openapi: 3.0.1
info:
  title: Ozone Connect - Insurance APIs

  contact:
    name: Ozone Financial Technology Limited

  description: |
    This document provides the OAS3 specification for Insurance APIs for Ozone Connect.

    These APIs should be implemented by a Financial Institution so that Ozone
    can expose these end-points to TPPs.

    ####Please Testrefer Caseto Referencesthe API Hub documentation   This description contains a number of references in the form `XXX-999-999`. These are referencesfor details of test cases that are 
    toavailable testfor casethis numbersAPI inusing the Ozone Connect Testtest suite.

Harness that financial institutions may### useChanges toin testVersion 2025.06.0

  their Ozone Connect* implementations.Removed Pleasetest notecase thatguidance theseand errorsreferences arefrom intendedthe forAPI pre-productiondescription as now 
 testing by the financial institution andmaintained areon thereforea notAPI mandatedHub fordocumentation implementationpage.

    ### Changes in Version 20242025.4803.10

    * Changed `Customer` to optional in AEMotorInsurancePolicy as not required for all data clusters

    * Removed `PolicyType` from AEMotorInsurancePolicy as no longer required

    ### Changes in Version 2024.48.0

    * Changed API Paths Get /motor-insurance-policies

    * Changed API Paths Get /motor-insurance-policies/{InsurancePolicyId}

    * Changed API Paths Get /motor-insurance-policies/{InsurancePolicyId}/customer-payment-details endpoint.

    ### Changes in Version 2024.46.0

    * Changed `default` value of `page-size` to 100 to match OFP SLA

    #### Changes in Release 2024.37.0

    * Added `default` response to each operation to aid understanding of error handling requirements.

    * Add codes specified to drive integration testing in all 3 endpoints.

    #### Changes in Release 2024.34.1

    * Introduced new Get /insurance-policies/{InsurancePolicyId}/customer-payment-details endpoint.

    * Marked page and page-size query parameters as mandatory for Get /insurance-policies

    * Removed propagateError field from the Error object.

    * Refactored Security Scheme Objects to use common definitions across all API Hub APIs

    * Implemented the correct Security Requirements for this API description, reflecting security patterns available in API Hub

    #### Changes in Release 2024.34

    * Marked o3-caller-org-id, o3-caller-client-id, o3-caller-software-statement-id, o3-consent-id, o3-caller-interaction-id and o3-psu-identifier headers mandatory.

  version: 20242025.4806.10

tags:
  - name: Insurance Policies
    description: |
      APIs that should be implemented by Financial Institutions to expose `Insurance` information to TPPs.
  - name: Insurance Customer Payment Details
    description: Retrieve customer payment details for insurance policies
servers:
  - url: https://<your-ozone-connect-server>

security:
  - {}
  - OzoneConnectApiKey: []
  - OzoneConnectClientCredentials: [
      "placeholder"
    ]
  - OzoneConnectJwtAuth: []

paths:
  /motor-insurance-policies:
    get:
      tags:
        - Insurance Policies
      operationId: InsurancePolicies_list
      summary: Get insurance policies
      description: |
        This operation retrieves a list of insurance policies for a given consent

      parameters:
        # common header parameters that set context
        - $ref: "#/components/parameters/providerId"
        - $ref: "#/components/parameters/aspspId"
        - $ref: "#/components/parameters/callerOrgId"
        - $ref: "#/components/parameters/callerClientId"
        - $ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/parameters/apiOperation"
        - $ref: "#/components/parameters/consentId"
        - $ref: "#/components/parameters/callerInteractionId"
        - $ref: "#/components/parameters/ozoneInteractionId"
        - $ref: "#/components/parameters/psuIdentifier"

        # Query params
        - $ref: "#/components/parameters/page"
        - $ref: "#/components/parameters/page-size"

      responses:
        '200':
          $ref: "#/components/responses/InsurancePoliciesGetResponse"
        '"400'":
          description$ref: |
  "#/components/responses/BadRequestError"
        "401":
The operation __must__ be failed with a status of `400` under the following error conditions:$ref: "#/components/responses/UnauthorizedError"
        default:
       - ###### INS-010-030 $ref: "#/components/responses/Error"
  /motor-insurance-policies/{InsurancePolicyId}:
    get:
    The `o3-provider-id` header is missing or has an unexpected value

   tags:
        - Insurance Policies
      operationId: InsurancePoliciesById_read
 - ###### INS-010-030   summary: Get insurance policy
      description: This The `o3-aspsp-id` header is missing or has an unexpected valueoperation retrieves a single insurance policy for a given consent

      parameters:
     - ###### INS-010-040 # common header parameters           The FI should fail the call if the `o3-psu-identifier` header is not specified.

            The operation __may__ be failed with a status of `400` under the following error conditions:

            - ###### INS-010-070, INS-010-080, INS-010-090
              One or more of the mandatory header parameters is not specified or has an unexpected value
              - `o3-api-uri`,
              - `o3-api-operation`,
              - `o3-ozone-interaction-id`

          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        '401':
          description: |
            The operation __must__ be failed with a status of `401` under the following error conditions:
            The API consumer is not authorised.
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        default:
          $ref: "#/components/responses/Error"
  /motor-insurance-policies/{InsurancePolicyId}:
    get:
      tags:
        - Insurance Policies
      operationId: InsurancePoliciesById_read
      summary: Get insurance policy
      description: |
        This operation retrieves a single insurance policy for a given consent

        ###### INS-020-010
        The API must return the insurance specified by the `InsurancePolicyId` path parameter.

      parameters:
        # common header parameters that set context
        - $ref: "#/components/parameters/providerId"
        - $ref: "#/components/parameters/aspspId"
        - $ref: "#/components/parameters/callerOrgId"
        - $ref: "#/components/parameters/callerClientId"
        - $ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/parameters/apiOperation"
        - $ref: "#/components/parameters/consentId"
        - $ref: "#/components/parameters/callerInteractionId"
        - $ref: "#/components/parameters/ozoneInteractionId"
        - $ref: "#/components/parameters/psuIdentifier"
        - $ref: '#/components/parameters/InsurancePolicyId'

      responses:
        '200':
          $ref: "#/components/responses/InsurancePolicyGetResponse"
        '400':
          description: |
            The operation __must__ be failed with a status of `400` under the following error conditions:

            - ###### INS-020-020
              The insurance corresponding to the `InsurancePolicyId` parameter does not exist or is under a bar

            - ###### INS-020-030
              The `o3-provider-id` header is missing or has an unexpected value

            - ###### INS-020-030
              The `o3-aspsp-id` header is missing or has an unexpected value

            - ###### INS-020-040
              The FI should fail the call if the `o3-psu-identifier` header is not specified.

            - ###### INS-020-050
              If both the `InsurancePolicyId` and `o3-psu-identifier` header are not specified.

            The operation __may__ be failed with a status of `400` under the following error conditions:

            - ###### INS-020-070, INS-020-080, INS-020-090
              One or more of the mandatory header parameters is not specified or has an unexpected value
              - `o3-api-uri`,
              - `o3-api-operation`,
              - `o3-ozone-interaction-id`

          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        '401':
          description: |
            The operation __must__ be failed with a status of `401` under the following error conditions:
            The API consumer is not authorised.
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        default:
          $ref: "#/components/responses/Error"
  /motor-insurance-policies/{InsurancePolicyId}/customer-payment-details:
    get:
      tags:
        - Insurance Customer Payment Details
      operationId: InsurancePolicyByIdBankAccountDetails_read
      summary: Retrieve customer payment details
      description: |
        Retrieve customer payment details for a given insurance policy, based on
        data clusters granted by the customer.

        ###### INS-030-010
        The API must return the insurance specified by the `InsurancePolicyId` path parameter.

      parameters:
        # common header parameters that set context
        - $ref: "#/components/parameters/providerId"
        - $ref: "#/components/parameters/aspspId"
        - $ref: "#/components/parameters/callerOrgId"
        - $ref: "#/components/parameters/callerClientId"
        - $ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/parameters/apiOperation"that set context
        - $ref: "#/components/parameters/consentIdproviderId"
        - $ref: "#/components/parameters/callerInteractionIdaspspId"
        - $ref: "#/components/parameters/ozoneInteractionIdcallerOrgId"
        - $ref: "#/components/parameters/psuIdentifiercallerClientId"
        - $ref: '"#/components/parameters/InsurancePolicyId'callerSoftwareStatementId"
       responses:         '200':
- $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/responsesparameters/InsuranceCustomerPaymentGetResponseapiOperation"
        '400':
          description: |- $ref: "#/components/parameters/consentId"
            - ###### INS-030-020
              The insurance corresponding to the `InsurancePolicyId` parameter does not exist or is under a bar

            - ###### INS-030-030
- $ref: "#/components/parameters/callerInteractionId"
        - $ref: "#/components/parameters/ozoneInteractionId"
  The `o3-provider-id` header is missing or has- an unexpected value$ref: "#/components/parameters/psuIdentifier"
        - $ref: '#/components/parameters/InsurancePolicyId'

  - ###### INS-030-030  responses:
        '200':
   The `o3-aspsp-id` header is missing or has an unexpected value$ref: "#/components/responses/InsurancePolicyGetResponse"
        "400":
     - ###### INS-030-040   $ref: "#/components/responses/BadRequestError"
        "401":
 The FI should fail the call if the `o3-psu-identifier` header is not specified. $ref: "#/components/responses/UnauthorizedError"
        default:
      - ###### INS-030-050  $ref: "#/components/responses/Error"
  /motor-insurance-policies/{InsurancePolicyId}/customer-payment-details:
    get:
   If both the `InsurancePolicyId`tags:
and `o3-psu-identifier` header are not specified.   - Insurance Customer Payment Details
      TheoperationId: operation __may__ be failed with a status of `400` under the following error conditions:InsurancePolicyByIdBankAccountDetails_read
      summary: Retrieve customer payment details
      description: |
      - ###### INS-030-070, INS-030-080, INS-030-090
        Retrieve customer payment details for a given insurance policy, based on
      One or moredata ofclusters thegranted mandatoryby header parameters is not specified or has an unexpected value
 the customer.

      parameters:
        # common header parameters - `o3-api-uri`,
that set context
        - $ref: "#/components/parameters/providerId"
  - `o3-api-operation`,     - $ref: "#/components/parameters/aspspId"
       - `o3-ozone-interaction-id` $ref: "#/components/parameters/callerOrgId"
        - content$ref: "#/components/parameters/callerClientId"
        -   application/json:$ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
   schema:     - $ref: "#/components/parameters/apiOperation"
        - $ref: "#/components/schemasparameters/ErrorconsentId"
        - '401':
     $ref: "#/components/parameters/callerInteractionId"
    description: |   - $ref: "#/components/parameters/ozoneInteractionId"
       The operation __must__ be failed with a status of `401` under the following error conditions:
- $ref: "#/components/parameters/psuIdentifier"
        - $ref: '#/components/parameters/InsurancePolicyId'

      responses:
   The API consumer is not authorised. '200':
          content$ref: "#/components/responses/InsuranceCustomerPaymentGetResponse"
           application/json"400":
          $ref: "#/components/responses/BadRequestError"
  schema:      "401":
          $ref: "#/components/schemasresponses/ErrorUnauthorizedError"
        default:
          $ref: "#/components/responses/Error"
components:
  schemas:

    InsurancePolicyGetResponseBody:
      type: object
      properties:
        data:
          $ref: '#/components/schemas/AEInsurancePolicyTypes'
        meta:
          $ref: "#/components/schemas/Meta"

    InsurancePoliciesGetResponseBody:
      type: object
      properties:
        data:
          type: array
          items:
            $ref: '#/components/schemas/AEInsurancePolicyTypes'
        meta:
          $ref: "#/components/schemas/Meta"

    InsuranceCustomerPaymentGetResponseBody:
      type: object
      properties:
        data:
          $ref: '#/components/schemas/AEInsuranceCustomerPaymentDetails'
        meta:
          $ref: "#/components/schemas/Meta"

    AEInsuranceCustomerPaymentDetails:
      type: object
      required:
        - SchemeName
        - Identification
        - Name
      properties:
        SchemeName:
          $ref: '#/components/schemas/AEInsuranceAccountSchemeName'
        Identification:
          type: string
          minLength: 1
          maxLength: 34
          description: Account identification
        Name:
          type: string
          minLength: 1
          maxLength: 140
          description: Account Name
        Bic:
          type: string
          pattern: '[A-Z0-9]{4}[A-Z0-9]{2}[A-Z0-9]{2}([A-Z0-9]{3}){0,1}'
          description: >-
            Bank Identification Code (BIC), when recorded with bank account
            information
        BankName:
          type: string
          minLength: 1
          maxLength: 140
          description: Bank Name
        BranchName:
          type: string
          minLength: 1
          maxLength: 140
          description: Branch Name
        AccountType:
          type: string
          minLength: 1
          maxLength: 35
          description: Account Type
      additionalProperties: false

    AEInsuranceAccountSchemeName:
      type: string
      enum:
        - AccountNumber
        - IBAN
        - Other
      description: Bank account scheme name

    AEInsurancePolicyTypes:
      $ref: '#/components/schemas/AEMotorInsurancePolicy'

    AEMotorInsurancePolicy:
      type: object
      required:
        - InsurancePolicyId
    
   - PolicyType       properties:
        InsurancePolicyId:
          allOf:
            - $ref: '#/components/schemas/uuid'
          description: Unique identifier for a given insurance policy
        Customer:
          $ref: '#/components/schemas/AEMotorInsuranceCustomer'
        Product:
          $ref: '#/components/schemas/AEMotorInsuranceProduct'
        Transactions:
          $ref: '#/components/schemas/AEMotorInsuranceTransactions'
      additionalProperties: false

    AEMotorInsuranceCustomer:
      type: object
      required:
        - CustomerId
        - FullName
        - PrimaryLanguage
      properties:
        CustomerId:
          type: string
          description: >-
            Identifier that uniquely and consistently identifies the insurance
            policy customer
        FullName:
          type: string
          description: Full name of the insurance policy customer
        ShortName:
          type: string
          description: Short name of the insurance policy customer
        CategorySegment:
          type: string
          description: Customer category or segment, as defined by the insurance company
        LocalBranch:
          type: string
          description: Local branch, as defined by the insurance company
        PrimaryLanguage:
          $ref: '#/components/schemas/AECustomerPrimaryLanguage'
        BillingAddress:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceAddress'
          description: Customer billing address
        PermanentAddress:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceAddress'
          description: Customer permanent address
        ResidentialAddress:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceAddress'
          description: Customer residential address
        CommunicationPreferences:
          type: array
          items:
            $ref: '#/components/schemas/AEInsuranceCommunicationPreferences'
          minItems: 1
          maxItems: 3
          description: Customer phone communication preferences, in prefer order
        BackgroundInformation:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCustomerBackgroundInformation'
          description: Customer background information
        EmploymentInformation:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCustomerEmploymentDetails'
          description: Customer employment details
        IdentityInformation:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceIdentificationDetails'
          description: Customer identification information
        EmergencyContacts:
          type: array
          items:
            type: string
          description: Customer emergency contacts, in prefer order
      additionalProperties: false

    AEMotorInsuranceProduct:
      type: object
      required:
        - InsuredVehicle
        - Policy
      properties:
        InsuredVehicle:
          $ref: '#/components/schemas/AEMotorInsuranceVehicle'
        Policy:
          $ref: '#/components/schemas/AEMotorInsurancePolicyProperties'
      additionalProperties: false

    AEMotorInsuranceTransactions:
      type: object
      required:
        - PolicyPremiumValue
        - PolicyPremiumPaymentPeriod
        - OutstandingPremiumBalance
      properties:
        PolicyPremiumValue:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Policy premium value
        PolicyPremiumPaymentPeriod:
          type: string
          minLength: 1
          maxLength: 35
          description: Policy premium payment period as defined by the insurer
        OutstandingPremiumBalance:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Outstanding premium balance
        TwelveMonthClaimSummary:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceClaimSummary'
          description: Summary of claims in last twelve months
        ThirtySixMonthClaimSummary:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceClaimSummary'
          description: Summary of claims in last thirty-six months
        Loan:
          allOf:
            - $ref: '#/components/schemas/AEMotorInsuranceLoanDetails'
          description: Loan details
        BenefitPayouts:
          type: array
          items:
            $ref: '#/components/schemas/AEMotorInsuranceBenefitPayout'
          description: Benefit payout details
        Claims:
          type: array
          items:
            $ref: '#/components/schemas/AEInsuranceClaimDetails'
          minItems: 1
          maxItems: 3
          description: >-
            Indivdual claim details, maximim of three claims returned in
            response. Omit if no claims made
        PreviousPolicies:
          type: array
          items:
            $ref: '#/components/schemas/AEMotorInsurancePreviousPolicyDetails'
          minItems: 1
          maxItems: 2
          description: Previous policy details
      description: Insurance transaction information
      additionalProperties: false

    AEMotorInsuranceVehicle:
      type: object
      properties:
        Make:
          type: string
          minLength: 1
          maxLength: 70
          description: Vehicle make
        Model:
          type: string
          minLength: 1
          maxLength: 140
          description: Vehicle model
        ModelYear:
          type: string
          pattern: ^[0-9]{4}$
          description: Vehicle model year
        PurchaseDate:
          type: string
          format: date
          description: Vehicle purchase date
        Specification:
          type: string
          minLength: 1
          maxLength: 140
          description: Vehicle specification
        EstimatedValue:
          type: integer
          format: int32
          description: Vehicle estimated value
        RegistrationDate:
          type: string
          format: date
          description: Vehicle registration date
        VehicleIdentificationNumber:
          type: string
          minLength: 1
          maxLength: 35
          description: Vehicle Identification Number (VIN or chassis number)
        EngineNumber:
          type: string
          description: Vehicle engine number
        CountryofOrigin:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCountryCode'
          description: Vehicle registration country based on ISO 3166-1 alpha-2 code
        Color:
          type: string
          description: Vehicle color
        PlateNumber:
          type: string
          minLength: 1
          maxLength: 16
          description: Vehicle plate number
        PlateCode:
          type: string
          minLength: 1
          maxLength: 16
          description: Vehicle plate code
        VehicleMileage:
          type: integer
          formatminimum: int640
          description: Vehicle mileage to nearest kilometer
        VehicleWeight:
          type: integer
          formatminimum: int640
          description: Vehicle weight to nearest kilograms
        TrafficCodeIssuingEmirate:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceEmirate'
          description: Emirate that issued the traffic code for the vehicle
        TrafficIdentificationNumber:
          type: string
          minLength: 1
          maxLength: 35
          description: Traffic identification number
        VehicleHistory:
          allOf:
            - $ref: '#/components/schemas/VehicleHistory'
          description: Indicator of vehicle history
        FirstTimeRegistration:
          type: boolean
          description: First time vehicle was registered
        VehicleFinance:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Vehicle finance amount and currency
      additionalProperties: false

    AEMotorInsurancePolicyProperties:
      type: object
      required:
        - PolicyReference
        - IssueDateTime
        - ExpiryDateTime
        - CoverageType
        - PolicyLimits
        - PolicyExclusions
        - CoverageAmount
        - CoverageStartDate
        - CoverageEndDate
      properties:
        PolicyReference:
          $ref: '#/components/schemas/PolicyReference'
        IssueDateTime:
          type: string
          format: date
          description: Date when the policy was issued
        ExpiryDateTime:
          type: string
          format: date
          description: Date when the policy expires
        CoverageType:
          type: string
          minLength: 1
          maxLength: 170
          description: Freeform text that describes coverage as specified by the insurer
        PolicyLimits:
          type: string
          minLength: 1
          maxLength: 350
          description: Policy limits as free form text
        PolicyExclusions:
          type: string
          minLength: 1
          maxLength: 350
          description: Policy exclusions as free form text
        CoverageAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Coverage amount and currency
        CoverageStartDate:
          type: string
          format: date
          description: Date when the coverage starts
        CoverageEndDate:
          type: string
          format: date
          description: Date when the coverage ends
        PreviousPolicyInformation:
          allOf:
            - $ref: '#/components/schemas/AEMotorInsurancePreviousPolicy'
          description: Details of previous policy held by the insurer
        DriversPersonalAccidentIncluded:
          type: boolean
          description: >-
            Indicates whether the policy includes personal accident coverage for
            the driver
        PassengersPersonalAccidentIncluded:
          type: boolean
          description: >-
            Indicates whether the policy includes personal accident coverage for
            the passengers
      additionalProperties: false

    AEAmountAndCurrency:
      type: object
      required:
        - Currency
        - Amount
      properties:
        Currency:
          $ref: '#/components/schemas/CurrencyCode'
        Amount:
          $ref: '#/components/schemas/Amount'
      description: >-
        The Currency and Amount relating to the Payment, Refund or Request to
        Pay
      additionalProperties: false

    AEInsuranceClaimSummary:
      type: object
      required:
        - NumberClaims
      properties:
        NumberClaims:
          type: integer
          formatminimum: int640
          description: Number of claims in period
        NumberApprovedClaims:
          type: integer
          formatminimum: int640
          description: Number of approved claims in period
        TotalClaimsAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Total amount of claims in period
        TotalApprovedClaimsAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Total amount of approved claims in period
      additionalProperties: false

    AEMotorInsuranceLoanDetails:
      type: object
      required:
        - LoanAmount
        - LoanStartDate
        - LoanInterestRate
        - RepaymentSchedule
        - OutstandingLoanBalance
      properties:
        LoanAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Loan amount and currency
        LoanStartDate:
          type: string
          format: date
          description: Loan start date
        LoanInterestRate:
          type: number
          description: Loan interest rate
        RepaymentSchedule:
          type: string
          minLength: 1
          maxLength: 16
          description: Repayment frequency
        OutstandingLoanBalance:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Outstanding loan balance
      description: Loan details
      additionalProperties: false

    AEMotorInsuranceBenefitPayout:
      type: object
      required:
        - Amount
        - Date
      properties:
        Amount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Benefit payout amount and currency
        Date:
          type: string
          format: date
          description: Benefit payout date
      description: Benefit payout
      additionalProperties: false

    AEInsuranceClaimDetails:
      type: object
      required:
        - ClaimDate
        - Description
        - Status
        - ClaimAmount
      properties:
        ClaimDate:
          type: string
          format: date
          description: Date on which claim submitted
        Description:
          type: string
          minLength: 1
          maxLength: 140
          description: Claim description
        Status:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceClaimStatus'
          description: Claim status
        ClaimAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Claim amount and currency
        DeductibleAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Deductible amount and currency
      description: Individual claim detail
      additionalProperties: false

    AEMotorInsurancePreviousPolicyDetails:
      type: object
      required:
        - InsuranceCompanyName
        - PolicyReference
        - PurchaseDate
        - minItems
        - maxItems
        - CoverageType
      properties:
        InsuranceCompanyName:
          type: string
          minLength: 1
          maxLength: 140
          description: Previous insurer
        PolicyReference:
          type: string
          minLength: 1
          maxLength: 70
          description: Previous policy reference
        PurchaseDate:
          type: string
          format: date
          description: Previous policy start date
        minItems:
          type: number
          enum:
            - 1
          description: Previous policy renewal dates, up to two renewals
        maxItems:
          type: number
          enum:
            - 2
        RenewalDate:
          type: array
          items:
            type: string
            format: date
        DeductibleAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Deductible amount and currency
        CoverageType:
          type: string
          minLength: 1
          maxLength: 35
          description: Policy coverage type
        Adjustments:
          type: array
          items:
            $ref: '#/components/schemas/AEMotorInsurancePolicyAdjustments'
          minItems: 1
          maxItems: 2
          description: >-
            Policy adjustments recorded on the policy. Omit if no adjustments
            made
        Loan:
          allOf:
            - $ref: '#/components/schemas/AEMotorInsuranceLoanDetails'
          description: Loan details
        BenefitPayouts:
          type: array
          items:
            $ref: '#/components/schemas/AEMotorInsuranceBenefitPayout'
          description: Benefit payout details
        TerminationDate:
          type: string
          format: date
          description: Policy termination date
        ReasonforCancellation:
          type: string
          minLength: 1
          maxLength: 140
          description: Reason for policy termination
        RefundAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Refund amount and currency
        SurrenderDate:
          type: string
          format: date
          description: Surrender date
        SurrenderAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Surrender amount and currency
        ReasonforSurrender:
          type: string
          description: Reason for surrender
        CashValueofPolicyPaidtoPolicyholder:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Cash value of policy paid to policyholder
      description: Previous policy details
      additionalProperties: false

    AEInsuranceCountryCode:
      type: string
      pattern: '[A-Z]{2}'

    AEInsuranceEmirate:
      type: string
      enum:
        - AbuDhabi
        - Ajman
        - Dubai
        - Fujairah
        - RasAlKhaimah
        - Sharjah
        - UmmAlQuwain

    VehicleHistory:
      type: string
      enum:
        - Imported
        - Modified
        - DeclaredTotalLoss
        - Other

    PolicyReference:
      type: string
      description: Insurance policy identifier issued by the insurer

    AEMotorInsurancePreviousPolicy:
      type: object
      required:
        - Insurer
        - PolicyStartDate
        - PolicyExpiryDate
      properties:
        Insurer:
          type: string
          description: Previous issuer
        PolicyStartDate:
          type: string
          format: date
          description: Previous policy start date
        PolicyExpiryDate:
          type: string
          format: date
          description: Previous policy expiry date
        PreviousClaims:
          type: array
          items:
            $ref: '#/components/schemas/PreviousClaims'
          description: >-
            Claims on previous policy. If there are no claims on the policy then
            this property is not required
      additionalProperties: false

    AEInsuranceAddress:
      type: object
      required:
        - AddressLine
        - PostCode
        - TownName
        - CountrySubDivision
        - Country
      properties:
        AddressLine:
          type: array
          items:
            $ref: '#/components/schemas/AEInsuranceAddressLine'
          minItems: 1
          maxItems: 3
          description: Address line in free format text
        PostCode:
          type: string
          minLength: 1
          maxLength: 16
          description: Postal code
        TownName:
          type: string
          minLength: 1
          maxLength: 140
          description: Name of a built-up area, such as a town or city
        CountrySubDivision:
          type: string
          minLength: 1
          maxLength: 35
          description: Country subdivision, such as state or province
        Country:
          type: string
          pattern: '[A-Z]{2}'
          description: Country based on ISO 3166-1 alpha-2 code
      description: Address information based on ISO 20022
      additionalProperties: false

    AEInsuranceCommunicationPreferences:
      type: object
      required:
        - Type
        - PhoneNumber
      properties:
        Type:
          $ref: '#/components/schemas/AEInsuranceCommunicationPreferenceTypes'
        PhoneNumber:
          $ref: '#/components/schemas/AEInsuranceMobileNumber'
      additionalProperties: false

    AEInsuranceCommunicationPreferenceTypes:
      type: string
      enum:
        - Home
        - Mobile
        - Other
      description: Phone communication preference types

    AEInsuranceMobileNumber:
      type: string


    AEInsuranceAddressLine:
      type: string
      minLength: 1
      maxLength: 70

    AECustomerPrimaryLanguage:
      type: string
      enum:
        - English
        - Arabic
        - Other
      description: Primary language spoken by the insurance policy customer

    AEInsuranceCustomerBackgroundInformation:
      type: object
      required:
        - Gender
        - DateOfBirth
        - MaritalStatus
        - Nationality
        - Salutation
      properties:
        Gender:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceGender'
          description: Gender
        DateOfBirth:
          type: string
          format: date
          description: Date of birth
        MaritalStatus:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceMartitalStatus'
          description: Martial status
        EducationBackground:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceEducationBackground'
          description: Education background
        Nationality:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCountryCode'
          description: Nationality, based on ISO 3166-1 alpha-2 code
        SecondNationality:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCountryCode'
          description: >-
            Second nationality, based on ISO 3166-1 alpha-2 code. Presence of
            second nationality indicates customer is dual national
        Salutation:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceSalutation'
          description: Customer salutation
        CountryOfBirth:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCountryCode'
          description: Country of birth
        PlaceOfBirth:
          type: string
          minLength: 1
          maxLength: 140
          description: Place of birth
        Religion:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceReligion'
          description: Religion
        MotherMaidenName:
          type: string
          minLength: 1
          maxLength: 140
          description: Mother's maiden name
        SpouseName:
          type: string
          minLength: 1
          maxLength: 140
          description: Spouse name
        SpouseDateOfBirth:
          type: string
          format: date
          description: Spouse date of birth
        SpouseEmploymentDetails:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceEmploymentStatus'
          description: Spouse employment details
        SpousePhoneNumber:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceMobileNumber'
          description: Spouse phone number
        NumberOfDependents:
          type: integer
          formatminimum: int640
          description: Number of dependents
      additionalProperties: false

    AEInsuranceCustomerEmploymentDetails:
      type: object
      properties:
        Profession:
          type: string
          minLength: 1
          maxLength: 70
          description: Profession
        ProfessionDescription:
          type: string
          minLength: 1
          maxLength: 140
          description: Profession description
        EmployerName:
          type: string
          minLength: 1
          maxLength: 70
          description: Employer name
        EmployerAddress:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceAddress'
          description: Employer address
        EmploymentStatus:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceEmploymentStatus'
          description: Employment status
        EmploymentStartDate:
          type: string
          format: date
          description: Employment start date
        EmploymentLocation:
          type: string
          minLength: 1
          maxLength: 70
          description: Employment location
        NatureOfEmployerBusiness:
          type: string
          minLength: 1
          maxLength: 140
          description: Nature of employer business
        Designation:
          type: string
        SourceOfIncome:
          type: string
          minLength: 1
          maxLength: 70
          description: Source of income as a free form description
        IncomeCurrency:
          type: string
          pattern: '[A-Z]{3}'
          description: Income currency
        MonthlyIncome:
          type: number
          format: decimal
          description: Monthly income in AED
        AnnualIncome:
          type: number
          format: decimal
          description: Annual income in AED
      additionalProperties: false

    AEInsuranceIdentificationDetails:
      type: object
      properties:
        EidNumber:
          type: string
          pattern: ^784-?[0-9]{4}-?[0-9]{7}-?[0-9]{1}$
          description: Emirates identification number
        EidExpiryDate:
          type: string
          format: date
          description: Emirates ID expiry date
        PassportIssueCountry:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCountryCode'
          pattern: ^[A-Z]{2,2}$
          description: Passport issuing country code
        PassportNumber:
          type: string
          pattern: ^[A-Z0-9]+$
          description: Passport number
        PassportIssueDate:
          type: string
          format: date
          description: Passport issue date
        PassportExpiryDate:
          type: string
          format: date
          description: Passport expiry date
        VisaNumber:
          type: string
          pattern: ^[0-9]+$
          description: Visa number
        VisaIssueCountry:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceCountryCode'
          pattern: ^[A-Z]{2,2}$
          description: Visa issuing country code
        VisaIssueDate:
          type: string
          format: date
          description: Visa issue date
        VisaExpiryDate:
          type: string
          format: date
          description: Visa expiry date
        UaeDrivingLicenseNumber:
          type: string
          description: UAE driving license number
        UaeDrivingLicenseIssueDate:
          type: string
          format: date
          description: UAE driving license issue date
        UAEDrivingLicenseIssuingEmirate:
          allOf:
            - $ref: '#/components/schemas/AEInsuranceEmirate'
          description: Emirate where driving license was issued
        MulkiyaCard:
          type: string
          format: base64
          description: Mulkiya card as a Base64-encoded PDF document
        HomeCountryDrivingLicenseNumber:
          type: string
          minLength: 1
          maxLength: 70
          description: Home driving license number
      additionalProperties: false

    PreviousClaims:
      type: object
      required:
        - ClaimDescription
      properties:
        ClaimAmount:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Claim amount and currency
        ClaimDescription:
          type: string
          minLength: 1
          maxLength: 140
          description: Description of claim using free form text
      additionalProperties: false

    AEInsuranceEducationBackground:
      type: string
      enum:
        - HighSchool
        - Undergraduate
        - Postgraduate
        - Doctorate
        - Other

    AEInsuranceReligion:
      type: string
      enum:
        - Christian
        - Muslim
        - Jewish
        - Hindu
        - Buddhist
        - Other

    AEInsuranceSalutation:
      type: string
      enum:
        - Mr
        - Mrs
        - Ms
        - Miss
        - Dr
        - Prof
        - Other

    AEInsuranceEmploymentStatus:
      type: string
      enum:
        - Employed
        - SelfEmployed
        - Unemployed
        - Retired
        - Other

    Amount:
      type: number

    CurrencyCode:
      type: string
      pattern: ^[A-Z]{3}$

    AEInsuranceClaimStatus:
      type: string
      enum:
        - Submitted
        - Authorized
        - Rejected
        - Pending
        - Completed

    AEMotorInsurancePolicyAdjustments:
      type: object
      required:
        - Date
      properties:
        Date:
          type: string
          format: date
          description: Date of adjustment
        PremiumAdjustment:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Premium adjustment amount and currency
        CoverageAdjustment:
          allOf:
            - $ref: '#/components/schemas/AEAmountAndCurrency'
          description: Coverage adjustment amount and currency
        Reason:
          type: string
          minLength: 1
          maxLength: 140
          description: Reason for adjustment
      description: Policy adjustments
      additionalProperties: false

    AEInsuranceGender:
      type: string
      enum:
        - Male
        - Female
        - Other

    AEInsuranceMartitalStatus:
      type: string
      enum:
        - Single
        - Married
        - Divorced
        - Widowed
        - Separated
        - Other

    uuid:
      type: string
      minLength: 1
      -maxLength: Other128

    AEInsuranceMartitalStatusMeta:
      type: stringobject
      enumrequired:
        - SingletotalPages
      properties:
     - Married  totalPages:
      - Divorced   type: integer
    - Widowed     description: Total number of -pages Separatedwhere a result set is paginated
   - Other      uuidexample: 1
     type additionalProperties: stringfalse

     minLengthError:
1      description: maxLength:Default 128error response payload structure for Ozone Meta:Connect
      type: object
      requiredproperties:
        errorCode:
  - totalPages       propertiestype: string
       totalPages   description: Error code identifying the problem that occurred
   type:   integer  errorMessage:
        description: Total numbertype: ofstring
pages where a result set is paginated    description: Message describing what problem has occurred
example:
1  parameters:
    additionalPropertiesproviderId:
false      Error:name: o3-provider-id
      descriptionin: header
 Default error response payload structure forschema:
Ozone Connect       type: objectstring
      propertiesrequired: true
       errorCodedescription: Identifier for the ASPSP that the request is targetted to
type:
string    callerOrgId:
      descriptionname: Error code identifying the problem that occurred
 o3-caller-org-id
      in: header
      errorMessageschema:
 
        type: string
      required: true
      description: MessageAn describingidentifier whatfor problemthe hasorganization occurredcalling the API

parameters:     providerIdcallerClientId:
      name: o3-providercaller-client-id
      in: header
      schema:
        type: string
      required: true
      description: IdentifierAn identifier for the ASPSPOIDC clientId thatcalling the requestAPI
is
targetted to      callerOrgIdcallerSoftwareStatementId:
      name: o3-caller-orgsoftware-statement-id
      in: header
      schema:
        type: string
      required: true
      description: An identifier for the software organizationstatement calling the API

    callerClientIdapiUri:
      name: o3-callerapi-client-iduri
      in: header
      schema:
        type: string
      required: true
      description: AnThe parameterised identifierURL forof the OIDCAPI being clientIdcalled callingby the APIcaller

    callerSoftwareStatementIdapiOperation:
      name: o3-caller-software-statement-idapi-operation
      in: header
      schema:
        type: string
      required: true
      description: An identifier for the software statement calling the API The API operation carried out by the caller (e.g. GET, POST, PUT, DELETE, PATCH)

    apiUriconsentId:
      name: o3-apiconsent-uriid
      in: header
      schema:
        type: string
      required: true
      description: The consentId parameterisedfor URLwhich ofthis thecall APIis being calledmade
by
the caller      apiOperationcallerInteractionId:
      name: o3-caller-apiinteraction-operationid
      in: header
      schema:
        type: string
      required: true
      description: The APIinteraction operationID carriedpassed outin by the caller (e.g. GET, POST,if PUT,any
DELETE,
PATCH)      consentIdozoneInteractionId:
      name: o3-ozone-consentinteraction-id
      in: header
      schema:
        type: string
      required: true
      description: The consentId for which this call is being made An interaction ID generated by Ozone if the caller did not send in one. If the callerInteractionId is specified, this takes the same value.

    callerInteractionIdpsuIdentifier:
      name: o3-callerpsu-interaction-ididentifier
      in: header
      schema:
        type: string
      required: true
      description: TheA interactionBase64 IDencoded passedrepresentation in byof the caller,psuIdentifier ifJSON anyobject.

    ozoneInteractionIdaspspId:
      name: o3-ozone-interactionaspsp-id
      in: header
      schema:
        type: string
      required: true
      deprecated: true
      description:
An    interaction ID generated by OzoneIdentifier iffor the caller did not send in one. If the callerInteractionId is specified, this takes the same value.

    psuIdentifier:
      name: o3-psu-identifier
financial institution that the request is targetted to.
        This header is deprecated and will be removed in a future version of Ozone Connect. Use `o3-provider-id` instead.

    inpage:
header       schemaname: page
       typein: stringquery
      required: truedescription: Page of results to request (standard pagination)
      descriptionrequired: Atrue
Base64 encoded representation of the psuIdentifier JSONschema:
object.      aspspId:  default: 1
   name: o3-aspsp-id       intype: headerinteger
      schemastyle: form

      typepage-size:
string       requiredname: truepage-size
      deprecatedin: truequery
      description: Page size to request. Default is 25 (standard Identifierpagination)
for the financial institution that the requestrequired: istrue
targetted to.     schema:
   This header is deprecated and willdefault: be100
removed in a future version of Ozone Connect. Use `o3-provider-id` instead.type: integer
      pagestyle: form

    nameInsurancePolicyId:
page       inname: queryInsurancePolicyId
      descriptionin: Pagepath
of results to request (standard pagination) required: true
    required: true description: Unique identifier  for a schema:given insurance policy
      defaultschema:
1         type$ref: integer'#/components/schemas/uuid'

     styleresponses:
form      page-sizeBadRequestError:
      namedescription: page-sizeOperation failed due to a invalid request in:parameter
query       descriptioncontent:
Page size to request. Default is 25 (standard pagination) application/json:
      required: true
      schema:
        default: 100   $ref: "#/components/schemas/Error"
    type: integer       style:
form      InsurancePolicyIdUnauthorizedError:
      namedescription: Operation InsurancePolicyIdfailed due to an invalid credential or in:missing pathtoken
      requiredcontent:
true        descriptionapplication/json:
Unique  identifier for a given insurance policy   schema:
   schema:         $ref: '"#/components/schemas/uuid'Error"

  responses:     Error:
      description: Default error response
      content:
        application/json:
          schema:
            $ref: "#/components/schemas/Error"

    InsurancePoliciesGetResponse:
      description: The request has succeeded.
      headers:
        x-fapi-interaction-id:
          schema:
            type: string
      content:
        application/json:
          schema:
            $ref: "#/components/schemas/InsurancePoliciesGetResponseBody"

    InsurancePolicyGetResponse:
      description: The request has succeeded.
      headers:
        x-fapi-interaction-id:
          schema:
            type: string
      content:
        application/json:
          schema:
            $ref: "#/components/schemas/InsurancePolicyGetResponseBody"

    InsuranceCustomerPaymentGetResponse:
      description: The request has succeeded.
      headers:
        x-fapi-interaction-id:
          schema:
            type: string
      content:
        application/json:
          schema:
            $ref: "#/components/schemas/InsuranceCustomerPaymentGetResponseBody"

  securitySchemes:
    OzoneConnectApiKey:
      description: Communications between the API Hub and the LFI Ozone Connect implementation are secured using an API Key, which is a secret shared between the API Hub and the LFI.
      type: apiKey
      in: header
      name: Authorization
    OzoneConnectClientCredentials:
      type: oauth2
      description: |
        Communications between the API Hub and the LFI Ozone Connect implementation are secured using a Client Credentials grant type.

        LFIs must host an OAuth 2.0 Authorization Server to utilise this security pattern. Scope values are set during the onboarding process, and represented by a placeholder in this API description.
      flows:
        clientCredentials:
          tokenUrl: "https://example.lfi.ae/token"
          scopes:
            placeholder: Placeholder for scopes, which are set by the LFI during onboarding
    OzoneConnectJwtAuth:
      description: |
        Communications between the API Hub and the LFI Ozone Connect implementation are secured using the "JWT Auth" mechanism, where the Client presents a signed JSON Web Token as a credential.

        The Server MUST verify the signature in order to authenticate the Client.

        Please note that the value of the `scheme` parameter is not a registered HTTP Authentication Scheme, to indicate it is specific to Ozone Connect. Please refer to API Hub documentation for further details.
      type: http
      scheme: Ozone-Connect-JWT-Auth