// Active Policy Record — #P-8821
{
  "policy_id": "P-8821",
  "rider": {
    "id": "R-44821",
    "name": "Rahul Singh",
    "phone": "+91 98765 43210",
    "aadhaar_last4": "7821",
    "upi_handle": "rahul.singh@upi"
  },
  "plan": "standard",
  "zone": "Mumbai West Zone 3",
  "platform": "swiggy",
  "premium_daily": 18.40,
  "risk_score": 4.2,
  "coverage": {
    "max_amount": 200000,
    "rain_payout": 2400,
    "aqi_payout": 1800,
    "heatwave_payout": 1200
  },
  "triggers_active": {
    "rain": true,
    "aqi": true,
    "cyclone": false,
    "heatwave": false
  },
  "status": "active",
  "issued_at": "2025-01-01T00:00:00Z",
  "expires_at": "2025-12-31T23:59:59Z",
  "total_claims": 2,
  "total_payout": 4800
}