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

       Name   IsExistingLoan         
       Value  True/False 
       Name   LoanInterest
       Value  123
       Name   LoanStartDate
       Value  2025-10-01                  
       Name   DefaultReceiverBankAccountDesc
       Value "SPV1"
       Name   InitialLoanAmount 
       Value  20000000
       Name IsExistingExternalCustomer
       Value True/False              
       Name  ApprovedByBank
       Value True/False
       Name  ApprovedByCustomer     
       Value True/False
       Name   FromInsurance
       Value "XXX"
       Name ProductType
       Value "Credit"/"Loan" 
       Name PendingTopupAmount
       Value 10000.00
       Name DistributionChannel 
       Value NEW LOAN
             TOPUP
             CAMPAIGN
             INBOUND PUSH
             INBOUND PULL
             WEB
             TM
             OUTBOUND
             NORDICOM
             WEB INBOUND PULL
             WEB INBOUND PUSH
             APP INBOUND PULL
             APP INBOUND PUSH
             PHYSICAL MEETING
       Name  PendingAnnualPremium
       Value 50
       Name TopupApprovedByBank
       Value True/False
       Name PendingTopupCreationDate
       Value 2025-10-01

  Insurance Premium Collection Paymethods

        Plusgiro                                                              
        Bankgiro                                                              
        Autogiro                                                              
        Kontant                                                               
        Konto                                                                 
        Annat                                                                 
        Samfakturerings/Avtals underbetalningar                               
        Bankkonto                                                             
        Utland                                                                
        Försäkring                                                            
        Utflytt