Insurance

Every issued license automatically creates an InsurancePolicy with an auto-generated policy number, the tenant's configured provider, coverage amount, and an optional link to a group policy. The tenant InsuranceConfig defines coverage_type, default_coverage_amount, provider contact email, and provider API endpoint — so each federation can plug in its own insurer (MAIF in France, Folksam in Sweden, ARAG in Germany, etc.) without code changes. When the license is issued, the policy is created in the same transaction so liability cover is never lost between license activation and policy creation.

Optional add-ons are modelled as InsuranceAddonSubscription records linked to an addon_code that must exist in the tenant's InsuranceConfig.optional_addons catalogue. Premium amounts are pulled from the InsuranceAddon definition and a constraint enforces one active subscription per player per addon per season; subscribe and cancel endpoints handle the lifecycle. Insurance certificates — used by players when traveling abroad or by clubs when submitting documentation — are generated via a single endpoint that returns policy number, addon coverages, group policy number, and coverage amount (from the policy or the tenant default), giving the PDF renderer everything it needs.

Claims run through a proper workflow: submitted → under_review → approved or rejected → paid. Claims are gated per tenant (claims_enabled flag); each claim carries ClaimDocument attachments and a ClaimStatusChange audit trail. Invalid status transitions return HTTP 409. The review endpoint records approved_amount, paid_amount, and the provider_claim_reference so the trail is complete from initial submission to insurance-company settlement.

Group insurance is modelled by GroupInsurancePolicy at club, district, or federation level: when individual policies link to a group policy, the group's member count is auto-incremented; coverage per member, renewal management, and member listing endpoints round out the model. Provider integration uses InsuranceProviderExport to track batch exports of policies, claims, renewals, and cancellations in CSV, XML, or JSON, with provider acknowledgement workflow, file URL generation, and provider_reference tracking — so the integration to the insurer is auditable end to end.