A sprained ankle
The family held two accident policies with different roles. At the clinic it was unclear which hospital tier applied — one case was settled by goodwill, which is not a plan for next time.
English
Panda Studio builds consumer software. We are a one-person limited company (OPC) shipping a small product line — starting with tools that help households understand coverage they already own, not selling insurance.
Two real incidents showed the gap between “having a policy” and “being able to use it when it matters.”
The family held two accident policies with different roles. At the clinic it was unclear which hospital tier applied — one case was settled by goodwill, which is not a plan for next time.
If the person who normally manages the household’s policies cannot help in the moment, others are left staring at long PDFs — hospital rules, exclusions, and care paths are hard to find under stress.
Local policy archive + BYOK AI. Android & iOS. App ID studio.panda.policy.
Another consumer utility from the same studio — details when we are ready to share.
More tools planned; we will introduce them as each product matures.
中文
潘达工房做消费级软件。我们是一人有限责任公司(OPC),维护一小系列产品——从帮已有保单的家庭读懂、用上保障开始,不做保险销售。
两次真实经历,让我们看见「有保单」和「关键时刻用得上」之间的鸿沟。
家里配了两份意外险,职责分明;真崴脚时分工早已记不清,社区医院是否符合「二级及以上」也难即时判断——那一次靠通融,但不能指望下次。
家里平时整理保单的人一时顾不上时,其他人很难从几十页 PDF 里立刻找到医院等级、免责与就医路径——紧急时刻翻不动。
本地保单档案 + BYOK AI。Android / iOS。App ID studio.panda.policy。
同属消费级工具,细节将在准备就绪后介绍。
路线图上还有其他工具,会随产品成熟陆续推出。