Product catalog research: device, travel, warranty and mobile insurance (KR / US)
Research note, translated from the Korean design wiki. It records what was found before the catalog seed was designed; the seed itself is in data model §5.
- Date checked: 2026-09-21 (all rows)
- Method: Claude in Chrome was not connected ("Browser extension is not connected"). Every row comes from WebSearch / WebFetch plus local
pdftotext on public PDFs. No logins, no quote forms, no personal data entered.
- Source quality: [P] = primary (the provider's own page or PDF). [S] = secondary (a press article, retailer listing, review or comparison site). A WebFetch row was summarised by a small model. Where I could, I checked the numbers against the raw PDF text (AppleCare+, bolt, Himart).
1. Findings by market and product type
1.1 Korea: Mobile insurance (phone insurance)
| Field |
LG U+ Phone Swap Pass (폰교체 패스) (run by bolttech Korea) |
Samsung Care+ (삼성 케어플러스) smartphone (Loss/Damage family) |
| Provider |
LG U+ as distributor, with bolttech (uplus.bolttech.kr) as operator |
Samsung Electronics; the insurance is underwritten by a partner non-life insurer |
| Source |
[P] https://uplus.bolttech.kr/kr/service-details/plan-details?type=pass ; [S] https://www.insurancebusinessmag.com/asia/news/breaking-news/bolttech-expands-into-south-korea-with-lg-u-partnership-236653.aspx (2020-10-20) |
[P] https://www.samsungcareplus.co.kr/info/productInfo ; [P] https://www.samsungsvc.co.kr/solution/41090 |
| Covered events |
Device swap for damage, malfunction, wear or change of mind (cross-brand allowed). Unlimited repairs at official service centres with a fixed deductible. Loss is not clearly covered. |
Damage (unlimited claims), loss (1 per 365 days, 4–5 in total), battery replacement, cyber financial crime (up to ₩3,000,000), online-shopping fraud (up to ₩500,000) |
| Limits / deductible |
Swap with return: 18% of MSRP, minimum ₩50,000. Swap without return: 30% of MSRP, minimum ₩100,000 (50% in the first 3 months). 2 swaps, one of which may be non-return. |
Damage: 10–35% of repair cost, minimum ₩30,000. Loss: 25–30% of device MSRP. Fraud: 20% or ₩100,000, whichever is larger. |
| Eligibility |
Samsung Galaxy and iPhone on LG U+. Enrollment window not stated on the page. |
Galaxy only. Must enroll within 60 days of first call/activation. The "Damage+ After 60" ("파손+ After 60") variant allows enrollment on days 61–365 with a 7-day waiting period. Refurbished units cannot get loss cover. |
| Pricing model |
Monthly, by device-price tier: ₩5,990 (≤₩500k) · ₩7,990 (₩500k–1M) · ₩9,990 (₩1–1.5M) · ₩12,990 (₩1.5–2M) · ₩13,990 (₩2–2.5M) · ₩15,990 (>₩2.5M) · ₩13,990 (Fold/Flip) |
Monthly, by model: Loss/Damage ₩6,000–14,500 · Loss/Damage Premium ₩7,900–16,900 · Premium+ ₩9,500–19,900 · Damage ₩4,500–9,900 · Damage+ ₩5,000–11,800 |
| Term / start |
36 months |
24–60 months depending on product (smartphone commonly 36). Starts on enrollment. |
| Application fields |
Not published. Carrier line, device model and IMEI are implied. |
Device serial/IMEI, activation date and Samsung account (from the enrollment-guide page) |
Also seen (not tabled): SKT T All Care+5 (T올케어+5). [S] https://www.ajd.co.kr/… (2026-05-29) lists ₩8,100/month for Galaxy S25 and ₩7,400 for iPhone 16. The limit is the lower of purchase price or ₩1.5M. The deductible is 25–30% of the loss, minimum ₩30,000. Terms run up to 60 months, and enrollment must be within 60 days of activation. The official T world product pages returned error PRD0047 to the fetcher.
1.2 Korea: Device protection (non-phone devices)
| Field |
Samsung Care+ notebook/tablet (Damage / Damage+) |
AppleCare+ for Mac / iPad (Korea) |
| Provider |
Samsung Electronics / partner insurer |
Apple Korea; the damage cover is underwritten by AIG |
| Source |
[P] https://www.samsungcareplus.co.kr/info/productInfo |
[P] https://www.apple.com/kr/applecare/ ; [S] https://namu.wiki/w/AppleCare%20Protection%20Plan |
| Covered events |
Accidental damage (unlimited claims). Damage+ adds extended free repair. |
Accidental damage (unlimited incidents), extended hardware warranty, priority support. No theft or loss cover in Korea. |
| Limits / deductible |
10–35% of repair cost, minimum ₩30,000 |
Mac: screen or enclosure ₩79,000–120,000, other damage ₩239,000–370,000. iPad: screen ₩30,000, other ₩120,000. |
| Eligibility |
Galaxy Book / Galaxy Tab. Enrollment window within 60 days of purchase for smartphones; assumed the same for notebooks. |
Buy with the device or within 60 days of purchase. Apple Store may accept up to 1 year after purchase if the device passes inspection (namu.wiki). iPad eligible from 2025-09-10. |
| Pricing model |
Monthly. Notebook Damage ₩7,200–8,400, Damage+ ₩8,800–9,900. Tablet Damage ₩2,400–4,300, Damage+ ₩2,700–4,600. |
One-time, by model. KRW prices were not captured: the "All model prices" ("모든 모델 가격") table did not render in fetch. Secondary sources give roughly ₩100k–₩390k for Mac. |
| Term / start |
24–60 months (product dependent) |
Mac 3 years, iPad 2 years, from plan purchase |
| Application fields |
Serial number, purchase date, Samsung account |
Serial number, proof of purchase, Apple Account |
1.3 Korea: Extended warranty
| Field |
Himart Care (warranty-extension type), Lotte Hi-Mart (롯데하이마트) |
Coupang Ansim Care (쿠팡안심케어), Coupang |
| Provider |
Lotte Hi-Mart (seller), with Lotte Non-Life Insurance (롯데손해보험) as the partner for extended-warranty insurance |
Coupang, with Lotte Non-Life Insurance |
| Source |
[P] https://mstatic1.e-himart.co.kr/contents/content/upload/event/15532/MC/Himart_Care_Service_v11.pdf (terms v11) |
[P] https://news.coupang.com/archives/36517/ (press release 2024-03-04) |
| Covered events |
Repair of normal-use breakdowns after the manufacturer warranty ends. Covers parts, labour and transport. Unlimited claims until the total limit is used. |
Repair of breakdowns after the manufacturer warranty. Unlimited claims within the total limit. Customer negligence is excluded. |
| Limits / deductible |
Total limit by plan: ₩150k–₩5M. No deductible stated. |
Total limit ₩100k–₩5M (22 plans). No deductible stated. |
| Eligibility |
Must be bought together with the product; cannot be added after delivery. Personal use only (no corporate buyers). About 40 appliance/IT categories (fridge, TV, laptop, tablet, AC, …). |
Rocket-installation items (TV, fridge, washer, dryer, AC, massage chair, dishwasher) from Samsung, LG, TCL, Haier and Xiaomi |
| Pricing model |
One-time, by coverage limit: Care15 ₩4,000 · 30 ₩6,000 · 50 ₩7,000 · 75 ₩10,500 · 100 ₩14,000 · 150 ₩21,000 · 200 ₩28,000 · 250 ₩35,000 · 300 ₩42,000 · 350 ₩49,000 · 400 ₩56,000 · 500 ₩70,000. This is 1.4% of the limit from Care75 upward. |
One-time: ₩9,500 for a ₩1M limit, 3-year; ₩13,500 for ₩1M, 5-year. The release says premiums run about 1–2% of the limit. |
| Term / start |
Up to 5 years including the manufacturer warranty. The service starts on purchase or delivery date, but repair cover applies from the manufacturer-warranty end. |
Total 3 or 5 years including the manufacturer warranty |
| Application fields |
Product name, manufacturing number (serial), purchase date, full name, date of birth, phone number (listed in terms §2.6) |
Order-linked. Not published separately. |
Samsung Care+ for home appliances/TV was checked. Its current pages only sell cleaning, filter-care and relocation services, and show no warranty-extension prices, so it was dropped.
1.4 Korea: Travel protection (overseas travel insurance)
| Field |
KakaoPay Insurance overseas travel insurance |
DB Insurance Promy Direct overseas travel insurance (CM) |
| Provider |
KakaoPay Insurance |
DB Insurance |
| Source |
[P] https://contents.kakaopay.com/contents/2356 ; [S] https://kr.trip.com/insurance/provider/kakaopay/travel-insurance ; [S] https://www.insnews.co.kr/news/articleView.html?idxno=88132 (2025-12-24) |
[P] https://www.directdb.co.kr/contents/contents.do?rtnUrl=cms/product/ltmgnrl/ovsetrvrarc.cms.product |
| Covered events / limits |
Medical (injury and illness): DIY from ₩10M to ₩100M each. Accidental death up to ₩600M. Baggage damage/theft (loss excluded): ₩400k–₩2M, ₩200k per item. Flight delay (trip.com says 4 h+; KakaoPay page says from 2 h): up to ₩300k. Packages are Light, Basic and Plus. |
Overseas injury/illness medical expenses, liability and flight delay: up to the sum insured. Personal-belongings damage: ₩200k per item, ₩10,000 deductible. |
| Eligibility |
Applicant aged 19–99. Insured aged 0–99. Up to 10 people who share the same itinerary. Trip up to 89 days. Must depart from Korea. |
Age 19–79. Term 1–89 days (max 3 months). Travel-ban / war-risk countries (MOFA level 3–4) excluded. Occupational risk grades 2–3 and extreme sports excluded. |
| Pricing model |
Per trip, single premium. Sample: ₩1,850 for 4 days (Vietnam) with a ₩400k baggage-only cover, any age or gender. Trip.com shows "from ₩5,394". Discounts: 5% repeat customer, 5% for 2 people, 10% for 3 or more. 10% cashback (up to ₩30k) on safe return. |
Single premium (lump sum). Price behind quote form. |
| Term / start |
From leaving home until return. Can be bought up to departure; cover starts 3 h after purchase. |
Departure to return (1–89 days) |
| Application fields |
Departure date/time, return date, destination, each traveller's name, date of birth and gender, applicant phone |
Travel dates, destination, traveller date of birth/gender, purpose (quote form) |
1.5 US: Mobile insurance (phone)
| Field |
AppleCare+ with Theft and Loss (iPhone) |
Verizon Mobile Protect |
| Provider |
Apple (AppleCare+). Theft and loss insured by AIG. |
Verizon, administered by Asurion |
| Source |
[P] https://www.apple.com/legal/sales-support/applecare/applecareplus/2509/250909_applecareplus_us_tl_disclosures_non-ny.pdf (Sept 2025 disclosure) ; [P] https://www.apple.com/support/products/iphone/ |
[P] https://www.verizon.com/support/verizon-mobile-protect-faqs/ |
| Covered events |
Unlimited accidental damage, hardware repair, battery below 80%, theft and loss up to 2 claims per 12 months |
Cracked glass, accidental damage, loss, theft, malfunction. Unlimited claims per 12 months. |
| Limits / deductible |
Screen or back glass $29, other damage $99, theft/loss $149. Maximum per claim is the device retail price. |
Cracked-glass repair $0, damage replacement $99. Other fees vary by device (phoneclaim.com). $3,000 maximum device value per occurrence. |
| Eligibility |
US resident. Device bought new from Apple or an authorised reseller. Buy within 60 days of device purchase. Find My must be enabled. Claims within 60 days of the incident. |
Enroll within 30 days of activation, upgrade or BYOD, or during open enrollment (2026-09-03 to 11-01). Device health check: powers on, no screen damage, not reported lost. |
| Pricing model |
Monthly or annual or 24-month fixed, by model. iPhone 17/16/15: $11.99/mo, $119.99/yr, $219 per 24 mo. 17 Pro / Pro Max: $13.99 / $139.99 / $269. SE: $7.99 / $79.99 / $149. 16e: $9.99 / $99.99 / $189. |
Monthly: $16 or $19 per single device depending on device. Multi-device $38 (2), $57 (3), $68 (4–20). |
| Term / start |
Starts on plan purchase date. Monthly/annual renews until cancelled; fixed term ends at 24 months. |
Monthly, rolling |
| Application fields |
Device serial number, proof of purchase, Apple Account with Find My |
Verizon line / device (IMEI) and device health check |
Also seen: T-Mobile Protection<360>. Pages returned 403, so these numbers are [S] via Insurify/LegalClarity search snippets: $7–$26/mo by tier (Tier 6 = $26 from Mar 2026), Tier 5 damage $224 and loss/theft $179, $0 front-screen repair, up to 5 loss/theft claims per 12 months.
bolttech in the US: [P] http://protect.boltinsurance.com/wp-content/uploads/2022/12/Coverage-Details_Bolt-Mobile-Handset-Protection-MASTER-VERSION.pdf is a template "Coverage Details" for bolt Mobile Handset Protection. Administrator is Bolttech Device Protection Services LLC; obligor Ironwood Warranty; insurers Hornbeam / Lexington National. Its default placeholders: repair fee $49 / replacement fee $99 for phones under $500, $99 / $199 for phones $500 and up. Limits $1,000 per claim, $2,000 total, 2 claims per 12 months. Optional add-ons: accidental damage, shipping, battery. Fields: Plan #, purchase date, term, coverage start, wait period, auto-renew, monthly or installment. This is a useful schema reference but not a retail price.
1.6 US: Device protection (non-phone)
| Field |
Allstate Protection Plans: 2-Year Laptop with Accidents (sold at Target) |
Asurion Home+ |
| Provider |
Allstate Protection Plans (formerly SquareTrade) |
Asurion |
| Source |
[P-retail] https://www.target.com/p/2-year-laptops-protection-plan-with-accidents-coverage-1000-1499-99-allstate/-/A-51514183 ; https://www.target.com/p/allstate-2-year-laptops-protection-plan-with-accidents-coverage/-/A-51514192 ; terms [P] https://ebay.com/cdp/help/protection-plan/allstate_terms_us_04_2021 |
[P] https://www.asurion.com/homeplus/faq/ |
| Covered events |
Mechanical/electrical failure, drops, spills, screen, wear and tear. Loss, theft and intentional damage excluded. |
Breakdowns, and some damage by device type, for all eligible household electronics (TVs, laptops, routers, consoles, …) |
| Limits / deductible |
Up to the product purchase price. $0 deductible. |
$2,000 per claim, $5,000 per household per 12 months. Service fee $0 / $29 / $79 / $99 / $129 depending on item. |
| Eligibility |
Plan bought from the same retailer as the product. Product new or manufacturer-refurbished. Buy within 30 days of product purchase (Target/eBay help). Waiting period 0–30 days by state. |
Devices of any age, bought anywhere. Failures before day 31 are not covered. |
| Pricing model |
One-time, by device price band: $20 (laptop $75–99.99) · $130 (laptop $1,000–1,499.99). That is about 10% of the band midpoint at the high end. |
Monthly, flat: $34.99/mo for the household |
| Term / start |
24 months. Starts on the later of plan purchase or end of the waiting period, and runs alongside the manufacturer warranty. |
Monthly. Protection starts on day 31; tech support starts immediately. |
| Application fields |
Product purchase price band, purchase date, receipt, serial for claims |
Name, address, payment (only a login-gated sign-up; no public field list) |
1.7 US: Extended warranty
| Field |
Allstate 3-Year TV Protection Plan (Target) |
The Home Depot Protection Plan: Major Appliance (Allstate-administered) |
| Source |
[P-retail] https://www.target.com/p/allstate-3-year-tv-protection-plan/-/A-51505467 ; https://www.target.com/p/3-year-tv-protection-plan-1000-1249-99-allstate/-/A-51505485 |
[S] https://todayshomeowner.com/home-finances/reviews/home-depot-protection-plan/ (the homedepot.com product page returned 403) |
| Covered events |
Mechanical and electrical failure, normal wear and tear. No accident, loss or theft cover. In-home repair. |
Mechanical/electrical failure from normal use. Parts and labour. "No lemon" replacement after 2 repairs of the same issue. |
| Limits / deductible |
Up to purchase price. $0 deductible. |
Parts and labour. No deductible cited. Damage must be reported within 30 days. |
| Eligibility |
TV price band must match. Buy within 30 days (Allstate/Target help). Full refund if cancelled within 30 days. |
Buy within 90 days of product purchase. Residential appliances only. |
| Pricing model |
One-time, by TV price band: $75 ($500–599.99), $100 ($1,000–1,249.99). About 13.6% and 8.9% of band midpoint. |
One-time by price band and term. Low band ($0–299.99): $50 for 3 years, $75 for 5 years. The review wrote "/year", which is ambiguous. Top band up to $325 (3-yr) or $595 (5-yr). |
| Term / start |
3 years from date of purchase, running alongside the manufacturer warranty |
3 or 5 years. Coverage starts after the manufacturer warranty ends. |
| Application fields |
Product price band, purchase date, receipt |
Product SKU, purchase date, receipt |
1.8 US: Travel protection
| Field |
Allianz Travel OneTrip Prime |
World Nomads Standard (US residents) |
| Source |
[P] https://www.allianztravelinsurance.com/find-a-plan/onetrip-prime.htm ; sample price [S] https://www.moneygeek.com/insurance/travel/allianz-travel-insurance-review/ |
[P] https://www.worldnomads.com/usa/travel-insurance/whats-covered/plan-comparison ; sample price [S] https://www.nerdwallet.com/travel/learn/world-nomads-travel-insurance-explained |
| Covered events / limits (per traveller) |
Trip cancellation $100,000, interruption $150,000, trip-change protector $500, emergency medical $50,000 (dental $750), emergency transport $500,000, baggage loss/damage $1,000, baggage delay $300, travel delay $800 ($200/day), epidemic coverage |
Trip cancellation $2,500, interruption $2,500, emergency medical $125,000 (varies by state), evacuation $400,000, baggage $1,000, baggage delay up to $750, trip delay up to $1,000. Covers 250+ adventure activities. Cancel For Any Reason is an optional add-on. |
| Deductible |
Not stated ($0 on the page) |
Not stated |
| Eligibility |
US residents. Trip up to 180 days. Kids aged 17 and under covered free with a parent or grandparent (not in PA). Pre-existing-condition waiver if the full trip cost is insured within 14 days of first payment. |
US residents. Cover begins more than 100 miles from home. Pre-existing conditions excluded (waiver time-sensitive, Explorer only). |
| Pricing model |
Per trip, priced on trip cost, traveller age, destination and state. Sample: $98–184 for a $2,500, 7-day trip, age 30, across Allianz OneTrip tiers, roughly 4–7% of trip cost. |
Per trip, priced on state, age, dates and destination. Sample: $84 for a 7-day trip (NerdWallet), about $12 per day. |
| Term / start |
Departure to return. Cancellation cover starts when the plan is bought. |
Departure to return |
| Application fields (quote form) |
Destination, departure/return dates, plan start date, each traveller's age, state of residence, total trip cost |
Country/state of residence, destination(s), dates, traveller ages |
1.9 bolttech's public presence (KR / US)
- Korea: yes. bolttech set up a Korean subsidiary in Oct 2020 and runs LG U+ Phone Swap Pass (device swap / protection) at uplus.bolttech.kr. That is the §1.1 product and the best real anchor for a bolttech KR seed.
- US: yes, as an administrator. "bolt" device protection launched in the US in June 2022 with Chat Mobility (Iowa), per [P] https://bolttech.io/news/bolt-launches-device-protection-in-the-united-states/. There is a public template Coverage Details PDF (§1.5). bolttech.io also markets embedded travel and consumer-electronics protection, but no public retail price list for the US turned up. An Allianz Partners x bolttech partnership covers embedded device and appliance protection in APAC and the US ([S] insurancebusinessmag.com).
2. Proposed seed catalog
Tags: (o) = observed from a cited source. (d) = derived, i.e. my assumption. Money is in minor units: KRW has no minor unit; USD is in cents.
Schema caveat: the rating enum has no billing period. I added billing_period (MONTHLY | ONE_TIME | PER_TRIP) as a suggested extra field, marked (d). Without it, a monthly phone premium and a one-time warranty premium look the same.
2.1 KR · MOBILE_INSURANCE: KR-MOB-UPLUS-SWAP100
product_code: KR-MOB-UPLUS-SWAP100 # (d)
product_type: MOBILE_INSURANCE
marketing_name: "Phone Swap Pass 100 (LG U+ × bolttech)" # (o)
insurable_object_type: DEVICE
currency: KRW
jurisdictions: ["KR"]
coverages:
- {code: SWAP_WITH_RETURN, name: "Damage/breakdown swap (with return)", limit_minor: 1000000, deductible_minor: 50000} # limit=(d) tier ceiling; deductible=(o) min of 18% MSRP
- {code: SWAP_WITHOUT_RETURN, name: "Swap (without return)", limit_minor: 1000000, deductible_minor: 100000} # (o) min of 30% MSRP
- {code: DAMAGE_REPAIR, name: "Damage repair at official centre", limit_minor: 1000000, deductible_minor: 50000} # limit (d); deductible (d) - "fixed deductible" (o) but amount not captured
rating: {method: PERCENT_OF_PURCHASE_PRICE, rate: 0.0080, min_premium_minor: 5990} # (d) 7,990 / 1,000,000 tier ceiling; min=(o) lowest tier fee
billing_period: MONTHLY # (o)
default_term: {length: 36, unit: MONTH, starts: NEXT_DAY} # length (o); start (d)
required_application_fields: [imei, device_model, device_msrp, activation_date, carrier_line_number, holder_name, holder_birth_date] # (d)
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| INSURABLE_OBJECT |
brand |
IN |
["SAMSUNG","APPLE"] |
DEVICE_BRAND_NOT_SUPPORTED |
Galaxy and iPhone only (o) |
| INSURABLE_OBJECT |
device_msrp |
LTE |
1000000 |
DEVICE_PRICE_OUT_OF_TIER |
Tier "100" covers ₩500k–₩1M (o) |
| INSURABLE_OBJECT |
device_msrp |
GTE |
500001 |
DEVICE_PRICE_OUT_OF_TIER |
Lower bound of tier "100" (o) |
| PARTY |
carrier |
EQ |
"LGU+" |
CARRIER_NOT_ELIGIBLE |
Sold to LG U+ subscribers (o) |
| INSURABLE_OBJECT |
activation_date |
WITHIN_DAYS |
30 |
ENROLLMENT_WINDOW_EXPIRED |
Window not published; 30 days follows carrier norms (d) |
| INSURABLE_OBJECT |
has_existing_damage |
EQ |
false |
PRE_EXISTING_DAMAGE |
Must be undamaged at enrollment (d, KR carrier norm) |
2.2 KR · DEVICE_PROTECTION: KR-DEV-SCP-NB-DMG
product_code: KR-DEV-SCP-NB-DMG # (d)
product_type: DEVICE_PROTECTION
marketing_name: "Samsung Care+ Notebook Damage" # (o)
insurable_object_type: DEVICE
currency: KRW
jurisdictions: ["KR"]
coverages:
- {code: ACCIDENTAL_DAMAGE, name: "Damage repair", limit_minor: 2000000, deductible_minor: 30000} # limit (d); deductible min (o) (actual: 10–35% of repair, min ₩30,000)
rating: {method: PERCENT_OF_PURCHASE_PRICE, rate: 0.0050, min_premium_minor: 7200} # rate (d) ≈ ₩8,000 / ₩1.6M notebook; min (o)
billing_period: MONTHLY # (o)
default_term: {length: 36, unit: MONTH, starts: NEXT_DAY} # (d) product range is 24–60 months (o)
required_application_fields: [serial_number, device_model, purchase_date, purchase_price, samsung_account_id] # (d)
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| INSURABLE_OBJECT |
brand |
EQ |
"SAMSUNG" |
DEVICE_BRAND_NOT_SUPPORTED |
Galaxy devices only (o) |
| INSURABLE_OBJECT |
device_category |
EQ |
"NOTEBOOK" |
DEVICE_CATEGORY_MISMATCH |
Notebook plan (o) |
| INSURABLE_OBJECT |
purchase_date |
WITHIN_DAYS |
60 |
ENROLLMENT_WINDOW_EXPIRED |
60-day window (o for smartphone, d for notebook) |
| INSURABLE_OBJECT |
is_refurbished |
EQ |
false |
REFURBISHED_NOT_ELIGIBLE |
Refurbished units are excluded from loss cover (o); applied to all cover (d) |
2.3 KR · EXTENDED_WARRANTY: KR-EW-HIMART-CARE
product_code: KR-EW-HIMART-CARE # (d)
product_type: EXTENDED_WARRANTY
marketing_name: "Himart Care (warranty-extension type)" # (o)
insurable_object_type: DEVICE
currency: KRW
jurisdictions: ["KR"]
coverages:
- {code: MECHANICAL_BREAKDOWN, name: "Breakdown repair after free warranty", limit_minor: 1000000, deductible_minor: 0} # limit = plan "Care100" (o); deductible 0 (o, none stated)
rating: {method: PERCENT_OF_PURCHASE_PRICE, rate: 0.014, min_premium_minor: 4000} # (o) 1.4% of limit (Care75+), min = Care15 fee; limit≈price is (d)
billing_period: ONE_TIME # (o)
default_term: {length: 5, unit: YEAR, starts: WARRANTY_END} # (o) "up to 5 yrs incl. mfr warranty; repair cover after warranty end"
required_application_fields: [product_name, serial_number, purchase_date, holder_name, holder_birth_date, holder_phone] # (o) terms §2.6
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| INSURABLE_OBJECT |
purchase_date |
WITHIN_DAYS |
0 |
MUST_BUY_WITH_PRODUCT |
Must be bought together with the product; not after delivery (o) |
| INSURABLE_OBJECT |
device_category |
IN |
["FRIDGE","WASHER","DRYER","TV","LAPTOP","TABLET","AIRCON","DISHWASHER","DESKTOP"] |
CATEGORY_NOT_ELIGIBLE |
Subset of the ~40 eligible categories (o) |
| PARTY |
customer_type |
EQ |
"INDIVIDUAL" |
CORPORATE_NOT_ELIGIBLE |
Personal use only (o) |
| INSURABLE_OBJECT |
purchase_price |
LTE |
5000000 |
PRICE_ABOVE_MAX_LIMIT |
Highest plan limit is ₩5M (o) |
2.4 KR · TRAVEL_PROTECTION: KR-TRV-KAKAO-BASIC
product_code: KR-TRV-KAKAO-BASIC # (d)
product_type: TRAVEL_PROTECTION
marketing_name: "KakaoPay Insurance Overseas Travel Insurance (Basic)" # (o) name; tier choice (d)
insurable_object_type: TRIP
currency: KRW
jurisdictions: ["KR"]
coverages:
- {code: OVERSEAS_MEDICAL_INJURY, name: "Overseas injury medical expenses", limit_minor: 30000000, deductible_minor: 0} # range 10M–100M (o); 30M (d)
- {code: OVERSEAS_MEDICAL_ILLNESS, name: "Overseas illness medical expenses", limit_minor: 30000000, deductible_minor: 0} # (o range / d value)
- {code: BAGGAGE_DAMAGE, name: "Personal-belongings damage (loss excluded, ₩200k per item)", limit_minor: 400000, deductible_minor: 10000} # limit (o); deductible (d, industry norm seen at DB)
- {code: FLIGHT_DELAY, name: "Flight delay", limit_minor: 300000, deductible_minor: 0} # (o)
rating: {method: PER_TRIP_DAY, rate: 1350, min_premium_minor: 1850} # rate (d) ≈ ₩5,394 "from" / 4 days; min (o) ₩1,850 sample
billing_period: PER_TRIP # (o)
default_term: {length: 0, unit: DAY, starts: TRIP_DEPARTURE} # length = trip length (o: home-departure to return)
required_application_fields: [departure_datetime, return_datetime, destination_country, traveller_names, traveller_birth_dates, traveller_genders, applicant_phone] # (o/d)
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| PARTY |
applicant_age |
GTE |
19 |
APPLICANT_UNDERAGE |
Applicant aged 19–99 (o) |
| PARTY |
insured_age |
LTE |
99 |
INSURED_AGE_OUT_OF_RANGE |
Insured aged 0–99 (o) |
| NEEDS_ASSESSMENT |
trip_length_days |
LTE |
89 |
TRIP_TOO_LONG |
Max 89 days (o) |
| NEEDS_ASSESSMENT |
departure_country |
EQ |
"KR" |
MUST_DEPART_FROM_KR |
Departure from Korea only (o) |
| NEEDS_ASSESSMENT |
destination_travel_alert_level |
LTE |
2 |
DESTINATION_EXCLUDED |
MOFA level 3–4 excluded (o at DB; d for Kakao) |
| NEEDS_ASSESSMENT |
traveller_count |
LTE |
10 |
TOO_MANY_TRAVELLERS |
Up to 10 people per policy (o) |
| NEEDS_ASSESSMENT |
departure_datetime |
WITHIN_DAYS |
0 |
ALREADY_DEPARTED |
Must buy before departure (o) |
2.5 US · MOBILE_INSURANCE: US-MOB-ACPLUS-TL-STD
product_code: US-MOB-ACPLUS-TL-STD # (d)
product_type: MOBILE_INSURANCE
marketing_name: "AppleCare+ with Theft and Loss (iPhone 17/16/15)" # (o)
insurable_object_type: DEVICE
currency: USD
jurisdictions: ["US"]
coverages:
- {code: SCREEN_OR_BACK_GLASS, name: "Screen or back glass damage", limit_minor: 79900, deductible_minor: 2900} # limit = device retail (o rule, d value $799)
- {code: ACCIDENTAL_DAMAGE, name: "Other accidental damage", limit_minor: 79900, deductible_minor: 9900} # (o)
- {code: THEFT_LOSS, name: "Theft or loss (2 per 12 mo)", limit_minor: 79900, deductible_minor: 14900} # (o)
- {code: MECHANICAL_BREAKDOWN, name: "Hardware + battery <80%", limit_minor: 79900, deductible_minor: 0} # (o)
rating: {method: FLAT, rate: 1199, min_premium_minor: 1199} # (o) $11.99/month
billing_period: MONTHLY # (o) (alt: $219 fixed 24-month)
default_term: {length: 1, unit: MONTH, starts: NEXT_DAY} # (o) auto-renews; actual start = plan purchase date (enum lacks PURCHASE_DATE)
required_application_fields: [serial_number, device_model, purchase_date, proof_of_purchase, apple_account_id, find_my_enabled, state_of_residence] # (o)/(d)
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| INSURABLE_OBJECT |
purchase_date |
WITHIN_DAYS |
60 |
ENROLLMENT_WINDOW_EXPIRED |
Buy within 60 days of iPhone purchase (o) |
| INSURABLE_OBJECT |
find_my_enabled |
EQ |
true |
FIND_MY_REQUIRED |
Needed for theft/loss (o) |
| INSURABLE_OBJECT |
condition |
EQ |
"NEW" |
DEVICE_NOT_NEW |
Bought new from Apple or an authorised reseller (o) |
| PARTY |
residence_country |
EQ |
"US" |
NON_US_RESIDENT |
US residents (o) |
| PARTY |
residence_state |
IN |
[all states except "NY"] |
STATE_SEPARATE_FILING |
NY has a separate disclosure (o); exclusion is (d) |
2.6 US · DEVICE_PROTECTION: US-DEV-ALLSTATE-LAPTOP-ADH-2Y
product_code: US-DEV-ALLSTATE-LAPTOP-ADH-2Y # (d)
product_type: DEVICE_PROTECTION
marketing_name: "Allstate 2-Year Laptop Protection Plan with Accidents" # (o)
insurable_object_type: DEVICE
currency: USD
jurisdictions: ["US"]
coverages:
- {code: ACCIDENTAL_DAMAGE, name: "Drops, spills, screen", limit_minor: 149999, deductible_minor: 0} # limit = purchase price (o rule), band max (d)
- {code: MECHANICAL_BREAKDOWN, name: "Mechanical/electrical failure", limit_minor: 149999, deductible_minor: 0} # (o)
rating: {method: PERCENT_OF_PURCHASE_PRICE, rate: 0.104, min_premium_minor: 2000} # rate (d) = $130 / $1,250 band midpoint; min (o) $20 lowest band
billing_period: ONE_TIME # (o)
default_term: {length: 24, unit: MONTH, starts: NEXT_DAY} # length (o); start = later of purchase or state wait period (o) → NEXT_DAY (d)
required_application_fields: [device_category, purchase_price, purchase_date, retailer_order_id, serial_number, state_of_residence] # (d)
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| INSURABLE_OBJECT |
purchase_date |
WITHIN_DAYS |
30 |
ENROLLMENT_WINDOW_EXPIRED |
Buy within 30 days of product purchase (o) |
| INSURABLE_OBJECT |
purchase_price |
GTE |
100000 |
DEVICE_PRICE_OUT_OF_BAND |
Band $1,000–1,499.99 (o) |
| INSURABLE_OBJECT |
purchase_price |
LTE |
149999 |
DEVICE_PRICE_OUT_OF_BAND |
Band upper bound (o) |
| INSURABLE_OBJECT |
condition |
IN |
["NEW","MFR_REFURBISHED"] |
DEVICE_CONDITION_INELIGIBLE |
New or manufacturer-refurbished (o) |
| PARTY |
residence_country |
EQ |
"US" |
NON_US_RESIDENT |
US plan (d) |
2.7 US · EXTENDED_WARRANTY: US-EW-ALLSTATE-TV-3Y
product_code: US-EW-ALLSTATE-TV-3Y # (d)
product_type: EXTENDED_WARRANTY
marketing_name: "Allstate 3-Year TV Protection Plan" # (o)
insurable_object_type: DEVICE
currency: USD
jurisdictions: ["US"]
coverages:
- {code: MECHANICAL_BREAKDOWN, name: "Mechanical & electrical failure incl. wear and tear", limit_minor: 124999, deductible_minor: 0} # (o) $0 deductible; limit = purchase price, band max (d)
rating: {method: PERCENT_OF_PURCHASE_PRICE, rate: 0.09, min_premium_minor: 7500} # rate (d) ≈ $100/$1,125; min (o) $75 for the $500–599.99 band
billing_period: ONE_TIME # (o)
default_term: {length: 3, unit: YEAR, starts: NEXT_DAY} # (o) "3 years from date of purchase", concurrent with mfr warranty
required_application_fields: [device_category, purchase_price, purchase_date, retailer_order_id, serial_number] # (d)
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| INSURABLE_OBJECT |
device_category |
EQ |
"TV" |
DEVICE_CATEGORY_MISMATCH |
TV plan (o) |
| INSURABLE_OBJECT |
purchase_date |
WITHIN_DAYS |
30 |
ENROLLMENT_WINDOW_EXPIRED |
30-day purchase window (o, Allstate/Target help) |
| INSURABLE_OBJECT |
purchase_price |
LTE |
124999 |
DEVICE_PRICE_OUT_OF_BAND |
Band $1,000–1,249.99 (o) |
| INSURABLE_OBJECT |
usage |
EQ |
"RESIDENTIAL" |
COMMERCIAL_USE_EXCLUDED |
Commercial use excluded (o, Allstate coverage FAQ) |
Alternative with starts: WARRANTY_END: Home Depot Major Appliance plan (3 or 5 years, 90-day window). See §1.7.
2.8 US · TRAVEL_PROTECTION: US-TRV-ALLIANZ-ONETRIP-PRIME
product_code: US-TRV-ALLIANZ-ONETRIP-PRIME # (d)
product_type: TRAVEL_PROTECTION
marketing_name: "Allianz OneTrip Prime" # (o)
insurable_object_type: TRIP
currency: USD
jurisdictions: ["US"]
coverages:
- {code: TRIP_CANCELLATION, name: "Trip cancellation", limit_minor: 10000000, deductible_minor: 0} # (o) $100,000
- {code: TRIP_INTERRUPTION, name: "Trip interruption", limit_minor: 15000000, deductible_minor: 0} # (o) $150,000
- {code: EMERGENCY_MEDICAL, name: "Emergency medical", limit_minor: 5000000, deductible_minor: 0} # (o) $50,000
- {code: EMERGENCY_TRANSPORT, name: "Emergency medical transportation", limit_minor: 50000000, deductible_minor: 0} # (o) $500,000
- {code: BAGGAGE_LOSS, name: "Baggage loss/damage", limit_minor: 100000, deductible_minor: 0} # (o) $1,000
- {code: BAGGAGE_DELAY, name: "Baggage delay", limit_minor: 30000, deductible_minor: 0} # (o) $300
- {code: TRAVEL_DELAY, name: "Travel delay ($200/day)", limit_minor: 80000, deductible_minor: 0} # (o) $800
rating: {method: PERCENT_OF_PURCHASE_PRICE, rate: 0.06, min_premium_minor: 5000} # (d) % of insured trip cost; sample 4–7% (s); min (d)
billing_period: PER_TRIP # (o)
default_term: {length: 0, unit: DAY, starts: TRIP_DEPARTURE} # (o) departure→return; cancellation cover from purchase
required_application_fields: [destination_country, departure_date, return_date, traveller_ages, state_of_residence, total_trip_cost, first_trip_payment_date] # (o) quote fields + (d) payment date
| subject |
attribute |
operator |
value |
failure_reason_code |
description |
| PARTY |
residence_country |
EQ |
"US" |
NON_US_RESIDENT |
US residents only (o) |
| NEEDS_ASSESSMENT |
trip_length_days |
LTE |
180 |
TRIP_TOO_LONG |
Max 180 days (o) |
| NEEDS_ASSESSMENT |
first_trip_payment_date |
WITHIN_DAYS |
14 |
PRE_EX_WAIVER_LOST |
Pre-existing waiver needs purchase within 14 days of first payment (o); treated as a warning (d) |
| PARTY |
insured_age |
LTE |
17 |
CHILD_FREE_RULE |
Kids aged ≤17 free with a parent or grandparent; this is a pricing rule, not a rejection (o) |
| NEEDS_ASSESSMENT |
destination_country |
IN |
[not "US"] |
DOMESTIC_TRIP_DIFFERENT_PLAN |
Assume an international plan (d) |
3. Gaps and caveats
- Chrome was not used. The extension was not connected, so everything came from WebSearch/WebFetch. WebFetch returns a model summary; figures from PDFs were checked against raw text, but HTML-page figures were not.
- Blocked or empty pages: T-Mobile (403), Home Depot product page (403), Amazon (500), SKT T world product pages (error PRD0047), Apple Korea price tables (did not render), Samsung Fire / Hyundai Marine direct pages (JS-only or reset). Travel prices at DB, Samsung Fire, Hyundai and Allianz are behind quote forms. Allianz, World Nomads and T-Mobile numbers are from secondary reviews.
- AppleCare+ Korea KRW prices were not captured. Only service fees and the 60-day window were.
- LG U+ Phone Swap Pass: the enrollment window and the fixed repair deductible are not published on the page read. The 18% / 30% swap-fee split came from a summariser, so check it on the live page before relying on it.
- KakaoPay flight-delay trigger conflicts between sources: 2 hours (KakaoPay content) versus 4 hours (trip.com). Coverage tiers changed on 2025-12-24.
- Home Depot plan prices from the review say "/year", which almost certainly means the total plan price. Treat them as unverified.
- Samsung Care+ for home appliances/TV no longer shows public extended-warranty pricing (only cleaning, filter and relocation), so it was replaced by Himart Care and Coupang Ansim Care.
- Pricing patterns seen:
- Phone cover is monthly by device tier or model: KR ₩4.5k–₩20k, US $8–$26.
- Extended warranties and non-phone device plans are one-time by price band. KR is about 1–2% of the coverage limit for post-warranty-only cover. US Allstate is about 9–14% of price because it runs from purchase and includes accidents.
- Travel is per trip. KR is DIY-modular and very cheap (from ₩1,850). US is priced on trip cost and age, roughly 4–7% of trip cost.
- The seed schema's single
rate cannot express tier tables exactly. Consider a rating.tiers[] option and a billing_period field.
- Seed
limit_minor values for device products are set to the band or tier ceiling. Real contracts cap payouts at the device purchase price or retail value.
- Missing
starts enum value: none of the products actually starts NEXT_DAY. Most start on the plan purchase date (AppleCare, Allstate) or on delivery or installation date (Himart). Consider adding PURCHASE_DATE.