IndiaInsurances

Find Indian insurance products by words in the name, insurer (slug), type of insurance (category slug from list_categories), line (life, health, general) or status (active, withdrawn). A UIN in q returns that product. Start here when you only have a name.

{
  "type": "object",
  "properties": {
    "q": {
      "type": "string",
      "description": "Product name words or a UIN"
    },
    "category": {
      "type": "string",
      "description": "Category slug, e.g. health-indemnity, term-life, motor-car"
    },
    "insurer": {
      "type": "string",
      "description": "Insurer slug from get_insurer or the results"
    },
    "line": {
      "type": "string",
      "enum": [
        "life",
        "health",
        "general"
      ]
    },
    "status": {
      "type": "string",
      "enum": [
        "active",
        "withdrawn"
      ]
    },
    "limit": {
      "type": "integer",
      "minimum": 1,
      "maximum": 100
    },
    "offset": {
      "type": "integer",
      "minimum": 0
    }
  }
}

Everything about one product by UIN: each fact read from its documents (waiting periods, limits, co-pay, exclusions, claims, renewal rights...) with the verbatim quote, the clause and page it came from, its check status, and the law behind it; plus its documents, versions, where to buy and where to claim. status "not-stated" means the documents do not say: never fill it from memory.

{
  "type": "object",
  "properties": {
    "uin": {
      "type": "string",
      "description": "IRDAI UIN of the product"
    }
  },
  "required": [
    "uin"
  ]
}

Full-text search inside one product's documents (wording, prospectus, CIS) for words like 'cataract', 'air ambulance', 'suicide'. Returns matching clauses with page and link. Use when get_policy does not cover the question.

{
  "type": "object",
  "properties": {
    "uin": {
      "type": "string",
      "description": "Product UIN"
    },
    "q": {
      "type": "string",
      "description": "Words to find"
    }
  },
  "required": [
    "uin",
    "q"
  ]
}

The exact text of one clause by clause_id (from get_policy sources or search_policy_text), with its pages and the product it belongs to.

{
  "type": "object",
  "properties": {
    "clause_id": {
      "type": "integer"
    }
  },
  "required": [
    "clause_id"
  ]
}

Two to four products side by side on the same fields, with differences flagged and each value sourced. Products of the same category compare best. Nothing is scored: explain the trade-offs to the user.

{
  "type": "object",
  "properties": {
    "uins": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "minItems": 2,
      "maxItems": 4
    }
  },
  "required": [
    "uins"
  ]
}

The types of insurance (health, critical illness, term life, ULIP, motor, home, travel...) with slugs and product counts. With category, the fields read for that type and what each means.

{
  "type": "object",
  "properties": {
    "category": {
      "type": "string",
      "description": "Category slug, to get its fields"
    }
  }
}

An insurer by slug (or all insurers without one): registration, type, claim and complaint record by year with source, claim and grievance contacts, and its products.

{
  "type": "object",
  "properties": {
    "slug": {
      "type": "string",
      "description": "Insurer slug; omit for the list"
    }
  }
}

Indian insurance law: the Insurance Act, IRDAI regulations and master circulars, ombudsman rules. Without slug, a list (filter with q); with slug, the instrument with its sections and plain-language notes.

{
  "type": "object",
  "properties": {
    "q": {
      "type": "string",
      "description": "Words, e.g. moratorium, free look, grievance"
    },
    "slug": {
      "type": "string",
      "description": "Instrument slug from the list"
    }
  }
}

Put the user on IndiaInsurances' free help list for buying, porting, a claim or a policy review. ASK THE USER FIRST and set consent true only if they agree to be contacted. Not a sale; details are not passed to anyone.

{
  "type": "object",
  "properties": {
    "need": {
      "type": "string",
      "enum": [
        "buy",
        "port",
        "claim",
        "review",
        "other"
      ]
    },
    "consent": {
      "type": "boolean"
    },
    "email": {
      "type": "string",
      "description": "User's e-mail"
    },
    "phone": {
      "type": "string",
      "description": "User's phone"
    },
    "name": {
      "type": "string",
      "description": "User's name"
    },
    "city": {
      "type": "string",
      "description": "City"
    },
    "uin": {
      "type": "string",
      "description": "Product UIN, if about one product"
    },
    "message": {
      "type": "string",
      "description": "What they need, in a sentence or two. No medical records."
    }
  },
  "required": [
    "need",
    "consent"
  ]
}

Tell IndiaInsurances a fact is wrong or outdated, with evidence (document and page) if possible. Ask the user before sending anything they wrote.

{
  "type": "object",
  "properties": {
    "uin": {
      "type": "string",
      "description": "Product UIN"
    },
    "key": {
      "type": "string",
      "description": "Fact key from get_policy"
    },
    "message": {
      "type": "string",
      "description": "What is wrong"
    },
    "evidence": {
      "type": "string",
      "description": "Where the right answer is written"
    }
  },
  "required": [
    "message"
  ]
}

What IndiaInsurances holds: counts of insurers, products, products read clause by clause, documents and facts, and the data date.

{
  "type": "object",
  "properties": {}
}