Cardif Nordic Generic APIs enable real-time, partner-to-Cardif integrations for creating and managing protection insurance (e.g., loan/payment protection) throughout the policy lifecycle. These APIs are designed for banks, retailers, fintechs, and distribution partners who need to onboard customers, register insurances, update policy data, and handle lifecycle events such as activation, approval, top-ups, cancellation, and reactivation.

Integration Model

• Synchronous reads (e.g., Fetch endpoints) typically return 200 OK. - Asynchronous writes (e.g., create, update, lifecycle changes) return 202 Accepted with a monitorurl so you can poll task progress.
• Idempotency & tracing: Use request headers to correlate requests across your flows.

  Core Concepts

• Insurance : A policy bound to a product (e.g., loan protection) and an insured asset (e.g., loan reference).
  - customers: Individuals or legal entities participating in an insurance (e.g., insured, owner).
  - Roles & beneficiaries: Who owns, is insured, or benefits from the policy.
  - Premium Collection: How premiums are collected (e.g., direct debit / Autogiro).
  - payouts: Where Cardif sends refunds or claims benefits.

  Common Patterns

  1) Create customer(s) → 2) Register insurance(s) → 3) Activate/Approve when business conditions are met → 4) Maintain via patch/top-up/cancel/reactivate → 5) Fetch as needed for customer care or reconciliation.

  Insurance Additional Properties - Refer to API Additional Information Tab for more information.

  Insurance Premium Collection Paymethods - Refer to API Additional Information Tab for more information.

  Error Codes - Refer to API Additional Information Tab for more information.