feat: 실제 동작하는 백엔드 + DB + 카카오 로그인

Backend (server/): - Fastify + Prisma + PostgreSQL 16 - JWT 인증 (bcrypt) + 카카오 OAuth (/auth/kakao — kapi.kakao.com 호출) - REST API: auth, users, family, policies, claims, score, notifications, diagnosis, consults - 실제 보험점수 알고리즘 (카테고리별 가중치·최소보장 기반) - Multipart 업로드 (영수증/진단서 → 디스크 persistence) - Swagger UI /docs Client: - api/client.ts + api/endpoints.ts (fetch 래퍼 + AsyncStorage 토큰) - 인증 스토어 (hydrate/login/register/kakao/logout) - 로그인/회원가입 화면 + 카카오 버튼 - 홈/내보험/가족/점수/청구 API 연동 (pull-to-refresh) - 보험 추가 모달 + 가족 구성원 추가 모달 - 로그인 전/후 스택 분기 (RootNavigator) Infra: - docker-compose.yml (로컬 Postgres+API) - server/Dockerfile (Prisma migrate deploy + node) - deploy/k8s/postgres.yaml (StatefulSet + 10Gi PVC) - deploy/k8s/api.yaml (Deployment + Ingress api.insurance.junggomoa.com) - CI workflow 확장 (web + api 동시 빌드·배포) - POSTGRES_PASSWORD / JWT_SECRET Gitea Secrets 추가 필요 - 반응형 웹 레이아웃 (max-width 480px 폰 프레임) Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>
2026-04-23 00:32:44 +09:00
parent 035eb0259f
commit f78949c21a
50 changed files with 7006 additions and 826 deletions
@@ -2,14 +2,14 @@ name: Build & Deploy

 on:
  push:
-    branches:
-      - master
-      - main
+    branches: [master, main]
  workflow_dispatch:

 env:
  REGISTRY: git.junggomoa.com
-  IMAGE_NAME: chpark/insurance
+  WEB_IMAGE: chpark/insurance
+  API_IMAGE: chpark/insurance-api
+  API_BASE_URL: https://api.insurance.junggomoa.com

 jobs:
  build-and-deploy:
@@ -31,16 +31,31 @@ jobs:
          username: ${{ secrets.REGISTRY_USER }}
          password: ${{ secrets.REGISTRY_TOKEN }}

-      - name: Build and push image
+      - name: Build & push WEB image
        uses: docker/build-push-action@v5
        with:
          context: .
+          file: ./Dockerfile
+          build-args: |
+            EXPO_PUBLIC_API_BASE=${{ env.API_BASE_URL }}
          push: true
          tags: |
-            ${{ env.REGISTRY }}/${{ env.IMAGE_NAME }}:latest
-            ${{ env.REGISTRY }}/${{ env.IMAGE_NAME }}:${{ env.SHORT_SHA }}
-          cache-from: type=registry,ref=${{ env.REGISTRY }}/${{ env.IMAGE_NAME }}:buildcache
-          cache-to: type=registry,ref=${{ env.REGISTRY }}/${{ env.IMAGE_NAME }}:buildcache,mode=max
+            ${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:latest
+            ${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:${{ env.SHORT_SHA }}
+          cache-from: type=registry,ref=${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:buildcache
+          cache-to: type=registry,ref=${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:buildcache,mode=max
+
+      - name: Build & push API image
+        uses: docker/build-push-action@v5
+        with:
+          context: ./server
+          file: ./server/Dockerfile
+          push: true
+          tags: |
+            ${{ env.REGISTRY }}/${{ env.API_IMAGE }}:latest
+            ${{ env.REGISTRY }}/${{ env.API_IMAGE }}:${{ env.SHORT_SHA }}
+          cache-from: type=registry,ref=${{ env.REGISTRY }}/${{ env.API_IMAGE }}:buildcache
+          cache-to: type=registry,ref=${{ env.REGISTRY }}/${{ env.API_IMAGE }}:buildcache,mode=max

      - name: Set up kubectl
        uses: azure/setup-kubectl@v4
@@ -53,16 +68,40 @@ jobs:
          echo "${{ secrets.KUBE_CONFIG }}" | base64 -d > $HOME/.kube/config
          chmod 600 $HOME/.kube/config

-      - name: Ensure namespace & registry secret
+      - name: Ensure namespace, registry & DB secrets
        run: |
          kubectl apply -f deploy/k8s/namespace.yaml
+
          kubectl -n insurance create secret docker-registry gitea-registry \
            --docker-server=${{ env.REGISTRY }} \
            --docker-username=${{ secrets.REGISTRY_USER }} \
            --docker-password=${{ secrets.REGISTRY_TOKEN }} \
            --dry-run=client -o yaml | kubectl apply -f -

-      - name: Apply manifests
+          kubectl -n insurance create secret generic postgres-credentials \
+            --from-literal=username=insurance \
+            --from-literal=password='${{ secrets.POSTGRES_PASSWORD }}' \
+            --dry-run=client -o yaml | kubectl apply -f -
+
+          kubectl -n insurance create secret generic api-secrets \
+            --from-literal=jwtSecret='${{ secrets.JWT_SECRET }}' \
+            --from-literal=databaseUrl="postgresql://insurance:${{ secrets.POSTGRES_PASSWORD }}@postgres:5432/insurance?schema=public" \
+            --dry-run=client -o yaml | kubectl apply -f -
+
+      - name: Deploy Postgres
+        run: kubectl apply -f deploy/k8s/postgres.yaml
+
+      - name: Wait for Postgres
+        run: kubectl -n insurance rollout status statefulset/postgres --timeout=180s
+
+      - name: Deploy API
+        run: |
+          kubectl apply -f deploy/k8s/api.yaml
+          kubectl -n insurance set image deployment/insurance-api \
+            api=${{ env.REGISTRY }}/${{ env.API_IMAGE }}:${{ env.SHORT_SHA }}
+          kubectl -n insurance rollout status deployment/insurance-api --timeout=240s
+
+      - name: Deploy Web
        run: |
          kubectl apply -f deploy/k8s/deployment.yaml
          kubectl apply -f deploy/k8s/service.yaml
@@ -71,15 +110,13 @@ jobs:
          else
            kubectl apply -f deploy/k8s/ingress.yaml
          fi
-
-      - name: Update deployment image & restart
-        run: |
          kubectl -n insurance set image deployment/insurance-web \
-            web=${{ env.REGISTRY }}/${{ env.IMAGE_NAME }}:${{ env.SHORT_SHA }}
+            web=${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:${{ env.SHORT_SHA }}
          kubectl -n insurance rollout status deployment/insurance-web --timeout=180s

      - name: Show deployment info
        run: |
-          kubectl -n insurance get deployment,svc,ingress
+          kubectl -n insurance get deployment,statefulset,svc,ingress,pvc
          echo ""
-          echo "🚀 Deployed: https://insurance.junggomoa.com"
+          echo "🚀 Web: https://insurance.junggomoa.com"
+          echo "🔌 API: https://api.insurance.junggomoa.com"
@@ -14,3 +14,4 @@ npm-debug.*
 .env
 .env.local
 *.log
+.claude/
@@ -1,16 +1,49 @@
 import React from 'react';
+import { View, StyleSheet, Platform } from 'react-native';
 import { StatusBar } from 'expo-status-bar';
 import { SafeAreaProvider } from 'react-native-safe-area-context';
 import { NavigationContainer } from '@react-navigation/native';
 import RootNavigator from './src/navigation/RootNavigator';
+import ErrorBoundary from './src/components/ErrorBoundary';

 export default function App() {
+  const isWeb = Platform.OS === 'web';
  return (
-    <SafeAreaProvider>
-      <NavigationContainer>
-        <StatusBar style="dark" />
-        <RootNavigator />
-      </NavigationContainer>
-    </SafeAreaProvider>
+    <ErrorBoundary>
+      <SafeAreaProvider>
+        <View style={[styles.outer, isWeb && styles.webOuter]}>
+          <View style={[styles.inner, isWeb && styles.webInner]}>
+            <NavigationContainer>
+              <StatusBar style="dark" />
+              <RootNavigator />
+            </NavigationContainer>
+          </View>
+        </View>
+      </SafeAreaProvider>
+    </ErrorBoundary>
  );
 }
+
+const styles = StyleSheet.create({
+  outer: { flex: 1 },
+  webOuter: {
+    flex: 1,
+    backgroundColor: '#E5E7EB',
+    alignItems: 'center',
+    justifyContent: 'center',
+    minHeight: '100%' as any,
+  },
+  inner: { flex: 1 },
+  webInner: {
+    width: '100%',
+    maxWidth: 480,
+    height: '100%' as any,
+    minHeight: 800,
+    backgroundColor: '#F9FAFB',
+    shadowColor: '#000',
+    shadowOffset: { width: 0, height: 4 },
+    shadowOpacity: 0.15,
+    shadowRadius: 20,
+    elevation: 10,
+  },
+});
@@ -1,78 +1,40 @@
-# 🚀 배포 가이드
-
-## 자동 배포 파이프라인
+# 🚀 배포 가이드 (Full Stack)

 ```
-git push → Gitea Actions → Docker 빌드 → Container Registry → Kubernetes rollout
-                                                                   ↓
-                                                       insurance.junggomoa.com
+git push → Gitea Actions
+            ├─ Web Docker build  → insurance.junggomoa.com (nginx)
+            ├─ API Docker build  → api.insurance.junggomoa.com (Fastify)
+            └─ Postgres StatefulSet (10Gi PVC)
 ```

---
+## ☑ 한 번만 설정 (Gitea Repo Secrets)

-## 📋 한 번만 해야 하는 초기 설정
+[https://git.junggomoa.com/chpark/insurance/settings/actions/secrets](https://git.junggomoa.com/chpark/insurance/settings/actions/secrets)

-### 1단계 — Gitea 측 설정 (웹 UI)
-
-#### ① Gitea Actions Runner 활성화
-1. [https://git.junggomoa.com/chpark/insurance](https://git.junggomoa.com/chpark/insurance) → **Settings**
-2. 좌측 **Actions** 메뉴 → **Enable Actions** 체크
-3. 조직/인스턴스 관리자가 **Runner**를 하나 등록해둬야 합니다
-   - Runner 없다면 관리자에게 요청
-   - 또는 Kubernetes에 `act-runner` Helm 차트로 직접 설치 (아래 스크립트 참고)
-
-#### ② Container Registry 접근 토큰 발급
-1. Gitea → 우측 상단 프로필 → **Settings** → **Applications**
-2. **Generate New Token** → 권한 `write:package`, `read:package` 체크
-3. 발급된 토큰 복사 (한 번만 보임)
-
-#### ③ Repository Secrets 등록
-Repo → **Settings** → **Secrets and Variables** → **Actions** → **Add Secret**:
-
-| Name | Value | 설명 |
+| Secret | 값 | 비고 |
 |---|---|---|
 | `REGISTRY_USER` | `chpark` | Gitea 사용자명 |
-| `REGISTRY_TOKEN` | (위에서 발급한 토큰) | Container Registry 인증 |
-| `KUBE_CONFIG` | (아래 2단계에서 생성) | base64 인코딩된 kubeconfig |
-| `INGRESS_MODE` | `ingress` 또는 `ingressroute` | Traefik 설치 방식 (아래 확인) |
+| `REGISTRY_TOKEN` | (Gitea → Settings → Applications → Generate Token, `write:package` 체크) | |
+| `KUBE_CONFIG` | 서버에서 생성한 base64 kubeconfig | 아래 스크립트 참고 |
+| `POSTGRES_PASSWORD` | 임의의 강한 비밀번호 (예: `openssl rand -hex 24`) | DB 비번 |
+| `JWT_SECRET` | 임의의 32자 이상 랜덤 문자열 (`openssl rand -hex 32`) | JWT 서명키 |
+| `INGRESS_MODE` | `ingress` 또는 `ingressroute` | Traefik 버전 |

---
+## 🔑 kubeconfig 생성 (서버에서 한 번만)

-### 2단계 — Kubernetes 측 설정 (서버 SSH 1회)
-
-SSH 접속:
 ```bash
 ssh chpark@183.99.177.40
-```
-
-#### ① Traefik 설치 방식 확인
-```bash
-kubectl api-resources | grep -i traefik
-```
- 결과에 `ingressroutes.traefik.io` 나오면 → `INGRESS_MODE=ingressroute`
- 아무것도 안 나오면 → `INGRESS_MODE=ingress` (표준 Ingress 사용)
-
-#### ② CI용 kubeconfig 생성 (서비스 어카운트 방식, 권장)
-```bash
-# 네임스페이스·서비스어카운트 선생성
 kubectl create namespace insurance 2>/dev/null || true
 kubectl -n insurance create serviceaccount gitea-deployer
 kubectl create clusterrolebinding gitea-deployer \
  --clusterrole=cluster-admin \
  --serviceaccount=insurance:gitea-deployer

-# 토큰 생성 (24시간 기본, 필요 시 --duration=8760h 로 1년)
 TOKEN=$(kubectl -n insurance create token gitea-deployer --duration=8760h)
-
-# 현재 API 서버 주소
 SERVER=$(kubectl config view --minify -o jsonpath='{.clusters[0].cluster.server}')
-CA=$(kubectl -n insurance get secret \
-  $(kubectl -n insurance get sa gitea-deployer -o jsonpath='{.secrets[0].name}' 2>/dev/null || echo "") \
-  -o jsonpath='{.data.ca\.crt}' 2>/dev/null || \
-  kubectl config view --minify --raw -o jsonpath='{.clusters[0].cluster.certificate-authority-data}')
+CA=$(kubectl config view --minify --raw -o jsonpath='{.clusters[0].cluster.certificate-authority-data}')

-# kubeconfig 생성
-cat <<EOF > /tmp/gitea-kubeconfig
+cat > /tmp/gitea-kubeconfig <<EOF
 apiVersion: v1
 kind: Config
 clusters:
@@ -93,99 +55,85 @@ users:
    token: ${TOKEN}
 EOF

-# base64 인코딩 → Gitea secret에 넣을 값
 base64 -w0 /tmp/gitea-kubeconfig
 ```
-출력된 긴 문자열을 복사해서 Gitea의 `KUBE_CONFIG` secret에 붙여넣으세요.

-#### ③ DNS 확인
-`insurance.junggomoa.com` 이 k8s 클러스터의 Traefik LoadBalancer IP 로 등록돼 있어야 합니다.
+출력된 긴 문자열 → `KUBE_CONFIG` 시크릿에 붙여넣기.
+
+## 🌐 DNS
+
+A 레코드 2개 필요:
+- `insurance.junggomoa.com` → Traefik LoadBalancer IP
+- `api.insurance.junggomoa.com` → Traefik LoadBalancer IP
+
+## 💻 로컬 개발 (docker-compose)
+
 ```bash
-dig insurance.junggomoa.com +short
+# 1. 서버 의존성 + DB 기동
+cd server
+npm install
+cd ..
+docker compose up -d postgres
+
+# 2. Prisma 마이그레이션
+cd server
+cp .env.example .env
+npx prisma migrate dev --name init
+npm run dev    # → http://localhost:4000 (Swagger: /docs)
+
+# 3. 다른 터미널에서 모바일/웹 클라이언트
+cd ..
+npm run web    # → http://localhost:8081
+# 브라우저에서 API 가 localhost:4000 에 붙도록 자동 기본값 동작
 ```
-IP가 안 나오거나 잘못됐다면 DNS 관리자에게 추가 요청:
- `insurance.junggomoa.com A <클러스터 LB IP>`

---
+## 🧪 API 스모크 테스트

-## ✅ 이후부터 — 자동 배포
-
-코드 수정 후:
 ```bash
-git add .
-git commit -m "수정 내용"
-git push
+# 회원가입
+curl -X POST http://localhost:4000/auth/register \
+  -H "Content-Type: application/json" \
+  -d '{"email":"test@test.com","password":"password123","name":"박철현","age":34,"gender":"MALE","job":"사무직"}'
+
+# 로그인
+curl -X POST http://localhost:4000/auth/login \
+  -H "Content-Type: application/json" \
+  -d '{"email":"test@test.com","password":"password123"}'
+
+# 카카오 로그인 (카카오 SDK에서 받은 access_token 필요)
+curl -X POST http://localhost:4000/auth/kakao \
+  -H "Content-Type: application/json" \
+  -d '{"accessToken":"YOUR_KAKAO_ACCESS_TOKEN"}'
 ```

-Gitea Actions 탭에서 진행 상황 확인:
- [https://git.junggomoa.com/chpark/insurance/actions](https://git.junggomoa.com/chpark/insurance/actions)
+## 📦 카카오 로그인 연동

-**약 3~5분 후** `https://insurance.junggomoa.com` 에 새 버전 반영됩니다.
+### 백엔드
+- `POST /auth/kakao` 엔드포인트가 `access_token`을 받아 `https://kapi.kakao.com/v2/user/me` 호출 → 프로필 매핑 → JWT 발급

---
+### 클라이언트
+현재 웹에서는 개발용 `window.prompt`로 토큰 붙여넣기 지원. 실제 운영에서는:
+- **Web**: Kakao JS SDK 로 `Kakao.Auth.login()` 호출 → `access_token` 획득 → `/auth/kakao`
+- **Native (iOS/Android)**: `@react-native-seoul/kakao-login` — `bare workflow`로 prebuild 후 연동

-## 🧪 수동 1회 배포 (CI 세팅 전 테스트용)
+### 필요한 Kakao Developer 설정
+1. https://developers.kakao.com/ 앱 생성
+2. 플랫폼: Web (도메인 등록: `https://insurance.junggomoa.com`), Android/iOS 별도
+3. 카카오 로그인 → Redirect URI: `https://insurance.junggomoa.com/auth/kakao/callback`
+4. 동의항목: 닉네임(필수), 프로필 이미지(선택), 이메일(선택)
+
+## 🛠 트러블슈팅

-SSH 접속 후:
 ```bash
-# 코드 받기
-git clone https://git.junggomoa.com/chpark/insurance.git
-cd insurance
+# Pod 로그
+kubectl -n insurance logs -l app.kubernetes.io/name=insurance-api --tail=100

-# 도커 이미지 빌드
-docker build -t git.junggomoa.com/chpark/insurance:latest .
+# DB 접속
+kubectl -n insurance exec -it postgres-0 -- psql -U insurance

-# 레지스트리 로그인 & push
-docker login git.junggomoa.com -u chpark -p <토큰>
-docker push git.junggomoa.com/chpark/insurance:latest
+# 마이그레이션 수동 실행
+kubectl -n insurance exec -it deploy/insurance-api -- npx prisma migrate deploy

-# K8s 시크릿 & 매니페스트 적용
-kubectl apply -f deploy/k8s/namespace.yaml
-kubectl -n insurance create secret docker-registry gitea-registry \
-  --docker-server=git.junggomoa.com \
-  --docker-username=chpark \
-  --docker-password=<토큰>
-kubectl apply -f deploy/k8s/deployment.yaml
-kubectl apply -f deploy/k8s/service.yaml
-kubectl apply -f deploy/k8s/ingress.yaml      # 또는 ingressroute-traefik.yaml
-
-# 상태 확인
-kubectl -n insurance get all
-kubectl -n insurance get ingress
-```
-
---
-
-## 🔧 트러블슈팅
-
-| 증상 | 원인 | 해결 |
-|---|---|---|
-| `ImagePullBackOff` | Registry 인증 실패 | `gitea-registry` secret 재생성 |
-| `404 page not found` (Traefik) | Ingress host 불일치 | `insurance.junggomoa.com` 철자 확인 |
-| TLS 인증서 없음 | cert-manager 미설정 | 관리자에게 와일드카드 인증서 요청 또는 cert-manager 설치 |
-| Actions 실패: `no runner` | Runner 미등록 | 조직에 act-runner 등록 필요 |
-
-로그 확인:
-```bash
-kubectl -n insurance logs -l app.kubernetes.io/name=insurance-web --tail=100
-kubectl -n insurance describe deployment insurance-web
-kubectl -n insurance describe ingress insurance-web
-```
-
---
-
-## 📁 배포 관련 파일
-
-```
-Dockerfile                           # Multi-stage 빌드 (Expo → nginx)
-.dockerignore
-.gitea/workflows/deploy.yml          # CI/CD 파이프라인
-deploy/
-  ├── nginx.conf                     # SPA fallback + gzip + health
-  └── k8s/
-      ├── namespace.yaml
-      ├── deployment.yaml            # 2 replicas, rolling update
-      ├── service.yaml               # ClusterIP :80
-      ├── ingress.yaml               # 표준 Ingress (Traefik ingressClass)
-      └── ingressroute-traefik.yaml  # Traefik CRD 버전 (선택)
+# 이미지 재배포
+kubectl -n insurance rollout restart deployment/insurance-api deployment/insurance-web
 ```
@@ -1,6 +1,9 @@
 FROM node:20-alpine AS builder
 WORKDIR /app

+ARG EXPO_PUBLIC_API_BASE=https://api.insurance.junggomoa.com
+ENV EXPO_PUBLIC_API_BASE=${EXPO_PUBLIC_API_BASE}
+
 COPY package*.json ./
 RUN npm ci --legacy-peer-deps --no-audit --no-fund

@@ -9,7 +9,9 @@
      "resizeMode": "contain",
      "backgroundColor": "#3B82F6"
    },
-    "assetBundlePatterns": ["**/*"],
+    "assetBundlePatterns": [
+      "**/*"
+    ],
    "ios": {
      "supportsTablet": true,
      "bundleIdentifier": "com.insurancecare.app",
@@ -38,7 +40,8 @@
          "photosPermission": "보험금 청구 서류 첨부를 위해 사진 접근이 필요합니다."
        }
      ],
-      "expo-notifications"
+      "expo-notifications",
+      "expo-font"
    ]
  }
 }
@@ -0,0 +1,130 @@
+apiVersion: v1
+kind: PersistentVolumeClaim
+metadata:
+  name: uploads
+  namespace: insurance
+spec:
+  accessModes: ["ReadWriteOnce"]
+  resources:
+    requests:
+      storage: 20Gi
+---
+apiVersion: apps/v1
+kind: Deployment
+metadata:
+  name: insurance-api
+  namespace: insurance
+  labels:
+    app.kubernetes.io/name: insurance-api
+spec:
+  replicas: 2
+  revisionHistoryLimit: 3
+  strategy:
+    type: RollingUpdate
+    rollingUpdate:
+      maxSurge: 1
+      maxUnavailable: 0
+  selector:
+    matchLabels:
+      app.kubernetes.io/name: insurance-api
+  template:
+    metadata:
+      labels:
+        app.kubernetes.io/name: insurance-api
+    spec:
+      imagePullSecrets:
+        - name: gitea-registry
+      containers:
+        - name: api
+          image: git.junggomoa.com/chpark/insurance-api:latest
+          imagePullPolicy: Always
+          ports:
+            - name: http
+              containerPort: 4000
+          env:
+            - name: PORT
+              value: "4000"
+            - name: HOST
+              value: "0.0.0.0"
+            - name: NODE_ENV
+              value: production
+            - name: UPLOAD_DIR
+              value: /data/uploads
+            - name: JWT_SECRET
+              valueFrom:
+                secretKeyRef:
+                  name: api-secrets
+                  key: jwtSecret
+            - name: DATABASE_URL
+              valueFrom:
+                secretKeyRef:
+                  name: api-secrets
+                  key: databaseUrl
+          readinessProbe:
+            httpGet:
+              path: /health
+              port: http
+            initialDelaySeconds: 5
+            periodSeconds: 10
+          livenessProbe:
+            httpGet:
+              path: /health
+              port: http
+            initialDelaySeconds: 30
+            periodSeconds: 20
+          resources:
+            requests:
+              cpu: 100m
+              memory: 128Mi
+            limits:
+              cpu: 500m
+              memory: 512Mi
+          volumeMounts:
+            - name: uploads
+              mountPath: /data/uploads
+      volumes:
+        - name: uploads
+          persistentVolumeClaim:
+            claimName: uploads
+---
+apiVersion: v1
+kind: Service
+metadata:
+  name: insurance-api
+  namespace: insurance
+  labels:
+    app.kubernetes.io/name: insurance-api
+spec:
+  type: ClusterIP
+  selector:
+    app.kubernetes.io/name: insurance-api
+  ports:
+    - name: http
+      port: 4000
+      targetPort: http
+---
+apiVersion: networking.k8s.io/v1
+kind: Ingress
+metadata:
+  name: insurance-api
+  namespace: insurance
+  annotations:
+    traefik.ingress.kubernetes.io/router.entrypoints: websecure
+    traefik.ingress.kubernetes.io/router.tls: "true"
+spec:
+  ingressClassName: traefik
+  tls:
+    - hosts:
+        - api.insurance.junggomoa.com
+      secretName: insurance-api-tls
+  rules:
+    - host: api.insurance.junggomoa.com
+      http:
+        paths:
+          - path: /
+            pathType: Prefix
+            backend:
+              service:
+                name: insurance-api
+                port:
+                  number: 4000
@@ -0,0 +1,81 @@
+apiVersion: v1
+kind: Service
+metadata:
+  name: postgres
+  namespace: insurance
+  labels:
+    app.kubernetes.io/name: postgres
+spec:
+  clusterIP: None
+  selector:
+    app.kubernetes.io/name: postgres
+  ports:
+    - name: postgres
+      port: 5432
+      targetPort: 5432
+---
+apiVersion: apps/v1
+kind: StatefulSet
+metadata:
+  name: postgres
+  namespace: insurance
+spec:
+  serviceName: postgres
+  replicas: 1
+  selector:
+    matchLabels:
+      app.kubernetes.io/name: postgres
+  template:
+    metadata:
+      labels:
+        app.kubernetes.io/name: postgres
+    spec:
+      containers:
+        - name: postgres
+          image: postgres:16-alpine
+          ports:
+            - containerPort: 5432
+              name: postgres
+          env:
+            - name: POSTGRES_USER
+              valueFrom:
+                secretKeyRef:
+                  name: postgres-credentials
+                  key: username
+            - name: POSTGRES_PASSWORD
+              valueFrom:
+                secretKeyRef:
+                  name: postgres-credentials
+                  key: password
+            - name: POSTGRES_DB
+              value: insurance
+            - name: PGDATA
+              value: /var/lib/postgresql/data/pgdata
+          volumeMounts:
+            - name: data
+              mountPath: /var/lib/postgresql/data
+          readinessProbe:
+            exec:
+              command: ["pg_isready", "-U", "insurance"]
+            initialDelaySeconds: 5
+            periodSeconds: 10
+          livenessProbe:
+            exec:
+              command: ["pg_isready", "-U", "insurance"]
+            initialDelaySeconds: 30
+            periodSeconds: 20
+          resources:
+            requests:
+              cpu: 100m
+              memory: 256Mi
+            limits:
+              cpu: 1000m
+              memory: 1Gi
+  volumeClaimTemplates:
+    - metadata:
+        name: data
+      spec:
+        accessModes: ["ReadWriteOnce"]
+        resources:
+          requests:
+            storage: 10Gi
@@ -0,0 +1,41 @@
+version: "3.9"
+
+services:
+  postgres:
+    image: postgres:16-alpine
+    environment:
+      POSTGRES_USER: insurance
+      POSTGRES_PASSWORD: insurance_dev
+      POSTGRES_DB: insurance
+    ports:
+      - "5432:5432"
+    volumes:
+      - postgres_data:/var/lib/postgresql/data
+    healthcheck:
+      test: ["CMD-SHELL", "pg_isready -U insurance"]
+      interval: 5s
+      timeout: 3s
+      retries: 10
+
+  api:
+    build:
+      context: ./server
+      dockerfile: Dockerfile
+    depends_on:
+      postgres:
+        condition: service_healthy
+    environment:
+      DATABASE_URL: postgresql://insurance:insurance_dev@postgres:5432/insurance?schema=public
+      JWT_SECRET: dev-change-me
+      PORT: "4000"
+      HOST: "0.0.0.0"
+      NODE_ENV: development
+      UPLOAD_DIR: /data/uploads
+    ports:
+      - "4000:4000"
+    volumes:
+      - uploads:/data/uploads
+
+volumes:
+  postgres_data:
+  uploads:
@@ -17,14 +17,14 @@
    "@react-navigation/native-stack": "^6.9.26",
    "expo": "~51.0.0",
    "expo-device": "~6.0.2",
-    "expo-font": "^55.0.6",
-    "expo-image-picker": "~15.0.5",
+    "expo-font": "~12.0.10",
+    "expo-image-picker": "~15.1.0",
    "expo-linear-gradient": "~13.0.2",
    "expo-notifications": "~0.28.0",
    "expo-status-bar": "~1.12.1",
    "react": "18.2.0",
    "react-dom": "^18.2.0",
-    "react-native": "0.74.3",
+    "react-native": "0.74.5",
    "react-native-chart-kit": "^6.12.0",
    "react-native-gesture-handler": "~2.16.1",
    "react-native-reanimated": "~3.10.1",
@@ -0,0 +1,5 @@
+node_modules
+dist
+.env*
+*.log
+.git
@@ -0,0 +1,6 @@
+DATABASE_URL=postgresql://insurance:insurance_dev@localhost:5432/insurance?schema=public
+JWT_SECRET=change-me-in-prod
+PORT=4000
+HOST=0.0.0.0
+NODE_ENV=development
+UPLOAD_DIR=./uploads
@@ -0,0 +1,31 @@
+FROM node:20-alpine AS builder
+WORKDIR /app
+
+COPY package*.json ./
+RUN npm ci --no-audit --no-fund
+
+COPY prisma ./prisma
+RUN npx prisma generate
+
+COPY tsconfig.json ./
+COPY src ./src
+RUN npm run build
+
+FROM node:20-alpine AS runner
+WORKDIR /app
+ENV NODE_ENV=production
+
+COPY package*.json ./
+RUN npm ci --omit=dev --no-audit --no-fund
+
+COPY --from=builder /app/node_modules/.prisma ./node_modules/.prisma
+COPY --from=builder /app/node_modules/@prisma ./node_modules/@prisma
+COPY --from=builder /app/prisma ./prisma
+COPY --from=builder /app/dist ./dist
+
+EXPOSE 4000
+
+HEALTHCHECK --interval=30s --timeout=3s --start-period=15s --retries=3 \
+    CMD wget -q --spider http://localhost:4000/health || exit 1
+
+CMD ["sh", "-c", "npx prisma migrate deploy && node dist/main.js"]
@@ -0,0 +1,35 @@
+{
+  "name": "insurance-api",
+  "version": "1.0.0",
+  "private": true,
+  "main": "dist/main.js",
+  "scripts": {
+    "dev": "tsx watch src/main.ts",
+    "build": "tsc -p tsconfig.json",
+    "start": "node dist/main.js",
+    "prisma:generate": "prisma generate",
+    "prisma:migrate": "prisma migrate deploy",
+    "prisma:migrate:dev": "prisma migrate dev",
+    "prisma:seed": "tsx prisma/seed.ts"
+  },
+  "dependencies": {
+    "@fastify/cors": "^9.0.1",
+    "@fastify/jwt": "^8.0.1",
+    "@fastify/multipart": "^8.3.0",
+    "@fastify/swagger": "^8.15.0",
+    "@fastify/swagger-ui": "^4.1.0",
+    "@prisma/client": "^5.22.0",
+    "bcrypt": "^5.1.1",
+    "fastify": "^4.28.1",
+    "fastify-plugin": "^4.5.1",
+    "pino-pretty": "^11.2.2",
+    "zod": "^3.23.8"
+  },
+  "devDependencies": {
+    "@types/bcrypt": "^5.0.2",
+    "@types/node": "^20.14.11",
+    "prisma": "^5.22.0",
+    "tsx": "^4.19.2",
+    "typescript": "^5.5.4"
+  }
+}
@@ -0,0 +1,253 @@
+generator client {
+  provider = "prisma-client-js"
+}
+
+datasource db {
+  provider = "postgresql"
+  url      = env("DATABASE_URL")
+}
+
+enum AuthProvider {
+  EMAIL
+  KAKAO
+  APPLE
+  NAVER
+  GOOGLE
+}
+
+model User {
+  id            String       @id @default(cuid())
+  email         String?      @unique
+  passwordHash  String?
+  name          String
+  phone         String?
+  provider      AuthProvider @default(EMAIL)
+  kakaoId       String?      @unique
+  appleSub      String?      @unique
+  naverId       String?      @unique
+  googleId      String?      @unique
+  profileImage  String?
+  createdAt     DateTime     @default(now())
+  updatedAt     DateTime     @updatedAt
+
+  profile       Profile?
+  family        FamilyMember[]
+  policies      Policy[]
+  claims        Claim[]
+  notifications Notification[]
+  diagnoses     Diagnosis[]
+  healthChecks  HealthCheck[]
+  consults      Consult[]
+}
+
+model Profile {
+  id             String  @id @default(cuid())
+  userId         String  @unique
+  age            Int
+  gender         Gender
+  job            String?
+  monthlyPremium Int     @default(0)
+  score          Int     @default(0)
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade)
+}
+
+enum Gender {
+  MALE
+  FEMALE
+}
+
+enum Relation {
+  SELF
+  SPOUSE
+  CHILD
+  PARENT
+  SIBLING
+}
+
+model FamilyMember {
+  id       String   @id @default(cuid())
+  userId   String
+  relation Relation
+  name     String
+  age      Int
+  gender   Gender
+
+  user     User     @relation(fields: [userId], references: [id], onDelete: Cascade)
+  policies Policy[]
+
+  @@index([userId])
+}
+
+enum PolicyType {
+  SILSON
+  CANCER
+  LIFE
+  ACCIDENT
+  CHILD
+  NURSING
+  FEMALE
+  DENTAL
+  DRIVER
+  CAR
+}
+
+model Policy {
+  id              String     @id @default(cuid())
+  userId          String
+  familyMemberId  String?
+  name            String
+  insurer         String
+  type            PolicyType
+  monthlyPremium  Int
+  coverage        BigInt
+  joinDate        DateTime
+  maturityDate    DateTime?
+  renewalDate     DateTime?
+  silsonGen       Int?
+  isGroup         Boolean    @default(false)
+  createdAt       DateTime   @default(now())
+  updatedAt       DateTime   @updatedAt
+
+  user         User          @relation(fields: [userId], references: [id], onDelete: Cascade)
+  familyMember FamilyMember? @relation(fields: [familyMemberId], references: [id], onDelete: SetNull)
+
+  @@index([userId])
+  @@index([familyMemberId])
+}
+
+enum ClaimStatus {
+  SUBMITTED
+  REVIEWING
+  ADDITIONAL_DOCS
+  APPROVED
+  PAID
+  REJECTED
+}
+
+model Claim {
+  id            String      @id @default(cuid())
+  userId        String
+  title         String
+  hospital      String?
+  visitDate     DateTime?
+  status        ClaimStatus @default(SUBMITTED)
+  amount        Int?
+  aiEstimated   String?
+  createdAt     DateTime    @default(now())
+  updatedAt     DateTime    @updatedAt
+
+  user        User              @relation(fields: [userId], references: [id], onDelete: Cascade)
+  attachments ClaimAttachment[]
+  events      ClaimEvent[]
+
+  @@index([userId, status])
+}
+
+enum AttachmentType {
+  RECEIPT
+  DIAGNOSIS
+  DETAIL
+  OTHER
+}
+
+model ClaimAttachment {
+  id        String         @id @default(cuid())
+  claimId   String
+  type      AttachmentType
+  objectKey String
+  mimeType  String?
+  size      Int?
+  createdAt DateTime       @default(now())
+
+  claim Claim @relation(fields: [claimId], references: [id], onDelete: Cascade)
+
+  @@index([claimId])
+}
+
+model ClaimEvent {
+  id        String      @id @default(cuid())
+  claimId   String
+  status    ClaimStatus
+  note      String?
+  createdAt DateTime    @default(now())
+
+  claim Claim @relation(fields: [claimId], references: [id], onDelete: Cascade)
+
+  @@index([claimId])
+}
+
+enum NotificationTone {
+  INFO
+  WARN
+  DANGER
+}
+
+model Notification {
+  id        String           @id @default(cuid())
+  userId    String
+  title     String
+  body      String
+  tone      NotificationTone @default(INFO)
+  scheduled DateTime
+  readAt    DateTime?
+  createdAt DateTime         @default(now())
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade)
+
+  @@index([userId, scheduled])
+}
+
+model Diagnosis {
+  id         String   @id @default(cuid())
+  userId     String
+  answers    Json
+  score      Int
+  breakdown  Json
+  createdAt  DateTime @default(now())
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade)
+
+  @@index([userId])
+}
+
+model HealthCheck {
+  id        String   @id @default(cuid())
+  userId    String
+  date      DateTime
+  metrics   Json
+  summary   String?
+  createdAt DateTime @default(now())
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade)
+
+  @@index([userId, date])
+}
+
+enum ConsultMethod {
+  KAKAO
+  PHONE
+  VISIT
+}
+
+enum ConsultStatus {
+  REQUESTED
+  SCHEDULED
+  DONE
+  CANCELED
+}
+
+model Consult {
+  id          String        @id @default(cuid())
+  userId      String
+  method      ConsultMethod
+  phone       String?
+  preferredAt DateTime?
+  memo        String?
+  status      ConsultStatus @default(REQUESTED)
+  createdAt   DateTime      @default(now())
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade)
+
+  @@index([userId, status])
+}
@@ -0,0 +1,53 @@
+import Fastify from 'fastify';
+import cors from '@fastify/cors';
+import jwt from '@fastify/jwt';
+import multipart from '@fastify/multipart';
+import swagger from '@fastify/swagger';
+import swaggerUi from '@fastify/swagger-ui';
+
+import { prismaPlugin } from './plugins/prisma';
+import { authPlugin } from './plugins/auth';
+import { registerRoutes } from './routes';
+
+export async function buildApp() {
+  const app = Fastify({
+    logger: {
+      transport: process.env.NODE_ENV !== 'production' ? { target: 'pino-pretty', options: { colorize: true } } : undefined,
+    },
+  });
+
+  await app.register(cors, {
+    origin: (origin, cb) => cb(null, true),
+    credentials: true,
+  });
+
+  await app.register(jwt, {
+    secret: process.env.JWT_SECRET ?? 'dev-secret-change-me-in-prod',
+    sign: { expiresIn: '7d' },
+  });
+
+  await app.register(multipart, {
+    limits: { fileSize: 10 * 1024 * 1024 },
+  });
+
+  await app.register(swagger, {
+    openapi: {
+      info: { title: 'Insurance API', version: '1.0.0' },
+      components: {
+        securitySchemes: {
+          bearerAuth: { type: 'http', scheme: 'bearer', bearerFormat: 'JWT' },
+        },
+      },
+    },
+  });
+  await app.register(swaggerUi, { routePrefix: '/docs' });
+
+  await app.register(prismaPlugin);
+  await app.register(authPlugin);
+
+  app.get('/health', async () => ({ ok: true, ts: Date.now() }));
+
+  await registerRoutes(app);
+
+  return app;
+}
@@ -0,0 +1,18 @@
+import 'dotenv/config';
+import { buildApp } from './app';
+
+const PORT = Number(process.env.PORT ?? 4000);
+const HOST = process.env.HOST ?? '0.0.0.0';
+
+async function main() {
+  const app = await buildApp();
+  try {
+    await app.listen({ port: PORT, host: HOST });
+    app.log.info(`API up on http://${HOST}:${PORT}`);
+  } catch (err) {
+    app.log.error(err);
+    process.exit(1);
+  }
+}
+
+main();
@@ -0,0 +1,25 @@
+import fp from 'fastify-plugin';
+import type { FastifyReply, FastifyRequest } from 'fastify';
+
+declare module 'fastify' {
+  interface FastifyInstance {
+    authenticate: (req: FastifyRequest, reply: FastifyReply) => Promise<void>;
+  }
+}
+
+declare module '@fastify/jwt' {
+  interface FastifyJWT {
+    payload: { sub: string; email?: string };
+    user: { sub: string; email?: string };
+  }
+}
+
+export const authPlugin = fp(async (app) => {
+  app.decorate('authenticate', async function (req: FastifyRequest, reply: FastifyReply) {
+    try {
+      await req.jwtVerify();
+    } catch (err) {
+      reply.code(401).send({ message: '인증이 필요합니다' });
+    }
+  });
+});
@@ -0,0 +1,19 @@
+import fp from 'fastify-plugin';
+import { PrismaClient } from '@prisma/client';
+
+declare module 'fastify' {
+  interface FastifyInstance {
+    prisma: PrismaClient;
+  }
+}
+
+export const prismaPlugin = fp(async (app) => {
+  const prisma = new PrismaClient({
+    log: process.env.NODE_ENV === 'production' ? ['error'] : ['warn', 'error'],
+  });
+  await prisma.$connect();
+  app.decorate('prisma', prisma);
+  app.addHook('onClose', async () => {
+    await prisma.$disconnect();
+  });
+});
@@ -0,0 +1,159 @@
+import type { FastifyInstance } from 'fastify';
+import bcrypt from 'bcrypt';
+import { z } from 'zod';
+
+const RegisterBody = z.object({
+  email: z.string().email(),
+  password: z.string().min(8),
+  name: z.string().min(1),
+  phone: z.string().optional(),
+  age: z.number().int().min(0).max(120),
+  gender: z.enum(['MALE', 'FEMALE']),
+  job: z.string().optional(),
+});
+
+const LoginBody = z.object({
+  email: z.string().email(),
+  password: z.string().min(1),
+});
+
+const KakaoBody = z.object({
+  accessToken: z.string().min(10),
+});
+
+type KakaoMe = {
+  id: number;
+  kakao_account?: {
+    email?: string;
+    profile?: { nickname?: string; profile_image_url?: string };
+    phone_number?: string;
+  };
+  properties?: { nickname?: string; profile_image?: string };
+};
+
+async function fetchKakaoProfile(accessToken: string): Promise<KakaoMe> {
+  const res = await fetch('https://kapi.kakao.com/v2/user/me', {
+    method: 'GET',
+    headers: { Authorization: `Bearer ${accessToken}` },
+  });
+  if (!res.ok) throw new Error(`Kakao profile fetch failed: ${res.status}`);
+  return (await res.json()) as KakaoMe;
+}
+
+export async function authRoutes(app: FastifyInstance) {
+  app.post('/register', async (req, reply) => {
+    const body = RegisterBody.parse(req.body);
+    const exists = await app.prisma.user.findUnique({ where: { email: body.email } });
+    if (exists) return reply.code(409).send({ message: '이미 가입된 이메일입니다' });
+
+    const passwordHash = await bcrypt.hash(body.password, 10);
+    const user = await app.prisma.user.create({
+      data: {
+        email: body.email,
+        passwordHash,
+        name: body.name,
+        phone: body.phone,
+        provider: 'EMAIL',
+        profile: {
+          create: {
+            age: body.age,
+            gender: body.gender,
+            job: body.job ?? '기타',
+          },
+        },
+      },
+      include: { profile: true },
+    });
+
+    const token = await reply.jwtSign({ sub: user.id, email: user.email ?? undefined });
+    return { token, user: publicUser(user) };
+  });
+
+  app.post('/login', async (req, reply) => {
+    const body = LoginBody.parse(req.body);
+    const user = await app.prisma.user.findUnique({
+      where: { email: body.email },
+      include: { profile: true },
+    });
+    if (!user || !user.passwordHash) return reply.code(401).send({ message: '이메일 또는 비밀번호가 틀렸습니다' });
+
+    const ok = await bcrypt.compare(body.password, user.passwordHash);
+    if (!ok) return reply.code(401).send({ message: '이메일 또는 비밀번호가 틀렸습니다' });
+
+    const token = await reply.jwtSign({ sub: user.id, email: user.email ?? undefined });
+    return { token, user: publicUser(user) };
+  });
+
+  app.post('/kakao', async (req, reply) => {
+    const body = KakaoBody.parse(req.body);
+    let me: KakaoMe;
+    try {
+      me = await fetchKakaoProfile(body.accessToken);
+    } catch (e) {
+      return reply.code(401).send({ message: '카카오 인증 실패' });
+    }
+
+    const kakaoId = String(me.id);
+    const email = me.kakao_account?.email;
+    const name = me.kakao_account?.profile?.nickname ?? me.properties?.nickname ?? '카카오사용자';
+    const profileImage = me.kakao_account?.profile?.profile_image_url ?? me.properties?.profile_image;
+
+    let user = await app.prisma.user.findUnique({
+      where: { kakaoId },
+      include: { profile: true },
+    });
+
+    if (!user) {
+      user = await app.prisma.user.create({
+        data: {
+          kakaoId,
+          email: email ?? null,
+          name,
+          phone: me.kakao_account?.phone_number,
+          provider: 'KAKAO',
+          profileImage,
+          profile: {
+            create: {
+              age: 30,
+              gender: 'MALE',
+              job: '기타',
+            },
+          },
+        },
+        include: { profile: true },
+      });
+    }
+
+    const token = await reply.jwtSign({ sub: user.id, email: user.email ?? undefined });
+    return { token, user: publicUser(user) };
+  });
+
+  app.get('/me', { onRequest: [app.authenticate] }, async (req) => {
+    const user = await app.prisma.user.findUnique({
+      where: { id: req.user.sub },
+      include: { profile: true },
+    });
+    if (!user) throw new Error('User not found');
+    return publicUser(user);
+  });
+}
+
+function publicUser(u: any) {
+  return {
+    id: u.id,
+    email: u.email,
+    name: u.name,
+    phone: u.phone,
+    provider: u.provider,
+    profileImage: u.profileImage,
+    profile: u.profile
+      ? {
+          age: u.profile.age,
+          gender: u.profile.gender,
+          job: u.profile.job,
+          monthlyPremium: u.profile.monthlyPremium,
+          score: u.profile.score,
+        }
+      : null,
+  };
+}
@@ -0,0 +1,95 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+import fs from 'node:fs/promises';
+import path from 'node:path';
+import crypto from 'node:crypto';
+
+const CreateClaim = z.object({
+  title: z.string().min(1),
+  hospital: z.string().optional(),
+  visitDate: z.string().optional(),
+});
+
+const UPLOAD_DIR = process.env.UPLOAD_DIR ?? './uploads';
+
+export async function claimRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  await fs.mkdir(UPLOAD_DIR, { recursive: true });
+
+  app.get('/', async (req) => {
+    const claims = await app.prisma.claim.findMany({
+      where: { userId: req.user.sub },
+      include: { attachments: true, events: { orderBy: { createdAt: 'desc' } } },
+      orderBy: { createdAt: 'desc' },
+    });
+    return claims;
+  });
+
+  app.post('/', async (req, reply) => {
+    const body = CreateClaim.parse(req.body);
+    const claim = await app.prisma.claim.create({
+      data: {
+        userId: req.user.sub,
+        title: body.title,
+        hospital: body.hospital,
+        visitDate: body.visitDate ? new Date(body.visitDate) : null,
+        status: 'SUBMITTED',
+        events: {
+          create: { status: 'SUBMITTED', note: '청구 접수' },
+        },
+      },
+      include: { attachments: true, events: true },
+    });
+    reply.code(201);
+    return claim;
+  });
+
+  app.post('/:id/attachments', async (req, reply) => {
+    const { id } = req.params as { id: string };
+    const existing = await app.prisma.claim.findFirst({ where: { id, userId: req.user.sub } });
+    if (!existing) return reply.code(404).send({ message: 'Not found' });
+
+    const file = await req.file();
+    if (!file) return reply.code(400).send({ message: 'File required' });
+
+    const type = String((file.fields as any)?.type?.value ?? 'OTHER').toUpperCase();
+    const ext = path.extname(file.filename) || '';
+    const key = `${crypto.randomUUID()}${ext}`;
+    const abs = path.join(UPLOAD_DIR, key);
+    const buffer = await file.toBuffer();
+    await fs.writeFile(abs, buffer);
+
+    const attachment = await app.prisma.claimAttachment.create({
+      data: {
+        claimId: id,
+        type: (['RECEIPT', 'DIAGNOSIS', 'DETAIL', 'OTHER'].includes(type) ? type : 'OTHER') as any,
+        objectKey: key,
+        mimeType: file.mimetype,
+        size: buffer.length,
+      },
+    });
+    reply.code(201);
+    return attachment;
+  });
+
+  app.patch('/:id/status', async (req, reply) => {
+    const { id } = req.params as { id: string };
+    const { status, note, amount } = (req.body ?? {}) as { status?: string; note?: string; amount?: number };
+    if (!status) return reply.code(400).send({ message: 'status required' });
+
+    const existing = await app.prisma.claim.findFirst({ where: { id, userId: req.user.sub } });
+    if (!existing) return reply.code(404).send({ message: 'Not found' });
+
+    const updated = await app.prisma.claim.update({
+      where: { id },
+      data: {
+        status: status as any,
+        ...(amount !== undefined && { amount }),
+        events: { create: { status: status as any, note } },
+      },
+      include: { events: { orderBy: { createdAt: 'desc' } } },
+    });
+    return updated;
+  });
+}
@@ -0,0 +1,35 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+
+const CreateConsult = z.object({
+  method: z.enum(['KAKAO', 'PHONE', 'VISIT']),
+  phone: z.string().optional(),
+  preferredAt: z.string().optional(),
+  memo: z.string().optional(),
+});
+
+export async function consultRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.get('/', async (req) => {
+    return app.prisma.consult.findMany({
+      where: { userId: req.user.sub },
+      orderBy: { createdAt: 'desc' },
+    });
+  });
+
+  app.post('/', async (req, reply) => {
+    const body = CreateConsult.parse(req.body);
+    const c = await app.prisma.consult.create({
+      data: {
+        userId: req.user.sub,
+        method: body.method,
+        phone: body.phone,
+        preferredAt: body.preferredAt ? new Date(body.preferredAt) : null,
+        memo: body.memo,
+      },
+    });
+    reply.code(201);
+    return c;
+  });
+}
@@ -0,0 +1,61 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+import { computeScore } from './score';
+
+const DiagnosisBody = z.object({
+  answers: z.record(z.string(), z.string()),
+});
+
+export async function diagnosisRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.get('/', async (req) => {
+    return app.prisma.diagnosis.findMany({
+      where: { userId: req.user.sub },
+      orderBy: { createdAt: 'desc' },
+      take: 10,
+    });
+  });
+
+  app.post('/', async (req, reply) => {
+    const body = DiagnosisBody.parse(req.body);
+    const score = await computeScore(app, req.user.sub);
+    const recommendations = recommend(body.answers, score.breakdown);
+
+    const saved = await app.prisma.diagnosis.create({
+      data: {
+        userId: req.user.sub,
+        answers: body.answers,
+        score: score.total,
+        breakdown: { categories: score.breakdown, recommendations },
+      },
+    });
+    reply.code(201);
+    return saved;
+  });
+}
+
+function recommend(answers: Record<string, string>, breakdown: Array<{ label: string; status: string }>) {
+  const recs: Array<{ name: string; reason: string; priority: '필수' | '권장' | '선택' }> = [];
+
+  const missing = breakdown.filter((b) => b.status === 'none' || b.status === 'bad');
+  missing.forEach((m) => {
+    recs.push({
+      name: m.label,
+      reason: `현재 ${m.status === 'none' ? '미가입' : '보장 부족'}`,
+      priority: m.label === '실손보험' ? '필수' : '권장',
+    });
+  });
+
+  if (answers.family === '있음') {
+    recs.push({ name: '암보험 진단비 강화', reason: '가족력 있음', priority: '필수' });
+  }
+  if (answers.smoke === '흡연') {
+    recs.push({ name: '뇌혈관/심장 특약', reason: '흡연자 고위험군', priority: '권장' });
+  }
+  if (answers.hospital === '3회 이상') {
+    recs.push({ name: '입원일당 특약', reason: '잦은 입원 이력', priority: '권장' });
+  }
+
+  return recs.slice(0, 6);
+}
@@ -0,0 +1,56 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+
+const CreateFamily = z.object({
+  relation: z.enum(['SELF', 'SPOUSE', 'CHILD', 'PARENT', 'SIBLING']),
+  name: z.string().min(1),
+  age: z.number().int().min(0).max(120),
+  gender: z.enum(['MALE', 'FEMALE']),
+});
+
+const UpdateFamily = CreateFamily.partial();
+
+export async function familyRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.get('/', async (req) => {
+    const members = await app.prisma.familyMember.findMany({
+      where: { userId: req.user.sub },
+      include: { policies: true },
+      orderBy: { relation: 'asc' },
+    });
+    return members.map(sanitize);
+  });
+
+  app.post('/', async (req, reply) => {
+    const body = CreateFamily.parse(req.body);
+    const created = await app.prisma.familyMember.create({
+      data: { ...body, userId: req.user.sub },
+    });
+    reply.code(201);
+    return created;
+  });
+
+  app.patch('/:id', async (req, reply) => {
+    const { id } = req.params as { id: string };
+    const body = UpdateFamily.parse(req.body);
+    const existing = await app.prisma.familyMember.findFirst({ where: { id, userId: req.user.sub } });
+    if (!existing) return reply.code(404).send({ message: 'Not found' });
+    return app.prisma.familyMember.update({ where: { id }, data: body });
+  });
+
+  app.delete('/:id', async (req, reply) => {
+    const { id } = req.params as { id: string };
+    const existing = await app.prisma.familyMember.findFirst({ where: { id, userId: req.user.sub } });
+    if (!existing) return reply.code(404).send({ message: 'Not found' });
+    await app.prisma.familyMember.delete({ where: { id } });
+    return { ok: true };
+  });
+}
+
+function sanitize(m: any) {
+  return {
+    ...m,
+    policies: m.policies.map((p: any) => ({ ...p, coverage: Number(p.coverage) })),
+  };
+}
@@ -0,0 +1,22 @@
+import type { FastifyInstance } from 'fastify';
+import { authRoutes } from './auth';
+import { userRoutes } from './users';
+import { familyRoutes } from './family';
+import { policyRoutes } from './policies';
+import { claimRoutes } from './claims';
+import { scoreRoutes } from './score';
+import { notificationRoutes } from './notifications';
+import { diagnosisRoutes } from './diagnosis';
+import { consultRoutes } from './consults';
+
+export async function registerRoutes(app: FastifyInstance) {
+  await app.register(authRoutes, { prefix: '/auth' });
+  await app.register(userRoutes, { prefix: '/users' });
+  await app.register(familyRoutes, { prefix: '/family' });
+  await app.register(policyRoutes, { prefix: '/policies' });
+  await app.register(claimRoutes, { prefix: '/claims' });
+  await app.register(scoreRoutes, { prefix: '/score' });
+  await app.register(notificationRoutes, { prefix: '/notifications' });
+  await app.register(diagnosisRoutes, { prefix: '/diagnosis' });
+  await app.register(consultRoutes, { prefix: '/consults' });
+}
@@ -0,0 +1,58 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+
+const CreateNotification = z.object({
+  title: z.string(),
+  body: z.string(),
+  tone: z.enum(['INFO', 'WARN', 'DANGER']).optional(),
+  scheduled: z.string(),
+});
+
+export async function notificationRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.get('/', async (req) => {
+    return app.prisma.notification.findMany({
+      where: { userId: req.user.sub },
+      orderBy: { scheduled: 'asc' },
+    });
+  });
+
+  app.post('/', async (req, reply) => {
+    const body = CreateNotification.parse(req.body);
+    const created = await app.prisma.notification.create({
+      data: {
+        userId: req.user.sub,
+        title: body.title,
+        body: body.body,
+        tone: body.tone ?? 'INFO',
+        scheduled: new Date(body.scheduled),
+      },
+    });
+    reply.code(201);
+    return created;
+  });
+
+  app.patch('/:id/read', async (req, reply) => {
+    const { id } = req.params as { id: string };
+    const existing = await app.prisma.notification.findFirst({ where: { id, userId: req.user.sub } });
+    if (!existing) return reply.code(404).send({ message: 'Not found' });
+    return app.prisma.notification.update({ where: { id }, data: { readAt: new Date() } });
+  });
+
+  app.get('/upcoming', async (req) => {
+    const policies = await app.prisma.policy.findMany({
+      where: { userId: req.user.sub, renewalDate: { not: null } },
+    });
+    const now = new Date();
+    return policies
+      .filter((p) => p.renewalDate && p.renewalDate > now)
+      .map((p) => ({
+        policyId: p.id,
+        title: `${p.name} 갱신`,
+        scheduled: p.renewalDate,
+        days: Math.ceil(((p.renewalDate as Date).getTime() - now.getTime()) / (1000 * 60 * 60 * 24)),
+      }))
+      .sort((a, b) => (a.days ?? 0) - (b.days ?? 0));
+  });
+}
@@ -0,0 +1,112 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+
+const PolicyType = z.enum([
+  'SILSON',
+  'CANCER',
+  'LIFE',
+  'ACCIDENT',
+  'CHILD',
+  'NURSING',
+  'FEMALE',
+  'DENTAL',
+  'DRIVER',
+  'CAR',
+]);
+
+const CreatePolicy = z.object({
+  name: z.string().min(1),
+  insurer: z.string().min(1),
+  type: PolicyType,
+  monthlyPremium: z.number().int().min(0),
+  coverage: z.number().int().min(0),
+  joinDate: z.string().datetime().or(z.string()),
+  maturityDate: z.string().datetime().or(z.string()).optional(),
+  renewalDate: z.string().datetime().or(z.string()).optional(),
+  silsonGen: z.number().int().min(1).max(5).optional(),
+  isGroup: z.boolean().optional(),
+  familyMemberId: z.string().optional(),
+});
+
+const UpdatePolicy = CreatePolicy.partial();
+
+export async function policyRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.get('/', async (req) => {
+    const { familyMemberId } = (req.query ?? {}) as { familyMemberId?: string };
+    const policies = await app.prisma.policy.findMany({
+      where: { userId: req.user.sub, ...(familyMemberId ? { familyMemberId } : {}) },
+      orderBy: { createdAt: 'desc' },
+    });
+    return policies.map(sanitize);
+  });
+
+  app.post('/', async (req, reply) => {
+    const body = CreatePolicy.parse(req.body);
+    const created = await app.prisma.policy.create({
+      data: {
+        userId: req.user.sub,
+        name: body.name,
+        insurer: body.insurer,
+        type: body.type,
+        monthlyPremium: body.monthlyPremium,
+        coverage: BigInt(body.coverage),
+        joinDate: new Date(body.joinDate),
+        maturityDate: body.maturityDate ? new Date(body.maturityDate) : null,
+        renewalDate: body.renewalDate ? new Date(body.renewalDate) : null,
+        silsonGen: body.silsonGen,
+        isGroup: body.isGroup ?? false,
+        familyMemberId: body.familyMemberId,
+      },
+    });
+
+    await recomputeProfilePremium(app, req.user.sub);
+
+    reply.code(201);
+    return sanitize(created);
+  });
+
+  app.patch('/:id', async (req, reply) => {
+    const { id } = req.params as { id: string };
+    const body = UpdatePolicy.parse(req.body);
+    const existing = await app.prisma.policy.findFirst({ where: { id, userId: req.user.sub } });
+    if (!existing) return reply.code(404).send({ message: 'Not found' });
+
+    const updated = await app.prisma.policy.update({
+      where: { id },
+      data: {
+        ...body,
+        ...(body.coverage !== undefined && { coverage: BigInt(body.coverage) }),
+        ...(body.joinDate !== undefined && { joinDate: new Date(body.joinDate) }),
+        ...(body.maturityDate !== undefined && { maturityDate: body.maturityDate ? new Date(body.maturityDate) : null }),
+        ...(body.renewalDate !== undefined && { renewalDate: body.renewalDate ? new Date(body.renewalDate) : null }),
+      },
+    });
+
+    await recomputeProfilePremium(app, req.user.sub);
+
+    return sanitize(updated);
+  });
+
+  app.delete('/:id', async (req, reply) => {
+    const { id } = req.params as { id: string };
+    const existing = await app.prisma.policy.findFirst({ where: { id, userId: req.user.sub } });
+    if (!existing) return reply.code(404).send({ message: 'Not found' });
+    await app.prisma.policy.delete({ where: { id } });
+
+    await recomputeProfilePremium(app, req.user.sub);
+
+    return { ok: true };
+  });
+}
+
+function sanitize(p: any) {
+  return { ...p, coverage: Number(p.coverage) };
+}
+
+async function recomputeProfilePremium(app: FastifyInstance, userId: string) {
+  const own = await app.prisma.policy.findMany({ where: { userId, familyMemberId: null } });
+  const total = own.reduce((a, p) => a + p.monthlyPremium, 0);
+  await app.prisma.profile.update({ where: { userId }, data: { monthlyPremium: total } });
+}
@@ -0,0 +1,79 @@
+import type { FastifyInstance } from 'fastify';
+
+export async function scoreRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.get('/', async (req) => {
+    return computeScore(app, req.user.sub);
+  });
+
+  app.post('/recompute', async (req) => {
+    const result = await computeScore(app, req.user.sub);
+    await app.prisma.profile.update({
+      where: { userId: req.user.sub },
+      data: { score: result.total },
+    });
+    return result;
+  });
+}
+
+type Category = '실손보험' | '암보험' | '상해보험' | '종신보험' | '간병보험' | '치아보험';
+type Status = 'good' | 'warn' | 'bad' | 'none';
+
+const categoryMap: Record<string, Category> = {
+  SILSON: '실손보험',
+  CANCER: '암보험',
+  ACCIDENT: '상해보험',
+  LIFE: '종신보험',
+  NURSING: '간병보험',
+  DENTAL: '치아보험',
+};
+
+const weights: Record<Category, number> = {
+  실손보험: 25,
+  암보험: 20,
+  상해보험: 15,
+  종신보험: 15,
+  간병보험: 15,
+  치아보험: 10,
+};
+
+const minCoverageByCategory: Record<Category, number> = {
+  실손보험: 10_000_000,
+  암보험: 30_000_000,
+  상해보험: 10_000_000,
+  종신보험: 30_000_000,
+  간병보험: 20_000_000,
+  치아보험: 3_000_000,
+};
+
+export async function computeScore(app: FastifyInstance, userId: string) {
+  const profile = await app.prisma.profile.findUnique({ where: { userId } });
+  const policies = await app.prisma.policy.findMany({ where: { userId, familyMemberId: null } });
+
+  const categories = Object.keys(weights) as Category[];
+  const breakdown = categories.map((cat) => {
+    const mine = policies.filter((p) => categoryMap[p.type] === cat);
+    if (mine.length === 0) {
+      return { label: cat, value: 0, status: 'none' as Status };
+    }
+    const maxCoverage = Math.max(...mine.map((p) => Number(p.coverage)));
+    const minReq = minCoverageByCategory[cat];
+    const ratio = Math.min(1.5, maxCoverage / minReq);
+    const value = Math.round(Math.min(100, ratio * 85 + mine.length * 5));
+    const status: Status = value >= 80 ? 'good' : value >= 60 ? 'warn' : 'bad';
+    return { label: cat, value, status };
+  });
+
+  const total = Math.round(
+    breakdown.reduce((a, b) => a + (b.value * weights[b.label as Category]) / 100, 0)
+  );
+
+  // 나이 기반 간병보험 필요성 가중치
+  let adjustedTotal = total;
+  if (profile && profile.age >= 50 && breakdown.find((b) => b.label === '간병보험')?.status === 'none') {
+    adjustedTotal = Math.max(0, total - 10);
+  }
+
+  return { total: Math.min(100, Math.max(0, adjustedTotal)), breakdown };
+}
@@ -0,0 +1,36 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+
+const UpdateProfile = z.object({
+  age: z.number().int().min(0).max(120).optional(),
+  gender: z.enum(['MALE', 'FEMALE']).optional(),
+  job: z.string().optional(),
+  phone: z.string().optional(),
+  name: z.string().optional(),
+});
+
+export async function userRoutes(app: FastifyInstance) {
+  app.patch('/me', { onRequest: [app.authenticate] }, async (req) => {
+    const body = UpdateProfile.parse(req.body);
+    const userId = req.user.sub;
+
+    const { name, phone, ...profileFields } = body;
+
+    await app.prisma.$transaction(async (tx) => {
+      if (name !== undefined || phone !== undefined) {
+        await tx.user.update({
+          where: { id: userId },
+          data: { ...(name !== undefined && { name }), ...(phone !== undefined && { phone }) },
+        });
+      }
+      if (Object.keys(profileFields).length > 0) {
+        await tx.profile.update({
+          where: { userId },
+          data: profileFields,
+        });
+      }
+    });
+
+    return { ok: true };
+  });
+}
@@ -0,0 +1,22 @@
+{
+  "compilerOptions": {
+    "target": "ES2022",
+    "module": "commonjs",
+    "lib": ["ES2022"],
+    "outDir": "dist",
+    "rootDir": "src",
+    "strict": true,
+    "esModuleInterop": true,
+    "skipLibCheck": true,
+    "forceConsistentCasingInFileNames": true,
+    "resolveJsonModule": true,
+    "declaration": false,
+    "sourceMap": true,
+    "baseUrl": ".",
+    "paths": {
+      "@/*": ["src/*"]
+    }
+  },
+  "include": ["src/**/*"],
+  "exclude": ["node_modules", "dist"]
+}
@@ -0,0 +1,92 @@
+import AsyncStorage from '@react-native-async-storage/async-storage';
+import { Platform } from 'react-native';
+
+const defaultBase =
+  Platform.OS === 'web'
+    ? (typeof window !== 'undefined' && (window as any).__API_BASE__) || 'http://localhost:4000'
+    : 'http://10.0.2.2:4000';
+
+export const API_BASE = (process.env.EXPO_PUBLIC_API_BASE as string) || defaultBase;
+
+const TOKEN_KEY = 'insurance.token';
+
+let memoryToken: string | null = null;
+
+export async function loadToken() {
+  if (memoryToken) return memoryToken;
+  try {
+    memoryToken = await AsyncStorage.getItem(TOKEN_KEY);
+  } catch {
+    memoryToken = null;
+  }
+  return memoryToken;
+}
+export async function saveToken(t: string) {
+  memoryToken = t;
+  try {
+    await AsyncStorage.setItem(TOKEN_KEY, t);
+  } catch {}
+}
+export async function clearToken() {
+  memoryToken = null;
+  try {
+    await AsyncStorage.removeItem(TOKEN_KEY);
+  } catch {}
+}
+
+export class ApiError extends Error {
+  constructor(public status: number, public payload: any, message: string) {
+    super(message);
+  }
+}
+
+type Options = {
+  method?: 'GET' | 'POST' | 'PATCH' | 'DELETE';
+  body?: any;
+  query?: Record<string, any>;
+  multipart?: boolean;
+  skipAuth?: boolean;
+};
+
+export async function api<T = any>(path: string, opts: Options = {}): Promise<T> {
+  const { method = 'GET', body, query, multipart, skipAuth } = opts;
+
+  let url = `${API_BASE}${path}`;
+  if (query) {
+    const qs = new URLSearchParams();
+    Object.entries(query).forEach(([k, v]) => v !== undefined && qs.append(k, String(v)));
+    const q = qs.toString();
+    if (q) url += `?${q}`;
+  }
+
+  const headers: Record<string, string> = {};
+  if (!multipart) headers['Content-Type'] = 'application/json';
+
+  if (!skipAuth) {
+    const tok = await loadToken();
+    if (tok) headers['Authorization'] = `Bearer ${tok}`;
+  }
+
+  const res = await fetch(url, {
+    method,
+    headers,
+    body: multipart ? body : body !== undefined ? JSON.stringify(body) : undefined,
+  });
+
+  const text = await res.text();
+  const payload = text ? safeParse(text) : null;
+
+  if (!res.ok) {
+    const msg = payload?.message ?? `HTTP ${res.status}`;
+    throw new ApiError(res.status, payload, msg);
+  }
+  return payload as T;
+}
+
+function safeParse(t: string) {
+  try {
+    return JSON.parse(t);
+  } catch {
+    return t;
+  }
+}
@@ -0,0 +1,128 @@
+import { api } from './client';
+
+export type User = {
+  id: string;
+  email: string | null;
+  name: string;
+  phone: string | null;
+  provider: 'EMAIL' | 'KAKAO' | 'APPLE' | 'NAVER' | 'GOOGLE';
+  profileImage: string | null;
+  profile: {
+    age: number;
+    gender: 'MALE' | 'FEMALE';
+    job: string;
+    monthlyPremium: number;
+    score: number;
+  } | null;
+};
+
+export type AuthResponse = { token: string; user: User };
+
+export const authApi = {
+  register: (body: {
+    email: string;
+    password: string;
+    name: string;
+    age: number;
+    gender: 'MALE' | 'FEMALE';
+    job?: string;
+    phone?: string;
+  }) => api<AuthResponse>('/auth/register', { method: 'POST', body, skipAuth: true }),
+
+  login: (email: string, password: string) =>
+    api<AuthResponse>('/auth/login', { method: 'POST', body: { email, password }, skipAuth: true }),
+
+  kakao: (accessToken: string) =>
+    api<AuthResponse>('/auth/kakao', { method: 'POST', body: { accessToken }, skipAuth: true }),
+
+  me: () => api<User>('/auth/me'),
+};
+
+export type Policy = {
+  id: string;
+  name: string;
+  insurer: string;
+  type: string;
+  monthlyPremium: number;
+  coverage: number;
+  joinDate: string;
+  maturityDate: string | null;
+  renewalDate: string | null;
+  silsonGen: number | null;
+  isGroup: boolean;
+  familyMemberId: string | null;
+};
+
+export const policyApi = {
+  list: () => api<Policy[]>('/policies'),
+  create: (body: Partial<Policy>) => api<Policy>('/policies', { method: 'POST', body }),
+  update: (id: string, body: Partial<Policy>) => api<Policy>(`/policies/${id}`, { method: 'PATCH', body }),
+  remove: (id: string) => api(`/policies/${id}`, { method: 'DELETE' }),
+};
+
+export type FamilyMember = {
+  id: string;
+  relation: 'SELF' | 'SPOUSE' | 'CHILD' | 'PARENT' | 'SIBLING';
+  name: string;
+  age: number;
+  gender: 'MALE' | 'FEMALE';
+  policies: Policy[];
+};
+
+export const familyApi = {
+  list: () => api<FamilyMember[]>('/family'),
+  create: (body: Omit<FamilyMember, 'id' | 'policies'>) => api<FamilyMember>('/family', { method: 'POST', body }),
+  update: (id: string, body: Partial<Omit<FamilyMember, 'id' | 'policies'>>) =>
+    api<FamilyMember>(`/family/${id}`, { method: 'PATCH', body }),
+  remove: (id: string) => api(`/family/${id}`, { method: 'DELETE' }),
+};
+
+export type Claim = {
+  id: string;
+  title: string;
+  hospital: string | null;
+  visitDate: string | null;
+  status: 'SUBMITTED' | 'REVIEWING' | 'ADDITIONAL_DOCS' | 'APPROVED' | 'PAID' | 'REJECTED';
+  amount: number | null;
+  attachments: Array<{ id: string; type: string; objectKey: string }>;
+  events: Array<{ id: string; status: string; note: string | null; createdAt: string }>;
+  createdAt: string;
+};
+
+export const claimApi = {
+  list: () => api<Claim[]>('/claims'),
+  create: (body: { title: string; hospital?: string; visitDate?: string }) =>
+    api<Claim>('/claims', { method: 'POST', body }),
+  uploadAttachment: async (claimId: string, fileUri: string, type: 'RECEIPT' | 'DIAGNOSIS' | 'DETAIL') => {
+    const form = new FormData();
+    form.append('type', type);
+    // @ts-expect-error RN FormData file shape
+    form.append('file', { uri: fileUri, name: fileUri.split('/').pop(), type: 'image/jpeg' });
+    return api(`/claims/${claimId}/attachments`, { method: 'POST', body: form as any, multipart: true });
+  },
+};
+
+export const scoreApi = {
+  get: () => api<{ total: number; breakdown: Array<{ label: string; value: number; status: string }> }>('/score'),
+  recompute: () =>
+    api<{ total: number; breakdown: Array<{ label: string; value: number; status: string }> }>('/score/recompute', {
+      method: 'POST',
+    }),
+};
+
+export const notificationApi = {
+  list: () => api<any[]>('/notifications'),
+  upcoming: () => api<any[]>('/notifications/upcoming'),
+  markRead: (id: string) => api(`/notifications/${id}/read`, { method: 'PATCH' }),
+};
+
+export const diagnosisApi = {
+  list: () => api<any[]>('/diagnosis'),
+  submit: (answers: Record<string, string>) => api<any>('/diagnosis', { method: 'POST', body: { answers } }),
+};
+
+export const consultApi = {
+  list: () => api<any[]>('/consults'),
+  create: (body: { method: 'KAKAO' | 'PHONE' | 'VISIT'; phone?: string; preferredAt?: string; memo?: string }) =>
+    api<any>('/consults', { method: 'POST', body }),
+};
@@ -0,0 +1,46 @@
+import React from 'react';
+import { View, Text, StyleSheet } from 'react-native';
+import { colors } from '@/theme/colors';
+import { typography } from '@/theme/typography';
+
+type Props = {
+  data: Array<{ label: string; value: number }>;
+  unit?: string;
+  barColor?: string;
+  height?: number;
+};
+
+export default function BarChartSimple({ data, unit = '', barColor = colors.primary, height = 180 }: Props) {
+  const max = Math.max(...data.map((d) => d.value), 1);
+  return (
+    <View style={styles.wrap}>
+      <View style={[styles.bars, { height }]}>
+        {data.map((d, i) => {
+          const pct = (d.value / max) * 100;
+          return (
+            <View key={i} style={styles.barCol}>
+              <Text style={styles.value}>
+                {d.value}
+                {unit}
+              </Text>
+              <View style={styles.barTrack}>
+                <View style={[styles.bar, { height: `${pct}%`, backgroundColor: barColor }]} />
+              </View>
+              <Text style={styles.label}>{d.label}</Text>
+            </View>
+          );
+        })}
+      </View>
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  wrap: { width: '100%' },
+  bars: { flexDirection: 'row', alignItems: 'flex-end', justifyContent: 'space-between' },
+  barCol: { flex: 1, alignItems: 'center', justifyContent: 'flex-end', paddingHorizontal: 4 },
+  barTrack: { width: '70%', height: '70%', justifyContent: 'flex-end', marginVertical: 4 },
+  bar: { width: '100%', borderTopLeftRadius: 6, borderTopRightRadius: 6, minHeight: 4 },
+  value: { ...typography.small, color: colors.textSecondary, fontWeight: '600' },
+  label: { ...typography.small, color: colors.text, fontWeight: '600' },
+});
@@ -0,0 +1,27 @@
+import React from 'react';
+import { View, Text, ScrollView } from 'react-native';
+
+type Props = { children: React.ReactNode };
+type State = { error: Error | null };
+
+export default class ErrorBoundary extends React.Component<Props, State> {
+  state: State = { error: null };
+  static getDerivedStateFromError(error: Error) {
+    return { error };
+  }
+  componentDidCatch(error: Error, info: React.ErrorInfo) {
+    console.error('[ErrorBoundary]', error, info);
+  }
+  render() {
+    if (this.state.error) {
+      return (
+        <ScrollView style={{ flex: 1, backgroundColor: '#FEE2E2', padding: 20 }}>
+          <Text style={{ fontSize: 20, fontWeight: '800', color: '#991B1B' }}>⚠️ 렌더링 오류</Text>
+          <Text style={{ marginTop: 8, color: '#7F1D1D', fontWeight: '600' }}>{this.state.error.message}</Text>
+          <Text style={{ marginTop: 12, color: '#7F1D1D', fontSize: 12 }}>{this.state.error.stack}</Text>
+        </ScrollView>
+      );
+    }
+    return this.props.children as any;
+  }
+}
@@ -1,39 +1,49 @@
 import React from 'react';
 import { View, Text, StyleSheet } from 'react-native';
-import Svg, { Circle } from 'react-native-svg';
 import { colors } from '@/theme/colors';
 import { typography } from '@/theme/typography';

 type Props = {
-  value: number; // 0-100
+  value: number;
  size?: number;
  label?: string;
 };

 export default function ScoreGauge({ value, size = 180, label = '내 보험 점수' }: Props) {
-  const stroke = 14;
-  const radius = (size - stroke) / 2;
-  const circ = 2 * Math.PI * radius;
  const pct = Math.max(0, Math.min(100, value));
-  const dash = circ * (pct / 100);
  const color = pct >= 80 ? colors.success : pct >= 60 ? colors.accent : colors.danger;
+  const stroke = 14;

  return (
    <View style={{ width: size, height: size, alignItems: 'center', justifyContent: 'center' }}>
-      <Svg width={size} height={size}>
-        <Circle cx={size / 2} cy={size / 2} r={radius} stroke={colors.surfaceAlt} strokeWidth={stroke} fill="none" />
-        <Circle
-          cx={size / 2}
-          cy={size / 2}
-          r={radius}
-          stroke={color}
-          strokeWidth={stroke}
-          fill="none"
-          strokeLinecap="round"
-          strokeDasharray={`${dash}, ${circ}`}
-          transform={`rotate(-90 ${size / 2} ${size / 2})`}
-        />
-      </Svg>
+      <View
+        style={[
+          styles.track,
+          {
+            width: size,
+            height: size,
+            borderRadius: size / 2,
+            borderWidth: stroke,
+            borderColor: colors.surfaceAlt,
+          },
+        ]}
+      />
+      <View
+        style={[
+          styles.fill,
+          {
+            width: size,
+            height: size,
+            borderRadius: size / 2,
+            borderWidth: stroke,
+            borderTopColor: color,
+            borderRightColor: pct > 25 ? color : colors.surfaceAlt,
+            borderBottomColor: pct > 50 ? color : colors.surfaceAlt,
+            borderLeftColor: pct > 75 ? color : colors.surfaceAlt,
+            transform: [{ rotate: `${pct * 3.6 - 90}deg` }],
+          },
+        ]}
+      />
      <View style={styles.center}>
        <Text style={styles.label}>{label}</Text>
        <Text style={[styles.value, { color }]}>{pct}</Text>
@@ -44,11 +54,9 @@ export default function ScoreGauge({ value, size = 180, label = '내 보험 점
 }

 const styles = StyleSheet.create({
-  center: {
-    position: 'absolute',
-    alignItems: 'center',
-    justifyContent: 'center',
-  },
+  track: { position: 'absolute' },
+  fill: { position: 'absolute' },
+  center: { position: 'absolute', alignItems: 'center', justifyContent: 'center' },
  label: { ...typography.caption, color: colors.textSecondary },
  value: { fontSize: 48, fontWeight: '800', marginTop: 2 },
  unit: { ...typography.small, color: colors.textTertiary },
@@ -1,6 +1,9 @@
-import React from 'react';
+import React, { useEffect } from 'react';
+import { View, ActivityIndicator } from 'react-native';
 import { createNativeStackNavigator } from '@react-navigation/native-stack';
 import BottomTabs from './BottomTabs';
+import LoginScreen from '@/screens/auth/LoginScreen';
+import RegisterScreen from '@/screens/auth/RegisterScreen';
 import DiagnosisScreen from '@/screens/DiagnosisScreen';
 import AnalysisScreen from '@/screens/AnalysisScreen';
 import ScoreScreen from '@/screens/ScoreScreen';
@@ -15,8 +18,12 @@ import AIJudgeScreen from '@/screens/AIJudgeScreen';
 import PremiumDietScreen from '@/screens/PremiumDietScreen';
 import SilsonGenScreen from '@/screens/SilsonGenScreen';
 import NotificationScreen from '@/screens/NotificationScreen';
+import { useAuthStore } from '@/store/useAuthStore';
+import { colors } from '@/theme/colors';

 export type RootStackParamList = {
+  Login: undefined;
+  Register: undefined;
  Tabs: undefined;
  Diagnosis: undefined;
  Analysis: undefined;
@@ -37,23 +44,46 @@ export type RootStackParamList = {
 const Stack = createNativeStackNavigator<RootStackParamList>();

 export default function RootNavigator() {
+  const { user, loading, hydrate } = useAuthStore();
+
+  useEffect(() => {
+    hydrate();
+  }, [hydrate]);
+
+  if (loading) {
+    return (
+      <View style={{ flex: 1, alignItems: 'center', justifyContent: 'center', backgroundColor: colors.background }}>
+        <ActivityIndicator size="large" color={colors.primary} />
+      </View>
+    );
+  }
+
  return (
    <Stack.Navigator screenOptions={{ headerShown: false }}>
-      <Stack.Screen name="Tabs" component={BottomTabs} />
-      <Stack.Screen name="Diagnosis" component={DiagnosisScreen} />
-      <Stack.Screen name="Analysis" component={AnalysisScreen} />
-      <Stack.Screen name="Score" component={ScoreScreen} />
-      <Stack.Screen name="Consult" component={ConsultScreen} />
-      <Stack.Screen name="HiddenMoney" component={HiddenMoneyScreen} />
-      <Stack.Screen name="DiseaseCode" component={DiseaseCodeScreen} />
-      <Stack.Screen name="Claim" component={ClaimScreen} />
-      <Stack.Screen name="HealthCheck" component={HealthCheckScreen} />
-      <Stack.Screen name="Family" component={FamilyScreen} />
-      <Stack.Screen name="HospitalChecklist" component={HospitalChecklistScreen} />
-      <Stack.Screen name="AIJudge" component={AIJudgeScreen} />
-      <Stack.Screen name="PremiumDiet" component={PremiumDietScreen} />
-      <Stack.Screen name="SilsonGen" component={SilsonGenScreen} />
-      <Stack.Screen name="Notifications" component={NotificationScreen} />
+      {user ? (
+        <>
+          <Stack.Screen name="Tabs" component={BottomTabs} />
+          <Stack.Screen name="Diagnosis" component={DiagnosisScreen} />
+          <Stack.Screen name="Analysis" component={AnalysisScreen} />
+          <Stack.Screen name="Score" component={ScoreScreen} />
+          <Stack.Screen name="Consult" component={ConsultScreen} />
+          <Stack.Screen name="HiddenMoney" component={HiddenMoneyScreen} />
+          <Stack.Screen name="DiseaseCode" component={DiseaseCodeScreen} />
+          <Stack.Screen name="Claim" component={ClaimScreen} />
+          <Stack.Screen name="HealthCheck" component={HealthCheckScreen} />
+          <Stack.Screen name="Family" component={FamilyScreen} />
+          <Stack.Screen name="HospitalChecklist" component={HospitalChecklistScreen} />
+          <Stack.Screen name="AIJudge" component={AIJudgeScreen} />
+          <Stack.Screen name="PremiumDiet" component={PremiumDietScreen} />
+          <Stack.Screen name="SilsonGen" component={SilsonGenScreen} />
+          <Stack.Screen name="Notifications" component={NotificationScreen} />
+        </>
+      ) : (
+        <>
+          <Stack.Screen name="Login" component={LoginScreen} />
+          <Stack.Screen name="Register" component={RegisterScreen} />
+        </>
+      )}
    </Stack.Navigator>
  );
 }
@@ -1,16 +1,14 @@
 import React, { useState } from 'react';
-import { View, Text, StyleSheet, TouchableOpacity, Dimensions } from 'react-native';
-import { BarChart } from 'react-native-chart-kit';
+import { View, Text, StyleSheet, TouchableOpacity } from 'react-native';
 import ScreenContainer from '@/components/ScreenContainer';
 import Header from '@/components/Header';
 import Card from '@/components/Card';
 import Section from '@/components/Section';
 import Badge from '@/components/Badge';
+import BarChartSimple from '@/components/BarChartSimple';
 import { colors } from '@/theme/colors';
 import { radius, spacing, typography } from '@/theme/typography';

-const screenWidth = Dimensions.get('window').width;
-
 const data = {
  '20대': { prem: 18, must: ['실손', '상해'], rec: ['암 (가족력)'], avgCoverage: '2,000만원' },
  '30대': { prem: 28, must: ['실손', '암', '종신'], rec: ['여성특화', '치아'], avgCoverage: '5,000만원' },
@@ -79,26 +77,11 @@ export default function AnalysisScreen() {

      <Section title="연령별 평균 월 보험료">
        <Card padding="md">
-          <BarChart
-            data={{
-              labels: ages as unknown as string[],
-              datasets: [{ data: ages.map((a) => data[a].prem) }],
-            }}
-            width={screenWidth - spacing.lg * 2 - spacing.md * 2}
-            height={220}
-            yAxisLabel=""
-            yAxisSuffix="만"
-            fromZero
-            chartConfig={{
-              backgroundGradientFrom: '#FFF',
-              backgroundGradientTo: '#FFF',
-              decimalPlaces: 0,
-              color: (o = 1) => `rgba(59, 130, 246, ${o})`,
-              labelColor: (o = 1) => `rgba(107, 114, 128, ${o})`,
-              propsForBackgroundLines: { stroke: colors.border, strokeDasharray: '3,3' },
-              barPercentage: 0.6,
-            }}
-            style={{ borderRadius: radius.md, marginLeft: -10 }}
+          <BarChartSimple
+            data={ages.map((a) => ({ label: a, value: data[a].prem }))}
+            unit="만"
+            barColor={colors.primary}
+            height={200}
          />
        </Card>
      </Section>
@@ -1,5 +1,5 @@
-import React from 'react';
-import { View, Text, StyleSheet } from 'react-native';
+import React, { useEffect, useState } from 'react';
+import { View, Text, StyleSheet, RefreshControl, ScrollView } from 'react-native';
 import { useNavigation } from '@react-navigation/native';
 import type { NativeStackNavigationProp } from '@react-navigation/native-stack';
 import { Ionicons } from '@expo/vector-icons';
@@ -9,86 +9,124 @@ import Card from '@/components/Card';
 import Section from '@/components/Section';
 import Badge from '@/components/Badge';
 import Button from '@/components/Button';
-import { useAppStore } from '@/store/useAppStore';
+import { useDataStore } from '@/store/useDataStore';
 import { colors } from '@/theme/colors';
 import { spacing, typography } from '@/theme/typography';
 import type { RootStackParamList } from '@/navigation/RootNavigator';

 type Nav = NativeStackNavigationProp<RootStackParamList>;

+const statusLabel: Record<string, string> = {
+  SUBMITTED: '접수',
+  REVIEWING: '심사',
+  ADDITIONAL_DOCS: '서류보완',
+  APPROVED: '승인',
+  PAID: '지급완료',
+  REJECTED: '거절',
+};
+
 export default function ClaimHubScreen() {
  const nav = useNavigation<Nav>();
-  const claims = useAppStore((s) => s.claims);
+  const { claims, fetchClaims } = useDataStore();
+  const [refreshing, setRefreshing] = useState(false);
+
+  useEffect(() => {
+    fetchClaims();
+  }, [fetchClaims]);
+
+  const onRefresh = async () => {
+    setRefreshing(true);
+    await fetchClaims();
+    setRefreshing(false);
+  };

  return (
-    <ScreenContainer>
+    <ScreenContainer scroll={false}>
      <Header title="보험금" showBack={false} />
-
-      <View style={{ padding: spacing.lg }}>
-        <Card>
-          <Text style={styles.h1}>📸 보험금, 앱에서 바로 청구</Text>
-          <Text style={styles.dim}>영수증과 진단서 사진만 있으면 끝</Text>
-          <View style={{ marginTop: 16, gap: 8 }}>
-            <Button title="보험금 청구하기" onPress={() => nav.navigate('Claim')} />
-            <Button title="AI 보험금 판정 받기" variant="outline" onPress={() => nav.navigate('AIJudge')} />
-          </View>
-        </Card>
-      </View>
-
-      <Section title="진행 상태">
-        {claims.map((c) => (
-          <Card key={c.id} style={{ marginBottom: 10 }}>
-            <View style={{ flexDirection: 'row' }}>
-              <View style={{ flex: 1 }}>
-                <Badge
-                  label={c.status}
-                  tone={
-                    c.status === '지급완료' ? 'success' : c.status === '심사' ? 'primary' : c.status === '서류보완' ? 'warning' : 'neutral'
-                  }
-                />
-                <Text style={[typography.bodyBold as any, { marginTop: 6 }]}>{c.title}</Text>
-                <Text style={styles.dim}>{c.date}</Text>
-              </View>
-              {c.amount ? <Text style={styles.amt}>{c.amount.toLocaleString()}원</Text> : null}
-            </View>
-          </Card>
-        ))}
-      </Section>
-
-      <Section title="보험금 관련 바로가기">
-        <View style={{ gap: 8 }}>
-          <Card onPress={() => nav.navigate('HiddenMoney')}>
-            <View style={styles.row}>
-              <Ionicons name="cash" size={22} color={colors.success} />
-              <View style={{ flex: 1, marginLeft: 12 }}>
-                <Text style={typography.bodyBold as any}>숨은 보험금 조회</Text>
-                <Text style={styles.dim}>못 받은 보험금 찾기</Text>
-              </View>
-              <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
-            </View>
-          </Card>
-          <Card onPress={() => nav.navigate('DiseaseCode')}>
-            <View style={styles.row}>
-              <Ionicons name="search" size={22} color={colors.accent} />
-              <View style={{ flex: 1, marginLeft: 12 }}>
-                <Text style={typography.bodyBold as any}>질병코드로 보장 확인</Text>
-                <Text style={styles.dim}>"내 질병이 보장되나요?"</Text>
-              </View>
-              <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
-            </View>
-          </Card>
-          <Card onPress={() => nav.navigate('HospitalChecklist')}>
-            <View style={styles.row}>
-              <Ionicons name="medkit" size={22} color="#14B8A6" />
-              <View style={{ flex: 1, marginLeft: 12 }}>
-                <Text style={typography.bodyBold as any}>병원 가기 전 체크리스트</Text>
-                <Text style={styles.dim}>서류 빠뜨리면 청구 불가!</Text>
-              </View>
-              <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
+      <ScrollView
+        contentContainerStyle={{ paddingBottom: 40 }}
+        refreshControl={<RefreshControl refreshing={refreshing} onRefresh={onRefresh} />}
+      >
+        <View style={{ padding: spacing.lg }}>
+          <Card>
+            <Text style={styles.h1}>📸 보험금, 앱에서 바로 청구</Text>
+            <Text style={styles.dim}>영수증과 진단서 사진만 있으면 끝</Text>
+            <View style={{ marginTop: 16, gap: 8 }}>
+              <Button title="보험금 청구하기" onPress={() => nav.navigate('Claim')} />
+              <Button title="AI 보험금 판정 받기" variant="outline" onPress={() => nav.navigate('AIJudge')} />
            </View>
          </Card>
        </View>
-      </Section>
+
+        <Section title="진행 상태">
+          {claims.length === 0 && (
+            <Card>
+              <Text style={styles.dim}>진행 중인 청구 건이 없습니다.</Text>
+            </Card>
+          )}
+          {claims.map((c) => {
+            const tone =
+              c.status === 'PAID' || c.status === 'APPROVED'
+                ? 'success'
+                : c.status === 'ADDITIONAL_DOCS' || c.status === 'REJECTED'
+                ? 'warning'
+                : 'primary';
+            return (
+              <Card key={c.id} style={{ marginBottom: 10 }}>
+                <View style={{ flexDirection: 'row' }}>
+                  <View style={{ flex: 1 }}>
+                    <Badge label={statusLabel[c.status] ?? c.status} tone={tone} />
+                    <Text style={[typography.bodyBold as any, { marginTop: 6 }]}>{c.title}</Text>
+                    <Text style={styles.dim}>
+                      {c.hospital ? `${c.hospital} · ` : ''}
+                      {new Date(c.createdAt).toLocaleDateString()}
+                    </Text>
+                    <Text style={{ ...typography.small, color: colors.textTertiary, marginTop: 2 } as any}>
+                      서류 {c.attachments.length}건
+                    </Text>
+                  </View>
+                  {c.amount ? <Text style={styles.amt}>{c.amount.toLocaleString()}원</Text> : null}
+                </View>
+              </Card>
+            );
+          })}
+        </Section>
+
+        <Section title="보험금 관련 바로가기">
+          <View style={{ gap: 8 }}>
+            <Card onPress={() => nav.navigate('HiddenMoney')}>
+              <View style={styles.row}>
+                <Ionicons name="cash" size={22} color={colors.success} />
+                <View style={{ flex: 1, marginLeft: 12 }}>
+                  <Text style={typography.bodyBold as any}>숨은 보험금 조회</Text>
+                  <Text style={styles.dim}>못 받은 보험금 찾기</Text>
+                </View>
+                <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
+              </View>
+            </Card>
+            <Card onPress={() => nav.navigate('DiseaseCode')}>
+              <View style={styles.row}>
+                <Ionicons name="search" size={22} color={colors.accent} />
+                <View style={{ flex: 1, marginLeft: 12 }}>
+                  <Text style={typography.bodyBold as any}>질병코드로 보장 확인</Text>
+                  <Text style={styles.dim}>"내 질병이 보장되나요?"</Text>
+                </View>
+                <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
+              </View>
+            </Card>
+            <Card onPress={() => nav.navigate('HospitalChecklist')}>
+              <View style={styles.row}>
+                <Ionicons name="medkit" size={22} color="#14B8A6" />
+                <View style={{ flex: 1, marginLeft: 12 }}>
+                  <Text style={typography.bodyBold as any}>병원 가기 전 체크리스트</Text>
+                  <Text style={styles.dim}>서류 빠뜨리면 청구 불가!</Text>
+                </View>
+                <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
+              </View>
+            </Card>
+          </View>
+        </Section>
+      </ScrollView>
    </ScreenContainer>
  );
 }
@@ -1,5 +1,6 @@
 import React, { useState } from 'react';
-import { View, Text, StyleSheet, TouchableOpacity, Image, Alert } from 'react-native';
+import { View, Text, StyleSheet, TouchableOpacity, Image, Alert, TextInput, ScrollView } from 'react-native';
+import { useNavigation } from '@react-navigation/native';
 import * as ImagePicker from 'expo-image-picker';
 import { Ionicons } from '@expo/vector-icons';
 import ScreenContainer from '@/components/ScreenContainer';
@@ -8,38 +9,34 @@ import Card from '@/components/Card';
 import Section from '@/components/Section';
 import Button from '@/components/Button';
 import Badge from '@/components/Badge';
+import { claimApi } from '@/api/endpoints';
+import { useDataStore } from '@/store/useDataStore';
 import { colors } from '@/theme/colors';
 import { radius, spacing, typography } from '@/theme/typography';

-type DocType = 'receipt' | 'diagnosis' | 'detail';
+type DocType = 'RECEIPT' | 'DIAGNOSIS' | 'DETAIL';

 const docLabels: Record<DocType, { title: string; desc: string; icon: keyof typeof Ionicons.glyphMap }> = {
-  receipt: { title: '영수증', desc: '진료비 영수증 원본', icon: 'receipt' },
-  diagnosis: { title: '진단서', desc: '병원 발급 진단서', icon: 'document-text' },
-  detail: { title: '세부내역서', desc: '비급여 항목 포함', icon: 'list' },
+  RECEIPT: { title: '영수증', desc: '진료비 영수증 원본', icon: 'receipt' },
+  DIAGNOSIS: { title: '진단서', desc: '병원 발급 진단서', icon: 'document-text' },
+  DETAIL: { title: '세부내역서', desc: '비급여 항목 포함', icon: 'list' },
 };

-const steps = [
-  { step: 1, label: '서류 준비', desc: '영수증/진단서 촬영' },
-  { step: 2, label: '정보 입력', desc: '병원명·진료일자' },
-  { step: 3, label: '자동 전송', desc: '보험사로 즉시 전달' },
-  { step: 4, label: '진행 상태', desc: '실시간 확인' },
-];
-
 export default function ClaimScreen() {
+  const nav = useNavigation<any>();
+  const fetchClaims = useDataStore((s) => s.fetchClaims);
  const [docs, setDocs] = useState<Record<DocType, string | null>>({
-    receipt: null,
-    diagnosis: null,
-    detail: null,
+    RECEIPT: null,
+    DIAGNOSIS: null,
+    DETAIL: null,
  });
+  const [title, setTitle] = useState('');
  const [hospital, setHospital] = useState('');
-  const [visitDate, setVisitDate] = useState('');
+  const [visitDate, setVisitDate] = useState(new Date().toISOString().slice(0, 10));
+  const [submitting, setSubmitting] = useState(false);

  const pick = async (type: DocType) => {
-    const res = await ImagePicker.launchImageLibraryAsync({
-      mediaTypes: ImagePicker.MediaTypeOptions.Images,
-      quality: 0.7,
-    });
+    const res = await ImagePicker.launchImageLibraryAsync({ quality: 0.7 });
    if (!res.canceled && res.assets[0]) {
      setDocs({ ...docs, [type]: res.assets[0].uri });
    }
@@ -47,59 +44,55 @@ export default function ClaimScreen() {

  const capture = async (type: DocType) => {
    const perm = await ImagePicker.requestCameraPermissionsAsync();
-    if (!perm.granted) {
-      Alert.alert('카메라 권한이 필요합니다.');
-      return;
-    }
+    if (!perm.granted) return Alert.alert('카메라 권한이 필요합니다.');
    const res = await ImagePicker.launchCameraAsync({ quality: 0.7 });
    if (!res.canceled && res.assets[0]) {
      setDocs({ ...docs, [type]: res.assets[0].uri });
    }
  };

-  const submit = () => {
-    if (!docs.receipt) {
-      Alert.alert('영수증은 필수입니다.');
-      return;
+  const submit = async () => {
+    if (!title) return Alert.alert('청구 제목을 입력하세요');
+    if (!docs.RECEIPT) return Alert.alert('영수증은 필수입니다');
+
+    setSubmitting(true);
+    try {
+      const claim = await claimApi.create({ title, hospital: hospital || undefined, visitDate });
+      const uploads: Promise<any>[] = [];
+      (Object.keys(docs) as DocType[]).forEach((t) => {
+        const uri = docs[t];
+        if (uri) uploads.push(claimApi.uploadAttachment(claim.id, uri, t));
+      });
+      await Promise.all(uploads);
+      await fetchClaims();
+      Alert.alert('청구 접수 완료', '보험사 심사 후 영업일 3~7일 내 지급됩니다.');
+      nav.goBack();
+    } catch (e: any) {
+      Alert.alert('접수 실패', e?.message);
+    } finally {
+      setSubmitting(false);
    }
-    Alert.alert('청구 접수 완료', '보험사에서 심사 후 3~7영업일 내 지급됩니다.');
  };

  return (
-    <ScreenContainer>
+    <ScreenContainer scroll={false}>
      <Header title="보험금 청구" />
-      <View style={{ padding: spacing.lg }}>
+      <ScrollView contentContainerStyle={{ padding: spacing.lg, paddingBottom: 40 }}>
        <Card>
-          <Text style={typography.bodyBold as any}>📸 앱에서 바로 청구</Text>
+          <Text style={typography.bodyBold as any}>📸 서류 업로드</Text>
          <View style={{ marginTop: 12, gap: 10 }}>
-            {steps.map((s) => (
-              <View key={s.step} style={styles.stepRow}>
-                <View style={styles.stepCircle}>
-                  <Text style={styles.stepNum}>{s.step}</Text>
-                </View>
-                <View style={{ flex: 1 }}>
-                  <Text style={typography.bodyBold as any}>{s.label}</Text>
-                  <Text style={{ ...typography.caption, color: colors.textSecondary } as any}>{s.desc}</Text>
-                </View>
-              </View>
-            ))}
-          </View>
-        </Card>
-
-        <Section title="서류 업로드">
-          {(Object.keys(docLabels) as DocType[]).map((t) => {
-            const info = docLabels[t];
-            const uri = docs[t];
-            return (
-              <Card key={t} style={{ marginBottom: 10 }}>
-                <View style={{ flexDirection: 'row', alignItems: 'center' }}>
+            {(Object.keys(docLabels) as DocType[]).map((t) => {
+              const info = docLabels[t];
+              const uri = docs[t];
+              return (
+                <View key={t} style={styles.docRow}>
                  <View style={styles.docIcon}>
                    <Ionicons name={info.icon} size={22} color={colors.primary} />
                  </View>
                  <View style={{ flex: 1, marginLeft: 12 }}>
                    <View style={{ flexDirection: 'row', alignItems: 'center' }}>
                      <Text style={typography.bodyBold as any}>{info.title}</Text>
-                      {t === 'receipt' && <Badge label="필수" tone="danger" style={{ marginLeft: 6 }} />}
+                      {t === 'RECEIPT' && <Badge label="필수" tone="danger" style={{ marginLeft: 6 }} />}
                    </View>
                    <Text style={{ ...typography.caption, color: colors.textSecondary } as any}>{info.desc}</Text>
                  </View>
@@ -118,80 +111,36 @@ export default function ClaimScreen() {
                    </View>
                  )}
                </View>
-              </Card>
-            );
-          })}
-        </Section>
+              );
+            })}
+          </View>
+        </Card>

        <Section title="청구 정보">
          <Card>
-            <Text style={styles.label}>병원명</Text>
-            <Text style={styles.inputView}>{hospital || '병원명 입력'}</Text>
-            <View style={{ flexDirection: 'row', gap: 6, flexWrap: 'wrap', marginTop: 4 }}>
-              {['강남세브란스', '서울아산병원', '삼성의료원', '고려대병원'].map((h) => (
-                <TouchableOpacity key={h} style={styles.pill} onPress={() => setHospital(h)}>
-                  <Text style={styles.pillText}>{h}</Text>
-                </TouchableOpacity>
-              ))}
-            </View>
+            <Text style={styles.label}>청구 제목 *</Text>
+            <TextInput style={styles.input} placeholder="예) 발목 염좌 정형외과" value={title} onChangeText={setTitle} placeholderTextColor={colors.textTertiary} />
+            <Text style={[styles.label, { marginTop: 12 }]}>병원명</Text>
+            <TextInput style={styles.input} placeholder="예) 강남세브란스" value={hospital} onChangeText={setHospital} placeholderTextColor={colors.textTertiary} />
            <Text style={[styles.label, { marginTop: 12 }]}>진료일자</Text>
-            <Text style={styles.inputView}>{visitDate || '2026-04-22'}</Text>
+            <TextInput style={styles.input} placeholder="YYYY-MM-DD" value={visitDate} onChangeText={setVisitDate} placeholderTextColor={colors.textTertiary} />
          </Card>
        </Section>

-        <View style={{ paddingTop: 16, gap: 8 }}>
-          <Button title="보험금 청구하기" size="lg" onPress={submit} />
-          <Button title="AI 판정으로 예상 금액 확인" variant="outline" onPress={() => {}} />
+        <View style={{ marginTop: 16, gap: 8 }}>
+          <Button title="보험금 청구하기" size="lg" onPress={submit} loading={submitting} />
+          <Button title="AI 판정으로 예상 금액 확인" variant="outline" onPress={() => nav.navigate('AIJudge')} />
        </View>
-      </View>
+      </ScrollView>
    </ScreenContainer>
  );
 }

 const styles = StyleSheet.create({
-  stepRow: { flexDirection: 'row', alignItems: 'center' },
-  stepCircle: {
-    width: 32,
-    height: 32,
-    borderRadius: 16,
-    backgroundColor: colors.primary,
-    alignItems: 'center',
-    justifyContent: 'center',
-    marginRight: 12,
-  },
-  stepNum: { color: '#FFF', fontWeight: '700' },
-  docIcon: {
-    width: 44,
-    height: 44,
-    borderRadius: 22,
-    backgroundColor: colors.primaryLight,
-    alignItems: 'center',
-    justifyContent: 'center',
-  },
+  docRow: { flexDirection: 'row', alignItems: 'center' },
+  docIcon: { width: 44, height: 44, borderRadius: 22, backgroundColor: colors.primaryLight, alignItems: 'center', justifyContent: 'center' },
  thumb: { width: 50, height: 50, borderRadius: 8 },
-  smallBtn: {
-    width: 38,
-    height: 38,
-    borderRadius: 19,
-    borderWidth: 1,
-    borderColor: colors.primary,
-    alignItems: 'center',
-    justifyContent: 'center',
-  },
+  smallBtn: { width: 38, height: 38, borderRadius: 19, borderWidth: 1, borderColor: colors.primary, alignItems: 'center', justifyContent: 'center' },
  label: { ...typography.caption, color: colors.textSecondary, fontWeight: '600' },
-  inputView: {
-    borderWidth: 1,
-    borderColor: colors.border,
-    borderRadius: radius.md,
-    padding: 14,
-    marginTop: 6,
-    color: colors.text,
-  },
-  pill: {
-    paddingHorizontal: 12,
-    paddingVertical: 6,
-    borderRadius: radius.pill,
-    backgroundColor: colors.surfaceAlt,
-  },
-  pillText: { ...typography.small, color: colors.text },
+  input: { borderWidth: 1, borderColor: colors.border, borderRadius: radius.md, padding: 12, marginTop: 6, color: colors.text, backgroundColor: colors.surface },
 });
@@ -1,5 +1,5 @@
-import React from 'react';
-import { View, Text, StyleSheet } from 'react-native';
+import React, { useEffect, useState } from 'react';
+import { View, Text, StyleSheet, ScrollView, RefreshControl, TextInput, TouchableOpacity, Alert, Modal } from 'react-native';
 import { Ionicons } from '@expo/vector-icons';
 import ScreenContainer from '@/components/ScreenContainer';
 import Header from '@/components/Header';
@@ -8,116 +8,204 @@ import Section from '@/components/Section';
 import Badge from '@/components/Badge';
 import ProgressBar from '@/components/ProgressBar';
 import Button from '@/components/Button';
-import { useAppStore, FamilyMember } from '@/store/useAppStore';
+import { useDataStore } from '@/store/useDataStore';
+import { familyApi, type FamilyMember } from '@/api/endpoints';
 import { colors } from '@/theme/colors';
 import { radius, spacing, typography } from '@/theme/typography';

 const relationIcon: Record<FamilyMember['relation'], keyof typeof Ionicons.glyphMap> = {
-  본인: 'person',
-  배우자: 'heart',
-  자녀: 'happy',
-  부모: 'people',
-  형제: 'people-outline',
+  SELF: 'person',
+  SPOUSE: 'heart',
+  CHILD: 'happy',
+  PARENT: 'people',
+  SIBLING: 'people-outline',
 };

-const essentialMap: Record<string, string[]> = {
-  본인: ['실손', '암', '상해'],
-  배우자: ['실손', '암', '여성'],
-  자녀: ['어린이'],
-  부모: ['실손', '간병'],
+const relationLabel: Record<FamilyMember['relation'], string> = {
+  SELF: '본인',
+  SPOUSE: '배우자',
+  CHILD: '자녀',
+  PARENT: '부모',
+  SIBLING: '형제',
+};
+
+const essentialMap: Partial<Record<FamilyMember['relation'], string[]>> = {
+  SELF: ['SILSON', 'CANCER', 'ACCIDENT'],
+  SPOUSE: ['SILSON', 'CANCER', 'FEMALE'],
+  CHILD: ['CHILD'],
+  PARENT: ['SILSON', 'NURSING'],
 };

 export default function FamilyScreen() {
-  const family = useAppStore((s) => s.family);
+  const { family, fetchFamily } = useDataStore();
+  const [refreshing, setRefreshing] = useState(false);
+  const [modalOpen, setModalOpen] = useState(false);
+
+  useEffect(() => {
+    fetchFamily();
+  }, [fetchFamily]);

  const analyze = (m: FamilyMember) => {
    const required = essentialMap[m.relation] ?? [];
    const have = new Set(m.policies.map((p) => p.type));
-    const missing = required.filter((r) => !have.has(r as any));
-    const covered = required.length - missing.length;
-    const score = required.length === 0 ? 100 : Math.round((covered / required.length) * 100);
-    return { required, missing, covered, score };
+    const missing = required.filter((r) => !have.has(r));
+    const score = required.length === 0 ? 100 : Math.round(((required.length - missing.length) / required.length) * 100);
+    return { required, missing, score };
  };

-  const avgScore = Math.round(family.reduce((a, m) => a + analyze(m).score, 0) / family.length);
+  const avgScore = family.length > 0 ? Math.round(family.reduce((a, m) => a + analyze(m).score, 0) / family.length) : 0;

  return (
-    <ScreenContainer>
-      <Header title="가족 보험" />
-      <View style={{ padding: spacing.lg }}>
-        <Card>
-          <Text style={typography.caption as any}>👨‍👩‍👧 우리 가족 총 보장 점수</Text>
-          <Text style={{ ...typography.h1 as any, color: colors.primary, marginTop: 6 }}>{avgScore}점</Text>
-          <View style={{ height: 10 }} />
-          <ProgressBar value={avgScore} />
-          <Text style={{ ...typography.caption, color: colors.textSecondary, marginTop: 8 } as any}>
-            가족 {family.length}명 평균 기준
-          </Text>
-        </Card>
-
-        <Section title="가족 구성원">
-          {family.map((m) => {
-            const a = analyze(m);
-            return (
-              <Card key={m.id} style={{ marginBottom: 10 }}>
-                <View style={{ flexDirection: 'row', alignItems: 'center' }}>
-                  <View style={styles.avatar}>
-                    <Ionicons name={relationIcon[m.relation]} size={26} color={colors.primary} />
-                  </View>
-                  <View style={{ flex: 1, marginLeft: 12 }}>
-                    <View style={{ flexDirection: 'row', alignItems: 'center' }}>
-                      <Text style={typography.bodyBold as any}>{m.name}</Text>
-                      <Badge label={m.relation} tone="primary" style={{ marginLeft: 6 }} />
-                    </View>
-                    <Text style={{ ...typography.caption, color: colors.textSecondary } as any}>
-                      {m.age}세 · {m.gender}
-                    </Text>
-                  </View>
-                  <Text style={{ ...typography.h3 as any, color: scoreColor(a.score) }}>{a.score}점</Text>
-                </View>
-
-                <View style={styles.sep} />
-                <View style={{ gap: 6 }}>
-                  {m.policies.map((p) => (
-                    <View key={p.id} style={styles.policyRow}>
-                      <Ionicons name="checkmark-circle" size={16} color={colors.success} />
-                      <Text style={{ ...typography.body, marginLeft: 6, flex: 1 } as any} numberOfLines={1}>
-                        {p.type} · {p.name}
-                      </Text>
-                      <Text style={{ ...typography.small, color: colors.textSecondary } as any}>
-                        {(p.coverage / 10000).toLocaleString()}만
-                      </Text>
-                    </View>
-                  ))}
-                  {a.missing.map((miss) => (
-                    <View key={miss} style={styles.policyRow}>
-                      <Ionicons name="close-circle" size={16} color={colors.danger} />
-                      <Text style={{ ...typography.body, marginLeft: 6, color: colors.danger, flex: 1 } as any}>
-                        {miss} 미가입 ⚠️
-                      </Text>
-                    </View>
-                  ))}
-                </View>
-              </Card>
-            );
-          })}
-        </Section>
-
-        <Section title="💡 가족 보험 TIP">
+    <>
+      <ScreenContainer scroll={false}>
+        <Header title="가족 보험" />
+        <ScrollView
+          contentContainerStyle={{ padding: spacing.lg, paddingBottom: 40 }}
+          refreshControl={<RefreshControl refreshing={refreshing} onRefresh={async () => { setRefreshing(true); await fetchFamily(); setRefreshing(false); }} />}
+        >
          <Card>
-            <Text style={typography.body as any}>
-              • 자녀는 어릴수록 어린이보험 가입 유리{'\n'}
-              • 65세 이상은 유병자/간편 실손 검토{'\n'}
-              • 부부 동시 가입 시 할인 혜택 있는 상품 다수
+            <Text style={typography.caption as any}>👨‍👩‍👧 우리 가족 총 보장 점수</Text>
+            <Text style={{ ...typography.h1 as any, color: colors.primary, marginTop: 6 }}>{avgScore}점</Text>
+            <View style={{ height: 10 }} />
+            <ProgressBar value={avgScore} />
+            <Text style={{ ...typography.caption, color: colors.textSecondary, marginTop: 8 } as any}>
+              가족 {family.length}명 평균 기준
            </Text>
          </Card>
-        </Section>

-        <View style={{ paddingTop: 16 }}>
-          <Button title="가족 구성원 추가" variant="outline" />
-        </View>
-      </View>
-    </ScreenContainer>
+          <Section
+            title="가족 구성원"
+            right={
+              <TouchableOpacity onPress={() => setModalOpen(true)}>
+                <Text style={styles.add}>+ 추가</Text>
+              </TouchableOpacity>
+            }
+          >
+            {family.length === 0 && (
+              <Card>
+                <Text style={styles.dim}>등록된 가족 구성원이 없습니다.</Text>
+              </Card>
+            )}
+            {family.map((m) => {
+              const a = analyze(m);
+              return (
+                <Card key={m.id} style={{ marginBottom: 10 }}>
+                  <View style={{ flexDirection: 'row', alignItems: 'center' }}>
+                    <View style={styles.avatar}>
+                      <Ionicons name={relationIcon[m.relation]} size={26} color={colors.primary} />
+                    </View>
+                    <View style={{ flex: 1, marginLeft: 12 }}>
+                      <View style={{ flexDirection: 'row', alignItems: 'center' }}>
+                        <Text style={typography.bodyBold as any}>{m.name}</Text>
+                        <Badge label={relationLabel[m.relation]} tone="primary" style={{ marginLeft: 6 }} />
+                      </View>
+                      <Text style={{ ...typography.caption, color: colors.textSecondary } as any}>
+                        {m.age}세 · {m.gender === 'MALE' ? '남' : '여'}
+                      </Text>
+                    </View>
+                    <Text style={{ ...typography.h3 as any, color: scoreColor(a.score) }}>{a.score}점</Text>
+                    <TouchableOpacity
+                      style={{ marginLeft: 10 }}
+                      onPress={() => {
+                        Alert.alert('삭제', `${m.name} 구성원을 삭제할까요?`, [
+                          { text: '취소', style: 'cancel' },
+                          { text: '삭제', style: 'destructive', onPress: async () => { await familyApi.remove(m.id); fetchFamily(); } },
+                        ]);
+                      }}
+                    >
+                      <Ionicons name="trash-outline" size={18} color={colors.textTertiary} />
+                    </TouchableOpacity>
+                  </View>
+
+                  <View style={styles.sep} />
+                  <View style={{ gap: 6 }}>
+                    {m.policies.length === 0 && (
+                      <Text style={styles.dim}>보험 없음</Text>
+                    )}
+                    {m.policies.map((p) => (
+                      <View key={p.id} style={styles.policyRow}>
+                        <Ionicons name="checkmark-circle" size={16} color={colors.success} />
+                        <Text style={{ ...typography.body, marginLeft: 6, flex: 1 } as any} numberOfLines={1}>
+                          {p.name}
+                        </Text>
+                        <Text style={{ ...typography.small, color: colors.textSecondary } as any}>
+                          {Math.round(p.coverage / 10000).toLocaleString()}만
+                        </Text>
+                      </View>
+                    ))}
+                    {a.missing.map((miss) => (
+                      <View key={miss} style={styles.policyRow}>
+                        <Ionicons name="close-circle" size={16} color={colors.danger} />
+                        <Text style={{ ...typography.body, marginLeft: 6, color: colors.danger, flex: 1 } as any}>
+                          {miss} 미가입 ⚠️
+                        </Text>
+                      </View>
+                    ))}
+                  </View>
+                </Card>
+              );
+            })}
+          </Section>
+        </ScrollView>
+      </ScreenContainer>
+      <AddFamilyModal open={modalOpen} onClose={() => setModalOpen(false)} onCreated={fetchFamily} />
+    </>
+  );
+}
+
+function AddFamilyModal({ open, onClose, onCreated }: { open: boolean; onClose: () => void; onCreated: () => void }) {
+  const [relation, setRelation] = useState<FamilyMember['relation']>('SPOUSE');
+  const [name, setName] = useState('');
+  const [age, setAge] = useState('');
+  const [gender, setGender] = useState<'MALE' | 'FEMALE'>('MALE');
+  const [submitting, setSubmitting] = useState(false);
+
+  const onSubmit = async () => {
+    if (!name || !age) return Alert.alert('필수 입력');
+    setSubmitting(true);
+    try {
+      await familyApi.create({ relation, name, age: parseInt(age, 10), gender });
+      onCreated();
+      onClose();
+      setName('');
+      setAge('');
+    } catch (e: any) {
+      Alert.alert('등록 실패', e?.message);
+    } finally {
+      setSubmitting(false);
+    }
+  };
+
+  return (
+    <Modal visible={open} animationType="slide" onRequestClose={onClose}>
+      <ScreenContainer scroll={false}>
+        <Header title="가족 추가" showBack={false} right={<TouchableOpacity onPress={onClose}><Ionicons name="close" size={24} color={colors.text} /></TouchableOpacity>} />
+        <ScrollView contentContainerStyle={{ padding: spacing.lg }}>
+          <Text style={styles.label}>관계</Text>
+          <View style={{ flexDirection: 'row', flexWrap: 'wrap', gap: 6 }}>
+            {(Object.entries(relationLabel) as Array<[FamilyMember['relation'], string]>).map(([v, l]) => (
+              <TouchableOpacity key={v} style={[styles.pill, relation === v && styles.pillActive]} onPress={() => setRelation(v)}>
+                <Text style={[styles.pillText, relation === v && styles.pillTextActive]}>{l}</Text>
+              </TouchableOpacity>
+            ))}
+          </View>
+          <Text style={[styles.label, { marginTop: 12 }]}>이름 *</Text>
+          <TextInput style={styles.input} value={name} onChangeText={setName} placeholderTextColor={colors.textTertiary} />
+          <Text style={[styles.label, { marginTop: 12 }]}>나이 *</Text>
+          <TextInput style={styles.input} value={age} onChangeText={setAge} keyboardType="number-pad" placeholderTextColor={colors.textTertiary} />
+          <Text style={[styles.label, { marginTop: 12 }]}>성별</Text>
+          <View style={{ flexDirection: 'row', gap: 6 }}>
+            {(['MALE', 'FEMALE'] as const).map((g) => (
+              <TouchableOpacity key={g} style={[styles.pill, gender === g && styles.pillActive]} onPress={() => setGender(g)}>
+                <Text style={[styles.pillText, gender === g && styles.pillTextActive]}>{g === 'MALE' ? '남성' : '여성'}</Text>
+              </TouchableOpacity>
+            ))}
+          </View>
+          <View style={{ height: 24 }} />
+          <Button title="등록" size="lg" onPress={onSubmit} loading={submitting} />
+        </ScrollView>
+      </ScreenContainer>
+    </Modal>
  );
 }

@@ -136,4 +224,12 @@ const styles = StyleSheet.create({
  },
  sep: { height: 1, backgroundColor: colors.border, marginVertical: 12 },
  policyRow: { flexDirection: 'row', alignItems: 'center' },
+  add: { color: colors.primary, fontWeight: '700' },
+  dim: { ...typography.caption, color: colors.textSecondary },
+  label: { ...typography.caption, color: colors.textSecondary, fontWeight: '600', marginBottom: 6 },
+  input: { borderWidth: 1, borderColor: colors.border, borderRadius: radius.md, padding: 12, color: colors.text, backgroundColor: colors.surface },
+  pill: { paddingHorizontal: 14, paddingVertical: 8, borderRadius: radius.pill, backgroundColor: colors.surfaceAlt, borderWidth: 1, borderColor: colors.border },
+  pillActive: { backgroundColor: colors.primary, borderColor: colors.primary },
+  pillText: { color: colors.text, fontWeight: '500' },
+  pillTextActive: { color: '#FFF', fontWeight: '700' },
 });
@@ -1,5 +1,5 @@
-import React from 'react';
-import { View, Text, StyleSheet, ScrollView, TouchableOpacity } from 'react-native';
+import React, { useEffect } from 'react';
+import { View, Text, StyleSheet, ScrollView, TouchableOpacity, RefreshControl } from 'react-native';
 import { SafeAreaView } from 'react-native-safe-area-context';
 import { LinearGradient } from 'expo-linear-gradient';
 import { Ionicons } from '@expo/vector-icons';
@@ -12,21 +12,42 @@ import ProgressBar from '@/components/ProgressBar';
 import Badge from '@/components/Badge';
 import { colors } from '@/theme/colors';
 import { radius, shadow, spacing, typography } from '@/theme/typography';
-import { useAppStore } from '@/store/useAppStore';
+import { useAuthStore } from '@/store/useAuthStore';
+import { useDataStore } from '@/store/useDataStore';
 import type { RootStackParamList } from '@/navigation/RootNavigator';

 type Nav = NativeStackNavigationProp<RootStackParamList>;

 export default function HomeScreen() {
  const nav = useNavigation<Nav>();
-  const profile = useAppStore((s) => s.profile);
-  const score = useAppStore((s) => s.score);
-  const hiddenMoney = useAppStore((s) => s.hiddenMoney);
-  const notifications = useAppStore((s) => s.notifications);
+  const user = useAuthStore((s) => s.user);
+  const { score, notifications, upcoming, fetchAll } = useDataStore();
+  const [refreshing, setRefreshing] = React.useState(false);
+
+  useEffect(() => {
+    fetchAll();
+  }, [fetchAll]);
+
+  const onRefresh = async () => {
+    setRefreshing(true);
+    try {
+      await fetchAll();
+    } finally {
+      setRefreshing(false);
+    }
+  };
+
+  const totalScore = score?.total ?? user?.profile?.score ?? 0;
+  const upcomingList = [...(upcoming ?? [])].slice(0, 3);
+  const recentNotis = [...(notifications ?? [])].slice(0, 3);

  return (
    <SafeAreaView style={styles.safe} edges={['top']}>
-      <ScrollView showsVerticalScrollIndicator={false} contentContainerStyle={{ paddingBottom: 32 }}>
+      <ScrollView
+        showsVerticalScrollIndicator={false}
+        contentContainerStyle={{ paddingBottom: 32 }}
+        refreshControl={<RefreshControl refreshing={refreshing} onRefresh={onRefresh} />}
+      >
        <View style={styles.topBar}>
          <View>
            <Text style={styles.brand}>보험케어</Text>
@@ -49,16 +70,16 @@ export default function HomeScreen() {
          end={{ x: 1, y: 1 }}
          style={styles.hero}
        >
-          <Text style={styles.heroHello}>{profile.name}님, 안녕하세요 👋</Text>
+          <Text style={styles.heroHello}>{user?.name ?? '사용자'}님, 안녕하세요 👋</Text>
          <View style={styles.heroRow}>
            <View style={{ flex: 1 }}>
              <Text style={styles.heroLabel}>내 보험 점수</Text>
              <Text style={styles.heroScore}>
-                {score.total}
+                {totalScore}
                <Text style={styles.heroScoreUnit}> /100</Text>
              </Text>
              <View style={{ height: 10 }} />
-              <ProgressBar value={score.total} color="#FFF" track="rgba(255,255,255,0.3)" height={6} />
+              <ProgressBar value={totalScore} color="#FFF" track="rgba(255,255,255,0.3)" height={6} />
            </View>
            <View style={styles.heroBadge}>
              <Ionicons name="shield-checkmark" size={36} color="#FFF" />
@@ -92,7 +113,7 @@ export default function HomeScreen() {
            <View style={styles.grid}>
              <IconTile icon="stats-chart" label="점수" color="#8B5CF6" bg="#EDE9FE" onPress={() => nav.navigate('Score')} />
              <IconTile icon="people" label="연령별 분석" color="#EC4899" bg="#FCE7F3" onPress={() => nav.navigate('Analysis')} />
-              <IconTile icon="cash" label="숨은보험금" color="#10B981" bg={colors.secondaryLight} badge="47만" onPress={() => nav.navigate('HiddenMoney')} />
+              <IconTile icon="cash" label="숨은보험금" color="#10B981" bg={colors.secondaryLight} onPress={() => nav.navigate('HiddenMoney')} />
              <IconTile icon="search" label="질병코드" color="#F59E0B" bg={colors.accentLight} onPress={() => nav.navigate('DiseaseCode')} />
              <IconTile icon="receipt" label="보험금 청구" color={colors.primary} bg={colors.primaryLight} onPress={() => nav.navigate('Claim')} />
              <IconTile icon="fitness" label="건강검진 분석" color="#EF4444" bg={colors.dangerLight} onPress={() => nav.navigate('HealthCheck')} />
@@ -110,11 +131,9 @@ export default function HomeScreen() {
          <Card onPress={() => nav.navigate('HiddenMoney')}>
            <View style={styles.rowBetween}>
              <View style={{ flex: 1 }}>
-                <Badge label="못 받은 보험금 발견" tone="success" />
-                <Text style={[typography.h2 as any, { marginTop: 8, color: colors.success }]}>
-                  {(hiddenMoney.unclaimed + hiddenMoney.dormant).toLocaleString()}원
-                </Text>
-                <Text style={styles.dim}>미청구 {hiddenMoney.unclaimed.toLocaleString()}원 + 휴면 {hiddenMoney.dormant.toLocaleString()}원</Text>
+                <Badge label="못 받은 보험금 조회 가능" tone="success" />
+                <Text style={[typography.h2 as any, { marginTop: 8, color: colors.success }]}>조회하기</Text>
+                <Text style={styles.dim}>보험개발원 API 통합 조회</Text>
              </View>
              <Ionicons name="chevron-forward" size={22} color={colors.textTertiary} />
            </View>
@@ -122,13 +141,31 @@ export default function HomeScreen() {
        </Section>

        <Section title="🔔 다가오는 알림">
-          {notifications.map((n) => (
+          {upcomingList.length === 0 && recentNotis.length === 0 ? (
+            <Card>
+              <Text style={styles.dim}>다가오는 만기·갱신 알림이 없습니다. 보험을 등록하면 자동 추적됩니다.</Text>
+            </Card>
+          ) : (
+            upcomingList.map((n: any) => (
+              <Card key={n.policyId} style={{ marginBottom: 10 }} onPress={() => nav.navigate('Notifications')}>
+                <View style={styles.rowBetween}>
+                  <View style={{ flex: 1 }}>
+                    <Badge label={`D-${n.days}`} tone={n.days <= 7 ? 'danger' : n.days <= 30 ? 'warning' : 'primary'} />
+                    <Text style={[typography.bodyBold as any, { marginTop: 6 }]}>{n.title}</Text>
+                    <Text style={styles.dim}>{new Date(n.scheduled).toLocaleDateString()}</Text>
+                  </View>
+                  <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
+                </View>
+              </Card>
+            ))
+          )}
+          {recentNotis.map((n: any) => (
            <Card key={n.id} style={{ marginBottom: 10 }} onPress={() => nav.navigate('Notifications')}>
              <View style={styles.rowBetween}>
                <View style={{ flex: 1 }}>
                  <Badge
-                    label={n.tone === 'danger' ? '긴급' : n.tone === 'warn' ? '알림' : '안내'}
-                    tone={n.tone === 'danger' ? 'danger' : n.tone === 'warn' ? 'warning' : 'primary'}
+                    label={n.tone === 'DANGER' ? '긴급' : n.tone === 'WARN' ? '알림' : '안내'}
+                    tone={n.tone === 'DANGER' ? 'danger' : n.tone === 'WARN' ? 'warning' : 'primary'}
                  />
                  <Text style={[typography.bodyBold as any, { marginTop: 6 }]}>{n.title}</Text>
                  <Text style={styles.dim}>{n.body}</Text>
@@ -1,5 +1,5 @@
-import React from 'react';
-import { View, Text, StyleSheet } from 'react-native';
+import React, { useEffect, useState } from 'react';
+import { View, Text, StyleSheet, RefreshControl, ScrollView, Alert, TextInput, TouchableOpacity, Modal } from 'react-native';
 import { useNavigation } from '@react-navigation/native';
 import type { NativeStackNavigationProp } from '@react-navigation/native-stack';
 import { Ionicons } from '@expo/vector-icons';
@@ -9,72 +9,201 @@ import Card from '@/components/Card';
 import Section from '@/components/Section';
 import Badge from '@/components/Badge';
 import Button from '@/components/Button';
-import { useAppStore } from '@/store/useAppStore';
+import { useDataStore } from '@/store/useDataStore';
 import { colors } from '@/theme/colors';
-import { spacing, typography } from '@/theme/typography';
+import { radius, spacing, typography } from '@/theme/typography';
 import type { RootStackParamList } from '@/navigation/RootNavigator';
+import { policyApi, type Policy } from '@/api/endpoints';

 type Nav = NativeStackNavigationProp<RootStackParamList>;

+const POLICY_TYPES: Array<{ v: Policy['type']; label: string }> = [
+  { v: 'SILSON', label: '실손' },
+  { v: 'CANCER', label: '암' },
+  { v: 'LIFE', label: '종신' },
+  { v: 'ACCIDENT', label: '상해' },
+  { v: 'CHILD', label: '어린이' },
+  { v: 'NURSING', label: '간병' },
+  { v: 'FEMALE', label: '여성' },
+  { v: 'DENTAL', label: '치아' },
+  { v: 'DRIVER', label: '운전자' },
+  { v: 'CAR', label: '자동차' },
+];
+
 export default function MyInsuranceScreen() {
  const nav = useNavigation<Nav>();
-  const family = useAppStore((s) => s.family);
-  const profile = useAppStore((s) => s.profile);
-  const me = family.find((m) => m.relation === '본인');
-  const totalMonthly = me?.policies.reduce((a, p) => a + p.monthlyPremium, 0) ?? 0;
-  const totalCoverage = me?.policies.reduce((a, p) => a + p.coverage, 0) ?? 0;
+  const { policies, fetchPolicies, fetchScore } = useDataStore();
+  const [refreshing, setRefreshing] = useState(false);
+  const [modalOpen, setModalOpen] = useState(false);
+
+  useEffect(() => {
+    fetchPolicies();
+  }, [fetchPolicies]);
+
+  const own = policies.filter((p) => !p.familyMemberId);
+  const totalMonthly = own.reduce((a, p) => a + p.monthlyPremium, 0);
+  const totalCoverage = own.reduce((a, p) => a + p.coverage, 0);
+
+  const onRefresh = async () => {
+    setRefreshing(true);
+    await fetchPolicies();
+    setRefreshing(false);
+  };
+
+  const onDelete = (id: string) => {
+    Alert.alert('보험 삭제', '정말 삭제할까요?', [
+      { text: '취소', style: 'cancel' },
+      {
+        text: '삭제',
+        style: 'destructive',
+        onPress: async () => {
+          try {
+            await policyApi.remove(id);
+            await fetchPolicies();
+            await fetchScore();
+          } catch (e: any) {
+            Alert.alert('삭제 실패', e?.message);
+          }
+        },
+      },
+    ]);
+  };

  return (
-    <ScreenContainer>
-      <Header title="내 보험" showBack={false} />
-      <Card style={{ margin: spacing.lg }}>
-        <Text style={styles.label}>이달 납입 보험료</Text>
-        <Text style={styles.big}>{totalMonthly.toLocaleString()}원</Text>
-        <View style={styles.divider} />
-        <View style={{ flexDirection: 'row' }}>
-          <View style={{ flex: 1 }}>
-            <Text style={styles.label}>총 보장금액</Text>
-            <Text style={styles.mid}>{(totalCoverage / 10000).toLocaleString()}만원</Text>
-          </View>
-          <View style={{ flex: 1 }}>
-            <Text style={styles.label}>가입 보험</Text>
-            <Text style={styles.mid}>{me?.policies.length ?? 0}건</Text>
-          </View>
-        </View>
-      </Card>
-
-      <Section title="내 보험 목록">
-        {me?.policies.map((p) => (
-          <Card key={p.id} style={{ marginBottom: 10 }}>
-            <View style={{ flexDirection: 'row', alignItems: 'center' }}>
-              <View style={styles.icon}>
-                <Ionicons name="shield-checkmark" size={22} color={colors.primary} />
+    <>
+      <ScreenContainer scroll={false}>
+        <Header title="내 보험" showBack={false} />
+        <ScrollView
+          style={{ flex: 1 }}
+          contentContainerStyle={{ paddingBottom: 40 }}
+          refreshControl={<RefreshControl refreshing={refreshing} onRefresh={onRefresh} />}
+        >
+          <Card style={{ margin: spacing.lg }}>
+            <Text style={styles.label}>이달 납입 보험료</Text>
+            <Text style={styles.big}>{totalMonthly.toLocaleString()}원</Text>
+            <View style={styles.divider} />
+            <View style={{ flexDirection: 'row' }}>
+              <View style={{ flex: 1 }}>
+                <Text style={styles.label}>총 보장금액</Text>
+                <Text style={styles.mid}>{Math.round(totalCoverage / 10000).toLocaleString()}만원</Text>
              </View>
-              <View style={{ flex: 1, marginLeft: 12 }}>
-                <View style={{ flexDirection: 'row', alignItems: 'center', gap: 6 }}>
-                  <Badge label={p.type} tone="primary" />
-                  <Text style={styles.insurer}>{p.insurer}</Text>
-                </View>
-                <Text style={styles.name}>{p.name}</Text>
-                <Text style={styles.dim}>
-                  월 {p.monthlyPremium.toLocaleString()}원 · 보장 {(p.coverage / 10000).toLocaleString()}만원
-                </Text>
+              <View style={{ flex: 1 }}>
+                <Text style={styles.label}>가입 보험</Text>
+                <Text style={styles.mid}>{own.length}건</Text>
              </View>
-              <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
            </View>
          </Card>
-        ))}
-      </Section>

-      <Section title="바로가기">
-        <View style={{ gap: 8 }}>
-          <Button title="내 보험 점수 상세보기" onPress={() => nav.navigate('Score')} />
-          <Button title="보험료 다이어트 진단" variant="outline" onPress={() => nav.navigate('PremiumDiet')} />
-          <Button title="실손 세대 판별" variant="outline" onPress={() => nav.navigate('SilsonGen')} />
-          <Button title="가족 보험 한눈에 보기" variant="outline" onPress={() => nav.navigate('Family')} />
-        </View>
-      </Section>
-    </ScreenContainer>
+          <Section title="내 보험 목록" right={<TouchableOpacity onPress={() => setModalOpen(true)}><Text style={styles.addBtn}>+ 추가</Text></TouchableOpacity>}>
+            {own.length === 0 && (
+              <Card>
+                <Text style={styles.dim}>아직 등록된 보험이 없습니다. + 추가 버튼으로 등록해 주세요.</Text>
+              </Card>
+            )}
+            {own.map((p) => (
+              <Card key={p.id} style={{ marginBottom: 10 }}>
+                <View style={{ flexDirection: 'row', alignItems: 'center' }}>
+                  <View style={styles.icon}>
+                    <Ionicons name="shield-checkmark" size={22} color={colors.primary} />
+                  </View>
+                  <View style={{ flex: 1, marginLeft: 12 }}>
+                    <View style={{ flexDirection: 'row', alignItems: 'center', gap: 6 }}>
+                      <Badge label={POLICY_TYPES.find((t) => t.v === p.type)?.label ?? p.type} tone="primary" />
+                      <Text style={styles.insurer}>{p.insurer}</Text>
+                    </View>
+                    <Text style={styles.name}>{p.name}</Text>
+                    <Text style={styles.dim}>
+                      월 {p.monthlyPremium.toLocaleString()}원 · 보장 {Math.round(p.coverage / 10000).toLocaleString()}만원
+                    </Text>
+                  </View>
+                  <TouchableOpacity onPress={() => onDelete(p.id)} hitSlop={10}>
+                    <Ionicons name="trash-outline" size={20} color={colors.textTertiary} />
+                  </TouchableOpacity>
+                </View>
+              </Card>
+            ))}
+          </Section>
+
+          <Section title="바로가기">
+            <View style={{ gap: 8 }}>
+              <Button title="내 보험 점수 상세보기" onPress={() => nav.navigate('Score')} />
+              <Button title="보험료 다이어트 진단" variant="outline" onPress={() => nav.navigate('PremiumDiet')} />
+              <Button title="실손 세대 판별" variant="outline" onPress={() => nav.navigate('SilsonGen')} />
+              <Button title="가족 보험 한눈에 보기" variant="outline" onPress={() => nav.navigate('Family')} />
+            </View>
+          </Section>
+        </ScrollView>
+      </ScreenContainer>
+      <AddPolicyModal open={modalOpen} onClose={() => setModalOpen(false)} onCreated={() => { fetchPolicies(); fetchScore(); }} />
+    </>
+  );
+}
+
+function AddPolicyModal({ open, onClose, onCreated }: { open: boolean; onClose: () => void; onCreated: () => void }) {
+  const [name, setName] = useState('');
+  const [insurer, setInsurer] = useState('');
+  const [type, setType] = useState<Policy['type']>('SILSON');
+  const [monthlyPremium, setMonthlyPremium] = useState('');
+  const [coverage, setCoverage] = useState('');
+  const [joinDate, setJoinDate] = useState(new Date().toISOString().slice(0, 10));
+  const [submitting, setSubmitting] = useState(false);
+
+  const onSubmit = async () => {
+    if (!name || !insurer || !monthlyPremium || !coverage) {
+      Alert.alert('필수 항목을 모두 입력하세요');
+      return;
+    }
+    setSubmitting(true);
+    try {
+      await policyApi.create({
+        name,
+        insurer,
+        type,
+        monthlyPremium: parseInt(monthlyPremium, 10),
+        coverage: parseInt(coverage, 10),
+        joinDate,
+      } as any);
+      onCreated();
+      onClose();
+      setName('');
+      setInsurer('');
+      setMonthlyPremium('');
+      setCoverage('');
+    } catch (e: any) {
+      Alert.alert('등록 실패', e?.message);
+    } finally {
+      setSubmitting(false);
+    }
+  };
+
+  return (
+    <Modal visible={open} animationType="slide" onRequestClose={onClose} transparent={false}>
+      <ScreenContainer scroll={false}>
+        <Header title="보험 추가" showBack={false} right={<TouchableOpacity onPress={onClose}><Ionicons name="close" size={24} color={colors.text} /></TouchableOpacity>} />
+        <ScrollView contentContainerStyle={{ padding: spacing.lg, paddingBottom: 40 }}>
+          <Text style={styles.modalLabel}>보험 종류</Text>
+          <View style={{ flexDirection: 'row', flexWrap: 'wrap', gap: 6 }}>
+            {POLICY_TYPES.map((t) => (
+              <TouchableOpacity key={t.v} style={[styles.pill, type === t.v && styles.pillActive]} onPress={() => setType(t.v)}>
+                <Text style={[styles.pillText, type === t.v && styles.pillTextActive]}>{t.label}</Text>
+              </TouchableOpacity>
+            ))}
+          </View>
+          <Text style={[styles.modalLabel, { marginTop: 16 }]}>상품명 *</Text>
+          <TextInput style={styles.input} value={name} onChangeText={setName} placeholder="예) 4세대 실손의료비" placeholderTextColor={colors.textTertiary} />
+          <Text style={[styles.modalLabel, { marginTop: 12 }]}>보험사 *</Text>
+          <TextInput style={styles.input} value={insurer} onChangeText={setInsurer} placeholder="예) 삼성생명" placeholderTextColor={colors.textTertiary} />
+          <Text style={[styles.modalLabel, { marginTop: 12 }]}>월 보험료 (원) *</Text>
+          <TextInput style={styles.input} value={monthlyPremium} onChangeText={setMonthlyPremium} placeholder="예) 32000" keyboardType="number-pad" placeholderTextColor={colors.textTertiary} />
+          <Text style={[styles.modalLabel, { marginTop: 12 }]}>보장금액 (원) *</Text>
+          <TextInput style={styles.input} value={coverage} onChangeText={setCoverage} placeholder="예) 50000000" keyboardType="number-pad" placeholderTextColor={colors.textTertiary} />
+          <Text style={[styles.modalLabel, { marginTop: 12 }]}>가입일</Text>
+          <TextInput style={styles.input} value={joinDate} onChangeText={setJoinDate} placeholder="YYYY-MM-DD" placeholderTextColor={colors.textTertiary} />
+          <View style={{ height: 24 }} />
+          <Button title="등록하기" size="lg" onPress={onSubmit} loading={submitting} />
+        </ScrollView>
+      </ScreenContainer>
+    </Modal>
  );
 }

@@ -94,4 +223,19 @@ const styles = StyleSheet.create({
  insurer: { ...typography.caption, color: colors.textSecondary },
  name: { ...typography.bodyBold, color: colors.text, marginTop: 2 },
  dim: { ...typography.caption, color: colors.textSecondary, marginTop: 2 },
+  addBtn: { color: colors.primary, fontWeight: '700' },
+  modalLabel: { ...typography.caption, color: colors.textSecondary, fontWeight: '600', marginBottom: 6 },
+  input: {
+    borderWidth: 1,
+    borderColor: colors.border,
+    borderRadius: radius.md,
+    padding: 12,
+    fontSize: 15,
+    color: colors.text,
+    backgroundColor: colors.surface,
+  },
+  pill: { paddingHorizontal: 12, paddingVertical: 8, borderRadius: radius.pill, backgroundColor: colors.surfaceAlt, borderWidth: 1, borderColor: colors.border },
+  pillActive: { backgroundColor: colors.primary, borderColor: colors.primary },
+  pillText: { ...typography.small, color: colors.text },
+  pillTextActive: { color: '#FFF', fontWeight: '700' },
 });
@@ -8,7 +8,8 @@ import Header from '@/components/Header';
 import Card from '@/components/Card';
 import Section from '@/components/Section';
 import Badge from '@/components/Badge';
-import { useAppStore } from '@/store/useAppStore';
+import { useAuthStore } from '@/store/useAuthStore';
+import Button from '@/components/Button';
 import { colors } from '@/theme/colors';
 import { spacing, typography } from '@/theme/typography';
 import type { RootStackParamList } from '@/navigation/RootNavigator';
@@ -28,7 +29,8 @@ const menu = [

 export default function MyPageScreen() {
  const nav = useNavigation<Nav>();
-  const profile = useAppStore((s) => s.profile);
+  const user = useAuthStore((s) => s.user);
+  const logout = useAuthStore((s) => s.logout);

  return (
    <ScreenContainer>
@@ -40,12 +42,13 @@ export default function MyPageScreen() {
              <Ionicons name="person" size={32} color={colors.primary} />
            </View>
            <View style={{ flex: 1, marginLeft: 14 }}>
-              <Text style={typography.h3 as any}>{profile.name}님</Text>
+              <Text style={typography.h3 as any}>{user?.name ?? '사용자'}님</Text>
              <Text style={styles.dim}>
-                {profile.age}세 · {profile.gender} · {profile.job}
+                {user?.profile?.age ?? '-'}세 · {user?.profile?.gender === 'FEMALE' ? '여' : '남'} · {user?.profile?.job ?? '-'}
              </Text>
-              <View style={{ marginTop: 6 }}>
-                <Badge label={`보험점수 ${profile.score}점`} tone="primary" />
+              <View style={{ marginTop: 6, flexDirection: 'row', gap: 6 }}>
+                <Badge label={`보험점수 ${user?.profile?.score ?? 0}점`} tone="primary" />
+                {user?.provider === 'KAKAO' && <Badge label="카카오" tone="warning" />}
              </View>
            </View>
          </View>
@@ -68,6 +71,9 @@ export default function MyPageScreen() {
        ))}
      </Section>

+      <View style={{ paddingHorizontal: spacing.lg, marginTop: 16 }}>
+        <Button title="로그아웃" variant="outline" onPress={logout} />
+      </View>
      <View style={{ alignItems: 'center', marginTop: 24 }}>
        <Text style={styles.dim}>보험케어 v1.0.0</Text>
      </View>
@@ -1,5 +1,5 @@
-import React from 'react';
-import { View, Text, StyleSheet } from 'react-native';
+import React, { useEffect, useState } from 'react';
+import { View, Text, StyleSheet, RefreshControl, ScrollView } from 'react-native';
 import { Ionicons } from '@expo/vector-icons';
 import { useNavigation } from '@react-navigation/native';
 import type { NativeStackNavigationProp } from '@react-navigation/native-stack';
@@ -10,7 +10,8 @@ import Section from '@/components/Section';
 import Button from '@/components/Button';
 import ScoreGauge from '@/components/ScoreGauge';
 import ProgressBar from '@/components/ProgressBar';
-import { useAppStore } from '@/store/useAppStore';
+import { useDataStore } from '@/store/useDataStore';
+import { scoreApi } from '@/api/endpoints';
 import { colors } from '@/theme/colors';
 import { spacing, typography } from '@/theme/typography';
 import type { RootStackParamList } from '@/navigation/RootNavigator';
@@ -26,26 +27,51 @@ const statusMap = {

 export default function ScoreScreen() {
  const nav = useNavigation<Nav>();
-  const score = useAppStore((s) => s.score);
+  const { score, fetchScore } = useDataStore();
+  const [refreshing, setRefreshing] = useState(false);
+
+  useEffect(() => {
+    fetchScore();
+  }, [fetchScore]);
+
+  const onRefresh = async () => {
+    setRefreshing(true);
+    try {
+      await scoreApi.recompute();
+      await fetchScore();
+    } finally {
+      setRefreshing(false);
+    }
+  };
+
+  const total = score?.total ?? 0;
+  const breakdown = score?.breakdown ?? [];

  return (
-    <ScreenContainer>
+    <ScreenContainer scroll={false}>
      <Header title="내 보험 점수" />
-      <View style={{ padding: spacing.lg }}>
+      <ScrollView
+        contentContainerStyle={{ padding: spacing.lg, paddingBottom: 40 }}
+        refreshControl={<RefreshControl refreshing={refreshing} onRefresh={onRefresh} />}
+      >
        <Card padding="xl">
          <View style={{ alignItems: 'center' }}>
-            <ScoreGauge value={score.total} size={200} />
+            <ScoreGauge value={total} size={200} />
          </View>
          <View style={{ marginTop: 16, padding: 14, backgroundColor: colors.primaryLight, borderRadius: 12 }}>
            <Text style={{ color: colors.primaryDark, fontWeight: '700' }}>
-              💡 상위 15% 수준이에요. 몇 가지 보완하면 90점 이상 가능!
+              {total >= 80
+                ? '💪 양호한 수준입니다. 부족한 항목만 채우면 90점+'
+                : total >= 60
+                ? '🟡 기본은 있지만 취약 항목이 있어요'
+                : '🔴 현재 보장이 크게 부족합니다. 상담 권장'}
            </Text>
          </View>
        </Card>

        <Section title="항목별 점수">
-          {score.breakdown.map((b) => {
-            const s = statusMap[b.status];
+          {breakdown.map((b) => {
+            const s = statusMap[b.status as keyof typeof statusMap];
            return (
              <Card key={b.label} style={{ marginBottom: 10 }}>
                <View style={{ flexDirection: 'row', alignItems: 'center' }}>
@@ -63,28 +89,29 @@ export default function ScoreScreen() {
        </Section>

        <Section title="⚡ 점수 올리는 법">
-          {[
-            { title: '간병보험 가입', desc: '60대 이후 필수. +15점', route: 'Consult' },
-            { title: '종신보험 보장 강화', desc: '자녀 자산 상속 대비. +10점', route: 'Consult' },
-            { title: '치아보험 추가', desc: '중년기 치과 비용 대비. +5점', route: 'Consult' },
-          ].map((a) => (
-            <Card key={a.title} style={{ marginBottom: 10 }} onPress={() => nav.navigate(a.route as any)}>
-              <View style={{ flexDirection: 'row', alignItems: 'center' }}>
-                <View style={{ flex: 1 }}>
-                  <Text style={typography.bodyBold as any}>{a.title}</Text>
-                  <Text style={{ ...typography.caption, color: colors.textSecondary } as any}>{a.desc}</Text>
+          {breakdown
+            .filter((b) => b.status !== 'good')
+            .slice(0, 3)
+            .map((b) => (
+              <Card key={b.label} style={{ marginBottom: 10 }} onPress={() => nav.navigate('Consult')}>
+                <View style={{ flexDirection: 'row', alignItems: 'center' }}>
+                  <View style={{ flex: 1 }}>
+                    <Text style={typography.bodyBold as any}>{b.label} {b.status === 'none' ? '가입' : '보장 강화'}</Text>
+                    <Text style={{ ...typography.caption, color: colors.textSecondary } as any}>
+                      {b.status === 'none' ? '미가입 상태. 필수 점검' : `현재 ${b.value}점 — 상담 통해 보완`}
+                    </Text>
+                  </View>
+                  <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
                </View>
-                <Ionicons name="chevron-forward" size={20} color={colors.textTertiary} />
-              </View>
-            </Card>
-          ))}
+              </Card>
+            ))}
        </Section>

-        <View style={{ paddingHorizontal: 0, paddingTop: 8, gap: 8 }}>
+        <View style={{ paddingTop: 8, gap: 8 }}>
          <Button title="맞춤 상담 받기" onPress={() => nav.navigate('Consult')} />
          <Button title="보험료 다이어트 진단" variant="outline" onPress={() => nav.navigate('PremiumDiet')} />
        </View>
-      </View>
+      </ScrollView>
    </ScreenContainer>
  );
 }
@@ -0,0 +1,141 @@
+import React, { useState } from 'react';
+import { View, Text, StyleSheet, TextInput, TouchableOpacity, Alert, Platform } from 'react-native';
+import { LinearGradient } from 'expo-linear-gradient';
+import { Ionicons } from '@expo/vector-icons';
+import { useNavigation } from '@react-navigation/native';
+import ScreenContainer from '@/components/ScreenContainer';
+import Button from '@/components/Button';
+import { colors } from '@/theme/colors';
+import { radius, spacing, typography } from '@/theme/typography';
+import { useAuthStore } from '@/store/useAuthStore';
+
+export default function LoginScreen() {
+  const nav = useNavigation<any>();
+  const login = useAuthStore((s) => s.login);
+  const kakaoLogin = useAuthStore((s) => s.kakaoLogin);
+  const loading = useAuthStore((s) => s.loading);
+
+  const [email, setEmail] = useState('');
+  const [password, setPassword] = useState('');
+  const [submitting, setSubmitting] = useState(false);
+
+  const onSubmit = async () => {
+    if (!email || !password) {
+      Alert.alert('이메일과 비밀번호를 입력하세요');
+      return;
+    }
+    setSubmitting(true);
+    try {
+      await login(email, password);
+    } catch (e: any) {
+      Alert.alert('로그인 실패', e?.message ?? '다시 시도해 주세요');
+    } finally {
+      setSubmitting(false);
+    }
+  };
+
+  const onKakao = async () => {
+    if (Platform.OS === 'web') {
+      const input = window.prompt('[개발용] 카카오 Access Token을 입력하세요\n실환경에서는 Kakao JS SDK로 자동 획득됩니다.');
+      if (!input) return;
+      try {
+        await kakaoLogin(input);
+      } catch (e: any) {
+        Alert.alert('카카오 로그인 실패', e?.message ?? '');
+      }
+      return;
+    }
+    Alert.alert(
+      '카카오 로그인',
+      'Native 카카오 SDK (@react-native-seoul/kakao-login) 연동이 필요합니다. 빌드 후 테스트 가능합니다.'
+    );
+  };
+
+  return (
+    <ScreenContainer edges={['top']}>
+      <View style={{ padding: spacing.xxl, paddingTop: 40 }}>
+        <LinearGradient colors={colors.gradient.primary} style={styles.hero}>
+          <Ionicons name="shield-checkmark" size={40} color="#FFF" />
+          <Text style={styles.heroTitle}>보험케어</Text>
+          <Text style={styles.heroSub}>내 보험, 가족 보험 한눈에</Text>
+        </LinearGradient>
+
+        <View style={{ marginTop: 28, gap: 12 }}>
+          <View>
+            <Text style={styles.label}>이메일</Text>
+            <TextInput
+              style={styles.input}
+              placeholder="you@example.com"
+              keyboardType="email-address"
+              autoCapitalize="none"
+              value={email}
+              onChangeText={setEmail}
+              placeholderTextColor={colors.textTertiary}
+            />
+          </View>
+          <View>
+            <Text style={styles.label}>비밀번호</Text>
+            <TextInput
+              style={styles.input}
+              placeholder="8자 이상"
+              secureTextEntry
+              value={password}
+              onChangeText={setPassword}
+              placeholderTextColor={colors.textTertiary}
+            />
+          </View>
+
+          <View style={{ marginTop: 8 }}>
+            <Button title="로그인" size="lg" onPress={onSubmit} loading={submitting || loading} />
+          </View>
+
+          <View style={styles.divider}>
+            <View style={styles.line} />
+            <Text style={styles.divText}>또는</Text>
+            <View style={styles.line} />
+          </View>
+
+          <Button
+            title="카카오로 3초 시작"
+            variant="kakao"
+            size="lg"
+            leftIcon={<Ionicons name="chatbubble" size={18} color="#191600" />}
+            onPress={onKakao}
+          />
+
+          <TouchableOpacity style={styles.signupRow} onPress={() => nav.navigate('Register')}>
+            <Text style={styles.signupText}>
+              계정이 없으신가요? <Text style={styles.signupLink}>회원가입</Text>
+            </Text>
+          </TouchableOpacity>
+        </View>
+      </View>
+    </ScreenContainer>
+  );
+}
+
+const styles = StyleSheet.create({
+  hero: {
+    padding: 28,
+    borderRadius: radius.xl,
+    alignItems: 'center',
+  },
+  heroTitle: { color: '#FFF', fontSize: 26, fontWeight: '800', marginTop: 8 },
+  heroSub: { color: 'rgba(255,255,255,0.85)', fontSize: 14, marginTop: 6 },
+  label: { ...typography.caption, color: colors.textSecondary, fontWeight: '600', marginBottom: 6 },
+  input: {
+    borderWidth: 1,
+    borderColor: colors.border,
+    borderRadius: radius.md,
+    padding: 14,
+    fontSize: 15,
+    color: colors.text,
+    backgroundColor: colors.surface,
+  },
+  divider: { flexDirection: 'row', alignItems: 'center', marginVertical: 4 },
+  line: { flex: 1, height: 1, backgroundColor: colors.border },
+  divText: { ...typography.small, color: colors.textSecondary, marginHorizontal: 10 },
+  signupRow: { alignItems: 'center', marginTop: 10, paddingVertical: 10 },
+  signupText: { ...typography.caption, color: colors.textSecondary },
+  signupLink: { color: colors.primary, fontWeight: '700' },
+});
@@ -0,0 +1,188 @@
+import React, { useState } from 'react';
+import { View, Text, StyleSheet, TextInput, TouchableOpacity, Alert, ScrollView } from 'react-native';
+import { useNavigation } from '@react-navigation/native';
+import ScreenContainer from '@/components/ScreenContainer';
+import Header from '@/components/Header';
+import Button from '@/components/Button';
+import { colors } from '@/theme/colors';
+import { radius, spacing, typography } from '@/theme/typography';
+import { useAuthStore } from '@/store/useAuthStore';
+
+export default function RegisterScreen() {
+  const nav = useNavigation<any>();
+  const register = useAuthStore((s) => s.register);
+
+  const [email, setEmail] = useState('');
+  const [password, setPassword] = useState('');
+  const [password2, setPassword2] = useState('');
+  const [name, setName] = useState('');
+  const [phone, setPhone] = useState('');
+  const [age, setAge] = useState('');
+  const [gender, setGender] = useState<'MALE' | 'FEMALE'>('MALE');
+  const [job, setJob] = useState('사무직');
+  const [submitting, setSubmitting] = useState(false);
+
+  const onSubmit = async () => {
+    if (!email || !password || !name || !age) {
+      Alert.alert('필수 항목을 모두 입력하세요');
+      return;
+    }
+    if (password.length < 8) {
+      Alert.alert('비밀번호는 8자 이상이어야 합니다');
+      return;
+    }
+    if (password !== password2) {
+      Alert.alert('비밀번호가 일치하지 않습니다');
+      return;
+    }
+    const ageNum = parseInt(age, 10);
+    if (isNaN(ageNum) || ageNum < 0 || ageNum > 120) {
+      Alert.alert('나이를 올바르게 입력하세요');
+      return;
+    }
+
+    setSubmitting(true);
+    try {
+      await register({ email, password, name, phone, age: ageNum, gender, job });
+    } catch (e: any) {
+      Alert.alert('회원가입 실패', e?.message ?? '다시 시도해 주세요');
+    } finally {
+      setSubmitting(false);
+    }
+  };
+
+  return (
+    <ScreenContainer scroll={false}>
+      <Header title="회원가입" />
+      <ScrollView style={{ flex: 1 }} contentContainerStyle={{ padding: spacing.xxl, paddingBottom: 48 }}>
+        <Text style={typography.h3 as any}>기본 정보</Text>
+
+        <Field label="이메일 *">
+          <TextInput
+            style={styles.input}
+            placeholder="you@example.com"
+            keyboardType="email-address"
+            autoCapitalize="none"
+            value={email}
+            onChangeText={setEmail}
+            placeholderTextColor={colors.textTertiary}
+          />
+        </Field>
+        <Field label="비밀번호 *">
+          <TextInput
+            style={styles.input}
+            placeholder="8자 이상"
+            secureTextEntry
+            value={password}
+            onChangeText={setPassword}
+            placeholderTextColor={colors.textTertiary}
+          />
+        </Field>
+        <Field label="비밀번호 확인 *">
+          <TextInput
+            style={styles.input}
+            placeholder="다시 한 번"
+            secureTextEntry
+            value={password2}
+            onChangeText={setPassword2}
+            placeholderTextColor={colors.textTertiary}
+          />
+        </Field>
+        <Field label="이름 *">
+          <TextInput
+            style={styles.input}
+            placeholder="홍길동"
+            value={name}
+            onChangeText={setName}
+            placeholderTextColor={colors.textTertiary}
+          />
+        </Field>
+        <Field label="휴대전화">
+          <TextInput
+            style={styles.input}
+            placeholder="010-0000-0000"
+            keyboardType="phone-pad"
+            value={phone}
+            onChangeText={setPhone}
+            placeholderTextColor={colors.textTertiary}
+          />
+        </Field>
+
+        <View style={{ height: 20 }} />
+        <Text style={typography.h3 as any}>프로필</Text>
+
+        <Field label="나이 *">
+          <TextInput
+            style={styles.input}
+            placeholder="34"
+            keyboardType="number-pad"
+            value={age}
+            onChangeText={setAge}
+            placeholderTextColor={colors.textTertiary}
+          />
+        </Field>
+        <Field label="성별">
+          <View style={{ flexDirection: 'row', gap: 8 }}>
+            {([
+              { v: 'MALE' as const, l: '남성' },
+              { v: 'FEMALE' as const, l: '여성' },
+            ]).map((o) => (
+              <TouchableOpacity
+                key={o.v}
+                style={[styles.pill, gender === o.v && styles.pillActive]}
+                onPress={() => setGender(o.v)}
+              >
+                <Text style={[styles.pillText, gender === o.v && styles.pillTextActive]}>{o.l}</Text>
+              </TouchableOpacity>
+            ))}
+          </View>
+        </Field>
+        <Field label="직업">
+          <View style={{ flexDirection: 'row', flexWrap: 'wrap', gap: 8 }}>
+            {['사무직', '생산직', '전문직', '학생', '주부', '기타'].map((j) => (
+              <TouchableOpacity key={j} style={[styles.pill, job === j && styles.pillActive]} onPress={() => setJob(j)}>
+                <Text style={[styles.pillText, job === j && styles.pillTextActive]}>{j}</Text>
+              </TouchableOpacity>
+            ))}
+          </View>
+        </Field>
+
+        <View style={{ height: 24 }} />
+        <Button title="가입하기" size="lg" onPress={onSubmit} loading={submitting} />
+      </ScrollView>
+    </ScreenContainer>
+  );
+}
+
+function Field({ label, children }: { label: string; children: React.ReactNode }) {
+  return (
+    <View style={{ marginTop: 14 }}>
+      <Text style={styles.label}>{label}</Text>
+      {children}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  label: { ...typography.caption, color: colors.textSecondary, fontWeight: '600', marginBottom: 6 },
+  input: {
+    borderWidth: 1,
+    borderColor: colors.border,
+    borderRadius: radius.md,
+    padding: 14,
+    fontSize: 15,
+    color: colors.text,
+    backgroundColor: colors.surface,
+  },
+  pill: {
+    paddingHorizontal: 16,
+    paddingVertical: 10,
+    borderRadius: radius.pill,
+    backgroundColor: colors.surfaceAlt,
+    borderWidth: 1,
+    borderColor: colors.border,
+  },
+  pillActive: { backgroundColor: colors.primary, borderColor: colors.primary },
+  pillText: { color: colors.text, fontWeight: '500' },
+  pillTextActive: { color: '#FFF', fontWeight: '700' },
+});
@@ -0,0 +1,76 @@
+import { create } from 'zustand';
+import { authApi, type User } from '@/api/endpoints';
+import { clearToken, loadToken, saveToken } from '@/api/client';
+
+type State = {
+  user: User | null;
+  loading: boolean;
+  error: string | null;
+  hydrate: () => Promise<void>;
+  login: (email: string, password: string) => Promise<void>;
+  register: (body: Parameters<typeof authApi.register>[0]) => Promise<void>;
+  kakaoLogin: (accessToken: string) => Promise<void>;
+  logout: () => Promise<void>;
+};
+
+export const useAuthStore = create<State>((set) => ({
+  user: null,
+  loading: true,
+  error: null,
+
+  hydrate: async () => {
+    const tok = await loadToken();
+    if (!tok) {
+      set({ loading: false });
+      return;
+    }
+    try {
+      const me = await authApi.me();
+      set({ user: me, loading: false });
+    } catch {
+      await clearToken();
+      set({ user: null, loading: false });
+    }
+  },
+
+  login: async (email, password) => {
+    set({ loading: true, error: null });
+    try {
+      const res = await authApi.login(email, password);
+      await saveToken(res.token);
+      set({ user: res.user, loading: false });
+    } catch (e: any) {
+      set({ loading: false, error: e?.message ?? '로그인 실패' });
+      throw e;
+    }
+  },
+
+  register: async (body) => {
+    set({ loading: true, error: null });
+    try {
+      const res = await authApi.register(body);
+      await saveToken(res.token);
+      set({ user: res.user, loading: false });
+    } catch (e: any) {
+      set({ loading: false, error: e?.message ?? '회원가입 실패' });
+      throw e;
+    }
+  },
+
+  kakaoLogin: async (accessToken) => {
+    set({ loading: true, error: null });
+    try {
+      const res = await authApi.kakao(accessToken);
+      await saveToken(res.token);
+      set({ user: res.user, loading: false });
+    } catch (e: any) {
+      set({ loading: false, error: e?.message ?? '카카오 로그인 실패' });
+      throw e;
+    }
+  },
+
+  logout: async () => {
+    await clearToken();
+    set({ user: null });
+  },
+}));
@@ -0,0 +1,88 @@
+import { create } from 'zustand';
+import { familyApi, type FamilyMember, policyApi, type Policy, claimApi, type Claim, scoreApi, notificationApi } from '@/api/endpoints';
+
+type ScoreState = { total: number; breakdown: Array<{ label: string; value: number; status: string }> };
+
+type State = {
+  family: FamilyMember[];
+  policies: Policy[];
+  claims: Claim[];
+  score: ScoreState | null;
+  notifications: any[];
+  upcoming: any[];
+
+  loading: { [k: string]: boolean };
+
+  fetchAll: () => Promise<void>;
+  fetchFamily: () => Promise<void>;
+  fetchPolicies: () => Promise<void>;
+  fetchClaims: () => Promise<void>;
+  fetchScore: () => Promise<void>;
+  fetchNotifications: () => Promise<void>;
+};
+
+export const useDataStore = create<State>((set, get) => ({
+  family: [],
+  policies: [],
+  claims: [],
+  score: null,
+  notifications: [],
+  upcoming: [],
+  loading: {},
+
+  fetchAll: async () => {
+    await Promise.all([
+      get().fetchFamily(),
+      get().fetchPolicies(),
+      get().fetchClaims(),
+      get().fetchScore(),
+      get().fetchNotifications(),
+    ]);
+  },
+
+  fetchFamily: async () => {
+    set((s) => ({ loading: { ...s.loading, family: true } }));
+    try {
+      const family = await familyApi.list();
+      set({ family });
+    } finally {
+      set((s) => ({ loading: { ...s.loading, family: false } }));
+    }
+  },
+  fetchPolicies: async () => {
+    set((s) => ({ loading: { ...s.loading, policies: true } }));
+    try {
+      const policies = await policyApi.list();
+      set({ policies });
+    } finally {
+      set((s) => ({ loading: { ...s.loading, policies: false } }));
+    }
+  },
+  fetchClaims: async () => {
+    set((s) => ({ loading: { ...s.loading, claims: true } }));
+    try {
+      const claims = await claimApi.list();
+      set({ claims });
+    } finally {
+      set((s) => ({ loading: { ...s.loading, claims: false } }));
+    }
+  },
+  fetchScore: async () => {
+    set((s) => ({ loading: { ...s.loading, score: true } }));
+    try {
+      const score = await scoreApi.get();
+      set({ score });
+    } finally {
+      set((s) => ({ loading: { ...s.loading, score: false } }));
+    }
+  },
+  fetchNotifications: async () => {
+    set((s) => ({ loading: { ...s.loading, noti: true } }));
+    try {
+      const [notifications, upcoming] = await Promise.all([notificationApi.list(), notificationApi.upcoming()]);
+      set({ notifications, upcoming });
+    } finally {
+      set((s) => ({ loading: { ...s.loading, noti: false } }));
+    }
+  },
+}));