Implementation manual for client communication with the web service.

Version	Date	Description
1.4.0	2026-09-02	Added Product Signal Iduna Malpraxis
1.3.0	2026-08-28	Added Product Asirom Malpraxis
1.2.0	2026-08-14	Added Product ABC Malprax
1.1.0	2023-07-20	Added Product Omniasig General, Professional and Other
1.0.0	2023-07-14	Initial version

1. Introduction

The LiabilityApi service allows the generation of offers, the issuance of policies, as well as the printing of corresponding documents.

All requests (except for authentication requests) must contain the "Token" parameter in the Header, which contains an authorization token (JWT) obtained through authentication endpoints using credentials provided by Life Is Hard SA (as OPERATOR).

Environments:

• test: https://liability-uat.api.lifeishard.ro/ - this is a test environment, where are available latest stable changes

• production: https://liability.api.lifeishard.ro/

The examples and definitions of the methods and resources offered by the service can be viewed through the Swagger UI platform: https://api.lifeishard.ro/liability-api

On the testing environment, authentication will be performed using the credentials:

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The credentials used in the testing environment are not functional in the production environment.

1.1 Implemented products

🚧 - Products which are under development (there are not available in production only on the testing enviorment)

Insurer	Identifier
Omniasig	insurer:omniasigproduct: general, professional, other
ABC Malprax	insurer: abcproduct: malprax
Asirom Malpraxis	insurer: asiromproduct: malpraxis
Signal Iduna Malpraxis	insurer: signal_idunaproduct: malpraxis
🚧 Uniqa Malpraxis	insurer: uniqaproduct: malpraxis
🚧 Garanta Malpraxis	insurer: garantaproduct: malpraxis

1.2 Workflow

Creating policy:

1. Authentication Obtain a JWT token using credentials provided by OPERATOR

2. Create offer the response includes the [offerID] – this id will be needed in the following requests

3. Transform offer to policy use [offerID] from the offer step for policy to get the policy data

4. Download documents use [offerID] from the offer step to get offer documents, and [policyID] from the transform policy step to get policy documents

1. 3 Response types

The main structure of response is:

Parameter	Description
error	This indicates the type of response: false indicates success, and true indicates an error.
status	HTTP status
data	Data related to the response / Additional data regarding the response.
message	Error message

The structure of the responses can be divided into two major categories: successful response and error response.

Success

Parameter	Description
error	false
status	200
data	(object)

Error

Parameter	Description
error	true
status	400 - 500
message	Error message
data	(optional) Additional data

2. Authentication

2.1 Authenticate account

Endpoint: POST /auth

This method is used to authenticate an account by account and password (provided by OPERATOR).

If the authentication was successful. The response will include a JSON object with the following properties:

• error: A boolean indicating if an error occurred during the request. In this case, it will be false.

• status: An integer representing the status code of the response. In this case, it will be 200.

• data: A JSON object containing the following properties:

• token: A string representing the JWT token generated by the server for the authenticated user.

• expires_at: A string representing the date and time when the JWT token will expire in the format "YYYY-MM-DD HH:MM:SS".

• refresh_token: A string representing the refresh token generated by the server for the authenticated user.

2.2 Renew token

Endpoint: PATCH /auth

This method is used to renew an authentication token based on the refresh token.

If the token has been successfully renewed, the generated response will have the same structure as the authentication response.

2.3 De-authenticate account

Endpoint: DELETE /auth

This method is used to deauthenticate an existing and valid auth token.

3. Create offer

Endpoint**:** POST /offer

3.1 Request

3.1.1. Input parameters

a. Main object

Parameter	Type	Required	Description	Validation rules
provider	object	Yes	Information related to the insurer
provider.organization	object	Yes	Insurer’s data
provider.organization.businessName	string	Yes	Insurer identifier (see 1.1. → Identifiers)
provider.authentication	object	Yes	Credentials to access insurer’s web service
provider.authentication.account	string	Yes	Account	In DEV / QA environment these fields can be sent empty to use default test credentials
provider.authentication.password	string	Yes	Password
provider.authentication.code	string	Yes	Code
product	object	Yes	Information related to the product
product.name	string	Yes	Product identifier (see 1.1. → Identifiers)
product.currency	string	Yes	Currency	Accepted values: EUR, RON USD,CHF
product.liability	Liability object	Yes	Information related to the product
product.customer	Person object	No	Contractor’s data	If not set the policyholder’s information will be used by default
product.policyholder	Person object	Yes	Policyholder’s data
product.additionalData	object	No (depending on the product)	Product related additional information	Must be completed according to the Product specific parameters section
product.additionalData.rafCode	string	No	Offering agents RAF code	Format validation: RAF1234567891 Starts with RAF followed by at most 10 digits

b. Liability object

Parameter	Type	Required	Description	Validation rules
type	string	Yes	Type of the liability policy	If set the value has to be one of the following [malpraxis, pharma, veterinary, lawyers, notaries, counselors, executors, insolvency, tax-consultant, personal, hunters, estate-admin]
category	string	Yes* for type equal to one of [malpraxis, pharma, veterinary, lawyers]	Type of category	GET /nomenclature/category-speciality/{liabilityType} for the full list per type
speciality	string	Yes* for type equal to one of [malpraxis, pharma, veterinary, lawyers]	Type of speciality	GET /nomenclature/category-speciality/{liabilityType}/{category} for the full list per type and category
startDate	string	Yes	Start date of the policy	• Accepted format: YYYY-MM-DD • The date must be in the future.
termTime	number	Yes	Duration of the policy in months	Integer value between 1 and 12
installmentCount	number	No	Number of installments for payment	If set the value has to be one of the following [1, 2, 4, 12] Note: in some cases the accepted values might change depending on the insurer
notes	string	No	Any additional observations regarding the policy
renewPolicy	object	No	Object used in case of renewal of an existing policy
renewPolicy.series	string	Yes, if renewPolicy.number is set
renewPolicy.number	number	Yes, if renewPolicy.series is set
additionalInsureds	object	No	Object used to set number of additional insured
additionalInsureds.children	number	No	Number of additional children added to the policy	• Numeric value • Minimum value 0Note: if not set default value is 0
additionalInsureds.residents	number	No	Number of additional residents added to the policy
deductible	object	No	Object used to set policy deductible information	Note: if not set default value for percent is 0 and type is no-deductible
deductible.percent	number	No	Percent value	• Numeric value • Minimum value 0
deductible.type	string	No	Type of deductible	Value has to be one of the following [undefined, no-deductible, per-event, of-loss]
allowance	object	No	Object used to set “Bonificatie”
allowance.value	number	No	Percent value	• Numeric value • Value between [-99, 99]
territory	object	No	Object used to set policy coverage location
territory.coversWorldWide	boolean	No	Coverage for world wide	Note: default value false
territory.coversRomania	boolean	No	Coverage for Romania
coverage	Coverage object	Yes
conditions	Condition Object	Yes
intermediaryEmail	string	No	Intermediary Email	• valid email address

c. Person object

Parameter	Type	Required	Description	Validation rules
businessName	string	Yes, if it is present in request	Business name (if the person is a legal entity)
companyRegistryNumber	string	Yes, if businessName field is present	Company registration number (if the person is a legal entity)
caenCode	number		Company CAEN number
lastName	string	Yes, if businessName field is not present	Individual person's last name
firstName	string		Individual person's first name
taxId	string	Yes	• Personal identification code for natural persons • Tax identification number for non-natural persons	It must be a valid Romanian CNP if businessName field is not present and isForeignPerson is false (or it’s not present)
isForeignPerson	boolean	No	Indicates if person is foreign person
nationality	string	Yes, if isForeignPerson is true	Nationality	Accepted values: iso2 codes from /nomenclature/country nomenclature
citizenship	string		Citizenship	Accepted values: iso2 codes from /nomenclature/country nomenclature
gender	string		Gender: • m => male • f => female	Accepted values: m, f
birthdate	string		Date of birth	• Accepted format: YYYY-MM-DD • The date must be in the past.
email	string	No	Email address	It must be a valid email address.
mobileNumber	string	No	Mobile phone number	It must be a valid mobile number address.
identification	Identification object	Yes, if businessName field is not present	Information related to the identification document
address	Address object	Yes	Person’s home address

d. Identification object

Parameter	Type	Required	Description	Validation rules
idType	string	Yes	Type of the identification document	Accepted values: CI, PASSPORT
idNumber	string	Yes	Series and number of the identification document	If idType = CI it must be a valid romanian identification number, accepted format of 2 letters and 6-7 digits
issueAuthority	string	Yes	Issuer of the identification document
issueDate	string	Yes	Issuing date of the identification document	• date before now() +1 day • accepted format: YYYY-MM-DD

e. Address object

Parameter	Type	Required	Description	Validation rules
country	string	No	iso2 country code	Accepted values: iso2 codes from /nomenclature/country nomenclature
county	string	Yes	County code	Accepted values: any code from /nomenclature/county nomenclature
city	string	Yes	Locality name	Accepted values: any name from /nomenclature/locality/{county} nomenclature
cityCode	number	Yes	Locality code	Accepted values: any siruta code from /nomenclature/locality/{county} nomenclature
street	string	Yes	Street
houseNumber	string	Yes	House number
building	string	No	Building
staircase	string	No	Staircase
apartment	string	No	Apartment
floor	string	No	Floor
postcode	number	No	Postcode

f. Coverage object

Parameter	Type	Required	Description	Validation rules
auxiliaryStaff	object	No
auxiliaryStaff.isIncluded	boolean	Yes, if auxiliaryStaff is present
eScooter	object	No
eScooter.isIncluded	boolean	Yes, if eScooter is present
eScooter.value	number	Yes, if eScooter.isIncluded is true		• Numeric value • Minimum value 1
extendedReportingPeriod	object	No
extendedReportingPeriod.isIncluded	boolean	Yes, if extendedReportingPeriod.isIncluded is present
extendedReportingPeriod.value	number	Yes, if extendedReportingPeriod.isIncluded.isIncluded is true	Percent value	• Numeric value • Minimum value 1
moralClaims	object	No
moralClaims.isIncluded	boolean	Yes, if moralClaims is present
moralClaims.value	number	Yes, if moralClaims.isIncluded is true	Percent value	• Numeric value • Minimum value 1
feesCompensation	object	No
feesCompensation.isIncluded	boolean	Yes, if feesCompensation is present
feesCompensation.value	number	Yes, if feesCompensation.isIncluded is true		• Numeric value • Minimum value 1
perEvent	object	No
perEvent.isIncluded	boolean	Yes, if perEvent is present
perEvent.value	number	Yes, if perEvent.isIncluded is true		• Numeric value • Minimum value 1
policyLimit	object	No
policyLimit.isIncluded	boolean	Yes, if policyLimit is present
policyLimit.value	number	Yes, if policyLimit.isIncluded is true		• Numeric value • Minimum value 1

g. Conditions object

Parameter	Type	Required	Description	Validation rules
locationCount	object	No
locationCount.isIncluded	boolean	Yes, if locationCount is present
locationCount.value	number	Yes, if locationCount.isIncluded is true		• Numeric value • Minimum value 1
claimsWithin3Years	object	No
claimsWithin3Years.isIncluded	boolean	Yes, if claimsWithin3Years is present
lossHistoryWithin5Years	object	No
lossHistoryWithin5Years.isIncluded	boolean	Yes, if lossHistoryWithin5Years is present
turnover	object	No
turnover.isIncluded	boolean	Yes, if turnover is present
turnover.value	number	Yes, if turnover.isIncluded is true		• Numeric value • Minimum value 1

3.1.2 Business rules

• product.customer (if present) and product.policyholder have to be adultse

3.2 Response

The object structure returned in the data field is described in this section.

Response data object

Parameter	Type	Description
provider	object
provider.organization	object
provider.organization.businessName	string	Insurer identifier
product	object
product.name	string	Product identifier
offers	array of Offer object	A list of generated offers, which can include offers generated successfully

Offer object

Parameter	Type	Description
offerId	number	• Unique identifier of the offer • Use this to transform the offer into a policy
providerOfferCode	string	Unique identifier of the offer generated by the insurer
premiumAmount	number	Premium amount defined in the currency returned in currency field
currency	string	Currency
exhangeRate	object
exhangeRate.currency	string
exhangeRate.amount	number
exhangeRate.exhangeRate	number
payment	object
payment.amount	number
payment.currency	string
startDate	string	The start date of the policy
endDate	string	The end date of the policy
installments	object
installments.id	number	Number of the installment
installments.amount	number	Premium amount of the installment
installments.dueDate	string	The due date of the payment
notes	string	Additional information from the insurer
offerExpiryDate	string	The date till the offer is valid

4. Transform offer to policy

Endpoint: POST /policy

4.1 Request

4.1.1 Input parameters

Request data object

Parameter	Type	Required	Description	Validation rules
offerId	number	Yes	Unique identifier f the offer that will be transformed to a policy	Offer has to exist
payment	Payment object	Yes	Payment information
additionalData	object	No (depending on the product)	Product related additional information	Must be completed according to the Product specific parameters section

Payment object

Parameter	Type	Required	Description	Validation rules
method	string	Yes	Payment methodNote: not all products will accept every option	Accepted values: receipt, broker receipt, payment order, broker payment order, pos
currency	string	Yes	Payment currency	At the moment only RON is accepted
amount	number	Yes	The payment amount in the selected currency
date	string	Yes	Payment date	Accepted format: YYYY-MM-DD
documentNumber	string	Yes	Payment proof document details	Format: has to start with at least one character followed by digits

4.2 Response

The object structure returned in the data field is described in this section.

Response data object

Parameter	Type	Description
policies	array of Policy object	A list of issued policies, which can include policies successfully and/or with errors.

Policy object

🚩 Structure might change

Parameter	Type	Description
provider	object
provider.organization	object
provider.organization.businessName	string	Insurer identifier
policyId	number	Unique identifier of the issued policy
series	string	Policy series
number	number	Policy number
startDate	string	Policy start date
endDate	string	Policy end date
premiumAmount	number	Value of the policy
currency	string	Policy value currency
installments	object
installments.id	number	Number of the installment
installments.amount	number	Premium amount of the installment
installments.dueDate	date	Format:Y-m-d

5. Documents

5.1 Offer

Endpoint: GET /offer/{OfferID}

This API endpoint enables users to download the offer in PDF format. You will need to provide the OfferID received from the offer request call to access the download feature.

5.2 Policy

This API endpoint enables users to download the policy in PDF format.

5.2.1 By policy identifier

Endpoint: GET /policy/{PolicyID}

You will need to provide the policyId received from the offer transform request call to access the download feature.

5.2.2 By policy series and number

Endpoint: GET /policy?series={series}&number={number}

You will need to provide the series and number received in the response of transform offer into policy call to access the download feature.

5.3 Insurer receipt

Endpoint: GET /policy/{PolicyId}/insurer-receipt

This API endpoint enables users to download the policy receipt in PDF format. You will need to provide the PolicyID received from the offer transform request call to access the download feature.

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Implemented products for this endpoint:

• Abc

• Signal Iduna

6. Product-specific parameters

This section of the implementation manual outlines the specifications for the additionalData object, which forms part of the request for bidding and transformation of offers into policies.

The section also describes specific validation rules for each product.

6.1 Omniasig

Business rules:

• At offering the following currencies are accepted for product.currency [RON, EUR, USD, CHF]

• The product.liability.termTime field can have one of the following values [3, 6, 9, 12]

• The product.liability.deductible.percent value has the following restrictions depending on the product.liability.deductible.type:

• per-event values from 0.3, 0.5, 1, 1.5, 2

• of-loss values from 3, 5, 7, 10, 15

• undefined or no-deductible value has to be 0

• The product.liability.coverage.moralClaims.value and product.liability.coverage.feesCompensation.value can have the following percentage values [5, 10, 15, 20, 25, 30]

• The product.liability.coverage.policyLimit.value minimum value is 1 if product.liability.coverage.perEvent.value does not exist otherwise the minimum value is product.liability.coverage.perEvent.value

• product.policyholder.companyRegistryNumber and product.customer.companyRegistryNumber is not required

• 🚩 product.customer.isForeignPerson and product.policyholder.isForeignPerson has to be set to false, SAS working on development

• The product.policyholder.address.postcode is required

• The product.customer.address.postcode is required when product.customer.address is present

6.1.1 General Liability Package

Business rules:

• product.name is set to general

• product.liability.type can have the following values if product.policyholder is a regular entity [hunters, estate-admin, personal] otherwise only estate-admin

6.1.1.1 Offer

Business rules:

• product.liability.coverage.perEvent.value for product.currency EUR CHF the value has to be between [5000, 1000000]

• product.liability.coverage.perEvent.value for product.currency RON the value has to be between [5500, 1000000]

No additional data is required.

6.1.1.2 Transform offer to policy

No additional data is required.

Business rules:

• payment.documentNumber is not required

6.1.2 Professional Liability Package

Business rules:

• product.name is set to professional

• product.liability.type can have the following values if product.policyholder is a regular entity [malpraxis, pharma, veterinary, lawyers, notaries, counselors, executors, insolvency, tax-consultant] otherwise [lawyers, notaries, counselors, executors, insolvency, tax-consultant]

• product.liability.conditions.turnover.isIncluded has to be set to true when product.liability.type is one of [lawyers, executors, insolvency, tax-consultant] otherwise false

• product.liability.coverage.perEvent.value limits list in EUR or the equivalent in RON, values are based on category and specialty see table bellow

Category and speciality limits list4000

Type	Category	Speciality	Minimum Coverage	Maximum Coverage
malpraxis	family-medicine-general-practitioners	applies to all specialities	12,000	200,000
malpraxis	medical-specialists	applies to all specialities	37,000	200,000
malpraxis	surgical-specialists	applies to all specialities	62,000	200,000
malpraxis	dentists	applies to all specialities	37,000	200,000
malpraxis	dental-technicians	applies to all specialities	10,000	200,000
malpraxis	paraclinical-specialists-biochemists-biologists	applies to all specialities	10,000	200,000
malpraxis	pharmacists	applies to all specialities	5,000	200,000
malpraxis	pharmacy-assistants	applies to all specialities	2,000	200,000
malpraxis	nurses-and-midwives	nurses-and-midwives-inpatient-facilities	10,000	200,000
malpraxis	nurses-and-midwives	nurses-and-midwives-primary-care-outpatient-clinics	2,000	200,000
pharma	pharmacists	applies to all specialities	5,000	200,000
pharma	pharmacy-assistants	applies to all specialities	2,000	200,000
veterinary	physicians	applies to all specialities	5,000	200,000
veterinary	medical-staff	applies to all specialities	5,000	200,000
lawyers	intern	applies to all specialities	3,000	200,000
lawyers	permanent	applies to all specialities	6,000	200,000
notaries	—	—	3,000	200,000
counselors	—	—	5,000	200,000
executors	—	—	5,000	200,000
insolvency	—	—	1,000	200,000
tax-consultant	—	—	10,000	200,000

• product.additionalData.product.conditions.professionalCategory is a mandatory field if product.liability.type is one of [malpraxis, pharma, veterinary, lawyers] 🚩 field replaced with the value from product.liability.category

6.1.2.1 Offer

Parameter	Type	Required	Description	Validation rules
product.retroactivePeriod	numeric	No	Value in months	Accepted value from [12, 24, 36]
product.conditions	object	No
product.conditions.activityType	string	No		Accepted value from [accounting, tax-advisory, audit]
product.conditions.consultantsType	array of string	No		Accepted value from [accountant, expert-accountant, tax-consultant, auditor]
product.conditions.professionalCategory ⚠️ field replaced with the value from product.liability.category
product.conditions.professionalSpeciality ⚠️ field replaced with the value from product.liability.speciality

6.1.2.2 Transform offer to policy

No additional data is required.

Business rules:

• payment.documentNumber is not required

6.1.3 Other Liability Package

Business rules:

• product.name is set to other

• product.liability.type can have the following values if product.policyholder is a regular entity [hunters, estate-admin, personal] otherwise only estate-admin

• product.liability.coverage.perEvent.value limits list in EUR or the equivalent in RON, see table bellow

Type	Minimum Coverage	Maximum Coverage
estate-administration	5,000	200,000
hunters	3,000	200,000
personal	-	-

• product.liability.conditions.turnover.isIncluded has to be set to false

• product.liability.additionalInsureds.residents and product.liability.additionalInsureds.children have to be set to 0 if they exist in the request

6.1.3.1 Offer

Parameter	Type	Required	Description	Validation rules
product.conditions.accountingDeskActivities	boolean	Yes, if product.conditions.adminTechnicalActivities is false	If product.policyholder performs any accounting or desk activities	Note: default value false At least on of the fields has to be set to true.
product.conditions.adminTechnicalActivities	boolean	Yes, if accountingDeskActivities if false	If product.policyholder performs any administration or technical activities

6.1.3.2 Transform offer to policy

No additional data is required.

Business rules:

• payment.documentNumber is not required

6.2 ABC - Malpraxis

6.2.1 Offer

Business rules:

• The product.liability.startDate field value cannot be more then 30 days in the future

• The product.liability.termTime field can only be equal to 12

• The product.liability.installmentCount field can have one of the following values [1, 2, 4, 12]

• The following product.liability.coverage values cannot be included:

• perEvent

• policyLimit

• auxiliaryStaff

• eScooter

• extendedReportingPeriod

• feesCompensation

• locationCount

• turnover

• lossHistoryWithin5Years

• The product.liability.coverage.moralClaims.value field can have one of the following values [25, 50, 75]

• The product.policyholder.mobileNumber is required

• The product.customer.mobileNumber is required when product.customer is present

Parameter	Type	Required	Description	Validation rules
product.additionalData.product.medicalSpecialization ⚠️ field replaced with the value from product.liability.category
product.additionalData.product.medicalSpeciality ⚠️ field replaced with the value from product.liability.speciality
product.additionalData.product.imageRepairExpenses	object	No	Image repair expenses coverage
product.additionalData.product.imageRepairExpenses.isIncluded	boolean	No
product.additionalData.product.imageRepairExpenses.value	number	Yes, if product.additionalData.product.imageRepairExpenses.isIncluded is true		Accepted values from [500, 1000, 2500]
product.additionalData.product.mitigationExpenses	object		Mitigation expenses coverage
product.additionalData.product.mitigationExpenses.isIncluded	boolean	No
product.additionalData.product.mitigationExpenses.value	number	Yes, if product.additionalData.product.mitigationExpenses.isIncluded is true		Accepted values from [500, 1000, 2500]
product.additionalData.product.retroactivePeriod	object	No	Retroactive period
product.additionalData.product.retroactivePeriod.isIncluded	boolean	No
product.additionalData.product.retroactivePeriod.value	number	Yes, if product.additionalData.product.retroactivePeriod.isIncluded is true		Accepted values from [12, 24, 36]
product.additionalData.product.knowledgeOfClaims	boolean	No	Knowledge of pending claims
product.additionalData.product.attestationDate	string	No	Professional attestation date
product.additionalData.product.voucherCode	string	No	Voucher code for discounts
product.additionalData.product.premiumAdjustment	number	No	Premium adjustment percentage

6.2.2 Transform offer to policy

No additional data is required.

6.3 Asirom - Malpraxis

6.3.1 Offer

Business rules:

• The product.currency field accepts one of [RON, EUR]

• The product.liability.type field can only equal "malpraxis"

• The product.liability.startDate field must be no more than 3 months and 29 days from today

• The product.liability.termTime field accepts "12 to 18" (months)

• The product.liability.installmentCount field accepts values [1, 2, 4]

• The product.liability.deductible.percent.type field can only equal "no-deductible" or "per-event", and is required whenever a deductible object is submitted

• The product.liability.deductible.percent field accepts one of [0, 0.5, 1, 2, 3, 4, 5]

• Only the following coverage elements may be included (product.liability.coverage.*.type): policyLimit, perEvent, moralClaims. Any other coverage option submitted with isIncluded: true is rejected.

• product.liability.coverage.policyLimit.isIncluded is mandatory to be included

• product.liability.coverage.policyLimit.value has ti be a value between EUR 100 and EUR 100,000 or the equivalent value in RON in case product.currency is equal to RON

• product.liability.coverage.perEvent.isIncluded is mandatory to be included its .value must

• product.liability.coverage.perEvent.value has to be equal to product.liability.coverage.policyLimit.value

• product.liability.coverage.moralClaims.value, when included, the value will be used to calculate a percent of the product.liability.coverage.policyLimit.value

• product.policyholder.nationality and product.customer.nationality cannot be set to RO when the person's tax ID (CNP) starts with 7 or 8, as that prefix indicates foreign tax residency

• product.additionalData.product.discount and product.additionalData.product.increase cannot be set at the same time

• product.additionalData.product.authorizationType` must be operating-authorization when product.liability.category is healthcare-providers-legal-entities and product.liability.speciality is pharmacies-individual-medical-practices; any other authorization type is rejected for that pair

Parameter	Type	Required	Description	Validation rules
product.additionalData.product.authorizationType	string	Yes	Type of document authorizing the insured to practice.	Accepted values: operating-authorization, medical-college-membership-certificate
product.additionalData.product.authorizationNumber	string	Yes	Number of the authorization document.
product.additionalData.product.authorizationDate	date	Yes	Issue date of the authorization document.	Format YYYY-MM-DD. Must be on or before the first day of next month.
product.additionalData.product.accreditationCertificateNumber	string	No	Number of the accreditation certificate.
product.additionalData.product.accreditationCertificateDate	date	No	Issue date of the accreditation certificate.	Format YYYY-MM-DD
product.additionalData.product.workplace	string	No	Workplace of the insured.
product.additionalData.product.professionStartDate	date	Yes	Date on which the insured started practicing the profession.	Format YYYY-MM-DD
product.additionalData.product.retroactivePeriod	date	Yes	Start date of the retroactive coverage period.	Format YYYY-MM-DD. Must be on or before product.liability.startDate, no earlier than 3 years before product.liability.startDate, and on or after authorizationDate
product.additionalData.product.claimsDetails	string	No	Details of any claims made against the insured.
product.additionalData.product.priorClaimsRequests	string	No	Details of any prior claims requests made against the insured.
product.additionalData.product.priorClaimsPaid	string	No	Details of any prior claims paid on behalf of the insured.
product.additionalData.product.ongoingLitigation	string	No	Details of any ongoing litigation involving the insured.Requested discount percentage.
product.additionalData.product.discount	number	No	Reason for the requested discount.	Requested discount percentage, "0.1 to 90". Mutually exclusive with increase.
product.additionalData.product.discountReason	string	Yes*, if product.additionalData.product.discount is set	Reason for the requested discount.
product.additionalData.product.increase	number	No	Requested premium increase percentage.	Requested premium increase percentage, minimum "0.1". Mutually exclusive with discount.
product.additionalData.product.increaseReason	string	Yes*, if product.additionalData.product.increase is set	Reason for the requested premium increase.
product.additionalData.product.simulateOffer	boolean	No	Simulate offer generation, cannot be issued.	If true, requests a simulated offer only (cannot be downloaded or issued). Default false. 🚩 Note: the response will not contain the offerId and providerOfferCode fields if it is a simulated offer

6.3.2 Transform offer to policy

Business rules:

• payment.date must be on or before today's date

No other additional data is required.

6.4 Signal Iduna - Malpraxis

6.4.1 Offer

Business rules:

• The product.currency field can only equal "EUR"

• The product.liability.type field can only equal "malpraxis"

• The product.liability.termTime field accepts "12 to 18" (months)

• The product.liability.installmentCount field accepts values [1, 2, 4]

• product.liability.coverage.moralClaims.value sent value is ignored, SignalIduna computes the final moral-claims value itself

• product.liability.coverage.policyLimit.isIncluded may only be set to true for 2 specific category/speciality combinations (medical-service-providers-legal-entity, and hospital-specialty-outpatient-clinics); for every other combination it must be declined

• product.liability.coverage.policyLimit.value, when the limit is included it has to be one of [5000, 10000, 15000, 25000, 50000, 100000, 150000] (EUR)

• The following coverage/condition elements are not supported at all and must be declined (omitted or false): perEvent, auxiliaryStaff, eScooter, extendedReportingPeriod, feesCompensation, conditions.locationCount, conditions.turnover, conditions.lossHistoryWithin5Years, conditions.claimsWithin3Years.

Category/speciality combinations by required policyholder entity type4000

product.liability.category	product.liability.speciality	Required Policyholder Entity Type
healthcare-providers-legal-entities	closed-circuit-pharmacies	Legal entity only
healthcare-providers-legal-entities	hospital-specialty-outpatient-clinics	Legal entity only
healthcare-providers-legal-entities	medical-service-providers-legal-entity	Legal entity only
healthcare-providers-legal-entities	pharmacies-individual-medical-practices	Legal entity only
ancillary-medical-service-providers	dietitian	Natural person only
ancillary-medical-service-providers	staff-providing-ancillary-medical-services	Natural person only
dental-technicians	dental-technicians	Natural person only
dentists	dental-prosthetics	Natural person only
dentists	dentist	Natural person only
dentists	dentist-stomatologist	Natural person only
dentists	dento-alveolar-and-maxillofacial-stomatological-surgery	Natural person only
dentists	dento-alveolar-surgery	Natural person only
dentists	endodontics	Natural person only
dentists	general-stomatology-and-pediatric-dentistry	Natural person only
dentists	orthodontics-and-dento-facial-orthopedics	Natural person only
dentists	pediatric-dentistry	Natural person only
dentists	periodontology	Natural person only
dietitians-nutritionists	nutritionist-dietitian	Natural person only
family-medicine-general-practitioners	family-medicine	Natural person only
family-medicine-general-practitioners	general-practitioners	Natural person only
medical-specialists	allergology-and-clinical-immunology	Natural person only
medical-specialists	anesthesia-and-intensive-care	Natural person only
medical-specialists	anesthesiologist-and-icu-specialist	Natural person only
medical-specialists	cardiology	Natural person only
medical-specialists	clinical-pharmacology	Natural person only
medical-specialists	dermatovenereology	Natural person only
medical-specialists	diabetes-nutrition-and-metabolic-diseases	Natural person only
medical-specialists	emergency-medicine	Natural person only
medical-specialists	endocrinology	Natural person only
medical-specialists	gastroenterology	Natural person only
medical-specialists	geriatrics-and-gerontology	Natural person only
medical-specialists	hematology	Natural person only
medical-specialists	infectious-diseases	Natural person only
medical-specialists	internal-medicine	Natural person only
medical-specialists	medical-genetics	Natural person only
medical-specialists	medical-oncology	Natural person only
medical-specialists	medical-work-capacity-assessment	Natural person only
medical-specialists	neonatology	Natural person only
medical-specialists	nephrology	Natural person only
medical-specialists	neurology	Natural person only
medical-specialists	obstetrics-and-gynecology	Natural person only
medical-specialists	occupational-medicine	Natural person only
medical-specialists	ophthalmology	Natural person only
medical-specialists	otorhinolaryngology-ent	Natural person only
medical-specialists	pediatric-cardiology	Natural person only
medical-specialists	pediatric-gastroenterology	Natural person only
medical-specialists	pediatric-nephrology	Natural person only
medical-specialists	pediatric-neurology	Natural person only
medical-specialists	pediatric-oncology-and-hematology	Natural person only
medical-specialists	pediatric-ophthalmology	Natural person only
medical-specialists	pediatric-psychiatry	Natural person only
medical-specialists	pediatric-pulmonology	Natural person only
medical-specialists	physical-and-rehabilitation-medicine	Natural person only
medical-specialists	pneumophthisiology	Natural person only
medical-specialists	psychiatry	Natural person only
medical-specialists	public-health-and-health-management	Natural person only
medical-specialists	pulmonology	Natural person only
medical-specialists	radiotherapy	Natural person only
medical-specialists	rheumatology	Natural person only
medical-specialists	school-medicine	Natural person only
medical-specialists	sports-medicine	Natural person only
nurses-and-midwives	general-nurses-midwives-inpatient-facilities-emergency-units-ambulance	Natural person only
nurses-and-midwives	nurses-and-midwives-excluding-neonatology-and-ob-gyn	Natural person only
nurses-and-midwives	nurses-and-midwives-inpatient-facilities	Natural person only
nurses-and-midwives	nurses-and-midwives-inpatient-medical-units	Natural person only
nurses-and-midwives	nurses-and-midwives-primary-care-outpatient-clinics	Natural person only
nurses-and-midwives	self-employed-independent-practice-nurses-and-midwives-neonatology	Natural person only
nurses-and-midwives	self-employed-independent-practice-nurses-and-midwives-obstetrics-gynecology	Natural person only
paraclinical-specialists-biochemists-biologists	biochemists-biologists-chemists	Natural person only
paraclinical-specialists-biochemists-biologists	biologist	Natural person only
paraclinical-specialists-biochemists-biologists	chemist-in-healthcare-system	Natural person only
paraclinical-specialists-biochemists-biologists	epidemiology	Natural person only
paraclinical-specialists-biochemists-biologists	forensic-medicine	Natural person only
paraclinical-specialists-biochemists-biologists	hygiene	Natural person only
paraclinical-specialists-biochemists-biologists	laboratory-medicine	Natural person only
paraclinical-specialists-biochemists-biologists	medical-microbiology	Natural person only
paraclinical-specialists-biochemists-biologists	nuclear-medicine	Natural person only
paraclinical-specialists-biochemists-biologists	pathological-anatomy	Natural person only
paraclinical-specialists-biochemists-biologists	public-health-and-management	Natural person only
paraclinical-specialists-biochemists-biologists	radiology-medical-imaging	Natural person only
pharmacists	closed-circuit-pharmacists	Natural person only
pharmacists	open-circuit-pharmacists	Natural person only
pharmacy-assistants	pharmacy-assistants	Natural person only
physiotherapists-kinesiotherapists	kinesiotherapists-and-physio-kinesiotherapists	Natural person only
physiotherapists-kinesiotherapists	physiotherapist-kinesiotherapist	Natural person only
physiotherapists-kinesiotherapists	physiotherapist-medical-recovery	Natural person only
surgical-specialists	cardiac-and-major-vessel-surgery	Natural person only
surgical-specialists	cardiovascular-surgery	Natural person only
surgical-specialists	general-surgery	Natural person only
surgical-specialists	neurosurgery	Natural person only
surgical-specialists	obstetrics-and-gynecology-surgical	Natural person only
surgical-specialists	ophthalmology-surgical	Natural person only
surgical-specialists	oral-and-maxillofacial-surgery	Natural person only
surgical-specialists	orthopedics-and-traumatology	Natural person only
surgical-specialists	otorhinolaryngology-ent-surgical	Natural person only
surgical-specialists	pediatric-neurosurgery	Natural person only
surgical-specialists	pediatric-orthopedics	Natural person only
surgical-specialists	pediatric-surgery	Natural person only
surgical-specialists	plastic-aesthetic-and-reconstructive-microsurgery	Natural person only
surgical-specialists	plastic-and-reparatory-surgery	Natural person only
surgical-specialists	thoracic-surgery	Natural person only
surgical-specialists	urology	Natural person only
surgical-specialists	vascular-surgery	Natural person only

6.4.2 Transform offer to policy

Business rules:

• payment.documentNumber becomes mandatory when payment.method equals broker receipt; for every other payment method it stays optional.

Parameter	Type	Required	Description	Validation rules
additionalData.payer	object	No	Person/entity the payment receipt should be issued to, instead of the insured.	—
additionalData.payer.businessName	string	Conditional	Payer’s legal entity name.	Required if lastName and firstName are absent.
additionalData.payer.companyRegistryNumber	string	No	Payer’s company registry number, only meaningful for a legal entity.	—
additionalData.payer.lastName	string	Conditional	Payer’s last name.	Required if businessName is absent.
additionalData.payer.firstName	string	Conditional	Payer’s first name.	Required if businessName is absent.
additionalData.payer.taxId	string	Yes, if payer is present	Payer’s CNP/CUI.	—
additionalData.payer.address	object	Yes, if payer is present	Payer’s address.	Must include street, houseNumber, county, and city.
additionalData.payer.address.street	string	Yes, if payer.address is present	Payer’s street name.	—
additionalData.payer.address.houseNumber	string	Yes, if payer.address is present	Payer’s house number.	—
additionalData.payer.address.county	string	Yes, if payer.address is present	Payer’s county.	—
additionalData.payer.address.city	string	Yes, if payer.address is present	Payer’s city.	—
additionalData.premiumAdjustment	number	No	Increased premium amount.	—

6.5 Uniqa - Malpraxis

6.5.1 Offer

Business rules:

• The product.liability.type field can only equal malpraxis.

• product.liability.coverage.moralClaims.value, when moralClaims.isIncluded is true, must be one of [10, 20, 25, 50] — for Uniqa this field is a sublimit percentage

• product.policyholder.address.postcode is mandatory and numeric.

• product.customer.address.postcode is mandatory and numeric whenever product.customer is submitted.

• product.additionalData.product.medicalUnit is mandatory.

• product.additionalData.product.anteriority.startDate is mandatory (format YYYY-MM-DD) only when anteriority.oneYear is true; it is not required for the two-year anteriority clause.

• product.additionalData.product.sublimit, when submitted, must be one of [10, 20, 25, 50] (percentage applied to the main insured risk); defaults to 10 when omitted.

• product.liability.coverage.policyLimit or product.liability.coverage.perEvent needs to be included

Minimum policy limit per speciality760

product.liability.category	product.liability.speciality	Minimum policy limit (EUR)
family-medicine-general-practitioners	all supported specialities	12000
medical-specialists	all supported specialities	37000
surgical-specialists	all supported specialities	62000
dentists	all supported specialities	37000
paraclinical-specialists-biochemists-biologists	all supported specialities	10000
nurses-and-midwives	self-employed-independent-practice-nurses-and-midwives	20000
nurses-and-midwives	general-nurses-midwives-inpatient-facilities-emergency-units-ambulance	10000
nurses-and-midwives	nurses-and-midwives-primary-care-outpatient-clinics	4000
nurses-and-midwives	nurses-hygiene-public-health-forensic-institutes	no minimum
physiotherapists-kinesiotherapists	all supported specialities	20000
psychologists	all supported specialities	37000
pharmacists	all supported specialities	5000
pharmacy-assistants	all supported specialities	2000

Parameter	Type	Required	Description	Validation rules
product.additionalData.product.medicalUnit	string	Yes	Medical unit where the insured practices
product.additionalData.product.discount	number	No	Requested discount percentage	Defaults to 0 when omitted
product.additionalData.product.premiumIncrease	number	No	Requested premium increase percentage	Defaults to false
product.additionalData.product.isStaggeredPayment	boolean	No	Whether the premium is paid in staggered installments rather than as a single payment	Defaults to false
product.additionalData.product.anteriority.oneYear	boolean	No	One-year anteriority clause	Defaults to false
product.additionalData.product.anteriority.twoYears	boolean	No	Two-year anteriority clause	Defaults to false
product.additionalData.product.anteriority.startDate	date	Conditional	Start date of the anteriority clause	Format YYYY-MM-DD. Required when product.additionalData.product.anteriority.oneYear is true
product.additionalData.product.sublimit	integer	No	Sublimit percentage applied to the main insured risk	One of [10, 20, 25, 50]. Defaults to 10

6.5.2 Transform offer to policy

Business rules:

• payment.date must be on or after today's date.

• payment.documentNumber is not required; a document-number format rule still applies whenever one is supplied.

No other additional data is required.

6.6 Garanta - Malpraxis

6.6.1 Offer

Business rules:

• The product.liability.type field can only equal malpraxis.

• The product.liability.termTime must be exactly 12

• The product.liability.installmentCount field accepts values [1, 2, 4].

• product.liability.startDate must fall between tomorrow and today + 120 days

• product.liability.coverage.policyLimit.isIncluded is mandatory and must be true

• product.liability.coverage.policyLimit.value and coverage.moralClaims.value are checked against a per category/speciality liability-limit table: policyLimit.value must fall between that combination's standard limit (floor) and its measured ceiling, inclusive, and moralClaims.value must fall within that combination's min/max band.

• The product.liability.renewPolicy is mandatory when product.additionalData.product.liability.retroactivePeriod is set with 12-months or 24-months

• Name fields of product.policyholder and product.customer follow Garanta's limits: lastName, firstName and businessName must be strings of 2–100 characters, and companyRegistryNumber at most 20 characters

• The product.policyholder can only be a natural person.

• Address fields of product.policyholder.address and product.customer.address follow Garanta's limits: street at most 100 characters, houseNumber at most 12, building at most 15, staircase at most 10, apartment at most 8, and postcode must be exactly 6 digits.

• The product.liability.renewPolicy.series is mandatory to be equal to RCM if sent

• product.policyholder.mobileNumber is mandatory, and so is product.customer.mobileNumber whenever a separate customer is submitted

• The following coverage/condition elements are not supported at all and must be declined (omitted or false): perEvent, auxiliaryStaff, eScooter, extendedReportingPeriod, feesCompensation, conditions.locationCount, conditions.turnover, conditions.lossHistoryWithin5Years, conditions.claimsWithin3Years.

• product.additionalData.product.liability.secondSpeciality is required only when hasDualSpeciality is true

• product.additionalData.product.liability.retroactivePeriod, when submitted, must be one of none, 12-months, 24-months (default none).

• product.additionalData.product.policyholder.publicFunctionHeld is required when politicallyExposedPerson is true.

• product.additionalData.product.policyholder.share, when submitted, must be a number between 0 and 100 (default 100).

• A resident doctor (residentDoctor = true) cannot be combined with moral claims cover or a retroactive period: coverage.moralClaims.isIncluded must not be true and retroactivePeriod must be none (or omitted).

• product.additionalData.product.policyholder.publicFunctionHeld may be at most 200 characters.

Category/speciality liability limits1054

product.liability.category	product.liability.speciality	policyLimitMin (EUR)	policyLimitMax (EUR)	moralClaimsMin (EUR)	moralClaimsMax (EUR)
nurses-and-midwives	self-employed-independent-practice-nurses-and-midwives-alt	20000	20000	1000	2500
nurses-and-midwives	self-employed-independent-practice-nurses-and-midwives-neonatology	20000	20000	1000	2500
nurses-and-midwives	self-employed-independent-practice-nurses-and-midwives-obstetrics-gynecology	20000	20000	1000	2500
pharmacy-assistants	pharmacy-assistants	2000	5000	500	1000
pharmacists	open-circuit-pharmacists	5000	5000	1000	2500
pharmacists	closed-circuit-pharmacists	5000	5000	1000	2500
family-medicine-general-practitioners	family-medicine	12000	24000	2500	5000
family-medicine-general-practitioners	general-practitioners	12000	24000	2500	5000
surgical-specialists	cardiovascular-surgery	62000	124000	5000	10000
surgical-specialists	cardiac-and-major-vessel-surgery	62000	124000	5000	10000
surgical-specialists	general-surgery	62000	124000	5000	10000
surgical-specialists	oral-and-maxillofacial-surgery	62000	124000	5000	10000
surgical-specialists	pediatric-surgery	62000	124000	5000	10000
surgical-specialists	plastic-aesthetic-and-reconstructive-microsurgery	62000	124000	5000	10000
surgical-specialists	plastic-and-reparatory-surgery	62000	124000	5000	10000
surgical-specialists	thoracic-surgery	62000	124000	5000	10000
surgical-specialists	vascular-surgery	62000	124000	5000	10000
surgical-specialists	neurosurgery	62000	124000	5000	10000
surgical-specialists	pediatric-neurosurgery	62000	124000	5000	10000
surgical-specialists	obstetrics-and-gynecology-surgical	62000	124000	5000	10000
surgical-specialists	ophthalmology-surgical	62000	124000	5000	10000
surgical-specialists	orthopedics-and-traumatology	62000	124000	5000	10000
surgical-specialists	pediatric-orthopedics	62000	124000	5000	10000
surgical-specialists	otorhinolaryngology-ent-surgical	62000	124000	5000	10000
surgical-specialists	urology	62000	124000	5000	10000
medical-specialists	allergology-and-clinical-immunology	37000	74000	2500	5000
medical-specialists	anesthesia-and-intensive-care	37000	74000	2500	5000
medical-specialists	anesthesiologist-and-icu-specialist	37000	74000	2500	5000
medical-specialists	infectious-diseases	37000	74000	2500	5000
medical-specialists	cardiology	37000	74000	2500	5000
medical-specialists	pediatric-cardiology	37000	74000	2500	5000
medical-specialists	dermatovenereology	37000	74000	2500	5000
medical-specialists	diabetes-nutrition-and-metabolic-diseases	37000	74000	2500	5000
medical-specialists	endocrinology	37000	74000	2500	5000
medical-specialists	clinical-pharmacology	37000	74000	2500	5000
medical-specialists	gastroenterology	37000	74000	2500	5000
medical-specialists	pediatric-gastroenterology	37000	74000	2500	5000
medical-specialists	medical-genetics	37000	74000	2500	5000
medical-specialists	geriatrics-and-gerontology	37000	74000	2500	5000
medical-specialists	hematology	37000	74000	2500	5000
medical-specialists	emergency-medicine	37000	74000	2500	5000
medical-specialists	internal-medicine	37000	74000	2500	5000
medical-specialists	occupational-medicine	37000	74000	2500	5000
medical-specialists	school-medicine	37000	74000	2500	5000
medical-specialists	sports-medicine	37000	74000	2500	5000
medical-specialists	nephrology	37000	74000	2500	5000
medical-specialists	pediatric-nephrology	37000	74000	2500	5000
medical-specialists	neonatology	37000	74000	2500	5000
medical-specialists	neurology	37000	74000	2500	5000
medical-specialists	pediatric-neurology	37000	74000	2500	5000
medical-specialists	obstetrics-and-gynecology	37000	74000	2500	5000
medical-specialists	ophthalmology	37000	74000	2500	5000
medical-specialists	pediatric-ophthalmology	37000	74000	2500	5000
medical-specialists	medical-oncology	37000	74000	2500	5000
medical-specialists	pediatric-oncology-and-hematology	37000	74000	2500	5000
medical-specialists	otorhinolaryngology-ent	37000	74000	2500	5000
medical-specialists	pulmonology	37000	74000	2500	5000
medical-specialists	pediatric-pulmonology	37000	74000	2500	5000
medical-specialists	psychiatry	37000	74000	2500	5000
medical-specialists	pediatric-psychiatry	37000	74000	2500	5000
medical-specialists	radiotherapy	37000	74000	2500	5000
medical-specialists	rheumatology	37000	74000	2500	5000
dentists	dento-alveolar-surgery	37000	74000	2500	5000
dentists	dento-alveolar-and-maxillofacial-stomatological-surgery	37000	74000	2500	5000
dentists	endodontics	37000	74000	2500	5000
dentists	dental-prosthetics	37000	74000	2500	5000
dentists	orthodontics-and-dento-facial-orthopedics	37000	74000	2500	5000
dentists	periodontology	37000	74000	2500	5000
dentists	general-stomatology-and-pediatric-dentistry	37000	74000	2500	5000
dentists	pediatric-dentistry	37000	74000	2500	5000
dentists	dentist-stomatologist	37000	74000	2500	5000
dentists	dentist	37000	74000	2500	5000
dietitians-nutritionists	nutritionist-dietitian	5000	5000	1000	2500
ancillary-medical-service-providers	dietitian	5000	5000	1000	2500
physiotherapists-kinesiotherapists	physiotherapist-kinesiotherapist	20000	20000	1000	2500
physiotherapists-kinesiotherapists	physiotherapist-medical-recovery	20000	20000	1000	2500
physiotherapists-kinesiotherapists	kinesiotherapists-and-physio-kinesiotherapists	20000	20000	1000	2500
ancillary-medical-service-providers	laboratory-medicine-biochemist-biologist-physicist	10000	40000	1000	2500
paraclinical-specialists-biochemists-biologists	laboratory-medicine	10000	40000	1000	2500
paraclinical-specialists-biochemists-biologists	biochemists-biologists-chemists	10000	40000	1000	2500
paraclinical-specialists-biochemists-biologists	biologist	10000	40000	1000	2500
ancillary-medical-service-providers	psychologist	37000	74000	2500	5000
psychologists	psychologists-specialized-in-autism-spectrum-disorder	37000	74000	2500	5000
paraclinical-specialists-biochemists-biologists	pathological-anatomy	10000	20000	1000	2500
paraclinical-specialists-biochemists-biologists	epidemiology	10000	20000	1000	2500
paraclinical-specialists-biochemists-biologists	hygiene	10000	20000	1000	2500
paraclinical-specialists-biochemists-biologists	forensic-medicine	10000	20000	1000	2500
paraclinical-specialists-biochemists-biologists	nuclear-medicine	10000	20000	1000	2500
paraclinical-specialists-biochemists-biologists	medical-microbiology	10000	40000	1000	2500
paraclinical-specialists-biochemists-biologists	radiology-medical-imaging	10000	20000	1000	2500
paraclinical-specialists-biochemists-biologists	public-health-and-management	10000	20000	1000	2500
medical-specialists	public-health-and-health-management	10000	20000	1000	2500

Parameter	Type	Required	Description	Validation rules
product.additionalData.product.liability.residentDoctor	boolean	No	Resident doctor flag	Defaults to false
product.additionalData.product.liability.hasDualSpeciality	boolean	No	Whether the insured practices a second speciality	Defaults to false
product.additionalData.product.liability.secondSpeciality	string	Conditional	Canonical malpraxis speciality value for the second speciality	Required when hasDualSpeciality is true. Must differ from product.liability.speciality.
product.additionalData.product.liability.retroactivePeriod	string	No	Retroactive coverage period	One of none, 12-months, 24-months. Defaults to none.
product.additionalData.product.liability.claimsHistory	boolean	No	Prior claims history flag	Defaults to false
product.additionalData.product.liability.claimsHistoryDetails	string	No	Free-text claims history details
product.additionalData.product.policyholder.politicallyExposedPerson	boolean	No		Defaults to false
product.additionalData.product.policyholder.publicFunctionHeld	string	Conditional		Required when politicallyExposedPerson is true
product.additionalData.product.policyholder.occupation	string	No
product.additionalData.product.policyholder.profession	string	No
product.additionalData.product.policyholder.share	number	No	Insured's share/quota	Between 0 and 100. Defaults to 100

6.6.2 Transform offer to policy

Business rules:

• additionalData.payer.taxId and additionalData.payer.address (with street, houseNumber, county, city) become mandatory whenever additionalData.payer is submitted.

• additionalData.payer.businessName is required whenever it is present in the payload at all (a legal-entity payer cannot submit an empty businessName); for an individual payer, lastName/firstName are required whenever businessName is absent.

• additionalData.payer.taxId and additionalData.payer.address are also format-checked, using the same platform rules as the policyholder's own fields.

• additionalData.payer.taxId must be a valid CNP for an individual payer, or a valid CUI when payer.businessName is present.

• additionalData.payer.address.county must be a valid county code from the county nomenclature

• additionalData.payer.lastName, firstName and businessName must be strings of 2–100 characters, and companyRegistryNumber at most 20 characters

Parameter	Type	Required	Description	Validation rules
additionalData.payer	object	No	Person/entity the payment receipt should be issued to, instead of the insured
additionalData.payer.businessName	string	Conditional	Payer's legal entity name
additionalData.payer.companyRegistryNumber	string	No	Payer's company registry number
additionalData.payer.lastName	string	Conditional	Payer's last name
additionalData.payer.firstName	string	Conditional	Payer's first name
additionalData.payer.taxId	string	Yes, if additionalData.payer is present	Payer's CNP/CUI
additionalData.payer.address	object	Yes, if additionalData.payer is present	Payer's address
additionalData.payer.address.street	string	Yes, if additionalData.payer.address is present
additionalData.payer.address.houseNumber	string	Yes, if additionalData.payer.address is present
additionalData.payer.address.county	string	Yes, if additionalData.payer.address is present
additionalData.payer.address.city	string	Yes, if additionalData.payer.address is present
additionalData.premiumAdjustment	number	No	Increased premium amount