Introduction

The Offers platform includes an easy-to-use API integration to promote, sell, and manage insurance and non-insurance products provided by Cover Genius underwriting partners. It is designed to seamlessly integrate with any platform and sell any line of insurance and non-insurance products.

This is made possible by the Offers API, a flexible interface based on REST that returns standard HTTP response codes and JSON-encoded responses.

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Integration outline

This outline is intended to provide an overview of the integration workflows for anyone working with an Offers API integration, including (but not limited to): Product & Project Managers, Software Engineers, and Business Analysts.

Each of these concepts are explored in more detail via the Offers Guide, API Specification and Integration Guides.

Offer

An offer is the complete proposition used to display protection products to a customer. It's the central concept of the Offers API, bundling together one or more insurance/non-insurance products with their associated content, rules, and pricing into a single, cohesive unit. This is returned to the partner as a structured API response.

Confirm Offer

After successful checkout, call the Offers API to notify about the offer purchased and provides the policyholder information. Offers API will inform customers about all the insurance product features, offer to create an account on to the XCover.com website where they can modify, renew, cancel the purchased policies, or lodge a claim. We take care of registering the purchased policies with the underwriting partners as well.

Modifications

If booking Modifications are allowed by the underwriting partner Offers allows booking modification by customers via XCover.com. Alternatively, booking modifications can be triggered by one of the partner's platforms via Offers API.

Cancellation

It can happen that the customer is not happy with the product purchased and wants to return it. Offers API offers cancellation workflows that allow the previously issued policy to be canceled and refunded automatically in this case.