Product Configuration & Rating — Host-to-Host Integration

Insurance • Real-time, system-to-system connectivity (no SLA section)

Purpose of Host-to-Host

Expose centralized rating logic, product rules, and underwriting factors to partner channels.
Keep pricing consistent across PAS, UW Workbench, aggregator portals, and bancassurance.
Manage versions and effective dates; allow backward-compatible rule deployments.

Core Data Objects

Product (lines, plans, coverages, limits, deductibles, riders)
Rating Factors (age, region, vehicle/property attributes, experience)
Rating Tables/Algorithms (base rate, loadings, discounts, caps/floors)
Eligibility Rules & Bindability flags
Versioning (effectiveFrom, effectiveTo, revision, status=draft/active/deprecated)
Events: productPublished, ratesChanged, rulesUpdated

Example API Endpoints

POST /rating/quote
Calculate premium for a risk with coverages & limits

GET /products
List available products with versions/effective dates

GET /products/{id}
Retrieve rules, factors, and rating references

POST /products/{id}/validate
Eligibility & rule validation for submissions

POST /rules/publish
Publish draft rules/tables to active with change notes

POST /callbacks/price
Asynchronous price/eligibility callback for batch jobs

Sample Request

POST /rating/quote
{
  "productId": "MOTOR-PLUS",
  "effectiveOn": "2025-08-14",
  "risk": { "vehicle": {"make":"Toyota","model":"Raize","year":2023,"region":"JKT"} },
  "coverages": [{"code":"OD","limit":120000000,"deductible":1000000}],
  "party": {"age":34, "gender":"M", "ncb":0.1},
  "discounts": ["LOYALTY_TIER_GOLD"]
}

Sample Response

{
  "quoteId":"Q-784312",
  "premium": {
    "base": 1950000,
    "loadings": [{"code":"REGION_JKT","amount": 120000}],
    "discounts": [{"code":"NCB","amount": -195000}],
    "taxes": [{"code":"STAMP","amount": 10000}],
    "total": 1884810
  },
  "eligible": true,
  "explanations": ["Applied region factor JKT 1.06","NCB 10%"]
}

Reference Flows

Partner → Rating → Quote

Partner calls /rating/quote with risk & coverages
Engine validates rules & returns premium + explanations
Quote ID used by PAS/UW for bind/issue

Versioned Rules Publish

Analyst updates tables/rules → draft
Approval & tests → publish with effective dates
Partners pull new version or receive event

Bulk Re-rate / Campaigns

Submit batch lists via async API or file drop
Callbacks return new premiums & eligibility
Results exported to CRM/BI for action

Security & Controls

mTLS, OAuth2/JWT; IP allow-list; request signing (JWS).
Rule-explanation logs for fairness & audit.
Idempotency keys and replay protection for batch calls.

Monitoring & Audit

Correlation-ID across submission → quote → bind.
Metrics: quote volume, error rate, version adoption.
Audit for rule changes and rating outcomes.

What You Get

OpenAPI + sample Postman and mock server.
Rating table templates (CSV/JSON) and rule examples.
Versioning & rollout playbook with canary.
Callback examples & retry strategy.
Annual maintenance incl. change requests; on-prem or cloud.