Business Domain Connect
Track INS · nine-layer framework

Insurance domain knowledge for software teams

Turning risk into a product — how policies are priced, sold, serviced and claimed.

10 sessionsSession 01 freeEnglish & TeluguBDC-INS certificate
Start with Session 01 See the nine-layer framework

How the insurance business actually flows

Turning risk into a product — how policies are priced, sold, serviced and claimed. Every session in this track hangs off this one flow, so you always know which part of the business you are looking at.

  1. Product design
  2. Distribution
  3. Underwriting
  4. Policy issuance
  5. Servicing & renewal
  6. Claims

The nine layers of the Insurance domain

Every BDC track answers the same nine questions in the same order, so knowledge from one domain transfers to the next. Here is what each layer looks like in Insurance.

01 · D

Domain

Where are we?

Life, health and general insurers, agents, brokers, bancassurance partners, TPAs, reinsurers and the regulator.

02 · B

Business

How does it make money?

Collect premium, pay claims, invest the float. KPIs: loss ratio, combined ratio, persistency, claim turnaround time.

03 · P

Process

How does the work flow?

Quote → Underwrite → Bind & issue → Endorse → Renew → Claim (FNOL → assess → settle).

04 · S

System

Which applications run it?

Policy administration, rating engine, underwriting workbench, agent portal, billing, claims and document generation.

05 · A

Data

What information matters?

Party, policy, coverage, premium, risk object (vehicle, property, life), claim and reserve.

06 · I

Integration

How do systems talk?

Rating APIs, payment gateway, vehicle and identity verification, TPA and garage networks, reinsurance bordereaux.

07 · X

Transaction

Follow one, end to end.

Motor quote with IDV → Premium rated → Payment → Policy issued → Accident reported (FNOL) → Surveyor report → Cashless claim settled → No-claim bonus reset at renewal

08 · T

Testing

How do we prove it works?

Rating accuracy, back- and future-dated endorsements, renewal batches, document output and claims workflows.

09 · R

Real-world scenario

What happens on a live project?

A mid-term endorsement recalculates premium from policy start instead of the change date, over-charging thousands of customers. Find the date logic gap.

Sessions in the Insurance track

Ten sessions, one per framework layer, closing with a proctored certification assessment. Session 01 is free for everyone, in English and Telugu.

  1. INS-S01

    The Insurance Value Chain

    Upcoming

    How an insurer makes money by pooling risk, and the departments that make it work.

    • Premiums, claims and the combined ratio
    • Life, health and general insurance
    • Agents, brokers and bancassurance
    • Core systems of an insurer
    • Premium
    • Loss ratio
    • Broker
    • Core system
  2. INS-S02

    How Insurers Make Money

    Upcoming

    Collect premium, pay claims, invest the float — and the ratios that decide whether it works.

    • Premium, float and investment income
    • Loss ratio and combined ratio
    • Persistency and renewal retention
    • Claim turnaround time
    • Life, health and general insurance models
    • Combined ratio
    • Float
    • Persistency
    • TAT
  3. INS-S03

    Quote to Claim: The Policy Lifecycle

    Upcoming

    The end-to-end insurance process and the rules at each step.

    • Quote and underwriting
    • Binding, issuance and documents
    • Endorsements and mid-term changes
    • Renewals and lapses
    • FNOL, assessment and settlement
    • Quote
    • Underwriting
    • Endorsement
    • FNOL
  4. INS-S04

    Insurance Systems Landscape

    Upcoming

    Policy admin, rating, claims and everything around them.

    • Policy administration system
    • Rating engine and underwriting workbench
    • Agent and customer portals
    • Billing and collections
    • Claims and document generation
    • PAS
    • Rating
    • Portal
    • Claims
  5. INS-S05

    Insurance Data

    Upcoming

    The entities that a policy and a claim are built from.

    • Party, policy and coverage
    • Premium, instalments and commissions
    • Risk object: vehicle, property, life
    • Claim, reserve and recovery
    • Documents and evidence
    • Policy
    • Coverage
    • Reserve
    • Risk object
  6. INS-S06

    Insurance Integrations

    Upcoming

    The interfaces that connect an insurer to the outside world.

    • Rating and quote APIs
    • Payment gateways and mandates
    • TPA, garage and hospital networks
    • Identity and vehicle verification
    • Reinsurance bordereaux files
    • API
    • TPA
    • Bordereaux
    • Mandate
  7. INS-S07

    Follow One Motor Policy and Its Claim

    Upcoming

    A single policy traced from quote to claim settlement.

    • Quote with IDV and premium rated
    • Payment and policy issued
    • Accident reported (FNOL)
    • Surveyor report and assessment
    • Cashless settlement and NCB reset
    • IDV
    • FNOL
    • Surveyor
    • NCB
  8. INS-S08

    Testing Insurance Platforms

    Upcoming

    Where insurance software breaks, and how to prove it works.

    • Rating accuracy and premium calculation
    • Back-dated and future-dated endorsements
    • Renewal batch processing
    • Document output and templates
    • Claims workflow regression
    • Rating
    • Time travel
    • Batch
    • Regression
  9. INS-S09

    Real-World: The Endorsement That Over-Charged

    Upcoming

    A mid-term endorsement recalculates premium from policy start instead of the change date.

    • The customer complaints that started it
    • How the date logic went wrong
    • Thousands of policies affected
    • Refund and remediation effort
    • The test that would have caught it
    • Endorsement
    • Date logic
    • Remediation
    • Prevention
  10. INS-S10

    Insurance Certification Assessment

    Upcoming

    The whole insurance track in one place — a short recap video, then a proctored online assessment that applies all nine framework layers to a real-world scenario.

    • Nine-layer recap of the domain
    • The five things most people get wrong
    • 30 questions · 45 minutes · 70% to pass
    • Webcam-proctored, one question at a time
    • Certificate with a verifiable ID
    • Assessment
    • Certification
    • Proctored
    • Nine layers

Insurance terms you will hear on every project

The vocabulary that separates someone who can follow a insurance requirements discussion from someone who cannot.

  • Premium
  • Underwriting
  • FNOL
  • Endorsement
  • Reinsurance
  • IRDAI

Certified Insurance Domain Practitioner — BDC-INS

Finish the ten sessions, pass the online proctored assessment, and submit a scenario analysis to earn this domain's certificate. Each domain certifies separately.

Step 01

Learn

Watch every session in the Insurance track and work through the handbook, framework workbook and test scenario checklist.

Step 02

Assess

Sit the online domain assessment — proctored with webcam on, no copying, no switching tabs and no looking answers up.

Step 03

Certify

Submit a real-world scenario analysis and receive your BDC-INS certificate.

Enrolment

₹3,999₹5,999

Including GST · $59 outside India · launch price

One payment unlocks the whole Insurance track: all 10 sessions in English and Telugu, every handbook, workbook and deck, the proctored assessment and the BDC-INS certificate. Session 01 stays free for everyone. Taking more than one domain? Two are ₹9,999 and all seven tracks are ₹19,999 for a year.

Common questions

What is insurance domain knowledge, and why do QA and BA roles need it?

Turning risk into a product — how policies are priced, sold, serviced and claimed. Collect premium, pay claims, invest the float. KPIs: loss ratio, combined ratio, persistency, claim turnaround time. Without that picture, testers write cases against screens instead of against the business, requirements get read literally, and defects that matter most are the ones nobody thought to look for. This track gives you the business first and the systems second.

What does the Insurance track cover?

Ten sessions following the nine-layer BDC framework: 01 The Insurance Value Chain; 02 How Insurers Make Money; 03 Quote to Claim: The Policy Lifecycle; 04 Insurance Systems Landscape; 05 Insurance Data; 06 Insurance Integrations; 07 Follow One Motor Policy and Its Claim; 08 Testing Insurance Platforms; 09 Real-World: The Endorsement That Over-Charged; closing with the Insurance Certification Assessment.

Is the Insurance training free?

Session 01, the "at a glance" overview, is free for everyone in both English and Telugu. The remaining sessions, materials, assessment and certificate unlock when you enrol for this domain's certification, which costs ₹3,999 including GST, or $59 outside India — a launch price, down from ₹5,999. It is one payment for lifetime access to this domain — there is no subscription.

Are the sessions available in Telugu?

The website and the main sessions are in English. Separate Telugu explanation videos are published on the YouTube channel for released sessions, in conversational Telugu with technical terms left in English.

Who teaches these sessions?

Chandramouli Pasumarthy, Director of Quality Engineering and Delivery with 20+ years in the IT industry, leading QA and delivery for enterprise programmes across healthcare, retail, financial services, government and logistics.

Start the Insurance track

Session 01 is free. Create an account to keep your progress, download the summary notes, and get each new session as it releases.

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