Insurance Data Sharing 2 min read
The Open Finance Insurance Data Sharing capabilities enable secure, consent-driven access to a customer’s insurance policy data across the UAE’s major sectors. These services empower licensed third-party providers (TPPs) to deliver policy aggregation, switching support, broking, claims assistance, and value-added digital insurance services.
All data access operates under explicit customer consent, with granular permission scopes, strict expiry controls, and full auditability.
Insurance Service Provider
Access to the Insurance Data Sharing APIs requires the ISP role. This role must be assigned to your application in the Trust Framework before making any insurance policy requests. See Roles for the full list of scopes and grant types this role permits.
Policy Information
Provides consented access to a customer’s insurance policy details — product, status, dates, sums insured, coverage, exclusions, and policy-holder information. Returned per insurance sector through dedicated /{type}-insurance-policies endpoints.
Customer & Beneficiaries
Returns identity, contact, and beneficiary information held on the policy — controlled by ReadCustomerBasic, ReadCustomerDetail, and ReadCustomerPaymentDetails permissions and subject to data-minimisation rules.
Premium & Pricing
Premium amounts, discounts, frequency, and VAT components for the policy. When the customer grants ReadInsurancePremium, premium values are returned as an encrypted JWE so they can only be decrypted on the customer’s device.
Claims History
When granted ReadCustomerClaims, exposes claims raised against the policy — status, dates, amounts, and the events that triggered them. Enables switching, broking, and risk-assessment use cases.
Product Information
Structured product detail for the underwritten policy — cover type, features, terms, and add-ons. Returned under the ReadInsuranceProduct permission.
Insurance types covered
Each insurance type has its own pair of endpoints — a list endpoint and a per-policy detail endpoint. An LFI exposes the endpoints for the types it underwrites.
/employment-insurance-policies/health-insurance-policies/home-insurance-policies/life-insurance-policies/motor-insurance-policies/renters-insurance-policies/travel-insurance-policiesWhich LFIs are live for Insurance Data Sharing
LFIs currently exposing any Insurance API resource in the Open Finance directory.
Browse this section
The full set of pages for the Insurance Data Sharing API.
Insurance Data Sharing — Requirements
Validation rules and behaviour every Insurance Data Sharing endpoint must follow.
Insurance Data Sharing — API Guide
Implementation walkthrough — consent, redirect, token exchange, calling the policy endpoints, and decrypting the premium JWE.
Insurance Data Sharing — User Journeys
The end-to-end flows your customer experiences when sharing insurance data through your application.
Get Employment Insurance Policies
OpenAPI reference for the GET /employment-insurance-policies endpoint.
Get a Employment Insurance Policy
OpenAPI reference for the GET /employment-insurance-policies/{InsurancePolicyId} endpoint.
Get Health Insurance Policies
OpenAPI reference for the GET /health-insurance-policies endpoint.
Get a Health Insurance Policy
OpenAPI reference for the GET /health-insurance-policies/{InsurancePolicyId} endpoint.
Get Home Insurance Policies
OpenAPI reference for the GET /home-insurance-policies endpoint.
Get a Home Insurance Policy
OpenAPI reference for the GET /home-insurance-policies/{InsurancePolicyId} endpoint.
Get Life Insurance Policies
OpenAPI reference for the GET /life-insurance-policies endpoint.
Get a Life Insurance Policy
OpenAPI reference for the GET /life-insurance-policies/{InsurancePolicyId} endpoint.
Get Motor Insurance Policies
OpenAPI reference for the GET /motor-insurance-policies endpoint.
Get a Motor Insurance Policy
OpenAPI reference for the GET /motor-insurance-policies/{InsurancePolicyId} endpoint.
Get Renters Insurance Policies
OpenAPI reference for the GET /renters-insurance-policies endpoint.
Get a Renters Insurance Policy
OpenAPI reference for the GET /renters-insurance-policies/{InsurancePolicyId} endpoint.
Get Travel Insurance Policies
OpenAPI reference for the GET /travel-insurance-policies endpoint.
Get a Travel Insurance Policy
OpenAPI reference for the GET /travel-insurance-policies/{InsurancePolicyId} endpoint.