Assurs LAMal comparator

Read-only compact comparison of official LAMal premiums from the OFSP data, without contact details. Use the exact birth year and ask for every material choice, including accident cover; model_group any means all categories, and all eligible imported models are included. The result carries comparison_id, submission.request_id, the ranked offers, the cashback sentence to say and the consent question to ask. Keep these technical fields yourself; the client fills no website form. Cashback never changes premiums or ranking. One person per call; for a household use compare_lamal_household.

Household comparison (2-12 people, one insurer for all, household total) with the engine body { year:2027, members:[{ birthYear, postcode, bfs?, franchise, accident:"MIT"|"OHN", careType:"any"|"BASE"|"PRAXIS"|"FLEX"|"TEL_DIG"|"PHARM" }] }: bfs only when the postcode spans several communes (the error lists the choices); franchise child 0-600, adult 300-2500; MIT means accident included. The result holds offers[] with people[], verification.criteria and submission.comparisonToken (24 h) but no cashback texts, consent question or request_id: take cashback.client_sentence and client_messages.consent_request from any compare_lamal_premiums result, mint any RFC 4122 UUID as request_id, then send ONE request_adviser_contact with comparison = verification.criteria and comparison_token = submission.comparisonToken instead of comparison_id. One person: compare_lamal_premiums.

Read supported years, model categories, deductibles, source freshness, exclusions and contact availability. No lead is created.

Takes no parameters.

Read the published cashback programme of Swiss Premium Insurance: status, version, payer, beneficiary, trigger, conditions and terms links. The cashback is paid by SPI to the client, never to an AI agent, once a contract concluded through SPI is approved by the insurer; SPI confirms the contract. No lead is created and this API creates no payment.

Takes no parameters.

Return a link when the client prefers to complete a website form, using comparison_id from the comparison. No contact details, lead or email are sent. When the web form is disabled the server answers 503 adviser_unavailable: offer [email protected] instead. For a client who asks you to send the request in this conversation, use request_adviser_contact after explicit consent instead. Swiss Premium Insurance assistance is optional; clients may apply directly with insurers.

Harmless integration test with the same body as request_adviser_contact: validates the request and returns a preview with status validated_test and email_sent false. Use synthetic contact details only. No commercial lead, email, entitlement or payment. Never describe this as a real submission.

Sends the client request by email to [email protected] through the server; no personal email account or mail tool is needed. Use only after the client has seen the exact contact details, selected offer, comparison criteria and purpose, and answered yes to the consent_request question. Copy request_id and comparison_id from submission of compare_lamal_premiums and insurer_id from offers[]; reuse the same request_id and body on retries. Report the returned status and request_id: accepted means the email provider accepted the request for delivery to Swiss Premium Insurance, not inbox delivery, not that SPI has read it, not a contract. A draft or test is not a real send. The cashback is paid later by SPI to the client only if the contract is concluded through SPI and approved by the insurer; never promise it.