Insurance Data Sharing 2 min read
The Open Finance Insurance Data Sharing capabilities let your LFI expose a customer’s policy data to consented TPPs across the UAE’s major insurance sectors. Implementation mirrors Bank Data Sharing: the API Hub validates consent, proxies requests to your Ozone Connect server, and returns the response to the TPP.
Insurance Service Provider
Access to the Insurance Data Sharing APIs requires TPPs to hold the ISP role. The API Hub validates the role on every request before proxying it to your Ozone Connect endpoints.
Policy Information
Expose policy details — product, status, dates, sums insured, coverage, exclusions, and policy-holder information — through one pair of endpoints per insurance sector you underwrite.
Customer & Beneficiaries
Return identity, contact, and beneficiary information held on each policy when the TPP holds the matching ReadCustomer* permission, subject to data-minimisation rules.
Encrypted Premium
When the TPP holds ReadInsurancePremium, the Premium field MUST be returned as a JWE so it is only decryptable on the customer’s device. The cleartext premium never traverses the TPP backend.
Claims History
When the TPP holds ReadCustomerClaims, expose claims raised against the policy — status, dates, amounts, and triggering events — to support switching, broking, and risk-assessment use cases.
Product Information
Structured product detail for the underwritten policy — cover type, features, terms, and add-ons. Returned when the consent includes ReadInsuranceProduct.
Insurance types covered
Implement the endpoint pair for each insurance sector your LFI underwrites. The Hub routes requests by path; sectors you do not offer simply remain unmounted.
/employment-insurance-policies/health-insurance-policies/home-insurance-policies/life-insurance-policies/motor-insurance-policies/renters-insurance-policies/travel-insurance-policiesBrowse this section
The full set of pages for the Insurance Data Sharing API on the LFI side.
Insurance Data Sharing — Requirements
Validation rules and behaviour your Ozone Connect endpoints must follow.
Insurance Data Sharing — API Guide
How your Ozone Connect server receives, processes, and responds to Insurance Data Sharing requests proxied by the API Hub.
Insurance Data Sharing — User Journeys
The end-to-end customer flow when sharing insurance data — from the TPP consent screen through your LFI’s authorisation pages and back.
Get Employment Insurance Policies
OpenAPI reference for the GET /employment-insurance-policies Ozone Connect endpoint.
Get a Employment Insurance Policy
OpenAPI reference for the GET /employment-insurance-policies/{InsurancePolicyId} Ozone Connect endpoint.
Get Health Insurance Policies
OpenAPI reference for the GET /health-insurance-policies Ozone Connect endpoint.
Get a Health Insurance Policy
OpenAPI reference for the GET /health-insurance-policies/{InsurancePolicyId} Ozone Connect endpoint.
Get Home Insurance Policies
OpenAPI reference for the GET /home-insurance-policies Ozone Connect endpoint.
Get a Home Insurance Policy
OpenAPI reference for the GET /home-insurance-policies/{InsurancePolicyId} Ozone Connect endpoint.
Get Life Insurance Policies
OpenAPI reference for the GET /life-insurance-policies Ozone Connect endpoint.
Get a Life Insurance Policy
OpenAPI reference for the GET /life-insurance-policies/{InsurancePolicyId} Ozone Connect endpoint.
Get Motor Insurance Policies
OpenAPI reference for the GET /motor-insurance-policies Ozone Connect endpoint.
Get a Motor Insurance Policy
OpenAPI reference for the GET /motor-insurance-policies/{InsurancePolicyId} Ozone Connect endpoint.
Get Renters Insurance Policies
OpenAPI reference for the GET /renters-insurance-policies Ozone Connect endpoint.
Get a Renters Insurance Policy
OpenAPI reference for the GET /renters-insurance-policies/{InsurancePolicyId} Ozone Connect endpoint.
Get Travel Insurance Policies
OpenAPI reference for the GET /travel-insurance-policies Ozone Connect endpoint.
Get a Travel Insurance Policy
OpenAPI reference for the GET /travel-insurance-policies/{InsurancePolicyId} Ozone Connect endpoint.