Welcome to the Qoala developer guide! Our API empowers you to seamlessly access endpoints for policy and claim management.

Our API Documentation provides comprehensive guidance on creating new insurance transactions, checking the status of existing ones, and updating transaction statuses. Whether you're integrating with our system or building upon it, our documentation equips you with the tools you need for smooth development.

But that's not all! At Qoala, we cover an extensive range of products and categories to cater to diverse insurance needs. Here's a glimpse:

Travel

Flight
- Travel Insurance: Comprehensive coverage for various travel-related risks, including trip cancellation, medical emergencies, and baggage loss or delay.
- Travel & Baggage Insurance: Protects your belongings and provides assistance in case of baggage loss, damage, or delay during your travels.
- Ticket Cancellation: Offers reimbursement for non-refundable ticket costs due to covered reasons such as illness, injury, or other unforeseen circumstances.
  - CFAR (Cancel For Any Reason): Allows travelers to cancel their trip for any reason not explicitly covered by standard travel insurance policies, providing greater flexibility and peace of mind.
  - Specific Reason: Tailored insurance options to address specific travel concerns such as adventure sports, extreme weather conditions, or destination-specific risks.
- Reschedule Comprehensive: Covers expenses incurred due to rescheduling your trip, including change fees and fare differences.
- Flight Delay: Provides compensation for expenses resulting from flight delays exceeding a specified duration.
- Visa Insurance: Offers coverage for visa application fees, medical exams, and other expenses associated with obtaining a travel visa.
Bus
- Travel Insurance: Coverage for travelers using bus transportation, including trip cancellation, medical emergencies, and baggage protection.
- Travel & Baggage Insurance: Similar to travel insurance for other modes of transportation, with specific coverage tailored to bus travel.
- Ticket Cancellation: Offers reimbursement for non-refundable ticket costs due to covered reasons such as illness, injury, or other unforeseen circumstances.
  - CFAR (Cancel For Any Reason): Allows travelers to cancel their trip for any reason not explicitly covered by standard travel insurance policies, providing greater flexibility and peace of mind.
  - Specific Reason: Tailored insurance options to address specific travel concerns such as adventure sports, extreme weather conditions, or destination-specific risks.
Train
- Travel Insurance: Insurance options for train passengers covering trip cancellation, delays, and other travel-related risks.
- Travel & Baggage Insurance: Protection for passengers' belongings during train journeys, with coverage for lost, damaged, or delayed luggage.
- Ticket Cancellation: Offers reimbursement for non-refundable ticket costs due to covered reasons such as illness, injury, or other unforeseen circumstances.
  - CFAR (Cancel For Any Reason): Allows travelers to cancel their trip for any reason not explicitly covered by standard travel insurance policies, providing greater flexibility and peace of mind.
  - Specific Reason: Tailored insurance options to address specific travel concerns such as adventure sports, extreme weather conditions, or destination-specific risks.
- Train Delay: Provides compensation for expenses resulting from train delays exceeding a specified duration.

Hotel / Accommodation

Hotel Insurance: Coverage for hotel stays, including trip cancellation, reservation changes, and other hotel-related expenses.
Visa Insurance: Insurance options for travelers obtaining visas for their hotel stays, covering visa-related costs and unexpected visa denials.

Experience / Show

Ticket Cancellation: Offers reimbursement for non-refundable ticket costs due to covered reasons such as illness, injury, or other unforeseen circumstances.
- CFAR (Cancel For Any Reason): Allows travelers to cancel their trip for any reason not explicitly covered by standard travel insurance policies, providing greater flexibility and peace of mind.
- Specific Reason: Tailored insurance options to address specific travel concerns such as adventure sports, extreme weather conditions, or destination-specific risks.

Health

Personal Accident: Coverage for accidental injuries resulting in disability, dismemberment, or death.
Credit Life Insurance: Insurance tied to credit transactions ensuring outstanding debts are covered in the event of the policyholder's death.
Covid Insurance: Specialized coverage for expenses related to COVID-19 illness, including medical treatment, quarantine, and trip cancellation.
Hospital Cash Plan: Provides daily cash benefits during hospitalization, offering financial assistance for incidental expenses.
Term Life Insurance: Coverage for a specified period (term), offering financial protection for the policyholder's beneficiaries in case of death.

Inconvenient Insurance

Delay Transfer: Compensation for delayed transfers such as flight connections, train changes, or bus connections.
PPOB (Point of Payment Bill): Compensation for inconveniences caused by bill payment services, including delays or errors in processing payments.

Gadget

Smartphone/Laptop Insurance
- ADLD: Coverage for accidental damage and liquid spills affecting electronic devices.
- Screen Crack: Insurance specifically covering screen damage to smartphones, tablets, and laptops.
- Theft: Coverage for theft of electronic devices, providing reimbursement or replacement in case of theft.
- Extended Warranty: Extends the manufacturer's warranty for devices, offering repairs or replacements for defects beyond the initial warranty period.

Credit

Credit Insurance Productive Loan: Insurance tied to productive loans, providing coverage for outstanding loan amounts in case of the policyholder's death or disability.
Credit Insurance Consumptive Loan: Insurance for consumptive loans, ensuring repayment of debts in case of unforeseen events affecting the borrower's ability to pay.

Logistic

Shipping Insurance: Protection for goods during transit, covering losses or damages incurred during shipping.

Vehicle

EV Bike
- TLO: Provides compensation for the total loss of the insured vehicle due to theft or irreparable damage.
- Comprehensive: Comprehensive coverage for vehicles, including protection against theft, accidents, natural disasters, and third-party liability.

Goods

Electronic Protection
- Extended Warranty: Extends the manufacturer’s warranty for electronic devices, covering repairs or replacements for defects beyond the initial warranty period.
- Accidental Damage Protection: Coverage for accidental damage such as drops or spills that affect the functionality of electronic devices.
- Theft Protection: Reimbursement or replacement in case of theft of electronic devices.
Furniture Protection
- Total Loss Coverage: Compensation for the total loss of furniture due to theft or irreparable damage.
- Accidental Damage Coverage: Protection against accidental damage such as stains, scratches, or structural damage.
- Extended Warranty: Extends the manufacturer’s warranty for furniture, covering repairs or replacements for defects beyond the initial warranty period.
Mother & Child Protection
- Baby Gear Insurance: Coverage for baby gear items like strollers, car seats, and cribs against damage or loss.
- Maternity Insurance: Coverage for maternity-related medical expenses and hospital stays.
Automotive Protection
- Extended Warranty: Extends the manufacturer’s warranty for automotive parts, covering repairs or replacements beyond the initial warranty period.
- Accidental Damage Coverage: Protection for automotive parts and accessories against accidental damage.
- Theft Protection: Reimbursement or replacement in case of theft of automotive parts and accessories.
Total Damage Protection
- Comprehensive Coverage: Covers a wide range of damages, including accidental damage, theft, natural disasters, and other unforeseen events that result in total loss.
- Repair and Replacement: Offers repair or replacement services for damaged goods.
Hobby Travel Protection
- Equipment Insurance: Coverage for travel-related hobby equipment such as sports gear, musical instruments, and cameras against damage or loss.
- Specific Hobby Coverage: Tailored insurance options for specific hobbies and activities, ensuring adequate protection.
Eyewear Protection
- Accidental Damage Coverage: Protection for eyeglasses and contact lenses against accidental damage.
- Theft Protection: Reimbursement or replacement in case of theft of eyewear.
- Extended Warranty: Extends the manufacturer’s warranty for eyewear, covering repairs or replacements beyond the initial warranty period.
100% Money Back Guarantee
- Satisfaction Guarantee: Offers a full refund if the insured product does not meet the policyholder’s expectations or if they change their mind within a specified period.
Ready Stock Guarantee
- Availability Assurance: Ensures that the insured product is readily available in stock, providing compensation or alternatives if the product is unavailable when needed.

Our API supports multiple programming languages, including Shell, Ruby, Java, Go, PHP, and Python. Explore the code examples provided in the dark area to the right and easily switch between programming languages using the tabs in the top right corner.

Whether you're in the staging/test environment or the production/live environment, you can seamlessly integrate with our API by specifying the appropriate sub-domains in the URL.

Host

Environment	Host Address
Staging	https://api-staging.qoala.app
Uat	https://uat.qoala.app
Production	https://api.qoala.app