPhone: '1800-120-7788',
+    supportEmail: 'claims@drivesure.co.in',
+    website: 'https://drivesure.example',
+    address: 'Madhapur, Hyderabad',
+  },
+  {
+    id: 'ins_globetrot',
+    name: 'GlobeTrot Protect',
+    claimSettlementRatio: 93.6,
+    supportPhone: '1800-510-3344',
+    supportEmail: 'travel@globetrotprotect.co.in',
+    website: 'https://globetrotprotect.example',
+    address: 'Viman Nagar, Pune',
+  },
+  {
+    id: 'ins_safenest',
+    name: 'SafeNest General Insurance',
+    claimSettlementRatio: 95.1,
+    supportPhone: '1800-880-4455',
+    supportEmail: 'hello@safenest.co.in',
+    website: 'https://safenest.example',
+    address: 'T Nagar, Chennai',
+  },
+];
+
+const planCatalog: InsurancePlan[] = [
+  {
+    id: 'health_guard_plus',
+    category: 'Health Insurance',
+    insurerId: 'ins_guardian',
+    insurerName: 'Guardian Health Assurance',
+    name: 'Guardian Family Shield',
+    premium: 2140,
+    premiumFrequency: 'Monthly',
+    coverAmount: 1500000,
+    tenureYears: 1,
+    summary: 'Family floater plan with cashless hospitalization and annual wellness checks.',
+    benefits: ['Cashless hospitalization', 'No-claim bonus', 'Day-care coverage'],
+    inclusions: ['Room rent without cap', 'Annual preventive check-up', 'Ambulance cover'],
+    exclusions: ['Cosmetic procedures', 'Self-inflicted injuries', 'Waiting period ailments'],
+    claimSettlementRatio: 96.4,
+    waitingPeriodDays: 30,
+    recommendedFor: 'Young families seeking cashless hospitalization cover.',
+    addOns: ['Maternity add-on', 'Critical illness rider'],
+  },
+  {
+    id: 'health_elite_family',
+    category: 'Health Insurance',
+    insurerId: 'ins_guardian',
+    insurerName: 'Guardian Health Assurance',
+    name: 'Guardian Elite Care',
+    premium: 3560,
+    premiumFrequency: 'Monthly',
+    coverAmount: 2500000,
+    tenureYears: 1,
+    summary: 'Higher family cover with OPD benefits and annual wellness rewards.',
+    benefits: ['Global emergency support', 'OPD allowance', 'Restoration benefit'],
+    inclusions: ['Cashless hospital network', 'Second opinion', 'Tele-consult access'],
+    exclusions: ['Non-medical consumables', 'Experimental treatment'],
+    claimSettlementRatio: 96.4,
+    waitingPeriodDays: 15,
+    recommendedFor: 'Families wanting higher hospitalization cover and OPD support.',
+    addOns: ['Unlimited restoration', 'Room upgrade'],
+  },
+  {
+    id: 'life_secure_term',
+    category: 'Life Insurance',
+    insurerId: 'ins_zenith',
+    insurerName: 'Zenith Life Assurance',
+    name: 'Zenith Secure Term',
+    premium: 1890,
+    premiumFrequency: 'Monthly',
+    coverAmount: 10000000,
+    tenureYears: 20,
+    summary: 'Pure term cover with flexible payout and wellness-linked discounts.',
+    benefits: ['High sum assured', 'Terminal illness benefit', 'Payout flexibility'],
+    inclusions: ['Monthly income option', 'Accidental death rider option', 'Digital issuance'],
+    exclusions: ['Suicide within first year', 'Material misstatement'],
+    claimSettlementRatio: 98.2,
+    recommendedFor: 'Primary earners seeking long-duration family income protection.',
+    addOns: ['Waiver of premium', 'Accidental disability rider'],
+  },
+  {
+    id: 'life_income_shield',
+    category: 'Life Insurance',
+    insurerId: 'ins_zenith',
+    insurerName: 'Zenith Life Assurance',
+    name: 'Zenith Income Shield',
+    premium: 2750,
+    premiumFrequency: 'Monthly',
+    coverAmount: 15000000,
+    tenureYears: 25,
+    summary: 'Term protection with staggered monthly family income support.',
+    benefits: ['Monthly income payout', 'Return of premium option', 'Life-stage upgrades'],
+    inclusions: ['Instant policy issuance', 'Wellness discount'],
+    exclusions: ['Suicide exclusion clause', 'Fraudulent disclosure'],
+    claimSettlementRatio: 98.2,
+    recommendedFor: 'Households that prefer monthly income support for nominees.',
+    addOns: ['Critical illness', 'Child income support'],
+  },
+  {
+    id: 'motor_car_smart',
+    category: 'Motor Insurance',
+    insurerId: 'ins_drivesure',
+    insurerName: 'DriveSure General Insurance',
+    name: 'DriveSure Car Secure',
+    premium: 12450,
+    premiumFrequency: 'Yearly',
+    coverAmount: 800000,
+    tenureYears: 1,
+    summary: 'Comprehensive car cover with zero-depreciation and roadside assistance.',
+    benefits: ['Zero depreciation', 'Roadside assistance', 'Cashless garage network'],
+    inclusions: ['Own damage cover', 'Third-party liability', 'Engine protection'],
+    exclusions: ['Driving without license', 'Mechanical breakdown', 'War risks'],
+    claimSettlementRatio: 94.9,
+    deductibleAmount: 1000,
+    recommendedFor: 'Private car owners who want broad repair and liability cover.',
+    addOns: ['Consumables cover', 'Return to invoice'],
+  },
+  {
+    id: 'motor_bike_smart',
+    category: 'Motor Insurance',
+    insurerId: 'ins_drivesure',
+    insurerName: 'DriveSure General Insurance',
+    name: 'DriveSure Bike Protect',
+    premium: 4680,
+    premiumFrequency: 'Yearly',
+    coverAmount: 250000,
+    tenureYears: 1,
+    summary: 'Comprehensive bike cover with theft assistance and third-party protection.',
+    benefits: ['Theft assistance', 'Garage network', 'Personal accident cover'],
+    inclusions: ['Own damage cover', 'Third-party liability', '24x7 claims'],
+    exclusions: ['Driving under influence', 'Commercial misuse'],
+    claimSettlementRatio: 94.9,
+    deductibleAmount: 500,
+    recommendedFor: 'Bike owners seeking low-friction annual protection.',
+    addOns: ['Return to invoice', 'Roadside assistance'],
+  },
+  {
+    id: 'travel_global_trip',
+    category: 'Travel Insurance',
+    insurerId: 'ins_globetrot',
+    insurerName: 'GlobeTrot Protect',
+    name: 'Global Trip Shield',
+    premium: 1450,
+    premiumFrequency: 'Yearly',
+    coverAmount: 5000000,
+    tenureYears: 1,
+    summary: 'Multi-trip cover for medical emergencies, delays, and baggage loss.',
+    benefits: ['Medical emergency cover', 'Trip delay assistance', 'Baggage loss support'],
+    inclusions: ['Emergency evacuation', 'Passport loss cover', 'Adventure sports add-on'],
+    exclusions: ['High-risk countries', 'Pre-existing conditions', 'Illegal acts'],
+    claimSettlementRatio: 93.6,
+    recommendedFor: 'Frequent travellers who need annual international trip protection.',
+    addOns: ['Golf cover', 'Home burglary cover'],
+  },
+  {
+    id: 'travel_student_explore',
+    category: 'Travel Insurance',
+    insurerId: 'ins_globetrot',
+    insurerName: 'GlobeTrot Protect',
+    name: 'Student Explore',
+    premium: 980,
+    premiumFrequency: 'Yearly',
+    coverAmount: 2000000,
+    tenureYears: 1,
+    summary: 'Student travel cover for tuition emergencies and health incidents abroad.',
+    benefits: ['Sponsor protection', 'Study interruption cover', 'Medical emergencies'],
+    inclusions: ['Loss of baggage', 'Compassionate visit', 'Laptop cover'],
+    exclusions: ['Pre-existing ailments', 'Professional sports'],
+    claimSettlementRatio: 93.6,
+    recommendedFor: 'Students travelling overseas for study programs.',
+    addOns: ['Flight cancellation', 'Device cover'],
+  },
+  {
+    id: 'property_home_secure',
+    category: 'Property Insurance',
+    insurerId: 'ins_safenest',
+    insurerName: 'SafeNest General Insurance',
+    name: 'SafeNest Home Secure',
+    premium: 5920,
+    premiumFrequency: 'Yearly',
+    coverAmount: 4500000,
+    tenureYears: 1,
+    summary: 'Structure and contents protection with burglary and fire cover.',
+    benefits: ['Structure protection', 'Contents cover', 'Burglary assistance'],
+    inclusions: ['Fire and allied perils', 'Natural calamity cover', 'Electrical equipment cover'],
+    exclusions: ['Wear and tear', 'Intentional damage', 'Vacant property losses'],
+    claimSettlementRatio: 95.1,
+    deductibleAmount: 2500,
+    recommendedFor: 'Homeowners safeguarding structure and interior contents.',
+    addOns: ['Jewellery cover', 'Tenant liability'],
+  },
+  {
+    id: 'property_landlord_plus',
+    category: 'Property Insurance',
+    insurerId: 'ins_safenest',
+    insurerName: 'SafeNest General Insurance',
+    name: 'SafeNest Landlord Plus',
+    premium: 7380,
+    premiumFrequency: 'Yearly',
+    coverAmount: 7000000,
+    tenureYears: 1,
+    summary: 'Landlord-friendly cover with rental income disruption and liability support.',
+    benefits: ['Rental disruption cover', 'Liability cover', 'Burglary support'],
+    inclusions: ['Fire cover', 'Flood cover', 'Owner liability'],
+    exclusions: ['Tenant negligence without evidence', 'Construction defects'],
+    claimSettlementRatio: 95.1,
+    deductibleAmount: 3500,
+    recommendedFor: 'Landlords with higher-value rental properties.',
+    addOns: ['Loss of rent', 'Glass breakage'],
+  },
+];
+
+const policySeed: InsurancePolicy[] = [
+  {
+    id: 'policy_health_001',
+    planId: 'health_guard_plus',
+    planName: 'Guardian Family Shield',
+    category: 'Health Insurance',
+    insurer: insurers[0]!,
+    policyNumber: 'HLT-2026-441208',
+    insuredName: 'Aarav Sharma',
+    premiumAmount: 2140,
+    premiumFrequency: 'Monthly',
+    coverageAmount: 1500000,
+    status: 'Active',
+    startDate: '2026-01-03T00:00:00.000Z',
+    expiryDate: '2027-01-02T00:00:00.000Z',
+    nextPremiumDueDate: '2026-05-02T00:00:00.000Z',
+    benefits: ['Cashless hospitalization', 'No-claim bonus', 'Day-care coverage'],
+    inclusions: ['Room rent without cap', 'Annual preventive check-up', 'Ambulance cover'],
+    exclusions: ['Cosmetic procedures', 'Self-inflicted injuries', 'Waiting period ailments'],
+    nomineeName: 'Megha Sharma',
+    nomineeRelationship: 'Spouse',
+    autoRenewEnabled: true,
+    membersCovered: 3,
+    healthDetails: {
+      familyMembers: 3,
+      medicalHistory: 'None',
+      smoker: 'No',
+    },
+    documents: [
+      {
+        id: 'policy_doc_health_001',
+        name: 'Policy Schedule',
+        mimeType: 'application/pdf',
+        uploadedAt: '2026-01-03T09:00:00.000Z',
+        url: 'https://mock.bankcbs.dev/insurance/policies/HLT-2026-441208.pdf',
+        sizeKb: 612,
+      },
+    ],
+  },
+  {
+    id: 'policy_motor_001',
+    planId: 'motor_car_smart',
+    planName: 'DriveSure Car Secure',
+    category: 'Motor Insurance',
+    insurer: insurers[2]!,
+    policyNumber: 'MTR-2025-778231',
+    insuredName: 'Aarav Sharma',
+    premiumAmount: 12450,
+    premiumFrequency: 'Yearly',
+    coverageAmount: 800000,
+    status: 'Renewal Due',
+    startDate: '2025-04-28T00:00:00.000Z',
+    expiryDate: '2026-04-27T00:00:00.000Z',
+    nextPremiumDueDate: '2026-04-27T00:00:00.000Z',
+    benefits: ['Zero depreciation', 'Roadside assistance', 'Cashless garage network'],
+    inclusions: ['Own damage cover', 'Third-party liability', 'Engine protection'],
+    exclusions: ['Driving without license', 'Mechanical breakdown', 'War risks'],
+    nomineeName: 'Megha Sharma',
+    nomineeRelationship: 'Spouse',
+    autoRenewEnabled: false,
+    membersCovered: 1,
+    deductibleAmount: 1000,
+    vehicleDetails: {
+      vehicleType: 'Car',
+      makeModel: 'Honda City ZX',
+      registrationNumber: 'KA01MN4421',
+      registrationYear: '2023',
+    },
+    documents: [
+      {
+        id: 'policy_doc_motor_001',
+        name: 'Policy Schedule',
+        mimeType: 'application/pdf',
+        uploadedAt: '2025-04-28T10:15:00.000Z',
+        url: 'https://mock.bankcbs.dev/insurance/policies/MTR-2025-778231.pdf',
+        sizeKb: 544,
+      },
+    ],
+  },
+  {
+    id: 'policy_life_001',
+    planId: 'life_secure_term',
+    planName: 'Zenith Secure Term',
+    category: 'Life Insurance',
+    insurer: insurers[1]!,
+    policyNumber: 'LIF-2025-125504',
+    insuredName: 'Aarav Sharma',
+    premiumAmount: 1890,
+    premiumFrequency: 'Monthly',
+    coverageAmount: 10000000,
+    status: 'Active',
+    startDate: '2025-09-18T00:00:00.000Z',
+    expiryDate: '2045-09-17T00:00:00.000Z',
+    nextPremiumDueDate: '2026-04-18T00:00:00.000Z',
+    benefits: ['High sum assured', 'Terminal illness benefit', 'Payout flexibility'],
+    inclusions: ['Monthly income option', 'Accidental death rider option', 'Digital issuance'],
+    exclusions: ['Suicide within first year', 'Material misstatement'],
+    nomineeName: 'Megha Sharma',
+    nomineeRelationship: 'Spouse',
+    autoRenewEnabled: true,
+    membersCovered: 1,
+    lifeDetails: {
+      annualIncome: 1800000,
+      occupation: 'Product Manager',
+      smoker: 'No',
+    },
+    documents: [
+      {
+        id: 'policy_doc_life_001',
+        name: 'Policy Certificate',
+        mimeType: 'application/pdf',
+        uploadedAt: '2025-09-18T08:45:00.000Z',
+        url: 'https://mock.bankcbs.dev/insurance/policies/LIF-2025-125504.pdf',
+        sizeKb: 488,
+      },
+    ],
+  },
+];
+
+const documentSeed: InsuranceDocument[] = [
+  {
+    id: 'ins_doc_kyc_001',
+    name: 'Aadhaar Card',
+    type: 'Aadhaar',
+    category: 'kyc',
+    status: 'verified',
+    uploadedAt: '2026-01-02T07:40:00.000Z',
+    mimeType: 'application/pdf',
+    url: 'https://mock.bankcbs.dev/insurance/documents/aadhaar.pdf',
+    sizeKb: 214,
+  },
+  {
+    id: 'ins_doc_kyc_002',
+    name: 'PAN Card',
+    type: 'PAN',
+    category: 'kyc',
+    status: 'verified',
+    uploadedAt: '2026-01-02T07:41:00.000Z',
+    mimeType: 'image/jpeg',
+    url: 'https://mock.bankcbs.dev/insurance/documents/pan.jpg',
+    sizeKb: 188,
+  },
+  {
+    id: 'ins_doc_claim_001',
+    name: 'Hospital Bill',
+    type: 'Invoice',
+    category: 'claim',
+    status: 'uploaded',
+    uploadedAt: '2026-04-07T12:15:00.000Z',
+    mimeType: 'application/pdf',
+    url: 'https://mock.bankcbs.dev/insurance/documents/hospital_bill.pdf',
+    sizeKb: 742,
+    linkedClaimId: 'claim_health_001',
+  },
+  {
+    id: 'ins_doc_claim_002',
+    name: 'Discharge Summary',
+    type: 'Medical Report',
+    category: 'claim',
+    status: 'uploaded',
+    uploadedAt: '2026-04-07T12:20:00.000Z',
+    mimeType: 'application/pdf',
+    url: 'https://mock.bankcbs.dev/insurance/documents/discharge_summary.pdf',
+    sizeKb: 580,
+    linkedClaimId: 'claim_health_001',
+  },
+  {
+    id: 'ins_doc_claim_003',
+    name: 'Workshop Invoice',
+    type: 'Invoice',
+    category: 'claim',
+    status: 'verified',
+    uploadedAt: '2026-01-21T14:20:00.000Z',
+    mimeType: 'application/pdf',
+    url: 'https://mock.bankcbs.dev/insurance/documents/workshop_invoice.pdf',
+    sizeKb: 436,
+    linkedClaimId: 'claim_motor_001',
+  },
+];
+
+const claimSeed: InsuranceClaim[] = [
+  {
+    id: 'claim_health_001',
+    claimNumber: 'CLM-H-2026-0931',
+    policyId: 'policy_health_001',
+    policyNumber: 'HLT-2026-441208',
+    policyName: 'Guardian Family Shield',
+    category: 'Health Insurance',
+    reason: 'Hospitalization due to dengue',
+    eventDate: '2026-04-05T00:00:00.000Z',
+    amount: 85000,
+    status: 'Under Review',
+    createdAt: '2026-04-07T11:55:00.000Z',
+    updatedAt: '2026-04-09T10:20:00.000Z',
+    notes: 'Cashless request received. Hospital estimate and discharge papers under review.',
+    documents: documentSeed.filter((item) => item.linkedClaimId === 'claim_health_001'),
+  },
+  {
+    id: 'claim_motor_001',
+    claimNumber: 'CLM-M-2026-0107',
+    policyId: 'policy_motor_001',
+    policyNumber: 'MTR-2025-778231',
+    policyName: 'DriveSure Car Secure',
+    category: 'Motor Insurance',
+    reason: 'Rear bumper repair after low-speed collision',
+    eventDate: '2026-01-18T00:00:00.000Z',
+    amount: 32000,
+    status: 'Settled',
+    createdAt: '2026-01-19T09:10:00.000Z',
+    updatedAt: '2026-01-24T16:10:00.000Z',
+    notes: 'Claim settled to partnered cashless garage.',
+    documents: documentSeed.filter((item) => item.linkedClaimId === 'claim_motor_001'),
+  },
+];
+
+const notificationSeed: InsuranceNotification[] = [
+  {
+    id: 'ins_notif_001',
+    type: 'premium_due',
+    title: 'Premium due in 5 days',
+    body: 'Zenith Secure Term premium of Rs 1,890 is due on 18 Apr 2026.',
+    createdAt: '2026-04-13T06:00:00.000Z',
+    read: false,
+    policyId: 'policy_life_001',
+  },
+  {
+    id: 'ins_notif_002',
+    type: 'policy_expiry',
+    title: 'Motor policy expires soon',
+    body: 'DriveSure Car Secure expires on 27 Apr 2026. Renew to avoid a break in cover.',
+    createdAt: '2026-04-12T10:10:00.000Z',
+    read: false,
+    policyId: 'policy_motor_001',
+  },
+  {
+    id: 'ins_notif_003',
+    type: 'claim_update',
+    title: 'Claim moved to review',
+    body: 'Your health claim CLM-H-2026-0931 is now under review.',
+    createdAt: '2026-04-09T10:20:00.000Z',
+    read: true,
+    claimId: 'claim_health_001',
+    policyId: 'policy_health_001',
+  },
+  {
+    id: 'ins_notif_004',
+    type: 'offer',
+    title: 'Upgrade with critical illness rider',
+    body: 'You can add a critical illness rider to your life cover in under two minutes.',
+    createdAt: '2026-04-08T07:45:00.000Z',
+    read: true,
+    policyId: 'policy_life_001',
+  },
+];
+
+let mockPlans = cloneValue(planCatalog);
+let mockPolicies = cloneValue(policySeed);
+let mockDocuments = cloneValue(documentSeed);
+let mockClaims = cloneValue(claimSeed);
+let mockNotifications = cloneValue(notificationSeed);
+
+const findInsurer = (id: string) => insurers.find((insurer) => insurer.id === id) ?? insurers[0]!;
+
+const getPolicyDocuments = (policyNumber: string): InsurancePolicy['documents'] => [
+  {
+    id: `policy_doc_${policyNumber}`,
+    name: 'Policy Schedule',
+    mimeType: 'application/pdf',
+    uploadedAt: new Date().toISOString(),
+    url: `https://mock.bankcbs.dev/insurance/policies/${policyNumber}.pdf`,
+    sizeKb: 624,
+  },
+];
+
+const withStatus = (policy: InsurancePolicy): InsurancePolicy => ({
+  ...policy,
+  status: getPolicyStatusFromDueDate(policy.nextPremiumDueDate, policy.expiryDate),
+});
+
+const getPremiumDues = (): InsurancePremiumDue[] =>
+  mockPolicies
+    .map((policy) => ({
+      id: `due_${policy.id}`,
+      policyId: policy.id,
+      planName: policy.planName,
+      policyNumber: policy.policyNumber,
+      amount: policy.premiumAmount + getPremiumLateFee(policy.nextPremiumDueDate, policy.premiumAmount),
+      dueDate: policy.nextPremiumDueDate,
+      frequency: policy.premiumFrequency,
+      lateFee: getPremiumLateFee(policy.nextPremiumDueDate, policy.premiumAmount),
+      autoRenewEnabled: policy.autoRenewEnabled,
+    }))
+    .sort(
+      (left, right) => new Date(left.dueDate).getTime() - new Date(right.dueDate).getTime(),
+    );
+
+const buildDashboard = (): InsuranceDashboardPayload => {
+  const policies = mockPolicies.map(withStatus);
+  const duePremiums = getPremiumDues();
+
+  return {
+    policies,
+    totalCoverageAmount: getPolicyTotalCoverage(
+      policies.filter((policy) => policy.status !== 'Expired'),
+    ),
+    activePoliciesCount: policies.filter((policy) => policy.status !== 'Expired').length,
+    duePremiums,
+    upcomingPremium: getEarliestPremiumDue(duePremiums),
+    recentClaims: [...mockClaims]
+      .sort(
+        (left, right) =>
+          new Date(right.updatedAt).getTime() - new Date(left.updatedAt).getTime(),
+      )
+      .slice(0, 3)
+      .map((claim) => ({ ...claim, documents: cloneValue(claim.documents) })),
+    notifications: [...mockNotifications]
+      .sort(
+        (left, right) =>
+          new Date(right.createdAt).getTime() - new Date(left.createdAt).getTime(),
+      )
+      .slice(0, 4)
+      .map((item) => ({ ...item })),
+  };
+};
+
+export const seedInsurancePlans = () => cloneValue(planCatalog);
+
+export const listInsurancePlans = (category?: InsuranceCategory) =>
+  cloneValue(category ? mockPlans.filter((plan) => plan.category === category) : mockPlans);
+
+export const compareInsurancePlans = (planIds: string[]) =>
+  cloneValue(mockPlans.filter((plan) => planIds.includes(plan.id)));
+
+export const listInsurancePolicies = () =>
+  cloneValue(
+    mockPolicies
+      .map(withStatus)
+      .sort(
+        (left, right) =>
+          new Date(left.nextPremiumDueDate).getTime() - new Date(right.nextPremiumDueDate).getTime(),
+      ),
+  );
+
+export const getInsurancePolicyDetail = (policyId: string) => {
+  const policy = mockPolicies.find((item) => item.id === policyId);
+
+  if (!policy) {
+    throw new Error('Policy not found.');
+  }
+
+  return cloneValue(withStatus(policy));
+};
+
+export const getInsuranceDashboard = () => cloneValue(buildDashboard());
+
+export const listInsuranceClaims = (policyId?: string) =>
+  cloneValue(
+    (policyId ? mockClaims.filter((claim) => claim.policyId === policyId) : mockClaims).sort(
+      (left, right) =>
+        new Date(right.updatedAt).getTime() - new Date(left.updatedAt).getTime(),
+    ),
+  );
+
+export const listInsuranceDocuments = (category?: 'kyc' | 'claim') =>
+  cloneValue(category ? mockDocuments.filter((document) => document.category === category) : mockDocuments);
+
+export const listInsuranceNotifications = () =>
+  cloneValue(
+    [...mockNotifications].sort(
+      (left, right) =>
+        new Date(right.createdAt).getTime() - new Date(left.createdAt).getTime(),
+    ),
+  );
+
+export const requestInsuranceOtp = (
+  payload: RequestInsuranceOtpPayload,
+): InsuranceOtpSession => ({
+  referenceId: `${payload.action.toUpperCase()}_${Date.now()}`,
+  destinationMask: '+91 98*** 3210',
+  mockCodeHint: '123456',
+});
+
+const assertOtp = (otp: string) => {
+  if (otp !== '123456') {
+    throw new Error('The OTP you entered is invalid.');
+  }
+};
+
+export const purchaseInsurancePolicy = (
+  payload: PurchaseInsurancePayload,
+): PurchaseInsuranceResult => {
+  assertOtp(payload.otp);
+
+  const selectedPlan = mockPlans.find((plan) => plan.id === payload.draft.selectedPlanId);
+
+  if (!selectedPlan) {
+    throw new Error('Select an insurance plan to continue.');
+  }
+
+  const now = new Date().toISOString();
+  const policyId = `policy_${Date.now()}`;
+  const policyNumber = `INS-${new Date().getFullYear()}-${Math.floor(100000 + Math.random() * 900000)}`;
+  const nextPremiumDueDate = getNextDateForFrequency(now, selectedPlan.premiumFrequency);
+  const expiryDate =
+    selectedPlan.category === 'Life Insurance'
+      ? addYears(now, selectedPlan.tenureYears)
+      : addYears(now, 1);
+
+  const policy: InsurancePolicy = {
+    id: policyId,
+    planId: selectedPlan.id,
+    planName: selectedPlan.name,
+    category: selectedPlan.category,
+    insurer: findInsurer(selectedPlan.insurerId),
+    policyNumber,
+    insuredName: payload.draft.personal.fullName,
+    premiumAmount: selectedPlan.premium,
+    premiumFrequency: selectedPlan.premiumFrequency,
+    coverageAmount: selectedPlan.coverAmount,
+    status: 'Active',
+    startDate: now,
+    expiryDate,
+    nextPremiumDueDate,
+    benefits: [...selectedPlan.benefits],
+    inclusions: [...selectedPlan.inclusions],
+    exclusions: [...selectedPlan.exclusions],
+    nomineeName: payload.draft.nominee.name,
+    nomineeRelationship: payload.draft.nominee.relationship,
+    autoRenewEnabled: payload.draft.autoRenewEnabled,
+    membersCovered: Number(payload.draft.specificDetails.familyMembers || 1),
+    deductibleAmount: selectedPlan.deductibleAmount,
+    documents: getPolicyDocuments(policyNumber),
+  };
+
+  if (selectedPlan.category === 'Health Insurance') {
+    policy.healthDetails = {
+      familyMembers: Number(payload.draft.specificDetails.familyMembers || 1),
+      medicalHistory: payload.draft.specificDetails.medicalHistory || 'None',
+      smoker: payload.draft.specificDetails.smoker || 'No',
+    };
+  }
+
+  if (selectedPlan.category === 'Life Insurance') {
+    policy.lifeDetails = {
+      annualIncome: Number(payload.draft.specificDetails.annualIncome || 0),
+      occupation: payload.draft.specificDetails.occupation || '',
+      smoker: payload.draft.specificDetails.smoker || 'No',
+    };
+  }
+
+  if (selectedPlan.category === 'Motor Insurance') {
+    policy.vehicleDetails = {
+      vehicleType: payload.draft.specificDetails.vehicleType || '',
+      makeModel: payload.draft.specificDetails.makeModel || '',
+      registrationNumber: payload.draft.specificDetails.registrationNumber || '',
+      registrationYear: payload.draft.specificDetails.registrationYear || '',
+    };
+  }
+
+  if (selectedPlan.category === 'Travel Insurance') {
+    policy.travelDetails = {
+      destination: payload.draft.specificDetails.destination || '',
+      departureDate: payload.draft.specificDetails.departureDate || '',
+      returnDate: payload.draft.specificDetails.returnDate || '',
+      travellers: Number(payload.draft.specificDetails.travellers || 1),
+      passportNumber: payload.draft.specificDetails.passportNumber || '',
+    };
+  }
+
+  if (selectedPlan.category === 'Property Insurance') {
+    policy.propertyDetails = {
+      propertyType: payload.draft.specificDetails.propertyType || '',
+      propertyValue: Number(payload.draft.specificDetails.propertyValue || 0),
+      constructionYear: payload.draft.specificDetails.constructionYear || '',
+      propertyAddress: payload.draft.specificDetails.propertyAddress || '',
+    };
+  }
+
+  mockPolicies = [policy, ...mockPolicies];
+  mockNotifications = [
+    {
+      id: `ins_notif_${Date.now()}`,
+      type: 'offer',
+      title: 'Policy issued successfully',
+      body: `${selectedPlan.name} has been issued with policy number ${policyNumber}.`,
+      createdAt: now,
+      read: false,
+      policyId,
+    },
+    ...mockNotifications,
+  ];
+
+  return {
+    policy: cloneValue(policy),
+    transactionRef: `TXN${Date.now()}`,
+  };
+};
+
+export const payInsurancePremium = (
+  payload: PayInsurancePremiumPayload,
+): PayInsurancePremiumResult => {
+  assertOtp(payload.otp);
+
+  const policyIndex = mockPolicies.findIndex((policy) => policy.id === payload.policyId);
+
+  if (policyIndex < 0) {
+    throw new Error('Policy not found.');
+  }
+
+  const current = mockPolicies[policyIndex]!;
+  const nextDueDate = getNextDateForFrequency(
+    current.nextPremiumDueDate,
+    current.premiumFrequency,
+  );
+  const shouldExtendExpiry =
+    Math.abs(
+      new Date(current.expiryDate).getTime() - new Date(current.nextPremiumDueDate).getTime(),
+    ) <= 24 * 60 * 60 * 1000;
+
+  const updatedPolicy: InsurancePolicy = {
+    ...current,
+    nextPremiumDueDate: nextDueDate,
+    expiryDate: shouldExtendExpiry ? addYears(current.expiryDate, 1) : current.expiryDate,
+    status: 'Active',
+  };
+
+  mockPolicies = mockPolicies.map((policy, index) =>
+    index === policyIndex ? updatedPolicy : policy,
+  );
+  mockNotifications = [
+    {
+      id: `ins_notif_${Date.now()}`,
+      type: 'premium_due',
+      title: 'Premium paid successfully',
+      body: `${updatedPolicy.planName} premium of Rs ${payload.amount.toLocaleString('en-IN')} paid successfully.`,
+      createdAt: new Date().toISOString(),
+      read: false,
+      policyId: updatedPolicy.id,
+    },
+    ...mockNotifications,
+  ];
+
+  return {
+    success: true,
+    transactionRef: `TXN${Date.now()}`,
+    nextDueDate,
+  };
+};
+
+export const toggleInsurancePolicyAutoRenew = (policyId: string, enabled: boolean) => {
+  const policyIndex = mockPolicies.findIndex((policy) => policy.id === policyId);
+
+  if (policyIndex < 0) {
+    throw new Error('Policy not found.');
+  }
+
+  const updatedPolicy = { ...mockPolicies[policyIndex]!, autoRenewEnabled: enabled };
+  mockPolicies = mockPolicies.map((policy, index) =>
+    index === policyIndex ? updatedPolicy : policy,
+  );
+
+  return cloneValue(updatedPolicy);
+};
+
+export const submitInsuranceClaim = (
+  payload: SubmitInsuranceClaimPayload,
+): SubmitInsuranceClaimResult => {
+  assertOtp(payload.otp);
+
+  const policy = mockPolicies.find((item) => item.id === payload.policyId);
+
+  if (!policy) {
+    throw new Error('Choose a valid policy for the claim.');
+  }
+
+  const claimDocuments = mockDocuments.filter((document) =>
+    payload.documentIds.includes(document.id),
+  );
+  const claimId = `claim_${Date.now()}`;
+  const claimNumber = `CLM-${new Date().getFullYear()}-${Math.floor(1000 + Math.random() * 9000)}`;
+  const now = new Date().toISOString();
+  const nextClaim: InsuranceClaim = {
+    id: claimId,
+    claimNumber,
+    policyId: policy.id,
+    policyNumber: policy.policyNumber,
+    policyName: policy.planName,
+    category: policy.category,
+    reason: payload.reason,
+    eventDate: payload.eventDate,
+    amount: payload.amount,
+    status: 'Submitted',
+    createdAt: now,
+    updatedAt: now,
+    notes: payload.description,
+    documents: claimDocuments.map((document) => ({
+      ...document,
+      linkedClaimId: claimId,
+    })),
+  };
+
+  mockClaims = [nextClaim, ...mockClaims];
+  mockDocuments = mockDocuments.map((document) =>
+    payload.documentIds.includes(document.id)
+      ? { ...document, linkedClaimId: claimId }
+      : document,
+  );
+  mockNotifications = [
+    {
+      id: `ins_notif_${Date.now()}`,
+      type: 'claim_update',
+      title: 'Claim submitted',
+      body: `${claimNumber} has been lodged and shared with ${policy.insurer.name}.`,
+      createdAt: now,
+      read: false,
+      policyId: policy.id,
+      claimId,
+    },
+    ...mockNotifications,
+  ];
+
+  return {
+    claim: cloneValue(nextClaim),
+    referenceId: claimNumber,
+  };
+};
+
+export const uploadInsuranceDocument = (payload: UploadInsuranceDocumentPayload) => {
+  if (payload.existingDocumentId) {
+    mockDocuments = mockDocuments.filter((document) => document.id !== payload.existingDocumentId);
+  }
+
+  const document: InsuranceDocument = {
+    id: `ins_doc_${Date.now()}`,
+    name: payload.name,
+    type: payload.type,
+    category: payload.category,
+    status:
+      payload.category === 'kyc' && (payload.type === 'Aadhaar' || payload.type === 'PAN')
+        ? 'verified'
+        : 'uploaded',
+    uploadedAt: new Date().toISOString(),
+    mimeType: payload.mimeType,
+    url: payload.uri,
+    sizeKb: payload.sizeKb,
+    linkedClaimId: payload.linkedClaimId,
+  };
+
+  mockDocuments = [document, ...mockDocuments];
+
+  return cloneValue(document);
+};
+
+export const markInsuranceNotificationRead = (notificationId: string) => {
+  mockNotifications = mockNotifications.map((notification) =>
+    notification.id === notificationId ? { ...notification, read: true } : notification,
+  );
+
+  return { success: true };
+};

src/modules/insurance/store/insuranceSelectors.ts

@@ -0,0 +1,12 @@
+import type { RootState } from '../../../app/store';
+
+export const selectInsuranceState = (state: RootState) => state.insurance;
+export const selectInsurancePlans = (state: RootState) => state.insurance.plans;
+export const selectInsuranceDraft = (state: RootState) => state.insurance.draft;
+export const selectInsurancePurchaseStep = (state: RootState) => state.insurance.purchaseStep;
+export const selectInsuranceCalculator = (state: RootState) => state.insurance.calculator;
+export const selectInsuranceCategory = (state: RootState) => state.insurance.draft.category;
+export const selectInsuranceComparedPlanIds = (state: RootState) =>
+  state.insurance.draft.comparePlanIds;
+export const selectInsuranceSelectedPlanId = (state: RootState) =>
+  state.insurance.draft.selectedPlanId;

src/modules/insurance/store/insuranceSlice.ts

@@ -0,0 +1,160 @@
+import { createSlice, type PayloadAction } from '@reduxjs/toolkit';
+
+import type { AsyncStatus } from '../../../types/app';
+import type {
+  InsuranceAddressDetails,
+  InsuranceCalculatorInput,
+  InsuranceCategory,
+  InsuranceKycDetails,
+  InsuranceNomineeDetails,
+  InsurancePaymentMethod,
+  InsurancePersonalDetails,
+  InsurancePlan,
+  InsurancePurchaseDraft,
+  InsurancePurchaseStep,
+} from '../types';
+import { seedInsurancePlans } from './insuranceThunk';
+
+interface InsuranceState {
+  status: AsyncStatus;
+  plans: InsurancePlan[];
+  purchaseStep: InsurancePurchaseStep;
+  draft: InsurancePurchaseDraft;
+  calculator: InsuranceCalculatorInput;
+}
+
+const createInitialDraft = (
+  category: InsuranceCategory = 'Health Insurance',
+): InsurancePurchaseDraft => ({
+  category,
+  personal: {
+    fullName: 'Aarav Sharma',
+    age: '31',
+    gender: 'Male',
+    email: 'aarav.sharma@bankcbs.dev',
+    phone: '9876543210',
+  },
+  nominee: {
+    name: 'Megha Sharma',
+    relationship: 'Spouse',
+    age: '29',
+  },
+  address: {
+    line1: '18, 7th Main, Koramangala',
+    city: 'Bengaluru',
+    state: 'Karnataka',
+    postalCode: '560095',
+  },
+  kyc: {
+    aadhaarNumber: '123412341234',
+    panNumber: 'ABCDE1234F',
+  },
+  specificDetails: {},
+  selectedPlanId: null,
+  paymentMethod: 'UPI',
+  autoRenewEnabled: true,
+  comparePlanIds: [],
+});
+
+const initialState: InsuranceState = {
+  status: 'idle',
+  plans: [],
+  purchaseStep: 'details',
+  draft: createInitialDraft(),
+  calculator: {
+    category: 'Health Insurance',
+    age: '31',
+    coverageAmount: '1500000',
+    tenureYears: '1',
+  },
+};
+
+const insuranceSlice = createSlice({
+  name: 'insurance',
+  initialState,
+  reducers: {
+    setInsuranceCategory(state, action: PayloadAction<InsuranceCategory>) {
+      state.draft = createInitialDraft(action.payload);
+      state.purchaseStep = 'details';
+      state.calculator.category = action.payload;
+    },
+    setInsurancePurchaseStep(state, action: PayloadAction<InsurancePurchaseStep>) {
+      state.purchaseStep = action.payload;
+    },
+    updateInsurancePersonal(
+      state,
+      action: PayloadAction<{ field: keyof InsurancePersonalDetails; value: string }>,
+    ) {
+      state.draft.personal[action.payload.field] = action.payload.value as never;
+    },
+    updateInsuranceNominee(
+      state,
+      action: PayloadAction<{ field: keyof InsuranceNomineeDetails; value: string }>,
+    ) {
+      state.draft.nominee[action.payload.field] = action.payload.value;
+    },
+    updateInsuranceAddress(
+      state,
+      action: PayloadAction<{ field: keyof InsuranceAddressDetails; value: string }>,
+    ) {
+      state.draft.address[action.payload.field] = action.payload.value;
+    },
+    updateInsuranceKyc(
+      state,
+      action: PayloadAction<{ field: keyof InsuranceKycDetails; value: string }>,
+    ) {
+      state.draft.kyc[action.payload.field] = action.payload.value;
+    },
+    updateInsuranceSpecificDetail(
+      state,
+      action: PayloadAction<{ key: string; value: string }>,
+    ) {
+      state.draft.specificDetails[action.payload.key] = action.payload.value;
+    },
+    setInsuranceSelectedPlan(state, action: PayloadAction<string | null>) {
+      state.draft.selectedPlanId = action.payload;
+    },
+    toggleInsuranceComparedPlan(state, action: PayloadAction<string>) {
+      if (state.draft.comparePlanIds.includes(action.payload)) {
+        state.draft.comparePlanIds = state.draft.comparePlanIds.filter(
+          (id) => id !== action.payload,
+        );
+        return;
+      }
+
+      state.draft.comparePlanIds = [...state.draft.comparePlanIds, action.payload].slice(-3);
+    },
+    setInsurancePaymentMethod(state, action: PayloadAction<InsurancePaymentMethod>) {
+      state.draft.paymentMethod = action.payload;
+    },
+    setInsuranceAutoRenew(state, action: PayloadAction<boolean>) {
+      state.draft.autoRenewEnabled = action.payload;
+    },
+    resetInsuranceDraft(state) {
+      state.purchaseStep = 'details';
+      state.draft = createInitialDraft(state.draft.category);
+    },
+    updateInsuranceCalculator(
+      state,
+      action: PayloadAction<{ field: keyof InsuranceCalculatorInput; value: string }>,
+    ) {
+      state.calculator[action.payload.field] = action.payload.value as never;
+    },
+  },
+  extraReducers: (builder) => {
+    builder
+      .addCase(seedInsurancePlans.pending, (state) => {
+        state.status = 'loading';
+      })
+      .addCase(seedInsurancePlans.fulfilled, (state, action) => {
+        state.status = 'succeeded';
+        state.plans = action.payload;
+      })
+      .addCase(seedInsurancePlans.rejected, (state) => {
+        state.status = 'failed';
+      });
+  },
+});
+
+export const insuranceActions = insuranceSlice.actions;
+export const insuranceReducer = insuranceSlice.reducer;

src/modules/insurance/store/insuranceThunk.ts

@@ -0,0 +1,13 @@
+import { createAsyncThunk } from '@reduxjs/toolkit';
+
+import { sleep } from '../../../utils/async';
+import type { InsurancePlan } from '../types';
+import { seedInsurancePlanCatalog } from '../services/insuranceApi';
+
+export const seedInsurancePlans = createAsyncThunk<InsurancePlan[]>(
+  'insurance/seedPlans',
+  async () => {
+    await sleep(140);
+    return seedInsurancePlanCatalog();
+  },
+);

src/modules/insurance/types/index.ts

@@ -0,0 +1,515 @@
+export const INSURANCE_CATEGORIES = [
+  'Health Insurance',
+  'Life Insurance',
+  'Motor Insurance',
+  'Travel Insurance',
+  'Property Insurance',
+] as const;
+
+export const INSURANCE_PAYMENT_METHODS = ['UPI', 'Net Banking', 'Card'] as const;
+export const INSURANCE_PREMIUM_FREQUENCIES = ['Monthly', 'Quarterly', 'Yearly'] as const;
+export const INSURANCE_POLICY_STATUSES = ['Active', 'Renewal Due', 'Expired', 'Grace Period'] as const;
+export const INSURANCE_CLAIM_STATUSES = [
+  'Submitted',
+  'Under Review',
+  'Approved',
+  'Rejected',
+  'Settled',
+] as const;
+export const INSURANCE_DOCUMENT_STATUSES = ['uploaded', 'verified', 'rejected'] as const;
+
+export type InsuranceCategory = (typeof INSURANCE_CATEGORIES)[number];
+export type InsurancePaymentMethod = (typeof INSURANCE_PAYMENT_METHODS)[number];
+export type InsurancePremiumFrequency = (typeof INSURANCE_PREMIUM_FREQUENCIES)[number];
+export type InsurancePolicyStatus = (typeof INSURANCE_POLICY_STATUSES)[number];
+export type InsuranceClaimStatus = (typeof INSURANCE_CLAIM_STATUSES)[number];
+export type InsuranceDocumentStatus = (typeof INSURANCE_DOCUMENT_STATUSES)[number];
+export type InsuranceNotificationType =
+  | 'premium_due'
+  | 'policy_expiry'
+  | 'claim_update'
+  | 'offer';
+export type InsuranceDocumentCategory = 'kyc' | 'claim';
+export type InsuranceDocumentType =
+  | 'Aadhaar'
+  | 'PAN'
+  | 'Passport'
+  | 'Driving License'
+  | 'RC Book'
+  | 'Medical Report'
+  | 'Travel Ticket'
+  | 'Property Proof'
+  | 'Invoice'
+  | 'Photo'
+  | 'Other';
+export type InsuranceGender = 'Male' | 'Female' | 'Other';
+export type InsurancePurchaseStep = 'details' | 'plans' | 'payment';
+
+export interface InsuranceDynamicField {
+  key: string;
+  label: string;
+  placeholder: string;
+  keyboardType?: 'default' | 'numeric' | 'email-address';
+  required?: boolean;
+  multiline?: boolean;
+}
+
+export interface InsuranceCategoryMeta {
+  title: InsuranceCategory;
+  icon: string;
+  accentColor: string;
+  description: string;
+  specificFields: InsuranceDynamicField[];
+}
+
+export const INSURANCE_CATEGORY_META: Record<InsuranceCategory, InsuranceCategoryMeta> = {
+  'Health Insurance': {
+    title: 'Health Insurance',
+    icon: 'medkit-outline',
+    accentColor: '#10B981',
+    description: 'Cashless hospitalization, wellness support, and family protection.',
+    specificFields: [
+      {
+        key: 'familyMembers',
+        label: 'Family members covered',
+        placeholder: 'Enter number of members',
+        keyboardType: 'numeric',
+        required: true,
+      },
+      {
+        key: 'medicalHistory',
+        label: 'Medical history',
+        placeholder: 'Declare existing conditions or enter None',
+        required: true,
+        multiline: true,
+      },
+      {
+        key: 'smoker',
+        label: 'Smoker status',
+        placeholder: 'Yes or No',
+        required: true,
+      },
+    ],
+  },
+  'Life Insurance': {
+    title: 'Life Insurance',
+    icon: 'heart-circle-outline',
+    accentColor: '#F59E0B',
+    description: 'Long-term income protection with nominee-first policy servicing.',
+    specificFields: [
+      {
+        key: 'annualIncome',
+        label: 'Annual income',
+        placeholder: 'Enter annual income',
+        keyboardType: 'numeric',
+        required: true,
+      },
+      {
+        key: 'occupation',
+        label: 'Occupation',
+        placeholder: 'Enter occupation',
+        required: true,
+      },
+      {
+        key: 'smoker',
+        label: 'Smoker status',
+        placeholder: 'Yes or No',
+        required: true,
+      },
+    ],
+  },
+  'Motor Insurance': {
+    title: 'Motor Insurance',
+    icon: 'car-sport-outline',
+    accentColor: '#3B82F6',
+    description: 'Comprehensive protection for car and bike ownership journeys.',
+    specificFields: [
+      {
+        key: 'vehicleType',
+        label: 'Vehicle type',
+        placeholder: 'Car or Bike',
+        required: true,
+      },
+      {
+        key: 'makeModel',
+        label: 'Vehicle make and model',
+        placeholder: 'Enter make and model',
+        required: true,
+      },
+      {
+        key: 'registrationNumber',
+        label: 'Registration number',
+        placeholder: 'Enter registration number',
+        required: true,
+      },
+      {
+        key: 'registrationYear',
+        label: 'Registration year',
+        placeholder: 'Enter registration year',
+        keyboardType: 'numeric',
+        required: true,
+      },
+      {
+        key: 'previousClaims',
+        label: 'Previous claims',
+        placeholder: 'Enter count of claims in last 3 years',
+        keyboardType: 'numeric',
+        required: true,
+      },
+    ],
+  },
+  'Travel Insurance': {
+    title: 'Travel Insurance',
+    icon: 'airplane-outline',
+    accentColor: '#8B5CF6',
+    description: 'Trip protection for medical emergencies, delays, and baggage loss.',
+    specificFields: [
+      {
+        key: 'destination',
+        label: 'Destination',
+        placeholder: 'Enter destination country or region',
+        required: true,
+      },
+      {
+        key: 'departureDate',
+        label: 'Departure date',
+        placeholder: 'YYYY-MM-DD',
+        required: true,
+      },
+      {
+        key: 'returnDate',
+        label: 'Return date',
+        placeholder: 'YYYY-MM-DD',
+        required: true,
+      },
+      {
+        key: 'travellers',
+        label: 'Number of travellers',
+        placeholder: 'Enter number of travellers',
+        keyboardType: 'numeric',
+        required: true,
+      },
+      {
+        key: 'passportNumber',
+        label: 'Passport number',
+        placeholder: 'Enter passport number',
+        required: true,
+      },
+    ],
+  },
+  'Property Insurance': {
+    title: 'Property Insurance',
+    icon: 'home-outline',
+    accentColor: '#EF4444',
+    description: 'Cover for home structure, contents, and landlord liability.',
+    specificFields: [
+      {
+        key: 'propertyType',
+        label: 'Property type',
+        placeholder: 'Apartment, Villa, Office, etc.',
+        required: true,
+      },
+      {
+        key: 'propertyValue',
+        label: 'Property value',
+        placeholder: 'Enter insured property value',
+        keyboardType: 'numeric',
+        required: true,
+      },
+      {
+        key: 'constructionYear',
+        label: 'Construction year',
+        placeholder: 'Enter construction year',
+        keyboardType: 'numeric',
+        required: true,
+      },
+      {
+        key: 'propertyAddress',
+        label: 'Property address',
+        placeholder: 'Enter complete insured address',
+        required: true,
+        multiline: true,
+      },
+    ],
+  },
+};
+
+export interface InsuranceInsurer {
+  id: string;
+  name: string;
+  claimSettlementRatio: number;
+  supportPhone: string;
+  supportEmail: string;
+  website: string;
+  address: string;
+}
+
+export interface InsurancePlan {
+  id: string;
+  category: InsuranceCategory;
+  insurerId: string;
+  insurerName: string;
+  name: string;
+  premium: number;
+  premiumFrequency: InsurancePremiumFrequency;
+  coverAmount: number;
+  tenureYears: number;
+  summary: string;
+  benefits: string[];
+  inclusions: string[];
+  exclusions: string[];
+  claimSettlementRatio: number;
+  waitingPeriodDays?: number;
+  deductibleAmount?: number;
+  recommendedFor?: string;
+  addOns?: string[];
+}
+
+export interface InsurancePolicyDocument {
+  id: string;
+  name: string;
+  mimeType: string;
+  uploadedAt: string;
+  url: string;
+  sizeKb: number;
+}
+
+export interface InsurancePolicy {
+  id: string;
+  planId: string;
+  planName: string;
+  category: InsuranceCategory;
+  insurer: InsuranceInsurer;
+  policyNumber: string;
+  insuredName: string;
+  premiumAmount: number;
+  premiumFrequency: InsurancePremiumFrequency;
+  coverageAmount: number;
+  status: InsurancePolicyStatus;
+  startDate: string;
+  expiryDate: string;
+  nextPremiumDueDate: string;
+  benefits: string[];
+  inclusions: string[];
+  exclusions: string[];
+  nomineeName: string;
+  nomineeRelationship: string;
+  autoRenewEnabled: boolean;
+  membersCovered: number;
+  deductibleAmount?: number;
+  vehicleDetails?: {
+    vehicleType: string;
+    makeModel: string;
+    registrationNumber: string;
+    registrationYear: string;
+  };
+  healthDetails?: {
+    familyMembers: number;
+    medicalHistory: string;
+    smoker: string;
+  };
+  lifeDetails?: {
+    annualIncome: number;
+    occupation: string;
+    smoker: string;
+  };
+  travelDetails?: {
+    destination: string;
+    departureDate: string;
+    returnDate: string;
+    travellers: number;
+    passportNumber: string;
+  };
+  propertyDetails?: {
+    propertyType: string;
+    propertyValue: number;
+    constructionYear: string;
+    propertyAddress: string;
+  };
+  documents: InsurancePolicyDocument[];
+}
+
+export interface InsurancePremiumDue {
+  id: string;
+  policyId: string;
+  planName: string;
+  policyNumber: string;
+  amount: number;
+  dueDate: string;
+  frequency: InsurancePremiumFrequency;
+  lateFee: number;
+  autoRenewEnabled: boolean;
+}
+
+export interface InsuranceDocument {
+  id: string;
+  name: string;
+  type: InsuranceDocumentType;
+  category: InsuranceDocumentCategory;
+  status: InsuranceDocumentStatus;
+  uploadedAt: string;
+  mimeType: string;
+  url: string;
+  sizeKb: number;
+  linkedClaimId?: string;
+  rejectionReason?: string;
+}
+
+export interface InsuranceClaim {
+  id: string;
+  claimNumber: string;
+  policyId: string;
+  policyNumber: string;
+  policyName: string;
+  category: InsuranceCategory;
+  reason: string;
+  eventDate: string;
+  amount: number;
+  status: InsuranceClaimStatus;
+  createdAt: string;
+  updatedAt: string;
+  notes: string;
+  documents: InsuranceDocument[];
+}
+
+export interface InsuranceNotification {
+  id: string;
+  type: InsuranceNotificationType;
+  title: string;
+  body: string;
+  createdAt: string;
+  read: boolean;
+  policyId?: string;
+  claimId?: string;
+}
+
+export interface InsuranceDashboardPayload {
+  policies: InsurancePolicy[];
+  totalCoverageAmount: number;
+  activePoliciesCount: number;
+  duePremiums: InsurancePremiumDue[];
+  upcomingPremium: InsurancePremiumDue | null;
+  recentClaims: InsuranceClaim[];
+  notifications: InsuranceNotification[];
+}
+
+export interface InsurancePersonalDetails {
+  fullName: string;
+  age: string;
+  gender: InsuranceGender | '';
+  email: string;
+  phone: string;
+}
+
+export interface InsuranceNomineeDetails {
+  name: string;
+  relationship: string;
+  age: string;
+}
+
+export interface InsuranceAddressDetails {
+  line1: string;
+  city: string;
+  state: string;
+  postalCode: string;
+}
+
+export interface InsuranceKycDetails {
+  aadhaarNumber: string;
+  panNumber: string;
+}
+
+export interface InsurancePurchaseDraft {
+  category: InsuranceCategory;
+  personal: InsurancePersonalDetails;
+  nominee: InsuranceNomineeDetails;
+  address: InsuranceAddressDetails;
+  kyc: InsuranceKycDetails;
+  specificDetails: Record<string, string>;
+  selectedPlanId: string | null;
+  paymentMethod: InsurancePaymentMethod;
+  autoRenewEnabled: boolean;
+  comparePlanIds: string[];
+}
+
+export interface InsuranceClaimDraft {
+  policyId: string;
+  reason: string;
+  eventDate: string;
+  amount: string;
+  description: string;
+  documentIds: string[];
+}
+
+export interface InsuranceCalculatorInput {
+  category: InsuranceCategory;
+  age: string;
+  coverageAmount: string;
+  tenureYears: string;
+}
+
+export interface InsuranceCalculatorEstimate {
+  monthlyPremium: number;
+  annualPremium: number;
+  recommendedCover: number;
+}
+
+export interface PurchaseInsurancePayload {
+  draft: InsurancePurchaseDraft;
+  otp: string;
+}
+
+export interface PurchaseInsuranceResult {
+  policy: InsurancePolicy;
+  transactionRef: string;
+}
+
+export interface PayInsurancePremiumPayload {
+  policyId: string;
+  amount: number;
+  method: InsurancePaymentMethod;
+  otp: string;
+}
+
+export interface PayInsurancePremiumResult {
+  success: boolean;
+  transactionRef: string;
+  nextDueDate: string;
+}
+
+export interface SubmitInsuranceClaimPayload {
+  policyId: string;
+  reason: string;
+  eventDate: string;
+  amount: number;
+  description: string;
+  documentIds: string[];
+  otp: string;
+}
+
+export interface SubmitInsuranceClaimResult {
+  claim: InsuranceClaim;
+  referenceId: string;
+}
+
+export interface UploadInsuranceDocumentPayload {
+  name: string;
+  type: InsuranceDocumentType;
+  category: InsuranceDocumentCategory;
+  mimeType: string;
+  uri: string;
+  sizeKb: number;
+  linkedClaimId?: string;
+  existingDocumentId?: string;
+}
+
+export interface RequestInsuranceOtpPayload {
+  action: 'purchase' | 'claim' | 'payment';
+  policyId?: string;
+}
+
+export interface InsuranceOtpSession {
+  referenceId: string;
+  destinationMask: string;
+  mockCodeHint?: string;
+}

src/modules/insurance/utils/insuranceMath.ts

@@ -0,0 +1,135 @@
+import type {
+  InsuranceCalculatorEstimate,
+  InsuranceCalculatorInput,
+  InsuranceCategory,
+  InsurancePolicy,
+  InsurancePremiumDue,
+  InsurancePremiumFrequency,
+} from '../types';
+
+const CATEGORY_RATE_MAP: Record<InsuranceCategory, number> = {
+  'Health Insurance': 0.024,
+  'Life Insurance': 0.006,
+  'Motor Insurance': 0.031,
+  'Travel Insurance': 0.012,
+  'Property Insurance': 0.01,
+};
+
+const CATEGORY_RECOMMENDED_MULTIPLIER: Record<InsuranceCategory, number> = {
+  'Health Insurance': 6,
+  'Life Insurance': 150,
+  'Motor Insurance': 1.2,
+  'Travel Insurance': 4,
+  'Property Insurance': 1,
+};
+
+const DAY_IN_MS = 24 * 60 * 60 * 1000;
+
+export const addMonths = (value: string, months: number) => {
+  const date = new Date(value);
+  const next = new Date(date);
+  next.setMonth(date.getMonth() + months);
+  return next.toISOString();
+};
+
+export const addYears = (value: string, years: number) => {
+  const date = new Date(value);
+  const next = new Date(date);
+  next.setFullYear(date.getFullYear() + years);
+  return next.toISOString();
+};
+
+export const getNextDateForFrequency = (
+  value: string,
+  frequency: InsurancePremiumFrequency,
+) => {
+  if (frequency === 'Monthly') {
+    return addMonths(value, 1);
+  }
+
+  if (frequency === 'Quarterly') {
+    return addMonths(value, 3);
+  }
+
+  return addYears(value, 1);
+};
+
+export const getRecommendedCover = (
+  category: InsuranceCategory,
+  baseAmount: number,
+) => Math.round(baseAmount * CATEGORY_RECOMMENDED_MULTIPLIER[category]);
+
+export const estimateInsurancePremium = (
+  input: InsuranceCalculatorInput,
+): InsuranceCalculatorEstimate => {
+  const age = Number(input.age || 0);
+  const coverageAmount = Number(input.coverageAmount || 0);
+  const tenureYears = Number(input.tenureYears || 0);
+
+  const normalizedAge = age > 0 ? age : 28;
+  const normalizedCoverage = coverageAmount > 0 ? coverageAmount : 500000;
+  const normalizedTenure = tenureYears > 0 ? tenureYears : 1;
+
+  const baseRate = CATEGORY_RATE_MAP[input.category];
+  const ageFactor =
+    normalizedAge < 30 ? 0.92 : normalizedAge < 40 ? 1 : normalizedAge < 50 ? 1.18 : 1.36;
+  const coverageFactor =
+    normalizedCoverage >= 10000000 ? 0.95 : normalizedCoverage >= 5000000 ? 0.98 : 1;
+  const tenureFactor = normalizedTenure >= 5 ? 0.92 : normalizedTenure >= 3 ? 0.96 : 1;
+
+  const annualPremium = Math.round(
+    normalizedCoverage * baseRate * ageFactor * coverageFactor * tenureFactor,
+  );
+
+  return {
+    monthlyPremium: Math.max(Math.round(annualPremium / 12), 1),
+    annualPremium,
+    recommendedCover: getRecommendedCover(input.category, normalizedCoverage),
+  };
+};
+
+export const estimateAnnualPremium = (monthlyPremium: number) => monthlyPremium * 12;
+
+export const getPolicyTotalCoverage = (policies: InsurancePolicy[]) =>
+  policies.reduce((sum, policy) => sum + policy.coverageAmount, 0);
+
+export const getEarliestPremiumDue = (dues: InsurancePremiumDue[]) =>
+  [...dues].sort(
+    (left, right) => new Date(left.dueDate).getTime() - new Date(right.dueDate).getTime(),
+  )[0] ?? null;
+
+export const getDaysUntil = (value: string) =>
+  Math.max(Math.ceil((new Date(value).getTime() - Date.now()) / DAY_IN_MS), 0);
+
+export const getPremiumLateFee = (dueDate: string, amount: number) => {
+  const daysLate = Math.floor((Date.now() - new Date(dueDate).getTime()) / DAY_IN_MS);
+
+  if (daysLate <= 0) {
+    return 0;
+  }
+
+  return Math.min(Math.round(amount * 0.015), 2000);
+};
+
+export const getPolicyStatusFromDueDate = (
+  nextPremiumDueDate: string,
+  expiryDate: string,
+) => {
+  const dueAt = new Date(nextPremiumDueDate).getTime();
+  const expiryAt = new Date(expiryDate).getTime();
+  const now = Date.now();
+
+  if (expiryAt < now) {
+    return 'Expired' as const;
+  }
+
+  if (dueAt < now) {
+    return 'Grace Period' as const;
+  }
+
+  if (dueAt - now <= 15 * DAY_IN_MS) {
+    return 'Renewal Due' as const;
+  }
+
+  return 'Active' as const;
+};

src/modules/insurance/utils/insuranceValidation.ts

@@ -0,0 +1,160 @@
+import { isValidOtp, isValidPhone } from '../../../utils/validation';
+import type {
+  InsuranceCategory,
+  InsuranceClaimDraft,
+  InsuranceDocumentType,
+  InsurancePurchaseDraft,
+} from '../types';
+import { INSURANCE_CATEGORY_META } from '../types';
+
+const isValidEmail = (value: string) => /^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(value.trim());
+const isValidPan = (value: string) =>
+  /^[A-Z]{5}[0-9]{4}[A-Z]$/.test(value.trim().toUpperCase());
+const isValidAadhaar = (value: string) => /^[0-9]{12}$/.test(value.replace(/\s/g, ''));
+const isValidDateInput = (value: string) =>
+  /^[0-9]{4}-[0-9]{2}-[0-9]{2}$/.test(value) && !Number.isNaN(new Date(value).getTime());
+
+export type InsuranceValidationErrors = Record<string, string>;
+
+export const validateInsurancePurchaseDraft = (
+  draft: InsurancePurchaseDraft,
+  category: InsuranceCategory,
+): InsuranceValidationErrors => {
+  const errors: InsuranceValidationErrors = {};
+  const categoryMeta = INSURANCE_CATEGORY_META[category];
+
+  if (!draft.personal.fullName.trim()) {
+    errors.personalFullName = 'Full name is required.';
+  }
+
+  if (!draft.personal.age.trim() || Number(draft.personal.age) < 18) {
+    errors.personalAge = 'Applicant must be at least 18 years old.';
+  }
+
+  if (!draft.personal.gender) {
+    errors.personalGender = 'Gender is required.';
+  }
+
+  if (!isValidEmail(draft.personal.email)) {
+    errors.personalEmail = 'Enter a valid email address.';
+  }
+
+  if (!isValidPhone(draft.personal.phone)) {
+    errors.personalPhone = 'Enter a valid 10-digit mobile number.';
+  }
+
+  if (!draft.nominee.name.trim()) {
+    errors.nomineeName = 'Nominee name is required.';
+  }
+
+  if (!draft.nominee.relationship.trim()) {
+    errors.nomineeRelationship = 'Nominee relationship is required.';
+  }
+
+  if (!draft.nominee.age.trim()) {
+    errors.nomineeAge = 'Nominee age is required.';
+  }
+
+  if (!draft.address.line1.trim()) {
+    errors.addressLine1 = 'Address is required.';
+  }
+
+  if (!draft.address.city.trim()) {
+    errors.addressCity = 'City is required.';
+  }
+
+  if (!draft.address.state.trim()) {
+    errors.addressState = 'State is required.';
+  }
+
+  if (!/^[0-9]{6}$/.test(draft.address.postalCode.trim())) {
+    errors.addressPostalCode = 'Enter a valid 6-digit PIN code.';
+  }
+
+  if (!isValidAadhaar(draft.kyc.aadhaarNumber)) {
+    errors.kycAadhaar = 'Enter a valid 12-digit Aadhaar number.';
+  }
+
+  if (!isValidPan(draft.kyc.panNumber)) {
+    errors.kycPan = 'Enter a valid PAN number.';
+  }
+
+  categoryMeta.specificFields.forEach((field) => {
+    const value = draft.specificDetails[field.key]?.trim() ?? '';
+
+    if (field.required && !value) {
+      errors[`specific_${field.key}`] = `${field.label} is required.`;
+      return;
+    }
+
+    if (!value) {
+      return;
+    }
+
+    if (field.keyboardType === 'numeric' && Number(value) <= 0) {
+      errors[`specific_${field.key}`] = `Enter a valid ${field.label.toLowerCase()}.`;
+      return;
+    }
+
+    if (field.key.toLowerCase().includes('date') && !isValidDateInput(value)) {
+      errors[`specific_${field.key}`] = `Use YYYY-MM-DD for ${field.label.toLowerCase()}.`;
+    }
+  });
+
+  return errors;
+};
+
+export const validateInsuranceClaimDraft = (
+  draft: InsuranceClaimDraft,
+): InsuranceValidationErrors => {
+  const errors: InsuranceValidationErrors = {};
+
+  if (!draft.policyId) {
+    errors.policyId = 'Choose a policy to continue.';
+  }
+
+  if (!draft.reason.trim()) {
+    errors.reason = 'Claim reason is required.';
+  }
+
+  if (!isValidDateInput(draft.eventDate)) {
+    errors.eventDate = 'Use YYYY-MM-DD for event date.';
+  }
+
+  if (!draft.amount.trim() || Number(draft.amount) <= 0) {
+    errors.amount = 'Enter a valid claim amount.';
+  }
+
+  if (!draft.description.trim()) {
+    errors.description = 'Brief claim details are required.';
+  }
+
+  if (!draft.documentIds.length) {
+    errors.documents = 'Upload at least one supporting document.';
+  }
+
+  return errors;
+};
+
+export const validateInsuranceOtp = (otp: string) =>
+  isValidOtp(otp) ? undefined : 'Enter the 6-digit OTP.';
+
+export const validateInsuranceDocumentUpload = (
+  name: string,
+  sizeKb: number,
+  type: InsuranceDocumentType,
+) => {
+  if (!name.trim()) {
+    return 'Document name is required.';
+  }
+
+  if (sizeKb <= 0 || sizeKb > 10240) {
+    return 'File size should be between 1 KB and 10 MB.';
+  }
+
+  if (!type) {
+    return 'Document type is required.';
+  }
+
+  return undefined;
+};