{
  "version": 1,
  "groups": [
    {
      "id": "kyc_identity",
      "title": "Identificación",
      "description": "Cédula, pasaporte, PEP según SSRP",
      "fieldKeys": ["full_name", "document_id", "document_expiry", "nationality"]
    },
    {
      "id": "life_risk_health",
      "title": "Salud y hábitos (vida)",
      "description": "Declaración de salud, tabaco, deportes de riesgo",
      "fieldKeys": ["smoking", "height_cm", "weight_kg", "medical_conditions"]
    },
    {
      "id": "auto_vehicle",
      "title": "Vehículo",
      "description": "Placa, uso, valor, accesorios",
      "fieldKeys": ["plate", "vin", "year", "use_type", "declared_value"]
    },
    {
      "id": "health_local_cover",
      "title": "Salud local · cobertura",
      "description": "Red, deducible, preexistencias",
      "fieldKeys": ["network", "deductible_usd", "preexisting_disclosure"]
    },
    {
      "id": "health_intl_cover",
      "title": "Salud internacional",
      "description": "Zona de cobertura, repatriación, USA cover",
      "fieldKeys": ["coverage_zone", "usa_cover", "repatriation"]
    },
    {
      "id": "home_property",
      "title": "Propiedad (hogar)",
      "description": "Ubicación, construcción, suma contenido",
      "fieldKeys": ["address", "construction_type", "contents_sum"]
    }
  ]
}