Get quote
Consumer Request
Request Body required
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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
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.
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.
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
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
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
Possible values: <= 30 characters
Region (State or Province) of the user
Possible values: <= 20 characters
Language set by user on the consumer app
Possible values: <= 20 characters
User IP address
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
Possible values: <= 50 characters
Latitude in Decimal degrees
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)
Possible values: <= 20 characters
Distributor ID assign to each consumer by 1SB
Possible values: <= 30 characters
agent code. Eg. PoSP code or SP code provided by insurance company.
Possible values: <= 20 characters, [Online, Others]
This is used by insurance companies to identify sales channel.
Possible values: <= 20 characters, [B2B, B2C]
Indicates if the transaction is B2B or B2C.
Possible values: <= 20 characters, [POSP, SP, BQP]
Indicates if the agent type is POSP ,SP or BQP.
varFields object[]
Possible values: <= 50 characters
Additional fields for distributor section
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
Possible values: <= 30 characters
Indicates if the information is being captured for life assured or proposer.
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.
Possible values: <= 30 characters, [Mr, Mrs, Ms]
Title of Member.
Possible values: <= 50 characters
First Name of Member
Possible values: <= 50 characters
Middle Name of Member
Possible values: <= 50 characters
Last Name of Member
Possible values: <= 15 characters, [Male, Female, Transgender, Others]
Gender of Member.
Date of Birth of Member. Date is formatted string as per ISO 8601 standard. Format - YYYY-MM-DD
Possible values: <= 150 characters
Age of Member
Possible values: <= 30 characters, [Married, Single]
Marital status of Member.
Possible values: <= 50 characters, [Post Graduate, Graduate, 12th, 10th, Diploma, Below 10th]
Education of Member.
Possible values: <= 50 characters, [Salaried, Self-Employed, Non-working]
Occupation of Member.
Possible values: <= 15 characters
Annual Income of Member. Existing earnings per year.
Possible values: <= 100 characters
Email ID of Member
Possible values: <= 10 characters
Mobile number of Member
Possible values: <= 10 characters, [No, Yes]
Smoker/Non-Smoker status of Member
Possible values: <= 30 characters
Relationship of life assured with Proposer. example: Self, Spouse, mother, father etc. This field is mandatory for typeOfQuote= 'Single Quote'
Possible values: <= 10 characters
This is Pin code
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
Possible values: <= 50 characters
City of Member
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
Possible values: <= 20 characters
riderCode to identify the rider selected
Possible values: <= 150 characters
Policy Term of the rider
Possible values: <= 150 characters
Premium Paying Term of the rider
Possible values: <= 20 characters
Sum Assured pertaining to the rider
varFields object[]
Possible values: <= 50 characters
Additional fields for rider array
Possible values: <= 50 characters
Value of additional fields
varFields object[]
Possible values: <= 50 characters
Additional fields for individualDetails array
Possible values: <= 50 characters
Value of additional fields
product object 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).
Possible values: <= 15 characters
This is to provide quotes from selected companies. This field is mandatory for typeOfQuote= 'Single Quote'
Option for distributor to ask for quotes for specific products only. This field is mandatory for typeOfQuote= 'Single Quote'
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
Policy term is the period within which a policy remains active and offers protection/benefits. This field is mandatory for typeOfQuote= 'Single Quote'
Possible values: <= 15 characters
This is a futuristic field to allow policy term to be in days or months.
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.
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'
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.
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
Possible values: <= 100 characters
Additional fields for planOption section
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
Possible values: <= 50 characters
ID of Cover Option selected. This field is mandatory for typeOfQuote= 'Single Quote'
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[]
Possible values: <= 50 characters
Additional fields for coverOption array
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'
Possible values: <= 30 characters
Death Benefit Payout Option selected.
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.
Possible values: <= 15 characters
The amount paid out as lumpsum will be captured in this field
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
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
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
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
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[]
Possible values: <= 50 characters
Additional fields for DBPOption section
Possible values: <= 50 characters
Value of additional fields
AddOnSection object required
returnOfPremium object
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[]
Possible values: <= 100 characters
Additional fields for returnOfPremium section
Possible values: <= 100 characters
Value of additional fields
AddOns object[]
Possible values: <= 20 characters
AddOn Option selected
Possible values: <= 15 characters
Sum assured corresponding to selected Option
varFields object[]
Other fields to be captured for AddOn benefits selected
Possible values: <= 100 characters
Additional fields for AddOnBenefits section
Possible values: <= 100 characters
Value of additional fields
suitability object required
Possible values: <= 10 characters, [Yes, No]
This tag is for end consumer to bypass the suitability matrix
Possible values: <= 15 characters
Select your risk taking preference
Possible values: <= 20 characters
Provide the lie stage where this policy is being taken for
Possible values: <= 20 characters
What is the Goal for taking this Policy
varFields object[] required
Other fields to be captured for suitability section
Possible values: <= 100 characters
Additional fields for suitability section
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
Possible values: <= 20 characters
Maturity Benefit Payout Option selected
Possible values: <= 15 characters
The amount paid out as lumpsum will be captured in this field
Possible values: <= 5 characters
This field will carry the number of years after which lumpsum will be paid out after policy inception
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.
Possible values: <= 15 characters
The amount paid out as income will be captured in this field
Possible values: <= 10 characters
This field will carry the number of years after policy inception, after which income pay out will start
Possible values: <= 15 characters
The frequency at which income will be paid out.
Possible values: <= 5 characters
The duration for which the income will be paid out
Possible values: <= 15 characters
This field tells if the incomeTerm is in months, years, etc
varFields undefined[] required
Possible values: <= 50 characters
Additional fields for distributor section
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
Possible values: <= 20 characters
riderCode to identify the rider selected
Possible values: <= 150 characters
Policy Term of the rider
Possible values: <= 150 characters
Premium Paying Term of the rider
Possible values: <= 20 characters
Sum Assured pertaining to the rider
varFields object[]
Possible values: <= 100 characters
Additional fields for rider array
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.
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
For each type of option, this will contain the value of Option selected
varFields object[]
Array to capture attributes of the option selected.
Possible values: <= 100 characters
Additional fields for newOption array
Possible values: <= 100 characters
Value of additional fields
varFields object[] required
Possible values: <= 100 characters
Additional fields for product section
Possible values: <= 100 characters
Value of additional fields
other object
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
Possible values: <= 100 characters
Additional fields for other section
Possible values: <= 100 characters
Value of additional fields
- 200
- 400
- 500
Consumer Response
Schema
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Request Id for the quote assigned by 1SB
errors object[]
This array contains error messages in case of an error
Possible values: <= 50 characters
In case error occurs, the error code will be stored here
Possible values: <= 100 characters
In case error occurs, the error message will be stored here
Possible values: <= 20 characters
In case error occurs, the error message will be stored here
Possible values: <= 100 characters
In case error occurs, the error message will be stored here
Possible values: <= 10 characters
In case error occurs, the error message will be stored here
data object required
Section to carry quote responses
quote object[] required
The array will contain all details for various products, like premiums, income, sum assured, rider details etc.
insuranceAndProducts object
Section to hold details of insurance company and the product for which the following details are provided
Possible values: <= 15 characters
This code identifies the insurance company for which quote is given.
Possible values: <= 30 characters
This gives Line of Business of the product for which quote is generated.
Possible values: <= 15 characters
This field carries the productCode of the product for which quote is generated.
Possible values: <= 50 characters
This gives the Name of the product selected
Possible values: [nonParticipating, Participating, ULIP]
This field will help to filter savings products between participating and nonParticipating. If no input is sent in this field, 1SB will respond with all products savings products available mentioned in insuranceAndProducts array.
productDetails object
Section to hold details regarding product parameters
Possible values: <= 100 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.
Possible values: <= 1500 characters
Policy term is the period within which a policy remains active and offers protection/benefits
Possible values: <= 15 characters
This is a futuristic field to allow policy term to be in days or months.
Possible values: <= 15 characters
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.
Possible values: <= 20 characters, [1, 2, 3]
(1 stands for Single pay, 2 stands for Regular pay, 3 stands for Limited pay). 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.
Possible values: <= 20 characters, [Suitable, Not Suitable]
planOption object required
Plan option selected and its details
Possible values: <= 50 characters
ID of the Plan Option selected
varFields object[]
Other fields to be captured for plan option selected
Possible values: <= 100 characters
Additional fields for planOption section
Possible values: <= 100 characters
Value of additional fields
CoverOption object required
Cover option selected and its details
Possible values: <= 50 characters
ID of the Cover Option selected
varFields object[]
Other fields to be captured for cover option selected
Possible values: <= 100 characters
Additional fields for coverOption section
Possible values: <= 100 characters
Value of additional fields
DBPoption object required
Death Benefit Payout option selected and its details
Possible values: <= 50 characters
ID of the Death Benefit Payout Option selected
Possible values: <= 80 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.
The amount paid out as lumpsum will be captured in this field
This field refers to the percentage of death benefit amount to be paid out as income. Rest of the amount will be usually paid as a lumpsum.
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
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
Possible values: <= 30 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
Possible values: <= 15 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
varFields object[]
Other fields to be captured for DBP option selected
Possible values: <= 100 characters
Additional fields for DBPOption section
Possible values: <= 100 characters
Value of additional fields
AddOnSection object required
Section to capture all add on related information
returnOfPremium object required
Sub-section for return of premium details
% of total premiums paid to be received as return of premium
AddOns object[] required
This array will hold details of addons selected
Possible values: <= 50 characters
ID of the Addon selected
Sum assured corresponding to selected Option
Possible values: <= 10 characters
Value of 'Yes' in this flag indicates that the addOn premium is included in the individual death benefit premium and the below premium fields will not be populated and premiums fields will not be present. If 'No' then the addOn specific premium is provided in below premium fields.
Possible values: <= 10 characters
Value of 'Yes' in this flag indicates that the addOn is included/inbuilt in the product and customer doesnt get a choice to remove the addon (it will be selected by default in the product). Value 'No' indicates that the addon is optional to choose and customer can decide if they want to opt for the addon.
Possible values: <= 10 characters
Value of 'Yes' in this flag indicates that the addOn i is always mandatory when selecting a certain product. Customer doesn't get an option to opt out of this option
premiumDetails object[]
premiumDetails array will capture premium for different modes. This array will hold values only premium split between addons is available
Possible values: <= 15 characters
Mode is the premium payment frequency.
The premium value excluding taxes.
tax object[]
Tax array will help to capture multiple taxes applicable for each premium
Possible values: <= 30 characters
Tax code will help to identify the type of tax.
Possible values: <= 50 characters
Description of the tax
Tax amount as per tax code
Tax percentage
This field gives the sum of all applicable taxes.
The premium value including taxes.
varFields object[]
Other fields to be captured for AddOnSelected array
Possible values: <= 100 characters
Additional fields for AddOnSelected array
Possible values: <= 100 characters
Value of additional fields
maturityBenefit object[] required
Section to capture maturity benefit related information
Possible values: <= 50 characters
ID of option selected
Possible values: <= 50 characters
Name of the Addon selected
Possible values: <= 300 characters
This field will carry the Description about the option selected above
guaranteedBenefitDetails object[]
All guaranteed benefits will be added in this array
Possible values: <= 15 characters
This field will help UI to identify if the benefit will be a lumpsum or income.
Possible values: <= 10 characters
This field will carry the name of the benefit as per the product / manufacturer
Possible values: <= 300 characters
A short description of the benefit.
Possible values: <= 15 characters
The amount paid out as lumpsum will be captured in this field
Possible values: <= 15 characters
This field will carry the number of years after which lumpsum will be paid out after policy inception
Possible values: <= 15 characters
The amount paid out as income will be captured in this field
Possible values: <= 10 characters
The frequency at which income will be paid out
Possible values: <= 15 characters
This field will carry the number of years after policy inception, after which income pay out will start
The duration for which the income will be paid out.
Possible values: <= 15 characters
This field tells if the incomeTerm is in months, years, etc.
varFields object[]
Possible values: <= 100 characters
Additional fields for guaranteedBenefitDetails array.
Possible values: <= 100 characters
Additional fields for guaranteedBenefitDetails array.
nonguaranteedBenefitDetails object[]
All nonguaranteed benefits will be added in this array
Possible values: <= 10 characters
This field will help UI to identify if the benefit will be a lumpsum or income.
Possible values: <= 10 characters
This field will carry the name of the benefit as per the product / manufacturer
Possible values: <= 300 characters
A short description of the benefit.
benefitAmounts object[]
This array will capture the benefit amount with respect to various returns percent as mandated by IRDAI (example: 4% and 8%)
Possible values: <= 15 characters
Only applicable for nonGuaranteed benefits. This will tell at what percentage return is below benefit amount mentioned. (example: 4%, 8%)
Possible values: <= 15 characters
The amount paid out as lumpsum will be captured in this field.
Possible values: <= 15 characters
This field will carry the number of years after which lumpsum will be paid out after policy inception
Possible values: <= 15 characters
The amount paid out as income will be captured in this field
Possible values: <= 10 characters
The frequency at which income will be paid out.
Possible values: <= 15 characters
This field will carry the number of years after policy inception, after which income pay out will start
Possible values: <= 10 characters
The duration for which the income will be paid out.
Possible values: <= 15 characters
This field tells if the incomeTerm is in months, years, etc.
varFields object[]
Possible values: <= 100 characters
Additional fields for guaranteedBenefitDetails array
Possible values: <= 100 characters
Value of additional fields
totalMaturityBenefit object[]
Possible values: <= 15 characters
Possible values: <= 15 characters
This field will contain returns as a multiple of the total premiums paid. example: Returns are 2.2X of the total premiums paid.
Possible values: <= 15 characters
Total guaranteed maturity benefit amount in the form of income , i.e sum of total income amount paid in all the income term in all guaranteed income
Possible values: <= 15 characters
Total non-guaranteed maturity benefit amount in the form of income, i.e sum of total income amount paid in all the income term in all non-guaranteed income
Possible values: <= 15 characters
Sum of total guaranteed maturity benefit amount in the form of lumpsum
Possible values: <= 15 characters
sum of total non-guaranteed maturity benefit amount in the form of lumpsum
varFields object[]
Possible values: <= 100 characters
Additional fields for guaranteedBenefitDetails array
Possible values: <= 100 characters
Value of additional fields
varFields object[]
Other fields to be captured for ROP option selected
Possible values: <= 100 characters
Additional fields for Return of Premium section
Possible values: <= 100 characters
Value of additional fields
newOptions object[]
Array created to capture any new type of option which may be introduced in the future.
Possible values: <= 100 characters
Field will identify which type of option this is
optionValues object[]
This array will contain the details for various options available for each newOptionName
Possible values: <= 50 characters
For each type of option, this will contain the value of Option selected
varFields object[]
Array to capture attributes of the new Option selected.
Possible values: <= 100 characters
Additional fields for newOption array
Possible values: <= 100 characters
Value of additional fields
rider object[]
Rider array will capture all the details for various riders under product section
Possible values: <= 15 characters
Rider code will help to identify the rider.
Policy term for rider
Premium paying term of rider
Sum assured for rider
premiumDetails object[]
This array will contain rider premium and tax details for various modes of payment for the corresponding premium code.
Possible values: <= 15 characters
Mode is the premium payment frequency.
The rider premium value excluding taxes.
tax object[]
Tax array will help to capture multiple taxes applicable for each rider premium
Possible values: <= 30 characters
Tax code will help to identify the type of tax.
Possible values: <= 50 characters
Description of the tax
Tax amount as per tax code
Tax percentage
This field gives the sum of all applicable taxes.
The rider premium value including taxes.
varFields object[]
Array to capture attributes of the rider
Possible values: <= 100 characters
Additional fields for rider section
Possible values: <= 100 characters
Value of additional fields
individualDetails object[]
This array will hold personal details of each life assured
Possible values: <= 100 characters
Unique sequence number of member as by provided in request.
Possible values: <= 100 characters
Age of the member
Possible values: <= 100 characters
The sum assured amount is captured here.
premiumDetails object[]
This array will contain premium and tax details for various modes of payment for the corresponding premium code.
Possible values: <= 15 characters
Mode is the premium payment frequency.
The premium value excluding taxes.
tax object[]
Tax array will help to capture multiple taxes applicable for each premium
Possible values: <= 30 characters
Tax code will help to identify the type of tax.
Possible values: <= 50 characters
Description of the tax
Tax amount as per tax code
Tax percentage
This field gives the sum of all applicable taxes.
The premium value including taxes.
rider object[]
Rider array will capture all the details for various riders at individual level
Possible values: <= 15 characters
Rider code will help to identify the rider.
Policy term for rider
Premium paying term of rider
Sum assured for rider
premiumDetails object[]
This array will contain rider premium and tax details for various modes of payment for the corresponding premium code.
Possible values: <= 15 characters
Mode is the premium payment frequency.
The rider premium value excluding taxes.
tax object[]
Tax array will help to capture multiple taxes applicable for each rider premium
Possible values: <= 30 characters
Tax code will help to identify the type of tax.
Possible values: <= 50 characters
Description of the tax
Tax amount as per tax code
Tax percentage
This field gives the sum of all applicable taxes.
The rider premium value including taxes.
varFields object[]
Array to capture attributes of the rider
Possible values: <= 100 characters
Additional fields for rider section
Possible values: <= 100 characters
Value of additional fields
varFields object[]
Other fields to be captured for individualDetails array
Possible values: <= 100 characters
Additional fields for individualDetails array
Possible values: <= 100 characters
Value of additional fields
totalPremiumDetails object[]
Total premium Details array will capture premium of product , Addon and Riders. This array will hold values only premium split between addons is available. Applicable only for Single Quote
Possible values: <= 30 characters
The premium value excluding taxes.
Possible values: <= 30 characters
This field gives the sum of all applicable premium value excluding taxes for all the Addon.
Possible values: <= 30 characters
This field gives the sum of all applicable premium value excluding taxes for all the Rider.
Possible values: <= 30 characters
Tax amount as per tax code
Possible values: <= 30 characters
This field gives the sum of all applicable Tax amount as per tax code for all the Addon
Possible values: <= 30 characters
This field gives the sum of all applicable Tax amount as per tax code for all the Rider
Possible values: <= 30 characters
This field gives the sum of all applicable taxes.
Possible values: <= 30 characters
This field gives the sum of all applicable Premium excluding taxes.
Possible values: <= 30 characters
This field gives the sum of all applicable Premium including taxes.
varFields object[]
Variable array to hold any other parameters in supporting data section.
Possible values: <= 100 characters
Name of the variable field. This array will hold multiple values.
Possible values: <= 100 characters
This will specify if the parameter will have a single value or multiple values (array).
fieldValue object[]
Array for capturing values
Possible values: <= 150 characters
Value of additional parameter
supportingData object
This section will capture the additional supporting data for the product that consumer app can use for managing product related information on consumer UI.
validRanges object required
This section will contain the valid ranges of various parameters allowed for the product based on age.
PremiumPayingTerm object[]
Array for holding valid premium paying term values
Valid Premium Paying Term values
SumAssured object
Section for holding valid Sum Assured values
Possible values: <= 15 characters
Valid minimum Sum assured value
Possible values: <= 15 characters
Valid maximum Sum assured value
Possible values: <= 15 characters
Sum assured can only be a multiple of this value
PolicyTerm object
Section for holding valid Policy Term values
Possible values: <= 150 characters
Valid minimum Policy Term value
Possible values: <= 150 characters
Valid maximum Policy Term value
varFields object[]
Variable array to hold any other parameters.
Possible values: <= 50 characters
Name of the variable field. This array will hold multiple values.
Possible values: <= 50 characters
This will specify if the parameter will have a single value or multiple values (array).
fieldValue object[]
Array for capturing values
Possible values: <= 150 characters
Value of additional parameter
invalidFeatureCombinations object[]
This array will capture all the combinations of options that are not allowed together.
Combo object[]
Array of values
Possible values: <= 100 characters
This will indicate if the field belongs to individual or product sections. Valid values are 'individualDetails', 'productDetails'.
Possible values: <= 100 characters
Sequence number of member. This will carry value when fieldLevel is 'individualDetails'
Possible values: <= 100 characters
This will indicate if the field is an 'option' or a 'rider'
Possible values: <= 150 characters
If fieldType is 'option' then this field will carry optionID, if fieldType is 'rider' then this field will carry value of rider product code.
outOfRangeDetails object[]
If the customer provides an input which is out of bound of product boundary conditions, 1SB will still provide a quote by changing the parameter. This array will indicate which parameter was out of bound and changed by 1SB to generate a valid quote.
Possible values: <= 100 characters
This will indicate if the field belongs to individual or product sections. Valid values are 'individualDetail', 'productDetails'
Possible values: <= 100 characters
Sequence number of member. This will carry value when fieldLevel is 'individualDetails'
Possible values: <= 100 characters
This will indicate if the field is an 'option' or a 'rider'
Possible values: <= 100 characters
If fieldType is 'option' then this field will carry optionID, if fieldType is 'rider' then this field will carry value of rider product code.
Possible values: <= 100 characters
The name of the json field (parameter) which was out of range will be captured here. Example: product allows policy term only till 75 but customer has selected policy Term as 80. 1SB will default the policy term to 75 and send a quote. The name of the changed out of range parameter, 'policyTerm' in this case will be present in this field
Messages object required
All product related messages will be captured in this section
Possible values: <= 100 characters
Type of medical which is applicable as per the customers age
Possible values: <= 100 characters
Claim settlement ratio of the insurance company
Possible values: <= 100 characters
Claim settlement TAT of the insurance company
Possible values: <= 5000 characters
All product features will be shared via this field
Possible values: <= 200 characters
The URL for the product brochure link will be shared in this field.
Possible values: <= 10 characters
This field indicates if the product supports whole life plan option or not.
Possible values: <= 10 characters
Does any of the selected riders need medical tests? If yes then this field will carry value as Yes.
Possible values: <= 10 characters
This field indicates if the manufacturer supports home collection of samples for medical tests.
Possible values: <= 10 characters
This field indicates if the manufacturer supports deduction or adjustment of expenses of the medical tests if the tests are paid for by the customer.
Possible values: <= 5 characters
Average time required by the manufacturer to issue a policy (in number of days)
MarketingMessages object[]
This array will contain all other product and manufacturer related marketing messages or information.
Possible values: <= 500 characters
If fieldType is 'option' then this field will carry optionID, if fieldType is 'rider' then this field will carry value of rider product code.
varFields object[]
Array to capture additional fields of the Messages section
Possible values: <= 100 characters
Additional fields for variable section
Possible values: <= 100 characters
Value of additional fields
taxSavings object[] required
All product related messages will be captured in this section
Possible values: <= 50 characters
Tax slab in which applicant falls
Possible values: <= 150 characters
Claim settlement ratio of the insurance company
taxSavingsOnPremium object[]
Tax slab in which applicant falls
SavingsPerYear object[]
Tax slab in which applicant falls
Possible values: <= 10 characters
It will count tax saved each year like in the first year or second year
Possible values: <= 10 characters
Max limit that will be considered for tax calcuation if the yearly prmium exceeds the same
cess object[]
Possible values: <= 10 characters
Cess tax Percentage applicable on taxes saved on premium
Possible values: <= 10 characters
Types of Cess
Possible values: <= 15 characters
Amount of money calculated using applicable cess
Possible values: <= 15 characters
Total amount saved each year because of premium paid
Possible values: <= 50 characters
Total amount of taxable money saved considering the whole premium paying term
taxSavingsOnMaturityBenefit object[]
Possible values: <= 10 characters
The return percent like 4% or 8% for which following array contains net maturity benefit
Possible values: <= 10 characters
Possible values: <= 500 characters
This fields will contain the logo of insurance company
Possible values: <= 500 characters
This fields will contain the logo of insurance product if available
other object
All other details not related to product or personal information will be captured here.
Possible values: <= 100 characters
URL for the Benefit illustration
Possible values: <= 500 characters
Benefit illustration Number
Possible values: <= 30 characters
Key Feature document language is stored here
varFields object[]
Array to capture additional fields of the other section
Possible values: <= 100 characters
Additional fields for variable section
Possible values: <= 100 characters
Value of additional fields
trackInfo object
This section will contain all quote tracking information
Quote Request Id generated by manufacturer. This will be shared with consumer only in case of Single Quote
varFields object[]
Array to capture additional fields of the trackInfo section
Possible values: <= 100 characters
Additional fields for variable section
Possible values: <= 100 characters
Value of additional fields
varFields object[]
Array to capture additional fields of the quote array
Possible values: <= 100 characters
Additional fields for variable section
Possible values: <= 100 characters
Value of additional fields
Entire request object to be replicated here.
{
"reqId": "string",
"errors": [
{
"errorCode": "string",
"errorDisplayMessage": "string",
"errorIdentifier": "string",
"errorMessage": "string",
"errorType": "string"
}
],
"data": {
"quote": [
{
"insuranceAndProducts": {
"insuranceCompanyCode": "EFGLife",
"productType": "lifeTerm",
"productCode": "string",
"productName": "My Term Product",
"pensionProductType": [
"nonParticipating"
]
},
"productDetails": {
"premiumPaymentTerm": "20",
"policyTerm": "20",
"policyTermUnit": "Years",
"premiumPaymentFrequency": "M",
"premiumPaymentOption": "2",
"suitabilityIndicator": "Suitable",
"planOption": {
"OptionSelected": "12",
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
},
"CoverOption": {
"OptionSelected": "1",
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
},
"DBPoption": {
"OptionSelected": "4",
"lumpsumPercent": "60",
"lumpsumAmount": "6000000",
"incomePercent": "40",
"incomeAmount": "4000000",
"incomeTerm": 10,
"incomeTermUnit": "Years",
"incomeFrequency": "M",
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
},
"AddOnSection": {
"returnOfPremium": {
"returnOfPremiumPercentage": "100"
},
"AddOns": [
{
"optionSelected": "11",
"addOnSumAssured": 0,
"premiumIncludedFlag": "No",
"inbuiltFeature": "No",
"mandatoryInProduct": "No",
"premiumDetails": [
{
"mode": "string",
"premiumValue": 0,
"tax": [
{
"taxCode": "string",
"taxDescription": "string",
"taxValue": 0,
"taxPercent": 0
}
],
"totalTax": 0,
"totalPremiumValue": 0
}
],
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
]
},
"maturityBenefit": [
{
"OptionSelected": "21",
"optionName": "Lumpsum + Income",
"optionDesc": "The customer will get the Maturity Benefit as Lumpsum as well as Income",
"guaranteedBenefitDetails": [
{
"benefitType": "lumpsum",
"benefitName": "",
"benefitDesc": "string",
"lumpsumAmount": "10000000",
"lumpsumPayoutYear": "",
"incomeAmount": "900000",
"incomeFrequency": "Months",
"incomeStartYear": "25",
"incomeTerm": "15",
"incomeTermUnit": "Years",
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
],
"nonguaranteedBenefitDetails": [
{
"benefitType": "lumpsum",
"benefitName": "",
"benefitDesc": "string",
"benefitAmounts": [
{
"returnsPercent": 0,
"lumpsumAmount": "10000000",
"lumpsumPayoutYear": null,
"incomeAmount": "900000",
"incomeFrequency": "Months",
"incomeStartYear": null,
"incomeTerm": "25",
"incomeTermUnit": "Years"
}
],
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
],
"totalMaturityBenefit": [
{
"returnsPercent": 0,
"returnsMultipl": 0,
"guaranteedIncome": 0,
"nonGuaranteedIncome": 0,
"guaranteedLumpsum": 0,
"nonGuaranteedLumpsum": 0,
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
]
}
],
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
],
"newOptions": [
{
"newOptionName": "string",
"optionValues": [
{
"OptionSelected": "string",
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
]
}
]
},
"rider": [
{
"ridercode": "22",
"riderTerm": 0,
"riderPremiumPayingTerm": 0,
"riderSA": 0,
"premiumDetails": [
{
"mode": "string",
"riderPremiumValue": 0,
"tax": [
{
"taxCode": "string",
"taxDescription": "string",
"taxValue": 0,
"taxPercent": 0
}
],
"totalTax": 0,
"totalPremiumValue": 0
}
],
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
],
"individualDetails": [
{
"memberSequenceNumber": "1",
"age": 25,
"sumAssured": "10000000",
"premiumDetails": [
{
"mode": "Y",
"premiumValue": "20000",
"tax": [
{
"taxCode": "lifeTerm_GST",
"taxDescription": "GST",
"taxValue": "3600",
"taxPercent": "18"
}
],
"totalTax": "3600",
"totalPremiumValue": "23600"
}
],
"rider": [
{
"ridercode": "23",
"riderTerm": 0,
"riderPremiumPayingTerm": 0,
"riderSA": 0,
"premiumDetails": [
{
"mode": "string",
"riderPremiumValue": 0,
"tax": [
{
"taxCode": "string",
"taxDescription": "string",
"taxValue": 0,
"taxPercent": 0
}
],
"totalRiderTax": 0,
"totalRiderPremiumValue": 0
}
],
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
],
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
],
"totalPremiumDetails": [
{
"premiumValue": 12900,
"premiumValueAddons": 1265,
"premiumValueRider": 201,
"taxValue": 1290,
"taxValueAddons": 126,
"taxValueRider": "Y20",
"totalPremiumValue": 13677,
"totalTax": 1877,
"totalPremiumWithTax": 14989,
"varFields": [
{
"fieldName": "string",
"fieldType": "string",
"fieldValue": [
{
"value": "string"
}
]
}
]
}
],
"supportingData": {
"validRanges": {
"PremiumPayingTerm": [
{
"value": "string"
}
],
"SumAssured": {
"min": "string",
"max": "string",
"multipleOf": "string"
},
"PolicyTerm": {
"min": "string",
"max": "string"
},
"varFields": [
{
"fieldName": "string",
"fieldType": "string",
"fieldValue": [
{
"value": "string"
}
]
}
]
},
"invalidFeatureCombinations": [
{
"Combo": [
{
"fieldLevel": "string",
"memberSequenceNumber": "string",
"fieldType": "string",
"fieldValue": "string"
}
]
}
],
"outOfRangeDetails": [
{
"fieldLevel": "string",
"memberSequenceNumber": "string",
"fieldType": "string",
"fieldCode": "string",
"OutOfRangeFieldName": "string"
}
],
"Messages": {
"TypeofMedical": "string",
"ClaimSettlementPercent": "string",
"ClaimSettlementTAT": "string",
"productFeatures": "string",
"brochureLink": "string",
"isWholeLifePlan": "Yes",
"riderMedical": "Yes",
"Home_Medicals": "Yes",
"medicalExpensesDeductible": "Yes",
"PolicyIssuanceTime": "15",
"MarketingMessages": [
{
"Message": "string"
}
],
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
},
"taxSavings": [
{
"taxSlab": "string",
"taxDesc": "string",
"taxSavingsOnPremium": [
{
"SavingsPerYear": [
{
"year": 0,
"exemptionLimit": 0,
"cess": [
{
"cessPercent": "string",
"cessDesc": "string",
"cessAmount": 0
}
],
"amountSaved": 0
}
],
"totalTaxSavingsOnPremium": 0
}
],
"taxSavingsOnMaturityBenefit": [
{
"returnsPercent": 0,
"amountSaved": 0
}
]
}
],
"insCompanyLogo": "string",
"productLogo": "string"
},
"other": {
"biUrl": "string",
"biNo": "string",
"keyFeatureDocumentLanguage": "string",
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
},
"trackInfo": {
"manufacturerQuoteID": "string",
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
},
"varFields": [
{
"fieldName": "string",
"fieldValue": "string"
}
]
}
],
"request": {}
}
}
Consumer Response
Schema
- Array [
- ]
Section to carry quote responses
errors object[] required
This array contains error messages in case of an error
Possible values: <= 50 characters
In case error occurs, the error code will be stored here
Possible values: <= 100 characters
In case error occurs, the error display message will be stored here
Possible values: <= 20 characters
In case error occurs, the error identifier will be stored here
Possible values: <= 100 characters
In case error occurs, the error message will be stored here
Possible values: <= 10 characters
In case error occurs, the error type will be stored here
Request Id for the quote assigned by 1SB
{
"data": {},
"errors": [
{
"errorCode": "string",
"errorDisplayMessage": "string",
"errorIdentifier": "string",
"errorMessage": "string",
"errorType": "string"
}
],
"reqId": "string"
}
Consumer Response
Schema
- Array [
- ]
Section to carry quote responses
errors object[] required
This array contains error messages in case of an error
Possible values: <= 50 characters
In case error occurs, the error code will be stored here
Possible values: <= 100 characters
In case error occurs, the error display message will be stored here
Possible values: <= 20 characters
In case error occurs, the error identifier will be stored here
Possible values: <= 100 characters
In case error occurs, the error message will be stored here
Possible values: <= 10 characters
In case error occurs, the error type will be stored here
Request Id for the quote assigned by 1SB
{
"data": {},
"errors": [
{
"errorCode": "string",
"errorDisplayMessage": "string",
"errorIdentifier": "string",
"errorMessage": "string",
"errorType": "string"
}
],
"reqId": "string"
}