Design an insurance-package aggregation service across providers and countries

Context Multiplier wants to offer insurance options to companies onboarding new employees in specific countries. It must integrate with multiple insurance providers to fetch the packages they offer.

Requirements Providers have different levels of tech capability — some expose an API to call, some drop package files on FTP, some email the packages to Multiplier, and some have no integration at all (must be scraped from their website). Design a high-level solution that (1) provides all available insurance packages for a given country in a common format, and (2) is easily extensible so new providers can be added with minimal changes.

Key components

• Provider-adapter / strategy pattern per ingestion mechanism (API, FTP, email, scraper).
• A normalization layer mapping each provider's format to a common package schema.
• Scheduling / polling vs push ingestion, plus storage and country-based querying.

Deep dives / trade-offs

• Onboarding a new provider with minimal code change (pluggable adapters).
• Freshness vs cost of polling; handling provider outages and partial data.
• Data quality and reconciliation across heterogeneous sources.