Project Title: Medigard - Medical Tourism Insurance Platform

General Design System:

• Vibe: Professional, trustworthy, clinical yet modern.
• Color Palette:
  • Backgrounds: Light Slate / Off-white (#f8fafc).
  • Text: Dark Slate (#0f172a) for headings, Medium Slate (#64748b) for body.
  • Primary/Brand: Teal (#0d9488) used for buttons, active states, and trust badges.
  • Accents: Amber for "Moderate Risk" alerts, Red for "Emergency" buttons.
• Typography: Sans-serif (Inter or similar), clean and readable.
• Components: Rounded corners (8px-12px), subtle drop shadows on cards, outlined input fields.

Page Structure & Requirements:

1. Landing Page (Home)

• Hero Section: Split layout. Left side text: "Surgery Abroad? Don't Risk The Gaps." with two buttons ("Get Protected" and "How it Works"). Right side: Abstract visual representation of a "Risk Analysis" card showing a safety score and verified checkmarks.
• Features Grid: A 4-column section highlighting: "Complication Coverage," "Emergency Evacuation," "Follow-up Care," and "24/7 Concierge." Use simple icons for each.
• Social Proof: A section with 2-3 testimonials cards showing star ratings and patient location.
• Footer: Dark background with simple links.

2. Quote Wizard (Multi-step Form)

• Step 1 (Inputs): A clean form asking for:
  • Destination (Dropdown: Turkey, Mexico, Thailand, etc.)
  • Procedure (Dropdown: Rhinoplasty, Dental Implants, etc.)
  • Hospital Name (Text input)
  • Estimated Cost (Number input)
  • Date (Date picker)
• Step 2 (Analysis & Selection):
  • Visual Logic: Display a "Loading..." state for 2 seconds to simulate risk verification.
  • Risk Display: Show a Donut Chart or Progress Bar indicating a "Risk Score" (e.g., 15/100) and a list of "Verified Factors" (e.g., JCI Accredited).
  • Pricing Cards: Three vertical cards (Essential, Traveler Plus, Global Elite). The middle card should be highlighted as "Recommended." Prices should be calculated as a percentage of the user's input cost (e.g., 8%, 12%, 15%).
• Step 3 (Checkout): A summary page showing the selected destination, procedure, and final premium price with a "Complete Purchase" button.

3. User Dashboard (Post-Login View)

• Policy Card: A visually distinct card (teal gradient background) showing the policy number, beneficiary name, coverage limit (e.g., $250k), and dates.
• Action Grid: Two prominent buttons:
  • "Emergency Hotline" (Red styling).
  • "Concierge Chat" (Blue/Teal styling).
• Concierge Interface (Tab/Modal): A chat-style interface.
  • UI: Scrollable message history area and a bottom text input field with a send button.
  • Behavior: When the user types a message (e.g., "Find me a pharmacy"), the system should display the user's message on the right and a simulated helpful response on the left after a short delay.