Rate eligible programs for a risk

POST

/v1/rate/{productType}

Submit risk data and receive pricing for every eligible program. Returns an array — one entry per program. Factor-rated programs include pricing; external programs return pricing: null.

Nothing is stored. Each call is a stateless price check.

Product type resolution

Exact code — TI, BOP, GL, DP, etc.

Category slug — commercial (fans out across all types)

Program slug — travel-insurance

Payload fallback — reads program_type from body

program_id — promote and select

Passing program_id promotes that program to position 0 with selected: true. All other eligible programs are still returned. To get only that program back, add limit: 1.

Re-rate pattern

Pass program_id + response_mode: pricing to re-price a selected program after a coverage change. Returns { program_id, pricing, applied_options } only — no other fields.

Caching

Hash of system_payload is the cache key. Repeat calls with identical payload return instantly.

Request

Authorization

Bearer Token

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

Path Params

Body Params application/jsonRequired

Examples

Responses

🟢200

application/json

Pricing computed. Array of eligible programs — one entry per program.

Bodyapplication/json

🟠400BadRequest

🟠401Unauthorized

🔴500InternalError

Request Example

Shell

JavaScript

Java

Swift

cURL

Travel — all eligible programs (light, default)Travel — promote a program to top, return only that oneTravel — re-rate one program (pricing only)Travel — full mode (includes coverage options)Commercial (BOP) — light modeCommercial (BOP) — re-rate one program

curl --location '/v1/rate/' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '{
    "country_of_residence": "IN",
    "destination_country": "US",
    "start_date": "2026-05-01",
    "end_date": "2026-06-01",
    "insureds": [
        {
            "date_of_birth": "1960-05-15",
            "relationship": "primary"
        },
        {
            "date_of_birth": "1990-03-20",
            "relationship": "spouse"
        }
    ],
    "coverage": {
        "plan_max": 100000,
        "plan_ded": 500
    }
}'

Response Example

200 - light mode response

{
    "success": true,
    "data": [
        {
            "program_id": "c70f27d4-0f63-443c-b210-5dd3c0dd52d5",
            "product_code": "HOP-ADVANTAGE",
            "product_name": "HOP! Advantage",
            "carrier_code": "siriuspoint",
            "carrier_name": "SiriusPoint",
            "rating_method": "factor",
            "trip_days": 31,
            "num_insureds": 1,
            "selected": false,
            "pricing": {
                "premium": 44.86,
                "fees": 3.14,
                "taxes": 0,
                "total": 48
            },
            "rating": {
                "rating_type": "internal"
            },
            "full_payload": null
        },
        {
            "program_id": "5d7a8e9f-fc01-4fea-82f8-9c4c67ff325c",
            "product_code": "BMI-CLASSICO",
            "product_name": "BMI Classico",
            "carrier_code": "bmi",
            "carrier_name": "BMI",
            "rating_method": "external",
            "trip_days": null,
            "num_insureds": null,
            "selected": false,
            "pricing": null,
            "rating": {
                "rating_type": "external"
            },
            "full_payload": null
        }
    ]
}

Modified at 2026-05-05 23:26:09

Appetite details (product-filtered)

Sensitivity analysis across coverage options

Rate eligible programs for a risk

Product type resolution#

program_id — promote and select#