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This section outlines the recommended API requests sequence to be used when making requests. It covers the full policy lifecycle from authentication, quote creation, data enrichment, calculation, validation, policy issuance, to termination and MTAs (Mid-Term Adjustments).

1. Authentication

User logs in to receive a bearer token used in all subsequent requests.
Purpose: Retrieve bearer token for further authorization.

2. Create Quote

Initializes a quote using customer and insured item data.
Purpose: Create a new insurance quote.

3. Calculate Premium

Returns total period premium based on input data.
Purpose: Fetch calculated premiums.

4. Check Quote Readiness

Returns available next actions or processing status.
Purpose: Confirm that quote processes are complete.

5. Fetch Full Quote Details

Returns all data including customer, products, and pricing.
Purpose: Retrieve complete quote information.

6. Update Quote

Enables updates to customer, insured item, and policy parameters.
Purpose: Modify data in the quote.

7. Recalculate Quote

Recalculates quote after updates with the latest input.
Purpose: Re-run premium calculations.

8. Generate Quote Documents

Generates the main document and additional quote files.
Purpose: Create PDF documents for the quote.

9. Bind Quote

Binds the quote to preserve conditions until issuing.
Purpose: Lock the quote terms and premiums.

10. Issue Policy

Triggers the issuance process and returns a tracking request ID.
Purpose: Issue the policy from a bound quote.

11. Check Policy Issue Status

Checks whether the policy is successfully issued or still pending.
Purpose: Poll for the policy issuing status.

12. Get Policy Data

Returns latest policy version including all fields and documents.
Purpose: Fetch the full policy details.

13. Terminate Policy

Terminates the policy with provided reason and termination type.
Purpose: End an active policy.

14. Start Mid-Term Adjustment (MTA)

Starts an MTA process and creates a new quote based on the current policy.
Purpose: Initiate changes to an existing policy.

15. Continue MTA Flow

Involves readiness check, update, recalculation, binding, and issuing.
Purpose: Proceed with the same steps as issuing a new quote.


Notes

  • All steps require authentication with a valid bearer token.
  • Mandatory headers must include x-tenant-id and Content-Type: application/json; charset=UTF-8.
  • Quote must be ready before update, bind, or issue actions can proceed.

For a better understanding of the sequence of API calls required for generating and managing policies, refer to the flow diagram and sequence diagram below:

Sequence diagram

quote and policy flow