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Get quote​

Consumer Request

Request Body required
    typeOfQuote string required

    Possible values: <= 20 characters, [Single Quote, Multi-Quote]

    This will take values as 'Single Quote' or 'Multi-quote' and will help to identify the number of quote requests to be generated

    quoteCategory string required

    Possible values: <= 20 characters, [Premium, Sum Assured, Income]

    This field tells if the quoteAmount provided is a Sum Assured, or a Premium, or an Income.

    alternateFreqRequired string

    Possible values: <= 10 characters, [Yes, No]

    If the consumer wants payment frequency related multi-quote, this field should carry the values 'Yes' else 'No'. Example for frequency related multi-quote : If customer inputs premiumPaymentFrequency as 'Monthly', 'Quarterly', or 'Half-Yearly', then 1SB will provide premium for given as well as 'Yearly' frequency. If customer inputs premiumPaymentFrequency as 'Yearly', 1SB will provide premium for 'Yearly' as well as 'Monthly' frequency.

    outOfBoundConfig string

    Possible values: <= 10 characters, [Yes, No]

    If the distributor wants quotes for 'Out of Bound' cases, this field should carry the values 'Yes' else 'No'. Example for 'Out of Bound' case: If the customer inputs policyTerm as 40 but the product only allows max policyTerm as 30, 1SB will default the policyTerm to 30 and generate a quote indicating that policyTerm parameter is out of bound. Consumer App can showcase this quote to consumer to ensure that a particular product is not eliminated from listing.

    additionalSetup object

    This section will contain additional information regarding user and policy

    currency string

    Possible values: <= 5 characters, [AUD, NZD, USD, EUR, GBP, JPY, ZAR, CAD, CNY, ARS, BSD, BDT, BGN, BRL, CLP, KWD, COP, HRK, CZK, DKK, EGP, HKD, HUF, ISK, INR, IDR, ILS, KZT, KRW, CHF, MYR, MUR, MXN, NOK, PHP, PLN, QAR, RON, RUB, SAR, RSD, SGD, SEK, TWD, THB, TRY, UAH, VND, AED, MAD, PEN, UYU, OMR, BHD]

    Currency in which policy will be purchased

    userCountry string

    Possible values: <= 5 characters, [AF, AX, AL, DZ, AS, AD, AO, AI, AQ, AG, AR, AM, AW, AU, AT, AZ, BS, BH, BD, BB, BY, BE, BZ, BJ, BM, BT, BO, BQ, BA, BW, BV, BR, IO, BN, BG, BF, BI, CV, KH, CM, CA, KY, CF, TD, CL, CN, CX, CC, CO, KM, CG, CD, CK, CR, CI, HR, CU, CW, CY, CZ, DK, DJ, DM, DO, EC, EG, SV, GQ, ER, EE, SZ, ET, FK, FO, FJ, FI, FR, GF, PF, TF, GA, GM, GE, DE, GH, GI, GO, GR, GL, GD, GP, GU, GT, GG, GN, GW, GY, HT, HM, VA, HN, HK, HU, IS, IN, ID, IR, IQ, IE, IM, IL, IT, JM, JP, JE, JO, KZ, KE, KI, XK, KW, KG, LA, LV, LB, LS, LR, LY, LI, LT, LU, MO, MG, MW, MY, MV, ML, MT, MH, MQ, MR, MU, YT, MX, FM, MD, MC, MN, ME, MS, MA, MZ, MM, NA, NR, NP, NL, NC, NZ, NI, NE, NG, NU, NF, KP, MK, MP, NO, OM, PK, PW, PS, PA, PG, PY, PE, PH, PN, PL, PT, PR, QA, RE, RO, RU, RW, BL, SH, KN, LC, MF, PM, VC, WS, SM, ST, SA, SN, RS, SC, SL, SG, SX, SK, SI, SB, SO, ZA, GS, KR, SS, ES, LK, SD, SR, SJ, SE, CH, SY, TW, TJ, TZ, TH, TL, TG, TK, TO, TT, TN, TR, TM, TC, TV, UG, UA, AE, GB, UM, US, UY, UZ, VU, VE, VN, VG, VI, WF, EH, YE, ZM, ZW]

    Country of the user

    userRegion string

    Possible values: <= 30 characters

    Region (State or Province) of the user

    userLanguage string

    Possible values: <= 20 characters

    Language set by user on the consumer app

    userIP string

    Possible values: <= 20 characters

    User IP address

    userAgent string

    Possible values: <= 50 characters

    User's browser details

    userGeoLocation object

    Return a JSON object with latitude and longitude properties to point to location of user

    latitude string

    Possible values: <= 50 characters

    Latitude in Decimal degrees

    longitude string

    Possible values: <= 50 characters

    LOngitude in Decimal degrees

    distributor object required

    This section will give details of intermediary (Broker, corporate Agent or Bank acting as intermediary)

    distributorID string required

    Possible values: <= 20 characters

    Distributor ID assign to each consumer by 1SB

    agentId string required

    Possible values: <= 30 characters

    agent code. Eg. PoSP code or SP code provided by insurance company.

    salesChannel string

    Possible values: <= 20 characters, [Online, Others]

    This is used by insurance companies to identify sales channel.

    channelType string

    Possible values: <= 20 characters, [B2B, B2C]

    Indicates if the transaction is B2B or B2C.

    agentType string

    Possible values: <= 20 characters, [POSP, SP, BQP]

    Indicates if the agent type is POSP ,SP or BQP.

    varFields object[]
  • Array [
    • fieldName string

    Possible values: <= 50 characters

    Additional fields for distributor section

    fieldValue string

    Possible values: <= 50 characters

    Value of additional fields

  • ]
    • personalInformation object required

    Section to capture personal details of the life assured

    individualDetails object[] required

    This array will hold personal details of all life assured and proposer

  • Array [
    • memberType string required

    Possible values: <= 30 characters

    Indicates if the information is being captured for life assured or proposer.

    memberSequenceNumber integer required

    This is the sequence number to be assigned by consumer app to each member of IndividualDetail Array. This should be a unique value (greater than 0) for each member within each quote.

    title string

    Possible values: <= 30 characters, [Mr, Mrs, Ms]

    Title of Member.

    firstName string

    Possible values: <= 50 characters

    First Name of Member

    middleName string

    Possible values: <= 50 characters

    Middle Name of Member

    lastName string

    Possible values: <= 50 characters

    Last Name of Member

    gender string required

    Possible values: <= 15 characters, [Male, Female, Transgender, Others]

    Gender of Member.

    dateOfBirth string required

    Date of Birth of Member. Date is formatted string as per ISO 8601 standard. Format - YYYY-MM-DD

    age integer

    Possible values: <= 150 characters

    Age of Member

    maritalStatus string

    Possible values: <= 30 characters, [Married, Single]

    Marital status of Member.

    qualification string

    Possible values: <= 50 characters, [Post Graduate, Graduate, 12th, 10th, Diploma, Below 10th]

    Education of Member.

    occupation string

    Possible values: <= 50 characters, [Salaried, Self-Employed, Non-working]

    Occupation of Member.

    annualIncome number required

    Possible values: <= 15 characters

    Annual Income of Member. Existing earnings per year.

    email string

    Possible values: <= 100 characters

    Email ID of Member

    mobileNumber number

    Possible values: <= 10 characters

    Mobile number of Member

    tobacco string required

    Possible values: <= 10 characters, [No, Yes]

    Smoker/Non-Smoker status of Member

    relationWithFirstLifeAssured string

    Possible values: <= 30 characters

    Relationship of life assured with Proposer. example: Self, Spouse, mother, father etc. This field is mandatory for typeOfQuote= 'Single Quote'

    zipCode string required

    Possible values: <= 10 characters

    This is Pin code

    state string

    Possible values: <= 30 characters, [ANDAMAN AND NICOBAR, ANDHRA PRADESH, ARUNACHAL PRADESH, ASSAM, BIHAR, CHANDIGARH, DADRA AND NAGAR, DAMAN AND DIU, DELHI, GOA, GUJARAT, HIMACHAL PRADESH, JAMMU AND KASHMIR, KERALA, LAKSHADWEEP, MAHARASHTRA, MANIPUR, MEGHALAYA, NAGALAND, ORISSA, PUNJAB, RAJASTHAN, SIKKIM, TRIPURA, UTTAR PRADESH, JHARKHAND, UTTARAKHAND, TELANGANA, NOST, HARAYANA, KARNATAKA, MADHYA PRADESH, MIZORAM, PONDICHERRY, TAMIL NADU, WEST BENGAL, CHHATTISGARH]

    State of Member

    city string

    Possible values: <= 50 characters

    City of Member

    quoteAmount number

    Possible values: <= 15 characters

    Amount based on Quote Category. Can be the amount corresponding to Sum Assured and Premium for the person insured. In case quoteCategory is Income, then the amount should be captured under DBPOption incomeAmount. This field is mandatory for typeOfQuote = 'Single quote' and 'memberType = '1' (Life assured)

    riderDetails object[]

    Rider array to capture details of multiple riders for each insured

  • Array [
    • riderCode string

    Possible values: <= 20 characters

    riderCode to identify the rider selected

    riderTerm integer

    Possible values: <= 150 characters

    Policy Term of the rider

    riderPremiumPayingTerm integer

    Possible values: <= 150 characters

    Premium Paying Term of the rider

    riderSA number

    Possible values: <= 20 characters

    Sum Assured pertaining to the rider

    varFields object[]
  • Array [
    • fieldName string

    Possible values: <= 50 characters

    Additional fields for rider array

    fieldValue string

    Possible values: <= 50 characters

    Value of additional fields

  • ]
  • ]
    • varFields object[]
  • Array [
    • fieldName string

    Possible values: <= 50 characters

    Additional fields for individualDetails array

    fieldValue string

    Possible values: <= 50 characters

    Value of additional fields

  • ]
  • ]
    • product object required
    productType string required

    Possible values: <= 30 characters

    This gives Line of Business or similar products put in one group. Distributor can provide generic LOB and 1SB can pick in relevant products while creating request for Manufacturer

    insuranceAndProducts object[]

    Array to capture multiple insurance company codes and their specific product codes. This also allows the consumer to ask for quotes for a specific product of a specific company(s).

  • Array [
    • insuranceCompanyCode string

    Possible values: <= 15 characters

    This is to provide quotes from selected companies. This field is mandatory for typeOfQuote= 'Single Quote'

    productCode string[]

    Option for distributor to ask for quotes for specific products only. This field is mandatory for typeOfQuote= 'Single Quote'

  • ]
    • savingsProductType string[] required

    Possible values: [nonParticipating, Participating, ULIP]

    This field will help to filter savings products between participating, nonParticipating and ULIP. If no input is sent in this field, 1SB will respond with all products savings products available mentioned in insuranceAndProducts array

    policyTerm integer

    Policy term is the period within which a policy remains active and offers protection/benefits. This field is mandatory for typeOfQuote= 'Single Quote'

    policyTermUnit string

    Possible values: <= 15 characters

    This is a futuristic field to allow policy term to be in days or months.

    premiumPaymentOption string

    Possible values: <= 20 characters, [1, 2, 3]

    (Send 1 for Single pay, 2 for Regular pay, 3 for Limited pay). This field is mandatory for typeOfQuote= 'Single Quote'. With single Pay option, you have the option to pay the premium for the entire policy term at once as a lump-sum amount. In Regular Pay option, the premium paying term is the same as the Policy Term chosen. With Limited Pay option, the premium is paid for a limited number of years which is less than the policy term.

    premiumPaymentTerm integer

    Possible values: <= 150 characters

    Premium paying term is the total period (number of years or months) for which a policyholder has to pay premium, for a life policy. This field is mandatory for typeOfQuote= 'Single Quote'

    premiumPaymentFrequency string

    Possible values: <= 15 characters, [M, Q, HY, Y, S]

    This is defined as the number of times during the policy year that you need to pay premiums. Frequency options are typically annual, semi-annual, quarterly and monthly. This field is mandatory for typeOfQuote= 'Single Quote'

    planOption object

    Possible values: <= 50 characters

    Plan option selected and its details.

    OptionSelected string

    ID of the Plan Option selected. This field is mandatory for typeOfQuote = 'Single Quote' if a plan exists for the product selected.

    varFields object[]

    Other fields to be captured for plan option selected

  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for planOption section

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
    • coverOption object required

    This section will tell what kind of Sum Assured is Opted for and its attributes if any. Level Sum Assured means that the Sum Assured remains the same throughout the policy term. Increasing or Decreasing Sum Assured means that the Sum Assured will increase or decrease through the years during the policy term

    OptionSelected string

    Possible values: <= 50 characters

    ID of Cover Option selected. This field is mandatory for typeOfQuote= 'Single Quote'

    SAChangePercent number

    In case an increasing or decreasing Sum Assured cover option is selected, this field will capture the percentage change (increase or decrease) on Sum Assured

    varFields object[]
  • Array [
    • fieldName string

    Possible values: <= 50 characters

    Additional fields for coverOption array

    fieldValue string

    Possible values: <= 50 characters

    Value of additional fields

  • ]
    • DBPoption object required

    This section tells how the death benefit should be paid out and additional details regarding it. Lumpsum means the entire amount is paid in one go. Income means the death benefit amount will be paid out as an income for a specific period. Combination of Lumpsum and Income can also be chosen as per availability under the product. This field is mandatory for typeOfQuote= 'Single Quote'

    OptionSelected string

    Possible values: <= 30 characters

    Death Benefit Payout Option selected.

    lumpsumPayoutPercent number

    Possible values: <= 1000 characters

    This field refers to the percentage of death benefit amount to be paid out as lumpsum. Rest of the amount will be usually paid as an income.

    lumpsumAmount number

    Possible values: <= 15 characters

    The amount paid out as lumpsum will be captured in this field

    incomeAmount number

    Possible values: <= 15 characters

    This field will capture the amount of the income payout. A product can have a predefined value or product may give this as a choice to the customer

    incomeFrequency string

    Possible values: <= 30 characters

    This field will capture the frequency of the income payout. A product can have a predefined value or product may give this as a choice to the customer

    incomeTerm integer

    This field will capture the term of the income payout. A product can have a predefined value or product may give this as a choice to the customer

    incomeTermUnit string

    Possible values: <= 15 characters

    This field will capture the unit of the income payout term. A product can have a predefined value or product may give this as a choice to the customer

    incomeIncreasingPercent integer

    Possible values: <= 100 characters

    If the death benefit payout is in the form of an increasing income, then the percentage of increase will be captured here

    varFields object[]
  • Array [
    • fieldName string

    Possible values: <= 50 characters

    Additional fields for DBPOption section

    fieldValue string

    Possible values: <= 50 characters

    Value of additional fields

  • ]
    • AddOnSection object required
    returnOfPremium object
    returnOfPremiumPercentage integer

    If the Return of Premium option is opted then, send the percentage of total premiums paid that the customer wants to receive as return of premium. If customer doesnt want to opt for Return of Premium then consumer should send value as 0. This field is mandatory for 'Single Quote'

    varFields object[]
  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for returnOfPremium section

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
    • AddOns object[]
  • Array [
    • OptionSelected string

    Possible values: <= 20 characters

    AddOn Option selected

    addOnSumAssured number

    Possible values: <= 15 characters

    Sum assured corresponding to selected Option

    varFields object[]

    Other fields to be captured for AddOn benefits selected

  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for AddOnBenefits section

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
  • ]
    • suitability object required
    isSuitabilityDone string required

    Possible values: <= 10 characters, [Yes, No]

    This tag is for end consumer to bypass the suitability matrix

    riskProfileOfProposer string required

    Possible values: <= 15 characters

    Select your risk taking preference

    lifeStageOfProposer string required

    Possible values: <= 20 characters

    Provide the lie stage where this policy is being taken for

    goalsOfProposer string required

    Possible values: <= 20 characters

    What is the Goal for taking this Policy

    varFields object[] required

    Other fields to be captured for suitability section

  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for suitability section

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
    • maturityBenefit object required

    This section tells how should the maturity be paid out and additional details regarding it

    OptionSelected string required

    Possible values: <= 20 characters

    Maturity Benefit Payout Option selected

    lumpsumAmount number required

    Possible values: <= 15 characters

    The amount paid out as lumpsum will be captured in this field

    lumpsumPayoutYear integer required

    Possible values: <= 5 characters

    This field will carry the number of years after which lumpsum will be paid out after policy inception

    lumpsumPayoutPercent integer required

    Possible values: <= 3 characters

    This field refers to the percentage of death benefit amount to be paid out as lumpsum. Rest of the amount will be usually paid as an income.

    incomeAmount number required

    Possible values: <= 15 characters

    The amount paid out as income will be captured in this field

    incomeStartYear number required

    Possible values: <= 10 characters

    This field will carry the number of years after policy inception, after which income pay out will start

    incomeFrequency string required

    Possible values: <= 15 characters

    The frequency at which income will be paid out.

    incomeTerm integer required

    Possible values: <= 5 characters

    The duration for which the income will be paid out

    incomeTermUnit string required

    Possible values: <= 15 characters

    This field tells if the incomeTerm is in months, years, etc

    varFields undefined[] required
  • Array [
    • fieldName string

    Possible values: <= 50 characters

    Additional fields for distributor section

    fieldValue string

    Possible values: <= 50 characters

    Value of additional fields

  • ]
    • riderInformation object required

    Rider section to hold all rider related details

    riderDetails object[]

    Rider array to capture details of multiple riders

  • Array [
    • riderCode string

    Possible values: <= 20 characters

    riderCode to identify the rider selected

    riderTerm integer

    Possible values: <= 150 characters

    Policy Term of the rider

    riderPremiumPayingTerm integer

    Possible values: <= 150 characters

    Premium Paying Term of the rider

    riderSA number

    Possible values: <= 20 characters

    Sum Assured pertaining to the rider

    varFields object[]
  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for rider array

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
  • ]
    • newOptions object required

    Array created to capture any new type of option which may be introduced in the future.

    newOptionName string required

    Possible values: <= 100 characters

    Field will identify which type of option this is

    optionValues object[] required

    This array will contain the details for various options available for each newOptionName

  • Array [
    • OptionSelected string

    For each type of option, this will contain the value of Option selected

    varFields object[]

    Array to capture attributes of the option selected.

  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for newOption array

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
  • ]
    • varFields object[] required
  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for product section

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
    • other object
    keyFeatureDocLanguage required

    Possible values: <= 30 characters

    Key Feature Document is a document which captures the details of the Insurance Product in simple language as required by the regulator and is usually 'shared with the customer along with Business Illustration. This field captures the language in which this document should be.

    varFields object[] required
  • Array [
    • fieldName string

    Possible values: <= 100 characters

    Additional fields for other section

    fieldValue string

    Possible values: <= 100 characters

    Value of additional fields

  • ]
Responses

Consumer Response

Schema
    reqId string required

    Request Id for the quote assigned by 1SB

    data object required

    Section to carry quote acknowledgement. Quote details are returned via the Quote Poll API.

    quote object nullable

    Always null in the Get Quote response. Use the Quote Poll API with reqId to retrieve quotes.

    journey_id string

    Journey Id assigned by 1SB for the quote journey

    errors object

    Error details in case of an error

    errorCode string

    Possible values: <= 50 characters

    In case error occurs, the error code will be stored here

    errorMessage string

    Possible values: <= 100 characters

    In case error occurs, the error message will be stored here

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