INSURE TALES
Ratnanidhi Charitable Trust
👋 Quick start
This manual explains how to open, play, and deploy the Wai Trail game in classrooms. Tap the ☰ menu at the top right to jump to any section.
1What is the game?
Insure Tales: The Wai Trail is a single-player educational game that teaches students about insurance through gameplay. Players walk along a board of 31 squares — each one a location from the storybook (Pakora Evening, Piggy Bank Bridge, Ganesh Tea Centre, Sankatmochan Hospital, Uncle Keshav's Farm, and so on).
At each square they answer a question, collect Insurance Cards, and face Risk Cards. The player with the most coins at the end becomes the #1 Insurance Ambassador on the leaderboard.
• Story-based — every question is tied to a chapter of the book
• Visual — the actual storybook illustrations appear inside questions
• Consequence-driven — a missing Insurance Card means kids LOSE coins when a Risk Card hits, so they viscerally learn why insurance matters
• Competitive — the leaderboard saves top 20 scores, so kids want to play again and improve
• Two difficulty levels — same game scales to Junior (Std 5–7, story analogies) or Senior (Std 8–10, with calculations)
| Aspect | Details |
|---|---|
| Players | Single player. Each student plays on their own device. |
| Duration | 10–15 minutes per game |
| Ages | Std 5–7 (Junior) or Std 8–10 (Senior) |
| Best for | Computer lab, projected on classroom screen, or at-home practice on phone/tablet |
2What you need to play
The game is a single file: InsureTales_WaiTrail.html
Once you have this file, you need one of the following:
- A smartphone (Android or iPhone)
- A tablet (iPad or Android tablet)
- A laptop or desktop computer
- Or a school computer in a computer lab
• You DO NOT need an internet connection to play (after the file is opened once)
• You DO NOT need to install anything — no app store, no signup
• You DO NOT need any accounts or passwords
• The game works in any web browser — Chrome, Safari, Firefox, Edge
3How to open & start the game
Option A — From a USB stick or local file
- Copy InsureTales_WaiTrail.html to the device
- Double-tap (or double-click) the file
- It opens in your default browser. The Insure Tales title screen appears.
Option B — From a web link
- Upload the file to your school website, Google Drive, or any web host
- Share the URL with students
- Students tap the link → game opens in their browser
Option C — From an email or WhatsApp message
- Attach the file to an email or WhatsApp message
- Recipient downloads and opens the file
- Game opens in their browser
The first time the game opens it may take 3–5 seconds to load — it has all the storybook illustrations embedded inside. After that, it runs instantly, even offline.
4How to play — step by step
Inside the game, kids see this How-to-Play screen with 7 illustrated steps:
You'll see the title screen with the storybook cover. Tap the big red START GAME button.
You'll see a 7-step How-to-Play screen. Read it once. When ready, tap I'm ready! →
Type your name, pick a character, choose Junior or Senior mode.
Tap the white dice button at the bottom-left. The dice rolls 1–6 and your character moves that many squares forward along the trail.
A question slides up from the bottom. You'll see: the location/chapter, a book illustration, the question, and 4 options A–D. Tap your answer.
The CORRECT option lights green with a ✓. If you picked wrong, your choice lights red. The coin counter at top bumps up (or down) with animation. If you earned an Insurance Card, a green pop-up appears.
Some squares are special:
- ⚠ RISK — random misfortune. If you have the matching Insurance Card, you're protected.
- 🎁 BONUS — free coins + sometimes a free Insurance Card
- 🏆 FINISH — reach square 31 to end the game
At the Ambassador's Pledge (square 31), the game ends. You see your medal, final coin score, leaderboard rank, and the top 10 players.
5The 8 characters and their powers
Each character starts the game with a different advantage:
| Character | Special power |
|---|---|
| 👨 Papa | Starts with ₹250 bonus coins |
| 👩 Mummy Radhika | Starts with ₹250 bonus coins |
| 👦 Raju | Neutral — no special power |
| 👧 Meera | +30 EXTRA coins on every correct answer |
| 🧔 Deepak | Starts with 🛡 Life Insurance card |
| 👩🏫 Neeta | Starts with 🏥 Health Insurance card |
| 👨🌾 Uncle Keshav | Starts with 🌾 Crop Insurance card |
| 👴 Ramesh Uncle | Starts with 🏠 Property Insurance card |
Encourage students to play multiple times with different characters. They'll discover that starting with a free Insurance Card (Deepak/Neeta/Keshav/Ramesh) is a different kind of advantage from extra coins (Papa/Mummy/Meera) — this teaches strategy AND demonstrates how insurance protects you up front.
6The board — 31 squares
The board has 31 squares in a 3-column grid. Players walk from Wai Town (1) to Ambassador's Pledge (31).
Square types
Where you begin. No question. You start with 100 coins (+ character bonus).
Answer a question about the chapter shown on the square.
• Correct: +100 (Jr) or +150 (Sr)
• Wrong: −50 (Jr) or −75 (Sr)
• Some correct answers also earn an Insurance Card
Triggers a random Risk Card. Examples: "Bike accident — lose ₹300" or "Hospital admission — lose ₹500".
BUT: if you have the matching Insurance Card, you're PROTECTED and lose nothing.
Some Risk Cards are LUCKY (e.g. "Birthday gift — +₹150").
Free +150 (Jr) or +200 (Sr) coins.
Plus, often a free Insurance Card matching the chapter.
Ends the game. Your final coin count = your score on the leaderboard.
All 31 squares in order
| 1. 🏡 Wai Town (START) |
| 2. 🥟 Pakora Evening (Ch 1) |
| 3. ❓ Why Insurance? (Ch 1) |
| 4. ☂️ Umbrella Square (Ch 2) |
| 5. 📅 Term Insurance (Ch 2) |
| 6. ⚠️ Risk! |
| 7. 🐷 Piggy Bank Bridge (Ch 3) |
| 8. 💰 Endowment Plan (Ch 3) |
| 9. 🎁 Bonus! |
| 10. 💵 Money-Back (Ch 4) |
| 11. 🥭 Papa's Mango Tree (Ch 5) |
| 12. ⚠️ Risk! |
| 13. ☕ Ganesh Tea Centre (Ch 6) |
| 14. 🛡 PMSBY (Ch 6) |
| 15. 💡 PMJJBY (Ch 6) |
| 16. 🏦 Bank Visit (Bonus) |
| 17. 🏥 Sankatmochan (Ch 7) |
| 18. 🍱 Cashless Counter (Ch 7) |
| 19. 📒 Reimbursement (Ch 7) |
| 20. 🩺 Ayushman Bharat (Ch 7) |
| 21. ⚠️ Risk! |
| 22. 🪖 Motor Workshop (Ch 8) |
| 23. 🚗 Type 1 / Type 2 (Ch 8) |
| 24. 🏠 Ramesh Uncle's Home (Ch 9) |
| 25. 🚂 Train Station (Ch 10) |
| 26. 🧳 Aditi's Lost Bag (Ch 10) |
| 27. ⚠️ Risk! |
| 28. 🌾 Keshav's Farm (Ch 11) |
| 29. ☔ PMFBY (Ch 11) |
| 30. ⭐ Real Heroes (Ch 13) |
| 31. 🏆 Ambassador's Pledge (FINISH) |
7Scoring rules — how coins work
Every player starts with 100 coins (Papa and Mummy get +250 bonus → 350).
Coin gains and losses
| Action | Junior | Senior |
|---|---|---|
| Correct answer | +100 | +150 |
| Correct (Meera bonus) | +130 | +180 |
| Wrong answer | −50 | −75 |
| Bonus square | +150 | +200 |
| Risk Card — protected | 0 lost | 0 lost |
| Risk Card — NOT protected | −50 to −500 | −50 to −500 |
| Lucky Risk Card | +100 to +250 | +100 to +250 |
Where do I see my score?
Your score is shown prominently at the top of the game screen in a big gold pill. Example: 🪙 250
Whenever your coins change:
- The number bumps bigger for a moment
- A small green +X or red −X floats upward from the score area
- So you always SEE the change happening in real time
• Coins never go below zero. Even if a Risk Card would push you below, your score stays at 0.
• Coins are persistent through the game — they only reset when you start a new game.
• Final coins = your leaderboard score.
8Insurance Cards
This is the heart of the educational mechanic. There are 6 types of Insurance Cards:
| Card | How to get it | What it protects |
|---|---|---|
| 🛡 LIFE | Chapters 2–5 squares | Foundation card — collected automatically as you walk through Chapter 1–5 squares |
| 🏥 HEALTH | Chapter 7 (Sankatmochan) | Hospital admission, family member ill |
| 🪖 MOTOR | Chapter 8 (Motor Workshop) | Bike accident, car broke down |
| 🏠 PROPERTY | Chapter 9 (Ramesh Uncle's Home) | House flooding |
| 🧳 TRAVEL | Chapter 10 (Train Station) | Bag lost on train |
| 🌾 CROP | Chapter 11 (Keshav's Farm) | Hailstorm hits crop |
How do I see my cards?
Your collected Insurance Cards are shown at the top of the game screen, just below your score, in a dashed-border box labelled "Insurance Cards:".
Each card appears as a green pill — for example, 🛡 Life 🏥 Health 🪖 Motor
How are they used?
Cards are used automatically. When you draw a Risk Card, the game checks: do you have the matching Insurance Card?
- YES → the game shows "🛡 PROTECTED!" and you lose 0 coins
- NO → you lose the coins shown. The game tells you which Insurance Card WOULD have protected you — a gentle teaching moment.
9Risk Cards
Risk squares (4 of them on the board) draw a random Risk Card. There are 13 possible cards — 10 misfortunes and 3 lucky surprises.
The 10 misfortune cards
| Card | Effect |
|---|---|
| 🌧 Sudden downpour | −₹50 (no protection) |
| 🏍 Bike accident! | −₹300 (Motor Insurance protects) |
| 🏥 Hospital admission! | −₹500 (Health Insurance protects) |
| 🌊 House flooding! | −₹300 (Property Insurance protects) |
| 🧳 Bag lost on train! | −₹150 (Travel Insurance protects) |
| 🌾 Hailstorm hits crop! | −₹400 (Crop Insurance protects) |
| ⚡ Power cut at home | No loss — just bad luck |
| 😷 Family member ill | −₹80 (Health reduces to −₹20) |
| 🚗 Car broke down! | −₹250 (Motor Insurance protects) |
| 📱 Phone broken! | −₹200 (no protection card) |
The 3 lucky cards
- 💰 Lucky surprise — Mummy gives you ₹100
- 🎁 Birthday gift — Papa gives you ₹150
- 🎓 Scholarship awarded — bonus ₹250
When a Risk Card hits and a student is NOT protected, the modal tells them: "−₹300 coins. (Could have been protected with 🪖 Motor Insurance!)"
Kids learn instantly: "Oh — I should have gotten that Motor Insurance card!" Next time they play, they pay closer attention to collecting all 6 cards. This is the entire point of insurance, demonstrated as gameplay.
10The leaderboard
Who's on the leaderboard?
Every player who finishes a game (reaches the Ambassador's Pledge) is added. The top 20 scores are kept, sorted highest first.
Where are scores saved?
Scores are saved IN THE BROWSER on the device the game is played on (called localStorage). This means:
- Scores persist even if you close the browser or restart the device
- Scores are private to that one device — they don't go to any server
- If you play on a different device, you start with a fresh leaderboard
- If you clear the browser's history/data, the leaderboard is erased
Rankings & medals
| Rank | Medal & title |
|---|---|
| #1 | 🥇 "#1 INSURANCE AMBASSADOR!" |
| #2 | 🥈 "Almost the top!" |
| #3 | 🥉 "Top 3!" |
| #4–10 | 🏆 "Top 10!" |
| #11+ | 🎓 "Great effort!" |
How to view the leaderboard anytime
From the title screen, tap the 🏆 Leaderboard button. You'll see the top 10 players on that device.
Designate ONE classroom computer or tablet as the "tournament device". Every student plays on the same device, one after the other. The leaderboard on that device becomes the class ranking. At the end of the week, top 3 students get a small prize or recognition.
11Deploying in schools — 4 ways
Option 1 — USB stick (simplest, works offline)
- Copy InsureTales_WaiTrail.html to a USB stick
- Plug the USB into a school computer
- Double-click the file — game opens
- After playing, unplug and use it on the next computer
Schools with limited or no internet. Rural schools. Computer labs where you don't need to bookmark anything online.
Option 2 — Google Drive link
- Upload the file to Google Drive
- Right-click → Get shareable link → set to Anyone with the link can view
- Share the link via WhatsApp, email, or QR code
- Students tap the link and download or open
Google Drive may prompt students to download the HTML file first. The first click opens the preview; tapping download and then opening it launches the game.
Option 3 — RNCT website
- Upload the HTML file to ratnanidhi.org/insure-tales-game/ (or similar URL)
- Add a button on the RNCT website: "Play the Insure Tales Game"
- Anyone visiting the website can click and play instantly
Mass distribution. Anyone with an internet connection can play. RNCT can also track number of plays via Google Analytics.
Option 4 — WhatsApp / Email
- Attach the HTML file to a WhatsApp or email message
- Send to teachers, parents, or directly to students
- Recipients tap the attachment → opens in browser
WhatsApp does not allow direct HTML attachments. Instead, send the Google Drive link OR put the file in a ZIP first.
12Teacher tips
The game works best when students have already read the chapters being tested. Use it as a reinforcement and assessment tool — not a substitute for the book.
Rotate the "tournament device" so every student gets at least 2 chances to play. Award the top 3 by week — but also give participation certificates to everyone who plays.
If you only have one computer + projector: one student plays at the front. The whole class watches and discusses each question before answering. Great for review sessions.
Two students share one device, taking turns. Each plays their own character — they compete head-to-head on a single device but track their scores separately.
Even Std 8–10 students benefit from playing Junior mode first to learn the mechanics. Move to Senior mode once they're scoring well in Junior.
Share the game with parents via WhatsApp. Encourage them to play it with their children at home — it sparks conversations about real insurance decisions in the family.
For a fresh leaderboard: open the game → press F12 (Developer Tools) → Console tab → type localStorage.clear() → Enter → reload the game.
13Troubleshooting
The game doesn't open
- Make sure you're double-tapping the HTML file, not a folder
- If asked "How do you want to open this file?", choose any web browser (Chrome, Firefox, Safari, Edge)
- On Android phones, install a file manager (like "Files by Google") to find the HTML file in your Downloads folder
Buttons don't respond
- The game uses touch/tap. On desktop, click with the mouse. On phone/tablet, tap with your finger.
- If a button looks faded/grey, you haven't filled in everything required (e.g. "Start the Trail" stays grey until you've entered name AND picked a character)
Text looks small on my phone
- The game is designed for vertical phones. If you turn sideways, text might shrink — rotate back to vertical.
- If still small, use the browser's built-in zoom (pinch the screen)
Leaderboard is wrong / I want to clear it
- Open the game in a browser
- Press F12 (on a computer) to open Developer Tools
- Click the Console tab
- Type: localStorage.clear()
- Press Enter
- Close and reopen the game — leaderboard is empty
Game runs slowly
- Unusual but can happen on very old phones. Close other apps to free up memory.
- Try a different browser (Chrome is usually fastest)
Pictures don't show
- The pictures are embedded inside the HTML file — they don't need internet
- If the file size is much smaller than 2 MB, pictures may have been stripped during download. Re-download the original file.
Game freezes on a question
- Refresh the browser tab (Ctrl+R on computer, swipe down on phone)
- Note: refreshing means losing current game progress, but leaderboard from previous games is preserved
Contact: [email protected]
Subject: "Insure Tales game — need help"
Include: device type (phone/tablet/PC), browser, and a brief description.