// ACC-Insurance: 资产保险协议
// NAC 原生协议 - Charter 语言定义
// UID: nac.acc.ACCInsuranceProtocol.v1

protocol ACCInsuranceProtocol {
    // 注入保险资金池
    fn fund_pool(amount: u128) -> ();
    // 签发保险单
    fn issue_policy(
        asset_id: Hash, insured: Address, insurer: Address,
        insurance_type: InsuranceType, coverage_amount: u128,
        premium_rate_bps: u16, duration_secs: u64, constitutional_receipt: Hash
    ) -> Result<Hash, Error>;
    // 提交理赔申请
    fn submit_claim(
        policy_id: Hash, claimant: Address, claim_amount: u128,
        claim_reason: String, evidence_hash: Hash, constitutional_receipt: Hash
    ) -> Result<Hash, Error>;
    // 支付理赔（返回实际支付金额）
    fn pay_claim(claim_id: Hash, constitutional_receipt: Hash) -> Result<u128, Error>;
    // 查询保险单
    fn get_policy(policy_id: Hash) -> Option<InsurancePolicy>;
}