Implementation manual for client communication with the web service.
| Version | Date | Description |
|---|---|---|
| 1.0.8 | 2025-03-25 | • New endpoint: GET policy?series=\{series\}&number=\{number\} |
| 1.0.7 | 2025-02-06 | • The following nomenclatures have been updated (the old endpoints will remain available for a period but will be removed in the future): • /nomenclature/eurolife/travel/gestionari → /nomenclature/eurolife/travel/managers • /nomenclature/allianz/voiaj/organizatii → /nomenclature/allianz/voiaj/organizations • Package names have been made more user-friendly. • A validation was introduced which does not allow the sending of the destination country outside of Europe if areaOfValidity=3 (Europe).• Fix: • Allianz Unit group offer • Fixed Generali transform policy errors |
| 1.0.6 | 2024-12-04 | • The type of the parameter additionalData.coverage.sports.extremeCompetitionSports has been changed from string to number • Colonnade: Removed coverage for roadside assistance for Europe (areaOfValidity: 3) and for the destination Ukraine (areaOfValidity: 2, destination: UA) • Generali: Added a new validation: when group_type=family there must be a minimum of 2 policyholders • Asirom: For the purpose of work travel, only the Simplu package will be returned • Mondial Assistance: Improved package filtering, filtering is based on additionData.tariffType (family or individual) |
| 1.0.5 | 2024-10-28 | The product.travel.startDate accepts the current day (with some exceptions, see below @ Groupama). |
| 1.0.4 | 2024-08-08 | New field added for Allianz Voiaj • product.additionalData.coverage.stornoCosts.travelStartDate The field: • product.additionalData.coverage.stornoCosts.startDate is now deprecated. |
| 1.0.3 | 2024-05-09 | New Product implementation: • Colonnade Travel |
| 1.0.2 | 2024-04-24 | New Product implementation: • Omniasig Medicas |
| 1.0.1 | 2023-12-22 | New Product implementation: • SignalIduna PostTravel |
| 1.0.0 | 2023-03-16 | Initial version |
1. Introduction
The TravelAPI 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)
In order to receive the credentials (both QA and PRODUCTION), the OPERATOR needs the IPs and the application name (or website) from which the services will be accessed.
The service has an integration with the 24Broker application, and policies issued through the API will be automatically transferred to 24Broker. For this, the 24Broker instance and the email address of the account where the transfer is desired must be specified.
Attention! Changing the configured email address may result in policies not being transferred. In other words, if the email address of the account (24Broker) configured in the service is changed, then a request to modify the address in the API must be made.
Environments:
-
test/development: https://travel-qa.api.lifeishard.ro/ - this is a test environment, where are available latest changes
-
production: https://travel.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://app.swaggerhub.com/apis-docs/Life-is-Hard3/travel.api.lifeishard.ro/
1.1. Implemented products
- Products which are under development (there are not available in production) - Products which support group offer - Products which support quick offer
| Insurer | Product | Packages | Identifiers | Features |
|---|---|---|---|---|
| Signal Iduna | Travel | insurer: signal_idunaproduct: SignalTravel | ||
| PostTravel | insurer: signal_idunaproduct: PostTravel | |||
| Eurolife | Travel | insurer: eurolifeproduct: Travel | ||
| Allianz | Voiaj | • A - World wide besides US, CA and RO • B - World wide besides RO • C - BG, GR, TU, IT, ES, PR, ML, HR, CY (Bulgaria, Greece, Turkey, Italy, Spain, Portugal, Malta, Croatia, Cyprus) | insurer: allianzproduct: Voiaj | |
| Multitravel | Planul 1 Planul 2 | insurer: allianz product: Multitravel | ||
| Asirom | Easy Travel | • Sigur • Simplu | insurer: asiromproduct: EasyTravel | |
| Generali | Travel | • Turist • Turist Plus Premium • Turist (Studii) • Turist Economic • Profesional | insurer: generaliproduct: Travel | |
| Groupama | TravelHealth | insurer: groupamaproduct: TravelHealth | ||
| Uniqa | Travel | • Plan A (EU for travel and business) • Plan B (World Wide without US and CA) • Plan C (World Wide with US and CA) • Plan D (EU for work) | insurer: uniqaproduct: Travel | |
| Omniasig | SafeTravel | • Premium EU • Standard EU • Basic EU • Premium Plus EU • Premier • Standard • Basic • Premier Plus | insurer: omniasigproduct: SafeTravel | |
| Medicas | • Program de asigurare A - 5000 EURO • Program de asigurare B - 10000 EURO • Program de asigurare C - 30000 EURO • Program de asigurare D - 50000 EURO | insurer: omniasigproduct: Medicas | ||
| Mondial Assistance | Travel | • RO My Safe 365 Active Family 2205 • RO My Safe 365 Active Individual 2205 • RO My Safe 365 Family 2205 • RO My Safe 365 Individual 2205 • RO My Safe Essential Family 2205 • RO My Safe Essential Individual 2205 • RO My Safe Essential Long Trip Family 2205 • RO My Safe Essential Long Trip Individual 2205 • RO My Safe Full Family 2205 • RO My Safe Full Individual 2205 • RO My Safe Optim Family 2205 • RO My Safe Optim Individual 2205 • RO My Safe Optim Long Trip Family 2205 • RO My Safe Optim Long Trip Individual 2205 • RO My Safe Travel Family 2205 • RO My Safe Travel Plus Family 2205 • RO My Safe Travel Plus Individual 2205 • RO My Safe Storno Individual 2205 • RO My Safe Storno Plus Individual 2205 • RO My Safe Storno Object 2205 • RO My Safe Storno Plus Object 2205 • RO My Safe Storno Luxury Individual 2205 • RO My Safe Storno Luxury Plus Individual 2205 • RO My Safe Storno Luxury Object 2205 • RO My Safe Storno Luxury Plus Object 2205 | insurer: mondial_assistanceproduct: Travel | |
| Allianz Unit DISCONTINUED from 01.07.2025 | Travel | • Travel • MyTravel | insurer: allianz-unitproduct: Travel | |
| Colonnade | Travel | • Asigurare pentru Anularea Calatoriei Silver • Asigurare pentru Anularea Calatoriei Gold • Asigurare Calatorie Internationala in Strainatate Silver • Asigurare Calatorie Internationala in Strainatate Gold • Asigurare Calatorie Internationala in Strainatate Platinum • Asigurare Anuala de Calatorie in Strainatate Silver • Asigurare Anuala de Calatorie in Strainatate Gold • Asigurare Anuala de Calatorie in Strainatate Platinum | insurer: colonnade product: Travel | |
| Phoenix | Travel | • Premium • Standard | insurer: phoenix product: Travel |
1.2. Workflow
Creating policy:
-
Authentication Obtain a JWT token using credentials provided by OPERATOR
-
Create offer the response includes the [offerID] – this id will be needed in the following requests
-
Transform offer to policy use [offerID] from the offer step for policy to get the policy data
-
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 |
The validation messages are set by default in English. To change the language of the validation messages to Romanian, add the following parameter in the request header: Content-Language, with the value: ro.
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. Deauthenticate account
Endpoint: DELETE /auth
This method is used to deauthenticate an existing and valid auth token.
3. Create offer
3.1 Quick offer
Endpoint: POST /quick-offer
Supported products: see Implemented Products table at 1.1, column Features & legend below table
Business rules are same as normal offer’s business rules
3.1.1. Request
3.1.1.1. Input parameters
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| provider | object | Yes | Informations 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 | No | Credentials to access insurer’s web service | |
| provider.authentication.account | string | No | Account | • in DEV / QA environment these fields can be sent empty to use default test credentials |
| provider.authentication.password | string | No | Password | |
| provider.authentication.code | string | No | Code | |
| product | object | Yes | Informations related to the product | |
| product.name | string | Yes | Product identifier (see 1.1. → Identifiers) | |
| product.currency | string | Yes | Currency | Accepted values: RON |
| product.travel | object | Yes | Informations related to the travel | |
| product.travel.startDate | string | Yes | The effective date of the policy | • Accepted format: YYYY-MM-DD • The date must be the current date or in the future. |
| product.travel.duration | number | Yes | Policy validity in number of days | |
| product.travel.notes | string | No | Notes | |
| product.travel.purpose | string | Yes | The purpose of the trip | Accepted values: travel, business, work, studies |
| product.travel.areaOfValidity | number | Yes | 2 => destination country must be specified in the destination field 3 => Europe 4 => World Wide (including US and Canada) 5 => World Wide (excluding US and Canada) | Accepted values: 2, 3, 4 , 5 |
| , product.travel.destination | string | Yes if areaOfValidity = 2 | Destination country iso2 code | Accepted values: iso2 codes from /nomenclature/country nomenclature If areaOfValidity is 3 and destination is present, then it must be a country in Europe. |
| product.travel.transportationMethod | string | Yes | Transport means | Accepted values: plane, plane_rental_car, personal_car, ship, bus, other |
| product.travel.groupType | string | No | Group type | Accepted values: individual, group, family |
| product.travel.coverage | Coverage object | Yes | List of included coverages | |
| product.policyholder | SimplePerson object or an array of SimplePerson objects | Yes | Policyholder’s data | |
| product.additionalData | object | No | Product related additional informations | 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 |
| agreements | object | No | ||
| agreements.gdpr | boolean | No | Person agrees with the european GDPR | |
| agreements.marketing | boolean | No | Person agrees with marketing policies |
SimplePerson object
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| lastName | string | No | Individual person's last name | |
| firstName | string | No | Individual person's first name | |
| taxId | string | No | Personal identification code for natural persons | It must be a valid Romanian CNP |
| birthdate | string | Yes | Date of birth | • Accepted format: YYYY-MM-DD • The date must be in the past. |
Product specific additionalData parameters
Eurolife Travel
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| discountCode | string | No | Discount code which would be applied to the | |
| eurolifeArea | string | Yes | Individual person's first name | Value from POST endpoint nomenclature/eurolife/travel/gestionari |
SignalIduna Travel
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| peopleGroup | string | No | Group type | Values from [Nu, Intre10Si20, Peste20] Default value: Nu |
| clauseTreatmentContinuationInRomania | boolean | No | Clause for continuation of treatment in Romania |
Allianz Voiaj
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| coverage.personalAccidents.isIncluded | string | Yes | Should personal accidents be included | |
| coverage.personalAccidents.sumInsured | string | Yes, if coverage.personalAccidents.isIncluded is true |
Omniasig SafeTravel
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| product.customer | object | Yes | ||
| product.customer.taxId | string | Yes | ||
| product.customer.address | object | Yes | ||
| product.customer.address.county | string | Yes | ||
| product.customer.address.city | string | Yes |
Groupama TravelHealth
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| product.travel.coverage.tripExtensionInterruption.isIncluded | boolean | No | ||
| product.travel.coverage.sports.includeWinterSports | boolean | Yes, if product.travel.coverage.sports.isIncluded is true | ||
| product.travel.coverage.sports.includeSummerSports | boolean | es, if product.travel.coverage.sports.isIncluded is true |
Mondial Assitance Travel
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| tripType | string | No | Values from [one-way, annual] Default value: one-way | |
| tariffType | string | No | Values from [single, object, family] Default value: single | |
| departureCountry | string | No | Accepts any iso2 code from nomenclature /nomenclature/country Default value: RO | |
| additionalDestinations | array | No | An array of country codes | Accepts any iso2 code from nomenclature /nomenclature/country |
| coverage | object | No | ||
| coverage.stornoCosts.bookingDate | date | Yes, if product.travel.coverage.stornoCosts.isIncluded is true | ||
| coverage.stornoCosts.tripValueType | string | Yes, if product.travel.coverage.stornoCosts.isIncluded is true | Values from [perPerson, perTrip] |
3.2 Normal offer
Endpoint**:** POST /offer
3.2.1. Request
3.2.1.1. Input parameters
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| provider | object | Yes | Informations 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 | No | Credentials to access insurer’s web service | |
| provider.authentication.account | string | No | Account | • in DEV / QA environment these fields can be sent empty to use default test credentials |
| provider.authentication.password | string | No | Password | |
| provider.authentication.code | string | No | Code | |
| product | object | Yes | Informations related to the product | |
| product.name | string | Yes | Product identifier (see 1.1. → Identifiers) | |
| product.currency | string | Yes | Currency | Accepted values: RON |
| product.travel | object | Yes | Informations related to the travel | |
| product.travel.startDate | string | Yes | The effective date of the policy | • Accepted format: YYYY-MM-DD • The date must be the current date or in the future. |
| product.travel.duration | number | Yes | Policy validity in number of days | |
| product.travel.notes | string | No | Notes | |
| product.travel.purpose | string | Yes | The purpose of the trip | Accepted values: travel, business, work, studies |
| product.travel.areaOfValidity | number | Yes | 2 => destination country must be specified in the destination field 3 => Europe 4 => World Wide (including US and Canada) 5 => World Wide (excluding US and Canada) | Accepted values: 2, 3, 4 |
| product.travel.destination | string | Yes if areaOfValidity = 2 | Destination country iso2 code | Accepted values: iso2 codes from /nomenclature/country nomenclature |
| product.travel.transportationMethod | string | Yes | Transport means | Accepted values: plane, plane_rental_car, personal_car, ship, bus, other |
| product.travel.groupType | string | No | Group type | Accepted values: individual, group, family |
| product.travel.coverage | Coverage object | Yes | List of included coverages | |
| product.travel.intermediaryEmail | string | No | Agent’s email | Must be valid email address |
| product.customer | Person object | No | Contractor’s data | |
| product.policyholder | Person object or an array of Person objects | Yes | Policyholder’s data | |
| product.additionalData | object | No | Product related additional informations | Must be completed according to the Product specific parameters section |
| product.additionaData.rafCode | string | No | Fromat: RAFNNNNN (max. 10 digits) | |
| agreements | object | No | ||
| agreements.gdpr | boolean | No | Person agrees with the european GDPR | |
| agreements.marketing | boolean | No | Person agrees with marketing policies |
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 | Company registry number (if the person is a legal entity) | ||
| 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. It is false by default. | |
| 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 minimum 7 and maximum 20 characters • The phone number can only contain numbers, as special characters are accepted: +, ., () and space |
| identification | object | No | Informations related to the identification document | |
| identification.idType | string | No | Type of the identification document | Accepted values: CI, PASSPORT |
| identification.idNumber | string | No | Series and number of the identification document | |
| identification.issueAuthority | string | No | Issuer of the identification document | |
| identification.issueDate | string | No | Issuing date of the identification document | Accepted format: YYYY-MM-DD |
| address | Address object | No | Person’s home address | |
| correspondenceAddress | Address object | No | Person’s correspondence address |
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 Except when country is not RO |
| city | string | Yes | Locality name | Accepted values: any name from /nomenclature/locality/{cod_judet} nomenclatureExcept when country is not RO |
| cityCode | number | Yes | Locality code | Accepted values: any siruta code from /nomenclature/locality/{cod_judet} nomenclatureNot required when country is RO |
| street | string | Yes | Street | Not required when country is RO |
| houseNumber | string | Yes | House number | Not required when country is RO |
| building | string | No | Building | |
| staircase | string | No | Staircase | |
| apartment | string | No | Apartment | |
| floor | string | No | Floor | |
| postcode | number | No | Postcode |
Coverage object
Include only the coverages that you want to be covered.
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| base | object | Yes | ||
| base.isIncluded | boolean | Yes | Must be true | |
| base.sumInsured | number | Yes | The maximum insured amount in EUR | Accepted values: 10000, 30000, 50000 |
| baggageLoss | object | No | Baggage loss coverage | |
| baggageLoss.isIncluded | boolean | Yes | ||
| isIncluded.sumInsured | number | Yes if baggageLoss.isIncluded is true | The maximum insured amount in EUR | |
| sports | object | No | Sport and activity coverage | |
| sports.isIncluded | boolean | Yes | ||
| sports.sumInsured | number | No | The maximum insured amount in EUR | |
| flightDelay | object | No | Flight delay coverage | |
| flightDelay.isIncluded | boolean | Yes | ||
| flightDelay.sumInsured | number | No | The maximum insured amount in EUR | |
| travelLiability | object | No | Travel liability coverage | |
| travelLiability.isIncluded | boolean | Yes | ||
| travelLiability.sumInsured | number | Yes if travelLiability.isIncluded is true | The maximum insured amount in EUR | |
| stornoCosts | object | No | Trip cancellation coverage | |
| stornoCosts.isIncluded | boolean | Yes | ||
| stornoCosts.sumInsured | number | Yes if stornoCosts.isIncluded is true | The maximum insured amount in EUR | |
| roadsideAssistance | object | No | Roadside assistance coverage | |
| roadsideAssistance.isIncluded | boolean | Yes | ||
| roadsideAssistance | Vehicle object | Yes if roadsideAssistance.isIncluded is true |
Vehicle object
| Parameter | Type | Required | Description |
|---|---|---|---|
| brand | string | No | The business entity that produced the vehicle |
| model | string | No | Vehicle’s model |
| vin | string | Yes | Vehicle identification number |
| licensePlate | string | Yes | License plate number |
| seats | number | No | Number of seats |
| totalWeight | number | No | The maximum amount of weight the vehicle can safely carry |
| yearOfConstruction | number | No | Vehicle’s production year |
3.2.1.2. Business rules
-
The contractor can be a legal entity or an individual over the age of 18
-
If the contractor is not specified, the first person in the 'insured' category over the age of 18 will be selected
-
The insured party for TRAVEL products can only be an individual (person) and not a legal entity
3.2.2. Response
The object structure returned in the data field is described in this section.
| 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 objects | A list of generated offers, which can include offers generated successfully and/or offers generated with errors. |
Offer object
In case of successfully generated offer:
| Parameter | Type | Description |
|---|---|---|
| package | object | Informations related to the package |
| package.code | string | Package identifier |
| package.name | string | Package name (defined by insurer) |
| offerId | number | Unique identifier of the offer.Use this to transform the offer into a policy. |
| premiumAmount | number | Premium amount defined in the currency returned in currency field |
| currency | string | Currency |
| exchangeRate | array of PremiumRate objects | List of premiumAmount expressed in other currencies |
| payment | object | Informations related to the payment |
| payment.amount | number | Amount that should be paid |
| payment.currency | string | The currency in which the payment should be made |
| coverage | ResponseCoverages object | The object will contain only the included coverages and the maximum insured amounts in EUR for each coverage |
| startDate | string | The start date of the policy |
| endDate | string | The end date of the policy |
| productInformationDocument | string | URL to PID document |
| termsAndConditions | string | URL to insurance terms and conditions |
| notes | string | Notes |
| providerResponse | object | Insurer’s original response |
In case of erroneous offer:
| Parameter | Type | Description |
|---|---|---|
| package | object | Informations related to the package |
| package.code | string | Package identifier |
| package.name | string | Package name (defined by insurer) |
| errorMessage | string | Error description |
PremiumRate object
| Parameter | Type | Description |
|---|---|---|
| currency | string | Currency |
| amount | number | Amont |
| exchangeRate | number | Exchange rate |
ResponseCoverages object
| Parameter | Type | Description |
|---|---|---|
| base | object | |
| base.sumInsured | number | The maximum insured amount in EUR |
| baggageLoss | object | Baggage loss coverage |
| baggageLoss.sumInsured | number | The maximum insured amount in EUR |
| sports | object | Sport and activity coverage |
| sports.sumInsured | number | The maximum insured amount in EUR |
| flightDelay | object | Flight delay coverage |
| flightDelay.sumInsured | number | The maximum insured amount in EUR |
| travelLiability | object | Travel liability coverage |
| travelLiability.sumInsured | number | The maximum insured amount in EUR |
| stornoCosts | object | Trip cancellation coverage |
| stornoCosts.sumInsured | number | The maximum insured amount in EUR |
| roadsideAssistance | object | Roadside assistance coverage |
| roadsideAssistance.sumInsured | number | The maximum insured amount in EUR |
3.3 Asynchronous offer
Endpoint: POST /async-offer
This endpoint allows clients to submit offer requests without waiting for immediate processing, enabling efficient handling of large volumes of data and reducing client-side latency. The client will receive a correlation ID that can be used to track the status of the request.
The generated offers will be send on a callback URL with the correlation ID generated at request initiation.
3.3.1 Request
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| insurerProductList | array of InsurerProduct objects | Yes | List of products for which client wants to generate an offer | |
| product | object, same as normal offer request’s product parameter | Yes | Informations related to the product Notes: • the object must not contain the product.name parameter because it's already provided in insurerProductList • product.additionalData must contain all product specific informations for all products mentioned in insurerProductList | |
| callbackUrl | string | No | URL from the calling system to which a POST call will be made after generating each offer. Callback URL must be provided either with the account creation request either it must be included in this request. | |
| timeout | number | No | Number of seconds until calls will be made to the insurer’s services. After timeout expires, no more offer will be generated. If timeout is not provided in request, then default timeout will be used, which is configurable in the API. Provided timeout must be less than or equal to default timeout (300 sec). | |
| allowGroupOffer | boolean | No | • If true, then for the products that support group offers, we generate group offers; for the rest, we generate individual offers. • If false or missing from the request, we generate individual offers for all products. | Default value: false |
InsurerProduct object
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| provider | object | Yes | Informations 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 | No | Credentials to access insurer’s web service | |
| provider.authentication.account | string | No | Account | • in DEV / QA environment these fields can be sent empty to use default test credentials |
| provider.authentication.password | string | No | Password | |
| provider.authentication.code | string | No | Code | |
| product | object | Yes | Informations related to the product | |
| product.name | string | Yes | Product identifier (see 1.1. → Identifiers) |
3.3.2 Response
The object structure returned in the data field is described in this section.
| Parameter | Type | Description |
|---|---|---|
| correlation_id | string | It will be included in each callback’s POST data. |
3.3.3 Callback’s POST data
Same as normal offer’s response, completed with the following parameters:
| Parameter | Type | Description |
|---|---|---|
| correlation_id | string | Correlation ID from async offer’s response |
| responseAdditionalData | object | Additional informations |
| responseAdditionalData.provider | object | Informations related to the insurer |
| responseAdditionalData.provider.organization | object | Insurer’s data |
| responseAdditionalData.provider.organization.businessName | string | Insurer identifier (see 1.1. → Identifiers) |
| responseAdditionalData.product | object | Informations related to the product |
| responseAdditionalData.product.name | string | Product identifier (see 1.1. → Identifiers) |
| responseAdditionalData.policyholder | array of objects | List of policyholders included in the generated offer |
| responseAdditionalData.policyholder.*.taxId | string | sha1 hash calculated from policyholder’s tax ID. |
4. Transform offer to policy
Endpoint: POST /policy
For repeated requests using the same offer ID, the response will return the policy that was saved during the first request. If the policy has already been issued, a new one will not be created.
4.1. Request
4.1.1. Input parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
| offerId | number | Yes | Unique identifier of the offer (offerId from Offer object) |
| payment | Payment object | Yes | Payment details |
| additionalData | object | No (depending on the product) | 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 RON | |
| date | string | Yes | Payment date | Accepted format: YYYY-MM-DD |
| documentNumber | string | Yes * except for thereceipt method | Payment proof document details | Payment document number, receipt serial number, or RRN for card payments. |
4.1.2. Business rules
4.2. Response
The object structure returned in the data field is described in this section.
| Parameter | Type | Description |
|---|---|---|
| policies | array of Policy objects | A list of issued policies, which can include policies successfully and/or with errors. |
Policy object (in case of successfully issued policy)
| Parameter | Type | Description |
|---|---|---|
| provider | object | |
| provider.organization | object | |
| provider.organization.businessName | string | Insurer identifier |
| product | object | |
| product.name | string | Product identifier |
| policyId | number | Unique identifier of the issued policy |
| series | string | Policy series |
| number | number | Policy number |
| payment | ResponsePayment object | |
| startDate | string | Policy start date |
| endDate | string | Policy end date |
| premiumAmount | number | Value of the policy |
| currency | string | Policy value currency |
| providerResponse | object | Insurer’s original response |
ResponsePayment object
| Parameter | Type | Description |
|---|---|---|
| method | string | Payment method sent to insurer (mapped to insurer’s payment methods) |
| currency | string | The currency in which the payment was made |
| amount | number | Paid amount |
| date | string | Payment date |
| documentNumber | string | Payment proof document details |
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 in the response of transform offer into policy call to access the download feature.
5.2.2 By policy series and number
Endpoint: GET /policy?seriex={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.
In case that the policy was issued with payment.method type receipt the receipt file will be listed as a separate file in the endpoints result with the type equal to Receipt.
For some insurers the receipt will be attached to the issued policy.
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. Signal Iduna Travel
This product does not have an offer PDF document which can be downloaded.
The request input field policyholder.*.mobileNumber and customer.mobileNumber (if customer present) is required.
If the policyholder.*.address.country, policyholder.*.correspondenceAddress.country, customer.address.country or customer.correspondenceAddress.country (if customer is present) is not specified the default value is set to RO.
6.1.1. Offer
| Parameter | Description | Validation rules |
|---|---|---|
| renewPolicy.series | Series of the renewed policy | Required if renewPolicy.number is set |
| renewPolicy.number | Number of the renewed policy | Required if renewPolicy.series is set |
| clauseTreatmentContinuationInRomania | Clause for continuation of treatment in Romania. | Boolean value (1, 0, true, false). |
| product.customer.legalRepresentative | Legal representative of the company | Required if customer is legal person |
Business Rules:
-
The maximum
product.travel.durationis91days. -
This product allows for a maximum of 20 policyholder.
-
If the policyholder is a minor, then the customer is mandatory.
-
Coverage for sports activities (
product.trave.coverage.sports) can only be included if the purpose of the trip istravel. -
The maximum amount insured for baggage coverage (
product.trave.coverage.baggageLoss) is2000 RON. -
The product does not cover
product.trave.coverage.flightDelay,product.trave.coverage.travelLiability,product.trave.coverage.stornoCostsandproduct.trave.coverage.roadsideAssistancethese values have to be set to false/0 -
Legal representative of the customer (
product.additionalData.product.customer.legalRepresentative) is mandatory if customer is legal person. -
Staircase (
product.customer.address.staircaseandproduct.policyholder.*.address.staircase) must not be greater than 6 characters. -
If
'product.customer.isForeignPerson'or'product.policyholder.*.isForeignPerson'are set, they myst befalse
6.1.2. Transform offer
| Parameter | Description | Validation rules |
|---|---|---|
| payer.taxId | ID number (CNP/CUI) of payer | The value has to be present in the original offer request product.customer or product.policyholder list. |
Business rules:
-
The payer should only be included in "additional information" (
additionalData) if a receipt needs to be issued in a name other than the insured person's. -
The field value
additionalData.payer.taxIdhas to be present in the original offer request in thecustomerorpolicyholderlist
6.2. Eurolife Travel
6.2.1 Offer
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| discountCode | string | No | Discount code | |
| eurolifeArea | string | Yes | The insurance manager code. | Accepted values: any id from /nomenclature/eurolife/travel/managers nomenclature Ex: Eurolife_0, Eurolife_1, Eurolife_2, Eurolife_3, Eurolife_4 |
| product | object | No | ||
| product.customer | object | No | Customer related additional data | |
| product.customer.resident | boolean | No | Indicates if person is resident | Default value: true |
| product.policyholder | EurolifeTravelPolicyholderAdditionalData object or array of EurolifeTravelPolicyholderAdditionalData objects | No | Policyholder(s) related additional data |
EurolifeTravelPolicyholderAdditionalData object
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| taxId | string | Yes | Value used as a linking key with the item / items defined in the product.policyholder parameter. | If the value does not exist in the product.policyholder parameter than it will be ignored. |
| resident | boolean | No | Indicates if person is resident | Default value: true |
Business rules:
-
The maximum insurance period is
29 -
The product requires at least
1and at most20policyholders. -
The product does not cover
flightDelayclauses. This option must be excluded from offer request’s coverage list or they must be send withisIncludedparameter set tofalse/0 -
agreements.gdprandagreements.marketingparameters are required. If one of them is set tofalse/0an offer will be generated but it cannot be transformed to policy. -
birthdatebecomesrequiredwhenresidentis set tofalse -
The start date of the trip must be no more than one year later than the current date.
6.2.2 Transform Offer
No extra data needs to be specified here.
Business rules:
- The
payment.methodoptionreceiptis not supported by the insurer
6.3. Asirom Easy Travel
The request input field product.travel.groupType has the following validation rules implemented:A
-
individual→ there has to be only one person inproduct.policyholder -
family→ there has to be 2 - 9 persons inproduct.policyholder -
group→ there has to be 10 - 50 persons inproduct.policyholder -
if the field is empty or not sent in the request the field will be set to the correct value matching the number of
product.policyholder
The request input field product.customer.nationality (if product.customer exists) and product.policyholder.*.nationality is required to have the value RO (if field does not exists default value is RO).
The request input field product.customer.isForeignPerson (if product.customer exists) and
product.policyholder.*.isForeignPerson is required to have the value 0.
6.3.1. Offer
| Parameter | Description | Validation rules |
|---|---|---|
| discount | Discount percentage | Maximum accepted value is 90 |
| discountReason | Discount reason | Required if discount > 0 |
| multiTrip | MultiTrip option | Boolean value (1, 0, true, false) |
| insuredInCountry | Boolean value (1, 0, true, false)Defaults to true if not set. | |
| partnershipAuctionAgreement |
partnershipAuctionAgreement object
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| policyType | string | No | Policy Type | Accepted values: Auction, Leasing and partnerships, Simple, Affinity |
| leasingType | string | Yes, if policyType is Leasing si Parteneriate | Leasing Type | Accepted values: Financial leasing, Operational leasing, Other partnerships |
| auctionNumber | string | Yes, if policyType is Licitatie | ex: LX111 | |
| isPartnership | boolean | Yes, if policyType is Leasing si Parteneriate | ||
| partnershipNumber | string | Yes, if isPartnership is true or 1 | ex: LX111 |
Business rules:
-
The product can only be issued for romanian nationalities.
-
The maximum
product.travel.durationis364days. -
The
product.policyholder.*.addressis required; ifproduct.customerobject is set then theaddressis required. -
The cancellation coverage (
product.travel.coverage.stornoCosts) can be included at least 5 days before the policy start date, respectively the start date of the trip. -
The cancellation coverage (
product.travel.coverage.stornoCosts) cannot be selected simultaneously with theproduct.additionalData.multiTripoption. -
The cancellation coverage (
product.travel.coverage.stornoCosts) cannot be selected if the purpose of the trip is study or work. -
The product does not cover
product.trave.coverage.roadsideAssistance -
The
product.additionalData.multiTripoption can be selected only if the destination is Europe or a country in Europe. -
The
product.additionalData.multiTripoption can be selected only if the insured amount is30000 EUR. -
The
product.additionalData.multiTripoption can be selected only if the purpose of the trip is travel or business. -
The
product.additionalData.multiTripoption is not covered by theSigurpackage. -
Simplupackage -
Sigurpackage -
If the stronoCosts coverage is included the
product.travel.startDatehas to be atleast 5 days in the future -
The fields
product.customer.taxIdandproduct.policyholder.*.taxIdin case of individual persons only accepts Romanian issued identification numbers format
6.3.2. Transform offer
No extra data needs to be specified here.
6.4. Allianz Voiaj
The following fields are required for this product:
-
product.customer.emailifproduct.customerexists -
product.customer.mobileNumberifproduct.customerexists -
product.policyholder.*.email -
product.policyholder.*.mobileNumber -
poduct.policyholderaccepts only 1 person
6.4.1 Offer
| Parameter | Description | Validation rules |
|---|---|---|
| product.coordonatorId | An unique identifier assigned to the ALLIANZ agent that is creating the offer. Valid values can be looked up using /nomenclature/allianz/voiaj/organizations endpoint | |
| product.recommenderTaxId | Persons CNP that recommended the insurer (possible discount on ALLINAZ side) | If exists has to be a valid CNP |
| product.protocolId | An unique identifier assgined by ALLIANZ | |
| coverage.stornoCosts.travelStartDate | Start date of the travel. | Required if product.travel.coverage.stornoCosts.isIncluded is 1/true. The date has to be after current date and at least one day after product.travel.startDate |
| coverage.personalAccidents.isIncluded | In case personal accidents should be insured | Required boolean value (1, 0, true, false). |
| coverage.personalAccidents.sumInsured | Value which will be applied to this insurance cover | Required if coverage.personalAccidents.isIncluded is 1/true |
| medic | Insured persons medics contact information details. Structure is the same as the Person object from 3.1.1 |
Business rules:
-
The insurance period has to be between
2and365days -
The destination has to be specified,
which meansproduct.travel.areaOfValidityhas to equal2. -
The field
product.travel.coverage.base.sumInsuredwill be mapped to closest value between 30000 EUR or 50000 EUR -
The field
product.additionalData.coverage.personalAccidents.sumInsuredwill be mapped to closest value between 0, 1000, 2500, 5000 EUR -
The field
product.travel.coverage.baggageLoss.sumInsuredwill be mapped to closest value between 0, 750, 1000 EUR -
The field
product.travel.coverage.travelLiability.sumInsuredwill be mapped to closest value between 0, 5000, 10000 EUR -
The product does not cover
product.travel.coverage.flightDelayandproduct.travel.coverage.roadsideAssistance, these values have to be set to false/0 -
The values from
product.travel.sports.flightDelay.sumInsuredandproduct.travel.stornoCosts.flightDelay.sumInsuredare ignored, only validation that is applied is that they need to be numeric and greater or equal to1ifincludeis set to true/1 -
The fieldproduct.travel.areaofValidityonly accepts the value2 -
Depending on the
product.travel.desinationvalue this product has three possible packages -
All countries except the USA, Canada, Romania and the country of residence of the Insured
-
All countries except Romania and the country of residence of the Insured
-
Bulgaria, Greece, Turkey, Italy, Spain, Portugal, Malta, Croatia, Cyprus, with the exception of the Insured's country of residence
-
The
product.travel.startDatemust be within 30 days from the current day. -
The field
product.travel.areaOfValiditymust be in [2, 3, 4, 5]. -
In case the stornoCosts coverage is included the
product.additionalData.coverage.stornoCosts.travelStartDatehas to be atleast 1 days in the future compared toproduct.travel.startDate
Available Packages
-
Package A
-
product.travel.purposeis one of [travel,bussiness,work,studies] -
product.travel.areaOfValidityis2or 3andproduct.travel.destinationis any country excludingUS,CAandRO -
optional coverage
baggageLoss,travelLiability,stornoCostsandsports -
Package B
-
product.travel.purposeis one of [travel,bussiness,work,studies] -
product.travel.areaOfValidityis2or 3andproduct.travel.destinationis any country excludingRO -
optional coverage
baggageLoss,travelLiability,stornoCostsandsports -
Package C
-
product.travel.purposeis one of [travel,bussiness,work,studies] -
product.travel.areaOfValidityis2or 3andproduct.travel.destinationis any country from the following [BG,GR,TU,IT,ES,PR,ML,HR,CY] (Bulgaria, Greece, Turkey, Italy, Spain, Portugal, Malta, Croatia, Cyprus) and excluding the country of residence of the issured -
optional coverage
baggageLoss,travelLiability,stornoCostsandsports
6.4.2 Transform offer
| Parameter | Description | Validation rules |
|---|---|---|
| numberOfInstallments | Number of payment installments. For the insurance policy. | If set has to be integer greater then 0. Default value 1. Note:The accepted value is set by the insurer company on an account level. It might not allow values greater then 1. |
Business rules:
- The
payment.methodoptionreceiptis not supported by the insurer
6.5. Generali Travel
6.5.1 Offer
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| consultancy | boolean | No | Determines if the insuree(s) want to be consulted on the suitability of the selected offer. | boolean value (1, 0, true, false) |
| insuredInCountry | boolean | No | If the insuree(s) aren’t located in Romania at the time of issuing the policy, the ensurer becomes responsible only after 8 days, starting with the first day after issuing.In this situation, in case of damage, the insuree(s) must provide evidence that they left Romania with at most 4 weeks prior to issuing the policy. | boolean value (1, 0, true, false)Note: if not sent, it will default to 1 |
| residency | boolean | No | The policy does not come into effect in a country in which the insuree(s) have residency or citizenship. | boolean value (1, 0, true, false) |
| product.policyholder.*.taxId | string | No | Value used as a linking key with the persoane list in the root JSON.If the value does not exist in that list it will be ignored. | |
| product.policyholder.*.publiclyExposed | boolean | No | Determines if the insuree(s) are public people. | boolean value (1, 0, true, false) |
| product.coverage.sports.extremeCompetitionSports | integer | No | If present the value will be the sport code. | Accepted values: any code from /nomenclature/generali/travel/extreme-sports nomenclature. |
GeneraliAdditionalData object
Business rules:
-
Generali accepts the following values for
product.travel.coverage.base.sumInsured:5000,10000,30000,50000 -
product.travel.startDatemust be within a year from today. -
product.travel.destinationis required regardless ofproduct.travel.areaOfValidity -
any
personobject (e.g.policyholdersorcustomer) must not be foreign persons, soisForeignPersonmust befalse. -
customer.businessNamemust be at least 2 words long -
If
agreements.marketingis not set, it defaults tofalse. -
Other required params:
-
product.customer.email -
product.customer.mobileNumber -
product.policyholder.*.email -
product.policyholder.*.mobileNumber -
product.policyholder.*.identification.idNumber -
agreements.gdpr(must petrue) -
The insurance period for a
Turist, Turist Plus Premium, Turist (Studii), Turist Economic, Profesionalpolicy is limited as such: -
maximum 364 days for insurees not older than 70
-
maximum 30 days for insurees older than 70 (including 70)
-
The insurance period for a
Profesionalpolicy has a maximum duration of 364 days regardless of age. -
If
group_type = family, forTurist, Turist Plus Premiumpolicies, the minimum number of insurees must be2. -
The maximum age of any insuree for a
Turist (Studii)policy is 59. -
Under 10 policyholders, both individual offers and group offers can be generated. Starting from 10 policyholders, the insurer generates only group offers.
-
The offer will include only the packages with the most limited area of validity, based on the destination.
-
If the stornoCosts coverage is included the
product.travel.startDatehas to be atlest 2 days in the future -
The additional included coverage
stornoPlaneTicketsis only included ifstornoCostsis selected and a PREMIUM package is offered
The sumInsured parameter is not required for obtaining quotations. (except for coverage.base.sumInsured)
Packages - travel purpose, coverage and insured sums:
All insured sums are specified for REFERENCE. Generali offers exact packages that cannot be changed, just selected.
-
Turist (
50 000 eur - EUROPA,50 000 eur - World Wide*,15 000 eur - World Wide) -
Purpose:
-
business -
travel -
Coverage:
-
travelLiability- 1000 eur -
stornoCosts
-
sports
-
Turist (Studii) (
50 000 eur - EUROPA,30 000 eur - World Wide,15 000 eur - World Wide) -
Purpose:
-
studies -
Coverage:
-
travelLiability- 1000 eur -
Turist Economic (
5000 eur - BG, TR, GR, HU) obtainable only whenproduct.travel.coverage.base.sumInsured = 5000 -
Purpose:
-
travel -
Turist Plus Premium (
50 000 eur - EUROPA,50 000 eur - World Wide*,15 000 eur - World Wide) -
Purpose:
-
business -
travel -
Coverage:
-
baggageLoss- 400 eur -
flightDelay- 1000 eur -
travelLiability- 10 000 eur -
stornoCosts- 2000 eur -
stornoPlaneTickets- 1000 eur -
roadsideAssistance- 500 eur -
sports
-
Profesional (
50 000 eur - EUROPA,30 000 eur - World Wide*) -
Purpose:
-
work
The following definitions are NOT related to areaOfValidity. They are meant to clarify where each package takes action.
-
EUROPA (areaOfValidity = 3) means the European countries and MA, DZ, TN, LY*, EG
-
World Wide (areaOfValidity = 4) means the whole world without IQ, IR, AF, SY, LB, VE, KP
-
World Wide* (areaOfValidity = 5) means the whole world without US, CA, IL, IQ, IR, AF, SY, LB, VE, KP
NOTE: There are other (unspecified) countries that are not covered by Generali packages.
* Libya does not appear in Generali’s nomenclature, it is currently restricted.
Package selection logic:
areaOfValidity is 2 → Existing logic (with updated filters)
areaOfValidity is 3 (EU) → all packages from Europe (filtered by the insured amount) → for Europe, offers can only be obtained with 50k
areaOfValidity is 4 (WW including USA/CAN) → all packages with WW (filtered by the insured amount) → for WW, offers can only be obtained with 15k (or 30k for studies)
areaOfValidity is 5 (WW excluding USA/CAN) → all packages from WW* (filtered by the insured amount) → for WW*, offers can only be obtained with 50k (or 30k for work)
6.5.2 Transform offer
Business rules:
-
payment.currencymust meRON -
The
payment.methodoptionreceiptis not supported by the insurer
6.6. Groupama Travel&Health
6.6.1. Offer
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| product | object | No | ||
| product.travel | object | No | ||
| product.travel.startDate | string | Yes | Must be in the future | |
| product.travel.coverage | object | No | ||
| product.travel.coverage.tripExtensionInterruption | object | No | ||
| product.travel.coverage.tripExtensionInterruption.isIncluded | boolean | No | Additional trip interruption / extension insurance | Required if product.travel.coverage.tripExtensionInterruption is set. Default value: false |
| product.beneficiary | object | No | Beneficiary in case of death | |
| product.beneficiary.firstName | string | No | Individual person's first name | Required if product.beneficiary is set. |
| product.beneficiary.lastName | string | No | Individual person's last name | Required if product.beneficiary is set. |
| product.beneficiary.taxId | string | No | Personal identification code | Required if product.beneficiary is set. |
| product.beneficiary.birthdate | string | No | Date of birth | Required if product.beneficiary is set. • Accepted format: YYYY-MM-DD • The date must be in the past. |
| product.policyholder | GroupamaTravelHealthPolicyholderAdditionalData object or array of GroupamaTravelHealthPolicyholderAdditionalData objects | Yes | Policyholder(s) related additional data |
GroupamaTravelHealthPolicyholderAdditionalData object
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| taxId | string | Yes | Value used as a linking key with the item / items defined in the product.policyholder parameter. | If the value does not exist in the product.policyholder parameter than it will be ignored. |
| role | string | Yes | Indicates the relationship of the person to the insured person | Accepted values: insured, spouse, child, additionalAdult |
Business rules:
-
The insurance period is between
3and366days. -
The product requires at least
1and at most6policyholders. -
If the purpose of the trip differs from
travel, then only1policyholder is accepted. -
If policyholder with
role=insuredis minor then only1policyholder is accepted. -
Policyholder with role
insuredis required. -
The minimum age for insured persons is 30 days.
-
Accepted number of policyholders are mentioned in the table below.
-
Accepted number of policyholders with role are mentioned in the table below.
-
Home address is mandatory for both the policyholder and the customer.
-
The product accepts only addresses from Romania
-
Sum insured
10000 EURis accepted only if destination isEurope, the Russian Federation, Turkey and overseas territories of European countries -
roadsideAssistancecan be selected only if destination isEurope, the Russian Federation, Turkey and overseas territories of European countries -
Option
travelLiabilityis not available ifproduct.travel.coverage.base.sumInsuredis10000 EUR -
If the
stornoCostsoption is selected thenproduct.travel.durationcan be between3and30days -
If the
stornoCostsoption is selected thenproduct.trave.startDatemust be at least 3 days after issuing the offer/policy
| Age interval | Accepted number of policyholders |
|---|---|
| 1 month - 17 years | 5 |
| 18 years - + | 6 |
| Role | Accepted number of policyholders |
|---|---|
| insured | 1 |
| spouse (husband / wife) | 1 |
| child | 4 / 5 ** |
| additionalAdult | 4 / 5 ** |
** 4 if spouse is included in otherwise 5.
6.6.2. Transform offer
No extra data needs to be specified here.
Business rules:
- The
payment.methodoptionreceiptis not supported by the insurer
6.7. Uniqa Travel
This product requires some of the default non-required fields as required and some strict restrictions.
6.7.1. Offer
| Parameter | Description | Validation rules |
|---|---|---|
| insuredsInRomania | Has to be set false in case if at least one insured person is not in Romania when the policy is being issued. | Default value true. |
| product.customer.legalForm | Legal form of the business. | Field is required if product.customer.businessName is set. Only values from the defined enum is accepted. |
| product.customer.isPublicFunction | Default value false | |
| product.customer.isPoliticallyExposed | Default value false | |
| product.policyholder.*.taxId | Value used as a linking key with the item / items defined in the product.policyholder parameter. | If the value does not exist in the product.policyholder parameter than it will be ignored. |
| product.policyholder.*.isPublicFunction | Default value false | |
| product.policyholder.*.isPoliticallyExposed | Default value false | |
| coverage.stornoSecondaryClause | Secondary storno clause | Cannot be true if stornoCosts.isIncluded is trueDefault value false |
Business rules:
-
The insurance period is between
3and364days -
If
product.additionalData.insuredsInRomaniaisfalsethan the minimum mandatory insurance period is7days. -
When roadsideAssistance coverage is included, the maximim insurance period is
30days. -
Only the parameters
vinandlicensePlateare used for the vehicle in roadsideAssistance. -
At least one
product.policyholderis required -
The maximum age of the insured is
80years, both on the issue date and on the EndDate. -
Maximum of
250insured can be added toproduct.policyholder -
The field
product.travel.areaofValidityonly accepts the value2 -
Available purposes are
travel,businessandwork -
OptionroadsideAssitanceis not available for this product -
Option
sportscan only be selected ifpurposeistravel -
Options
baggageLoss,flightDelay,travelLiabilityandstornoCostscan only be applied forpurposeistravelorbusiness -
If option
stornoCostsis applied then the travelstartDatemust be at least 14 days from now -
In case of non legal entities the
product.customer.identification(if exists) andproduct.policyholder.*.identificationis required, withidTypeandidNumberrequired. -
The
product.policyholder.mobileNumberandproduct.customer.mobileNumber(if exists) is required. -
The
addressandcorrespondenceAddresshave to be from Romania (address.country/correspondenceAddress=RO). -
The
postcodefield fromaddressandcorrespondenceAddressis required and has to be valid (validation is done by SAS). -
In case that
product.customeris a legal entity besides the existing mandatory fields the following are also mandatory:businessName,companyRegistryNumberandproduct.additionalData.product.customer.legalForm -
If product.additionalData.coverage.stornoSecondaryClause is true, then the offer requires the insurer’s approval.
Available Packages
-
Package Plan A
-
product.travel.purposeis one of [travel,bussiness] -
product.travel.areaOfValidityis2andproduct.travel.destinationis an European country orproduct.travel.areaOfValidityis3 -
included coverage by default
baggageLoss,flightDelayandtravelLiability,roadsideAssistance -
optional coverage
stornoCostsandsports, roadsideAssistance -
Package Plan B
-
product.travel.purposeis one of [travel,bussiness] -
product.travel.areaOfValidityis2andproduct.travel.destinationis a any country excludingUSandCAor ifproduct.travel.areaOfValidityis5 -
included coverage by default
baggageLoss,flightDelayandtravelLiability -
optional coverage
stornoCosts -
Package Plan C
-
product.travel.purposeis one of [travel,bussiness] -
product.travel.areaOfValidityis2andproduct.travel.destinationis a any country includingUSandCAor ifproduct.travel.areaOfValidityis4 -
included coverage by default
baggageLoss,flightDelayandtravelLiability -
optional coverage
stornoCosts -
Package Plan D
-
product.travel.purposeiswork -
product.travel.areaOfValidityis2andproduct.travel.destinationis an European country orproduct.travel.areaOfValidityis 3 -
no default or optional coverage is available for this package
6.7.2. Offer Document
This product will return two PDF files for an offer:
-
generated offer file
-
additional information related to the product
6.7.3. Transform offer
| Parameter | Type | Description | Validation rules |
|---|---|---|---|
| payment.method | string | A list of issued policies, which can include policies successfully and/or with errors. | Accepted values: online, direct debit, intermediary receipt, bank transfer, soft pos, cash at bank |
Business rules:
- The
payment.methodoptionreceiptis not supported by the insurer
6.7.4. Policy Document
This product will return two or more PDF files for a policy:
-
Note: the number of files is influenced of the number of insured
-
generated policy file
-
information note regarding the processing of data with personal character (GDPR)
-
Information terms regarding the processing of personal data
6.8. Omniasig Medicas(Travel)
6.8.1. Offer
Business rules:
-
areaOfValiditymust be2 -
groupTypeonly'individual', 'group'accepted For thegroupType:'individual'max no of persons is 1 For thegroup:'group'min no of persons is 1 PS1: after 50 person set an error message is received "The offer already has blockages generated by the competence limits!", but the offer code is received. PS2: the error message for the number(50) of people is also received with a set discount value, now it is set by default to 0, the same was used in v19 -
purposeonly'travel', 'business', 'work'accepted -
no Package/Plans exist for medicas Only the basic package is used with all possible parameters.
Extra parameters
| Parameter | Type | Required | Description | Validation rule |
|---|---|---|---|---|
| transit | boolean | yes | 'required', 'boolean_value' | |
| product.customer.quota | integer | yes | 'required', 'integer', 'min:1', 'max:100' | |
| product.customer.isPublicFunction | boolean | yes | 'required', 'boolean_value' | |
| product.policyholder.*.taxId | string | yes | For all holders CNP/CUI is required | 'required', 'string' |
| product.policyholder.*.quota | integer | yes | 'required', 'integer', 'min:1', 'max:100' | |
| product.policyholder.*.isPublicFunction | boolean | yes | 'required', 'boolean_value' | |
| product.policyholder.*.student | boolean | yes | 'required', 'boolean_value' | |
| product.policyholder.*.healthStatus | string | yes | required one of "acceptable","good","excellent" | |
| product.policyholder.*.disease | object | yes | by default all the properties will be set to false | 'sometimes' |
| product.policyholder.*.disease.neuro | boolean | yes | by default if not exist will be set to false | 'sometimes', 'boolean_value' |
| product.policyholder.*.disease.cardio | boolean | yes | by default if not exist will be set to false | 'sometimes', 'boolean_value' |
| product.policyholder.*.disease.internal | boolean | yes | by default if not exist will be set to false | 'sometimes', 'boolean_value' |
| product.policyholder.*.disease.respiratory | boolean | yes | by default if not exist will be set to false | 'sometimes', 'boolean_value' |
| product.policyholder.*.disease.other | boolean | yes | by default if not exist will be set to false | 'sometimes', 'boolean_value' |
| product.policyholder.*.disease.hasDisability | boolean | yes | by default if not exist will be set to false | 'sometimes', 'boolean_value' |
| product.policyholder.*.disease.definitive | boolean | yes | by default if not exist will be set to false | 'sometimes', 'boolean_value' |
6.8.2. Transform offer
| Parameter | Type | Required | Description |
|---|---|---|---|
| flagPdfPolita | boolean | yes | by default set to 0 |
| flagPdfChitanta | boolean | yes | by default set to 0 |
| timpLimita | boolean | yes | by default set to 0 |
Business rules:
No extra data needs to be specified here.
6.9. Omniasig SafeTravel
6.9.1. Offer
If destination is set to RO (Romania) the sum insured of the packages will be in RON !
For obtaining quotations:
-
maximum duration is
366 -
any
personobject (e.g.policyholdersorcustomer) must not be legal entity. -
the given
postcodemust be valid. This is not validated by us at the moment. If a wrongpostcodeis sent, the provider will throw an error at the policy step. -
Options
roadsideAssistance,flightDelayis not available for this product
Packages:
-
areaOfValidity 2 - Premier RO, Premier Plus RO
-
areaOfValidity 3 - Basic EU, Standard EU, Premier EU, Premier Plus EU
-
areaOfValidity 4&5 - Basic, Standard, Premier, Premier Plus
6.9.2. Transform offer
| Parameter | Type | Required | Description | Validation rule |
|---|---|---|---|---|
| payer | object | No | Payer object | |
| payer.taxId | string | No | Payer’s tax id | valid taxId |
| payer.lastName | string | No | Payer’s last name | |
| payer.firstName | string | No | Payer’s first name |
6.10. Signal Iduna PostTravel
HealthCare coverage provides protection upon returning to Romania in case a medical need arises during travel abroad, as follows:
-
Start of coverage: The latest date between the date the Insured returns to Romania (if proven) or the last date of receiving medical services outside the country.
-
End of coverage: 30 days from the start date of coverage, from which point the insurance contract and coverage cease.
6.10.1. Offer
| Parameter | Description | Validation rules |
|---|---|---|
| agentName | Name of the agent who generates the offer. |
Business rules:
-
The insurance period is between
1and366days -
The
product.currencyonly accepts the valueRON -
The maximum number of
product.policyholderis6 -
Options
baggageLoss,sports,flightDelay,travelLiability,stornoCosts,roadsideAssistanceis not available for this product
6.10.2. Transform offer
No extra data needs to be specified here.
Business rules:
-
The
payment.currencyonly accepts the valueRON -
The
payment.datehas to be equal to current date -
The
payment.methodoptionreceiptis not supported by the insurer
6.11. Mondial Assistance Travel
6.11.1. Offer
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| tripType | string | No | The type of trip | Accepted values: one-way, annualDefault value: one-way |
| tariffType | string | No | Traveler relationship type | Accepted values: single, family, objectDefault value: single |
| departureCountry | string | No | Country of departure | Accepted values: any iso2 code from nomenclature /nomenclature/countryDefault value: RO |
| additionalDestinations | array | No | List of additional destinations | Accepted values: any iso2 code from nomenclature /nomenclature/country |
| coverage | object | No | ||
| coverage.stornoCosts | object | No | ||
| coverage.stornoCosts.bookingDate | string | Yes, if product.travel.coverage.stornoCosts.isIncluded is 1 / true | Travel’s booking date | Must be a date before tomorrow. |
| coverage.stornoCosts.tripValueType | string | Yes, if product.travel.coverage.stornoCosts.isIncluded is 1 / true | Trip’s value type | Accepted values: perPerson, perTrip |
Business rules:
-
Customer (
product.customer) is required. -
Customer’s email address (
product.customer.email) is required. -
If
product.additionalData.tripTypeisannualthenproduct.travel.durationmust be365 -
Trip type (
product.additionalData.tripType) is required and must beannualwhen roadside assistance is included (product.travel.coverage.roadsideAssistance.isIncluded=true) -
Additional destinations (
product.additionalData.additionalDestinations) are ignored if area of validity (product.travel.areaOfValidity) isEurope(3) orWorldwide(4) -
Product does not have offer in PDF format.
-
Except travel cancellation packages no package offers coverage for North Korea.
-
The insurance contract and the payment of the insurance premium for travel cancellation protection packages must be made at least 31 days before the start of the trip. In the event that the departure is within less than 30 days, the insurance contract and payment of the premium are only possible at the same time as booking the trip; concluding the insurance within a maximum of 3 calendar days after booking the trip is considered "at the same time."
-
PACKAGE INFORMATION:
-
Offers for
tariffType = objectcan only be obtained if: -
stornoclause is included; it is the only coverage for object packages -
additionalData.tripTypeisone-way -
Offers for
tariffType = familycan only be obtained if at least 2 policyholders are defined.
6.11.2. Transform offer
No extra data needs to be specified here.
Business rules:
-
payment.currencymust beRON -
receiptis not accepted forpayment.method -
The file of the policy cannot be downloaded via API. It is send by the insurer on the customer’s email address.
6.12 Allianz Multitravel
6.12.1. Quotation
The following fields are required for this product:
-
provider.organization.businessNameis equal to allianz -
product.nameis equal to Multitravel -
product.policyholder.citizenship -
product.policyholder.address.cityCode -
product.policyholder.address.street -
product.policyholder.address.houseNumber -
product.policyholder.mobileNumber -
product.policyholder.email -
poduct.policyholderaccepts only 1 person
Business Rules
-
product.travel.startDatemust be between today+1 and today+30 days. -
product.travel.durationis fixed number, equal to 365 days. -
product.policyholder.citizenshipmust be RO -
The field product.travel.coverage.base.sumInsured will be mapped to 30000 EUR
-
Allianz Multitravel does not support the following coverages:
-
baggageLoss -
flightDelay -
roadsideAssistance -
product.policyholderis mandatory and must be 1 person
6.12.2. Transform offer
Business rules:
- The
payment.methodoptionreceiptis not supported by the insurer
6.13 Colonnade Travel
Colonnade is offering in Romania 3 types of products:
-
Storno package
-
International Travel package
-
International Travel anual package.
6.13.1 Quotation
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| product.policyholder.*.address | object | Yes | Address for each policy holder | |
| product.customer | object | Yes | Customer for the policy | |
| product.customer.address | object | Yes | Customer Address | |
| product.travel.destination | string | Yes | Destination for the Trip | |
| product.additionalData.coverage.roadsideAssistance.firstRegistration | date | Yes in case if product.travel.coverage.roadsideAssistance.isIncluded equals to true | First Registration for the car | Format to be Y-m-d |
| product.additionalData.customer.vatPayer | boolean | Required if product.customer.businessName is present | Indicates if the business is VAT payer or not | Value to be boolean |
| product.additionalData.coverage.stornoCosts.chronicIllnessIncluded | boolean | No | In case of a storno package, indicates if the chronic illness coverage should be supported | Value to be boolean |
| product.additionalData.coverage.sports.winterSports | boolean | Yes, in case of product.travel.coverage.sports.isIncluded set to true | Add winter sports coverage in case of generic Sports coverage | Value to be boolean |
| product.additionalData.coverage.sports.extremeCompetitionSports | boolean | Yes, in case of product.travel.coverage.sports.isIncluded set to true | Add extreme competition sports coverage in case of generic Sports coverage | Value to be boolean |
| product.additionalData.coverage.stornoCosts.currency | string | No. Implicit value if not present is EUR | In case that the storno coverage is in RON, expected value is RON | If present, value to be either RON or EUR |
| product.additionalData.coverage.physicalWork.isIncluded | boolean | No. | In case physical work coverage is needed, this attribute needs to be set to TRUE. Default value is FALSE. | Value to be boolean |
| product.additionalData.coverage.pet.isIncluded | boolean | No | In case Pet coverage is needed, this attribute needs to be set to TRUE. Default value is FALSE. | Value to be boolean |
| product.additionalData.coverage.rentedVehicleBreakage.isIncluded | boolean | No | In case rented vehicle breakage coverage is needed, this attribute needs to be set to TRUE. Default value is FALSE. | Value to be boolean |
| product.additionalData.coverage.stornoCosts.purchaseDateOfTrip | date | No | In case of storno coverages / package, Colonnade needs to receive the purchase date for the trip. | Format to be Y-m-d |
| product.additionalData.coverage.base.tranzitCountry | array of ISO2 country codes | No | For Colonnade, we need to send a list of tranzit countries. Travel API will look into product.additionalData.coverage.base.tranzitCountry for the list of tranzit countries. | Expected values: array with min 1 element. Value to be ISO2 country code. |
| product.additionalData.coverage.sports.sportEquipment | boolean | No | Add sports equipment coverage to Colonnade | Value to be boolean |
| product.travel.areaOfValidity | number | Yes | 2 => destination country must be specified in the destination field 3 => Europe 4 => World Wide 5 => World Wide excluding United States, Canada, Mexic and Caribbean Area | Accepted values: 2, 3, 4, 5 |
Business Rules
-
product.travel.startDatemust be between today+1 and today+2 years when the storno package is present; otherwise, it must be between today and today+2 years. -
product.travel.durationmust be a number:
-
Between 1 day and maximum 120 days
-
Fixed value of 365 - case in which the International Travel Anual Package will be offered
-
product.customer.addressis mandatory -
product.policyholder.*.addressis mandatory -
in case ofproduct.travel.areaOfValidity= 2,product.travel.destinationis mandatory and cannot be equal to ‘RO’ -
in case
product.travel.destinationis “RO“, only the Storno packages will be retrived -
in case of
product.travel.coverage.sports.isIncluded= true, one of the following 3 flags will be mandatory in order to offer sports coverage:
product.additionalData.coverage.sports.winterSports
product.additionalData.coverage.sports.extremeCompetitionSports
product.additionalData.coverage.sports.sportEquipment
If all of them will be included in the request but set to false, no sports package will be added to the insurance covers.
- in case of
product.travel.coverage.roadsideAssistance.isIncluded= true, the following conditions should be met:
-
Destination and tranzit countries (if present) should be in Europe
-
product.additionalData.coverage.roadsideAssistance.firstRegistrationrefers to the first registration of the car for which the road assistance is covered. -
It’s format is date Y-m-d
-
It is. mandatory
- if
product.customer.businessNameis present:
-
product.additionalData.customer.vatPayerneeds to be added as well -
it’s value should be boolean
-
will indicate if the business is VAT payer or not.
-
In case it is VAT Payer, we will automatically append ‘RO’ to
product.customer.taxIdwhen sending the request to Colonnade
- in order to get only the Storno Package Gold, you need to specify:
product.additionalData.coverage.stornoCosts.chronicIllnessIncludedvalue to TRUE.
If you specify any other coverages except base and chronicIllnessIncluded is set to TRUE, no package will be offered as Colonnade does not provide any package to match those coverages.
-
if it is desired to get anual travel package,
product.travel.durationmust be set to 365. -
Quotation is not available for: Kosovo, Afghanistan, Irak, North Korea, Iran, Palestina, Sudan, Syria, Rusia and Belarus.
-
In case the quotation has been transformed to a policy, the quotation PDF files will not be available any longer on the GET /offer/:id endpoint. They will be available when trying to download the policy files on GET /policy/:id endpoint.
-
product.additionalData.coverage.stornoCosts.purchaseDateOfTrip- In case we have a storno request and this field is missing, we will automatically send current date -
product.travel.areaOfValidity should always be equal to 2.
product.travel.destination is mandatory and it represents the destination country for the trip.
Additional, if, product.additionalData.coverage.base.tranzitCountry is populated, Travel API will send to Colonnade a list of countries made of product.travel.destination + product.additionalData.coverage.base.tranzitCountry
-
Storno coverage is not available with anual request. If duration is 365 days and
product.travel.coverage.stornoCosts.isIncluded, a validation error will be returned. -
product.travel.areaOfValidity- has an added extraValue -5. Colonnade offers except Worldwide, an option to make insurance for the World Wide excluding United States, Canada, Mexic and Caribbean Area. -
product.additionalData.coverage.stornoCosts.purchaseDateOfTrip: Ifproduct.travel.startDateis less than 30 days away, the insurance must be concluded now
If areaOfValidity is set to 3,4,5 → destination will not be taken into account.
For this case, travel API goes through the Colonnade Countries list and returns the list of countries based on the chosen areaOfValidity
If a policy has already been issued for a quotation, any attempt to request a new quotation with the same data will result in an error indicating that a policy already exists.
6.13.2 Transform Offer
No extra data needs to be specified here and there are no special business rules.
6.14 Phoenix Travel
6.14.1. Offer
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| purposeId | number | Yes, if travel.purpose= work | Id of purpose from the insurer’s nomenclature /nomenclature/phoenix/travel/trip-purposes | Must be a valid id from the insurer’s nomenclature (only the ids of purposes that have name=”Lucrativ” ) |
| insuredInCountry | boolean | Yes | Indicates if the insured is in the country when the quotation is issued | |
| blockPendingOffer | boolean | No | Indicates if an offer with the status oh_hold from the insurer should be blocked at the quotation step(see info panel below) | If not set, default value is true |
| issuer.email | string | No | May be required if the offer has on_hold status from the insurer (see info panel below) | Must be valid email |
| issuer.phone | string | No | Must be valid phone number. See rules for mobileNumber in the general section | |
| coverage.stornoCosts.purchaseDateOfTrip | string | Yes, if stornoCosts.isIncluded = true | Purchase date of trip | Must have valid date format. If it is different from the current date, the product.travel.startDate must be at least 30 days in the future. |
| coverage.personalAccidents.isIncluded | boolean | No | Indicates if the premium cover personalAccidents is selected | |
| discount | number | No | Discount percentage. If it exceeds insurer’s limit, the offer will not be automatically approved (see info panel below) | Must be numeric and have at most 2 decimals |
Business rules:
-
product.travel.coverage.base.sumInsuredaccepted values:10000,20000,30000,50000(EUR) -
By default, both
PREMIUMandSTANDARDpackages will be offered. However, of some covers are selected, only thePREMIUMpackage will be offered: -
PREMIUMcovers:flightDelay, baggageLoss, travelLiability, personalAccidents -
product.travel.durationcan be maximum 365 days -
product.travel.purposecan be :travel, work, business -
product.travel.policyholder=> the policyholder can have as maximum age the maximum age obtained from/nomenclature/phoenix/travel/age-groups -
if storno coverage is included, the premiumAmount in the response will be the sum of the base premium + storno premium
on_hold quotations:
In some cases, the offer is not automatically approved by the insurer:
-
Selecting the travel purpose TripPurposeId = 34, Lucrative – High-risk lucrative activities – heavy industry, military, aviation, hunting activities, circus actors, wild animal tamers, mountaineering, demolitions, diving, etc.
-
Entering a total service package value greater than 50,000 Euros
-
Discount exceeding the allowed limit (we do not validate this limit, it is validate by the insurer)
-
Additional requests submitted ( if
product.travel.notesis sent)
In such cases:
-
If the parameter
blockPendingOfferis true (default value), then the quotation process will be blocked and a validation error will be thrown, indicating the reason the offer has the statuson_hold -
If the parameter
blockPendingOfferis false, the quotation process will not be blocked. A message will be provided in the quotation responsenotes. However, it will not be possible to transform the offer into policy and a validation error will be thrown at the issuing step -
If the
issuer.emailfield is not set, the insurer will throw an error
6.14.2. Transform offer
No extra data needs to be specified here.
Business rules:
-
Accepted
payment.methodvalues:broker receipt,payment order,broker payment order,pos -
If in the quotation
insuredInCountry=falseandtravel.startDateis less than 3 days from the policy issuing date , the insurer will throw an error -
If the offer has the storno coverage included, two separate policies will be issued: the base policy and the storno policy, each with their respective premium and information
6.15 Allianz MyTravel
6.15.1. Offer
| Parameter | Type | Required | Description | Validation rules |
|---|---|---|---|---|
| product.insuranceType | string | No | Type of trip for which the quotation will be generated. | Accepted values: [one-trip, multi-trip] Default: one-trip |
| product.coordinatorId | number | Yes | Issuing agency number. | Values received from the insurer. |
| product.travel.reservationDate | string | Yes, if product.travel.coverage.stornoCosts.isIncluded is true | Travel trip reservation date. | Can be at most 3 days in the past. |
| product.additionalData.product.travel.coverage.tripInterruption | object | No | Trip cancellation coverage. | |
| product.additionalData.product.travel.coverage.tripInterruption.isIncluded | boolean | No | ||
| product.additionalData.product.travel.coverage.tripInterruption.sumInsured | number | Yes, if product.additionalData.product.travel.coverage.tripInterruption.isIncluded is true |
Business rules:
-
The minimum value accepted for
product.travel.startDateifproduct.travel.coverage.stornoCosts.isIncludedis true the minumum value is current day + 2 days, otherwise the current date -
The maximum value accepted for
product.travel.durationis365 -
The minimum value accepted for
product.travel.durationis2 -
The maximum number of insured people in
product.policyholderis 10 -
The
product.travel.reservationDateis required whenproduct.travel.coverage.stornoCosts.isIncludedis true -
The
product.travel.reservationDatecan be at most 3 days in the past and at most the current date -
The
product.travel.coverage.stornoCosts.sumInsuredminimum value is 100 EUR and maximum 3000 EUR -
The
product.additionalData.product.travel.coverage.tripInterruption.sumInsuredminimum value is 100 EUR and maximum 3000 EUR -
The
product.additionalData.product.travel.insuranceTypefields value has the following restrictions -
Value equals to one-trip
-
product.travel.startDate→ maximum value is current date +365days -
product.travel.duration→ minimum value 2 and maximum 365 -
product.travel.coverage.stornoCosts→ coverage can be included -
product.additionalData.product.travel.coverage.tripInterruption→ coverage can be included -
Value equals to multi-trip
-
product.travel.startDate→ maximum value is current date +30days -
product.travel.duration→ only accepted value is 365 -
product.travel.coverage.stornoCosts→ coverage cannot be included -
product.additionalData.product.travel.coverage.tripInterruption→ coverage cannot be included
Additional product specific covers:
-
repatriation→ Medical repatriation is covered in the event of a medical emergency occurring during travel abroad. In the event of the insured’s death, repatriation of the deceased’s body is covered. -
financialProtection→ Provides financial protection in the event of unfortunate incidents occurring during the trip as a result of an accident (including the replacement or repair of medical devices such as wheelchairs and prostheses, except for vision correction devices such as prescription glasses and contact lenses), the repatriation of minor children and family members in case of an accident, and the visit of a relative from the home country to the hospitalized insured person). -
assistanceServices→ Assistance is provided and may be activated as a result of an accident, covering rescue and recovery costs, as well as expenses related to the insured person’s emergency medical transport carried out by specialized services (including air ambulance, if necessary); expenses for the replacement of lost documents are also covered. -
deathPermanentDisability→ The consequences of an accident occurring during travel abroad are covered: death and/or permanent disability.
Available Packages
-
all packages are availabe for
product.travel.purposevalues travel, business, work, and studies -
for the
product.travel.destinationonly RO is excluded -
the following coverages are not covered by any of the available packages
flightDelay,roadsideAssistance -
the
product.travel.coverage.stornoCostsandproduct.additionalData.product.travel.coverage.stornoCancellationcoverage can be added to all the packages only if theproduct.additionalData.product.insuranceTypeis one-trip
-
Confort
-
sportscoverge can be added additonally to the package -
stornoCostscoverge can be added additonally to the package only if theproduct.additionalData.product.insuranceTypeis one-trip -
stornoCancellationcoverge can be added additonally to the package only if theproduct.additionalData.product.insuranceTypeis one-trip -
repatriationcoverage is included -
financialProtectioncoverage is included -
assistanceServicescoverage is included -
baggageLossandtravelLiabilityare not availabe for this package -
Extra
-
sportscoverge can be added additonally to the package -
stornoCostscoverge can be added additonally to the package only if theproduct.additionalData.product.insuranceTypeis one-trip -
stornoCancellationcoverge can be added additonally to the package only if theproduct.additionalData.product.insuranceTypeis one-trip -
repatriationcoverage is included -
financialProtectioncoverage is included -
assistanceServicescoverage is included -
deathPermanentDisabilitycoverage is included -
baggageLossandtravelLiabilityare not availabe for this package -
Max
-
sportscoverge can be added additonally to the package -
stornoCostscoverge can be added additonally to the package only if theproduct.additionalData.product.insuranceTypeis one-trip -
stornoCancellationcoverge can be added additonally to the package only if theproduct.additionalData.product.insuranceTypeis one-trip -
repatriationcoverage is included -
financialProtectioncoverage is included -
assistanceServicescoverage is included -
deathPermanentDisabilitycoverage is included -
baggageLosscoverage is included -
travelLiabilitycoverage is included
6.15.2. Transform offer
Business rules:
-
The accepted values for
payment.methodare [broker receipt,payment order,broker payment order,pos] -
The accepted value for
payment.currencyis RON