Intent Spec — `finance.buy_travel_insurance`

FULL ID:       finance.buy_travel_insurance
VERSION:       v1.0.0
STATUS:        draft
LAST UPDATED:  2026-05-13
DOMAIN:        finance
PRIMARY AGENT: FinanceAgent
TTBS WEIGHTS:  time=0.30 taste=0.15 budget=0.25 safety=0.30

User buys travel insurance for a domestic or international trip. Single-trip or multi-trip (annual), geographic-zone-priced (Schengen, US-Canada, worldwide-excl-US, Asia, India-domestic), Schengen-VFS compliant where needed, with optional COVID, adventure-sports, baggage, trip-cancellation, and student/senior variants.

Partner exemplars: Policybazaar, Acko Travel, Tata AIG Travel, ICICI Lombard Travel, Bajaj Allianz Travel, HDFC ERGO Travel, Reliance Travel, Bharti AXA Travel, Religare Travel.

SECTION 1 — INTENT IDENTITY

User wants short-term travel insurance for a specific trip or annual multi-trip cover. Distinct from:

finance.buy_health_insurance — year-round indemnity health cover (domestic)
finance.buy_term_insurance / finance.buy_motor_insurance — non-trip products
Visa application — out of scope v1; compliance.apply_visa if introduced
Hotel / flight cancellation insurance bundled by OTAs — TOMO-level travel insurance is unbundled

Single intent per trip OR per annual multi-trip policy. Group travel up to 6 insured under one policy via insured_members array.

SECTION 2 — NATURAL LANGUAGE COVERAGE

CLASSIFIES IN

"Travel insurance for my Schengen visa"
"US trip insurance, 2 weeks in October"
"Annual multi-trip insurance for business travel"
"Insurance for Goa trip next week"
"Student travel insurance for studying in UK"
"Senior parent travel insurance, USA visit"
"Cheapest Schengen visa insurance"
"Trip cancellation cover for our Europe holiday"
"Travel insurance with adventure sports cover for our Manali trip"
"Family travel insurance Dubai 5 days"

CLASSIFIES OUT — BORDERLINE NO

"Buy life insurance" → finance.buy_term_insurance
"Health insurance for parents" → finance.buy_health_insurance
"Book a flight" → travel.book_flight
"Book a hotel" → travel.book_hotel
"Visa application" → out of scope v1
"Forex card" → finance.book_financial_advisor_session (v1.1+ dedicated)
"File travel insurance claim" → v1.1+ finance.file_travel_claim

MULTI-INTENT TRIGGERS

"Book flight + travel insurance" → travel.book_flight + finance.buy_travel_insurance
"Book hotel + flight + travel insurance + forex" → composite mission
"Adventure trip + insurance" → travel.book_adventure_activity + finance.buy_travel_insurance

SECTION 3 — INPUT (TOMO → PROVIDER)

{
  "intent": "finance.buy_travel_insurance",
  "request_id": "req_01J9Z...",
  "user_locale": "en-IN",
  "user_currency": "INR",
  "user_location": { "lat": 17.4475, "lng": 78.3563, "city": "Hyderabad", "pincode": "500032" },
  "trip_type": "single_trip",                          // STRICT ENUM §6
  "trip": {
    "origin_country": "IN",                             // ISO_3166_2
    "destination_countries": ["FR", "DE", "IT"],        // ISO_3166_2 array; ≥1
    "destination_zone": "schengen",                     // STRICT ENUM §6
    "departure_date": "2026-10-15",                     // ISO_DATE
    "return_date": "2026-10-26",                        // ISO_DATE; single_trip only
    "trip_duration_days": 12,
    "trip_purpose": "leisure",                          // STRICT ENUM §6
    "annual_max_trip_duration_days": null               // REQUIRED for multi-trip; null for single_trip
  },
  "insured_members": [
    {
      "first_name": "Rakesh", "last_name": "Kumar",
      "date_of_birth": "1985-04-18",
      "gender": "male",
      "passport_number_last4": "5678",
      "passport_expiry": "2030-03-15",
      "pre_existing_conditions": [],                    // STRICT ENUM array §6
      "is_proposer": true
    },
    {
      "first_name": "Anita", "last_name": "Kumar",
      "date_of_birth": "1988-09-12",
      "gender": "female",
      "passport_number_last4": "9012",
      "passport_expiry": "2031-06-22",
      "pre_existing_conditions": [],
      "is_proposer": false
    }
  ],
  "cover_preferences": {
    "sum_insured_usd": 100000,                          // USD denomination for international
    "currency_of_cover": "USD",                          // STRICT ENUM §6
    "schengen_compliant_required": true,                // ≥€30k medical mandate
    "addons_required": ["covid_cover", "adventure_sports_amateur", "trip_cancellation"],
    "preferred_insurers": []
  },
  "ttbs_user_band": {
    "time":   "fast",
    "taste":  "balanced",
    "budget": "good",
    "safety": "good"
  },
  "session_context": { "tomo_session_id": "ses_01J9Z...", "user_dna_hash": "dna_v3_a7c9..." }
}

Field	Type	Constraint	Notes
`intent`	string	REQUIRED, STRICT ENUM	Always `finance.buy_travel_insurance`
`trip_type`	enum	REQUIRED, STRICT ENUM §6	single_trip / annual_multi_trip / student / senior
`trip.destination_countries`	array	REQUIRED, ISO_3166_2, min 1
`trip.destination_zone`	enum	REQUIRED, STRICT ENUM §6	Drives premium banding
`trip.departure_date`	string	REQUIRED, ISO_DATE	≥ today + insurer-min lead time
`trip.return_date`	string	REQUIRED nullable	Non-null for single_trip / student / senior
`trip.annual_max_trip_duration_days`	int	REQUIRED nullable	Non-null for annual_multi_trip
`insured_members`	array	REQUIRED, min 1, max 6	Each member needs passport data for international
`insured_members[].pre_existing_conditions`	array	REQUIRED, STRICT ENUM §6	May be empty
`cover_preferences.sum_insured_usd`	int	REQUIRED, ≥10000	USD for international; INR for domestic
`cover_preferences.currency_of_cover`	enum	REQUIRED, STRICT ENUM §6	USD / EUR / INR
`cover_preferences.schengen_compliant_required`	bool	REQUIRED	When TRUE, partner must guarantee ≥€30k medical

Anti-fabrication preamble: Provider must guarantee Schengen-compliant medical cover (≥€30,000) when destination_zone is schengen / europe AND schengen_compliant_required=TRUE. Visa rejection due to non-compliant policy = customer-harm + suspension. COVID cover claims must be backed by partner's IRDAI-filed disclosure as of quote timestamp.

SECTION 4 — PROVIDER TOOLS

Tool 1: `search_travel_quotes`

PURPOSE:      Up to 12 quotes matching trip + members + addons
SLA:          p50 ≤ 600ms, p95 ≤ 2000ms, p99 ≤ 4000ms
RATE LIMIT:   90 req/min (high — users compare often)
IDEMPOTENCY:  request_id; 5min cache (premiums table-driven)
RETRY:        1 on 429, 2 on 5xx

Tool 2: `confirm_quote_and_kyc`

PURPOSE:      Lock quote + KYC + passport verification
SLA:          p50 ≤ 1500ms, p95 ≤ 4000ms
RATE LIMIT:   45 req/min
IDEMPOTENCY:  request_id
RETRY:        No retry

Tool 3: `issue_policy`

PURPOSE:      Issue policy after payment; instant for most travel products
SLA:          p50 ≤ 1500ms, p95 ≤ 4000ms, p99 ≤ 8000ms
RATE LIMIT:   45 req/min
IDEMPOTENCY:  request_id
RETRY:        No retry on issuance

Tool 4: `cancel_or_freelook`

PURPOSE:      Pre-departure cancellation OR free-look (travel-specific rules)
SLA:          p50 ≤ 1200ms, p95 ≤ 3500ms
RATE LIMIT:   30 req/min
IDEMPOTENCY:  policy_id
RETRY:        1 on 5xx

Tool 5: `extend_policy`

PURPOSE:      Extend coverage when trip overruns
SLA:          p50 ≤ 1500ms, p95 ≤ 4000ms
RATE LIMIT:   30 req/min
IDEMPOTENCY:  policy_id
RETRY:        1 on 5xx

SECTION 5 — RESPONSE SHAPE

`TravelQuote`

TravelQuote:
  quote_id: { type: string, constraint: REQUIRED, opaque }
  insurer:
    insurer_id: { type: string, constraint: REQUIRED }
    name: { type: string, constraint: REQUIRED }
    irdai_registration_number: { type: string, constraint: REQUIRED }
    claim_settlement_ratio_pct: { type: float, constraint: REQUIRED, 0-100 }
    travel_claim_settlement_days_avg: { type: float, constraint: REQUIRED, ≥0 }
    solvency_ratio: { type: float, constraint: REQUIRED, 1.0-5.0 }
    global_assistance_partner: { type: string, constraint: REQUIRED, semantics: "e.g. Allianz Global Assistance, AXA Assistance" }

  product_name: { type: string, constraint: REQUIRED }
  product_uin: { type: string, constraint: REQUIRED }
  trip_type: { type: enum, constraint: REQUIRED, STRICT ENUM §6 }

  destination_zone: { type: enum, constraint: REQUIRED, STRICT ENUM §6 }
  is_schengen_compliant: { type: boolean, constraint: REQUIRED, semantics: "Guarantees ≥€30k medical for Schengen visa" }

  cover_amounts:
    medical_emergency_usd: { type: int, constraint: REQUIRED, ≥0 }
    medical_evacuation_usd: { type: int, constraint: REQUIRED, ≥0 }
    repatriation_remains_usd: { type: int, constraint: REQUIRED, ≥0 }
    dental_emergency_usd: { type: int, constraint: REQUIRED, ≥0 }
    accidental_death_usd: { type: int, constraint: REQUIRED, ≥0 }
    permanent_disability_usd: { type: int, constraint: REQUIRED, ≥0 }
    baggage_loss_usd: { type: int, constraint: REQUIRED, ≥0 }
    baggage_delay_usd: { type: int, constraint: REQUIRED, ≥0 }
    passport_loss_usd: { type: int, constraint: REQUIRED, ≥0 }
    trip_cancellation_usd: { type: int, constraint: REQUIRED, ≥0, semantics: "0 if addon not included" }
    trip_curtailment_usd: { type: int, constraint: REQUIRED, ≥0 }
    trip_delay_usd: { type: int, constraint: REQUIRED, ≥0 }
    missed_connection_usd: { type: int, constraint: REQUIRED, ≥0 }
    hijacking_distress_usd: { type: int, constraint: REQUIRED, ≥0 }
    personal_liability_usd: { type: int, constraint: REQUIRED, ≥0 }

  deductible_usd: { type: int, constraint: REQUIRED, ≥0 }
  co_pay_pct: { type: int, constraint: REQUIRED, 0-30 }

  premium_breakdown:
    base_premium_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
    age_loading_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
    addon_premium_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
    gst_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
    total_payable_inr: { type: int, constraint: REQUIRED, INR_INTEGER }

  policy_start_date: { type: string, constraint: REQUIRED, ISO_DATE }
  policy_end_date: { type: string, constraint: REQUIRED, ISO_DATE }

  addons_included:
    type: array<Addon>
    constraint: REQUIRED, may be empty
    shape:
      code: { type: enum, constraint: REQUIRED, STRICT ENUM §6 }
      label: { type: string, constraint: REQUIRED }
      sub_limit_usd: { type: int, constraint: REQUIRED, ≥0 }
      premium_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }

  exclusions_summary:
    type: array<enum>
    constraint: REQUIRED, STRICT ENUM §6
    semantics: "Standard exclusions explicitly disclosed"

  pre_existing_coverage:
    type: enum
    constraint: REQUIRED, STRICT ENUM §6
    values: [none, life_threatening_only, full]

  assistance_helpline_phone: { type: string, constraint: REQUIRED, E.164, semantics: "24×7 multilingual" }
  cashless_hospital_network_size: { type: int, constraint: REQUIRED, ≥0 }

  instant_issuance_possible: { type: boolean, constraint: REQUIRED }
  estimated_issuance_minutes: { type: int, constraint: REQUIRED, 1-1440 }

  policy_wording_url: { type: string, constraint: REQUIRED, HTTPS URL }
  customer_information_sheet_url: { type: string, constraint: REQUIRED, HTTPS URL }

  partner_reference:
    source: { type: string, constraint: REQUIRED }
    deeplink: { type: string, constraint: REQUIRED, HTTPS URL }

`KYCResult`

KYCResult:
  kyc_id: { type: string, constraint: REQUIRED }
  quote_id: { type: string, constraint: REQUIRED }
  kyc_status:
    type: enum
    constraint: REQUIRED, STRICT ENUM §6
    values: [verified_passport, verified_aadhaar, verified_pan, pending_manual, failed]
  passport_verification_status:
    type: enum
    constraint: REQUIRED, STRICT ENUM §6
    values: [verified, mismatch, expired_before_return, pending]
  documents_pending: { type: array<string>, constraint: REQUIRED, may be empty }
  expires_at: { type: string, constraint: REQUIRED, ISO_DATETIME }

`IssuedPolicy`

IssuedPolicy:
  policy_id: { type: string, constraint: REQUIRED, immutable }
  policy_number: { type: string, constraint: REQUIRED }
  insurer_id: { type: string, constraint: REQUIRED }
  product_uin: { type: string, constraint: REQUIRED }
  trip_type: { type: enum, constraint: REQUIRED, STRICT ENUM §6 }
  policy_start_date: { type: string, constraint: REQUIRED, ISO_DATE }
  policy_end_date: { type: string, constraint: REQUIRED, ISO_DATE }
  is_schengen_compliant: { type: boolean, constraint: REQUIRED }
  total_paid_inr: { type: int, constraint: REQUIRED, INR_INTEGER }
  policy_pdf_url: { type: string, constraint: REQUIRED, HTTPS URL, semantics: "Visa-compliant document; English; insurer letterhead" }
  visa_letter_url: { type: string, constraint: REQUIRED nullable, HTTPS URL, semantics: "Standalone Schengen-compliant letter when needed" }
  insured_members_count: { type: int, constraint: REQUIRED, ≥1 }
  assistance_helpline_phone: { type: string, constraint: REQUIRED, E.164 }
  emergency_evacuation_phone: { type: string, constraint: REQUIRED, E.164 }
  freelook_period_days: { type: int, constraint: REQUIRED, 0-15, semantics: "0 if trip has started" }

`ExtensionResult`

ExtensionResult:
  policy_id: { type: string, constraint: REQUIRED }
  extended_until: { type: string, constraint: REQUIRED, ISO_DATE }
  additional_premium_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
  extension_status:
    type: enum
    constraint: REQUIRED, STRICT ENUM §6
    values: [extended, declined_pre_existing_claim, declined_max_duration, payment_pending]

`CancellationResult`

CancellationResult:
  policy_id: { type: string, constraint: REQUIRED }
  cancelled_at: { type: string, constraint: REQUIRED, ISO_DATETIME }
  refund_amount_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
  refund_method: { type: enum, constraint: REQUIRED, STRICT ENUM §6 }
  refund_eta_days: { type: int, constraint: REQUIRED, 0-30 }
  cancellation_reason: { type: enum, constraint: REQUIRED, STRICT ENUM §6 }
  is_freelook_cancellation: { type: boolean, constraint: REQUIRED }

FORBIDDEN FIELDS

paid_placement_score, ad_bid, sponsored_rank, kickback_amount
artificial_urgency_text ("Visa rejection guarantee!" type misleading)
ai_generated_photo for insurer / assistance partner imagery
fabricated_schengen_compliance (false schengen_compliant=true when actual medical < €30k)
inflated_claim_settlement_ratio
editor_recommended, tomo_pick
false_covid_cover (covid_cover addon claimed but not in actual product disclosure)

SECTION 6 — CONTROLLED VOCABULARIES

trip_type:
  values:
    single_trip:        "One-off trip, fixed dates"
    annual_multi_trip:  "Multiple trips in 12 months; per-trip cap"
    student:            "Long-stay (>180 days) educational travel"
    senior:             "60+ traveller variant with senior-specific terms"

trip.destination_zone:
  values:
    schengen:            "26 Schengen-area countries"
    europe_non_schengen: "UK, Ireland, etc."
    usa_canada:          "USA + Canada"
    asia_excl_japan:     "Asian destinations excluding Japan"
    japan:               "Japan-specific (priced separately)"
    worldwide_excl_us:   "Global excluding USA / Canada"
    worldwide_inc_us:    "Global including USA / Canada"
    india_domestic:      "India domestic travel"

trip.trip_purpose:
  values: [leisure, business, education, medical_tourism, religious_pilgrimage, sports, conference]

cover_preferences.currency_of_cover:
  values: [USD, EUR, INR, GBP, AUD, JPY, CAD]

insured_members[].pre_existing_conditions:
  values:
    none, hypertension, diabetes_type1, diabetes_type2, cardiac, cancer_remission,
    kidney_disease, liver_disease, mental_health, autoimmune, respiratory_chronic,
    neurological, pregnancy, other_disclosed

cover_preferences.addons_required / addons_included.code:
  values:
    covid_cover:                "COVID treatment + quarantine"
    adventure_sports_amateur:   "Skiing, scuba, trekking ≤6000m (non-professional)"
    adventure_sports_pro:       "Professional adventure activities"
    trip_cancellation:          "Pre-departure cancellation reasons"
    trip_interruption:          "Post-departure curtailment"
    trip_delay:                 "Common-carrier delay benefit"
    baggage_protection_extra:   "Higher baggage limit"
    home_burglary:              "Cover while travelling"
    gadget_protection:          "Electronics protection"
    rental_car_excess:          "CDW excess waiver"
    sports_equipment:           "Equipment cover"
    cruise_cover:               "Cruise-specific perils"

exclusions_summary:
  values:
    self_inflicted, intoxication, illegal_activity, war_terrorism,
    pre_existing_uncovered, professional_sport, pregnancy_routine,
    nuclear, mental_health_uncovered, suicide_within_12m

pre_existing_coverage:
  values: [none, life_threatening_only, full]

kyc_status: [verified_passport, verified_aadhaar, verified_pan, pending_manual, failed]

passport_verification_status: [verified, mismatch, expired_before_return, pending]

extension_status: [extended, declined_pre_existing_claim, declined_max_duration, payment_pending]

cancellation_reason:
  values: [pre_departure_voluntary, freelook, visa_rejected, trip_cancelled_other_reason, duplicate_policy]

refund_method: [original_payment, bank_transfer, cheque]

SECTION 7 — TTBS DIMENSIONS

TIME (weight = 0.30):
  signals_used:
    - instant_issuance_possible
    - estimated_issuance_minutes
    - is_schengen_compliant (when schengen_compliant_required)
  weighting:
    instant: 0.55
    minutes: 0.30
    schengen_match: 0.15
  user_band_handling:
    fast: highly favour instant; reject anything >2h issuance

TASTE (weight = 0.15):
  signals_used:
    - insurer matches preferred_insurers
    - insurer matches user DNA history
    - global_assistance_partner reputation
  weighting:
    preferred_insurer: 0.50
    dna_familiarity: 0.30
    assistance_brand: 0.20

BUDGET (weight = 0.25):
  signals_used:
    - premium_breakdown.total_payable_inr
    - addon_premium_inr fit to addons_required
    - deductible_usd (higher = lower premium; balance per user_band)
    - co_pay_pct
  weighting:
    total: 0.65
    addon_fit: 0.20
    deductible_fit: 0.10
    co_pay_balance: 0.05

SAFETY (weight = 0.30):
  signals_used:
    - insurer.claim_settlement_ratio_pct
    - insurer.travel_claim_settlement_days_avg (lower preferred)
    - insurer.solvency_ratio
    - cashless_hospital_network_size (≥1000 strong, ≥5000 excellent)
    - cover_amounts.medical_emergency_usd vs schengen / destination floor
    - pre_existing_coverage (full > life_threatening_only > none)
  weighting:
    csr: 0.25
    settlement_speed: 0.20
    solvency: 0.15
    network_size: 0.20
    medical_cover: 0.10
    ped_handling: 0.10
  user_band_handling:
    fast: relax PED handling
    balanced: standard
    great: prefer pre_existing_coverage=full + cashless ≥5000

Locked weights per finance.buy_travel_insurance: time 0.30 / taste 0.15 / budget 0.25 / safety 0.30. Time-heavy because users typically buy within 1-2 days of departure or visa-deadline pressure.

SECTION 8 — COMPLETION CONTRACT

POST /api/v1/cpc/mcp_provider/<your_partner_id>
Body:
{
  "intent":           "finance.buy_travel_insurance",
  "external_id":      "<policy_id>",
  "request_id":       "<request_id>",
  "amount_inr":       450,    // NET partner commission only (typically 15-30% of premium)
  "gst_inr":          81,
  "tips_inr":         0,
  "pass_through_inr": 2200,   // premium remitted to insurer
  "closed_at":        "2026-10-12T11:20:00+05:30",
  "status":           "completed",
  "insurer_id": "tata_aig",
  "product_uin": "IRDAI/TRV/TAIG/2024-25-011",
  "trip_type": "single_trip",
  "destination_zone": "schengen",
  "is_schengen_compliant": true,
  "insured_members_count": 2,
  "trip_duration_days": 12
}

HMAC-SHA256, 5-min replay, NET-only commission.

SECTION 9 — WIDGET

TravelInsuranceWidget (planned). Interim: ListingsWidget.

Field mapping:
  - TravelQuote.insurer.name + logo → header
  - product_name → subhead
  - is_schengen_compliant → green "Schengen ✓" badge (top-left)
  - premium_breakdown.total_payable_inr → big price
  - cover_amounts.medical_emergency_usd → "$X medical" pill
  - cover_amounts.baggage_loss_usd → "$X baggage" pill
  - addons_included.length → "+X addons" pill
  - cashless_hospital_network_size → "X cashless globally" line
  - instant_issuance_possible → green instant badge
  - assistance_helpline_phone → "24×7 helpline" line

SECTION 10 — CACHING POLICY

Call	TTL	Rationale
search_travel_quotes	5min	Premiums table-driven, very stable
confirm_quote_and_kyc	NO CACHE	Idempotent
issue_policy	NO CACHE	—
extend_policy	NO CACHE	—
cancel_or_freelook	NO CACHE	—
Insurer static (CSR, solvency, network)	24h	Insurer publishes periodically
Product wording / CIS	7d	UIN-versioned

SECTION 11 — ERROR CODES

Code	HTTP	Meaning	Retry
`INVALID_REQUEST`	400	Malformed	No
`RATE_LIMITED`	429	Throttle	1, 2s
`INTERNAL_ERROR`	500	Partner failure	2, exp
`SIGNATURE_INVALID`	401	HMAC fail	No
`PASSPORT_EXPIRY_INVALID`	422	Passport expires within 6mo of return	No
`AGE_OUT_OF_RANGE`	422	Member age outside product band	No
`DESTINATION_NOT_COVERED`	422	Country / zone outside insurer appetite	No
`TRIP_DURATION_EXCEEDED`	422	Duration above product max	No
`SCHENGEN_NOT_COMPLIANT`	422	Product does not meet €30k floor	No (UI re-quotes)
`PED_DECLINED`	422	Pre-existing outside appetite	No
`KYC_FAILED`	422	KYC mismatch	No
`DEPARTURE_DATE_TOO_SOON`	422	Below insurer min lead time	No
`DEPARTURE_DATE_TOO_FAR`	422	Above insurer max lead time (typically 180d)	No
`MEMBER_COUNT_EXCEEDED`	422	More than 6 insured	No
`PAYMENT_FAILED`	402	Gateway declined	No
`INSURER_DOWN`	503	Insurer API unavailable	1 retry, 2s
`FREELOOK_WINDOW_EXPIRED`	410	Past free-look	No
`EXTENSION_DECLINED`	422	Trip overrun cannot be extended	No

SECTION 12 — SANDBOX → PRODUCTION CHECKLIST

[ ] All five tools implemented
[ ] At least 5 insurers in catalog
[ ] All IRDAI registration numbers verifiable
[ ] All product UINs verifiable
[ ] CSR, solvency, travel_claim_settlement_days match IRDAI publication
[ ] Schengen-compliant quotes guarantee ≥€30,000 medical_emergency cover
[ ] Schengen-compliant policy_pdf or visa_letter URL returns valid embassy-acceptable document
[ ] Visa-letter format matches Schengen consulate requirements (English, insurer letterhead)
[ ] Pre-existing handling per IRDAI / product disclosure (full / life-threatening / none)
[ ] Global assistance helpline 24×7 with multilingual support
[ ] cashless_hospital_network_size matches assistance partner's actual network
[ ] All controlled vocabularies respected
[ ] HMAC signing verified
[ ] amount_inr in CPC is partner COMMISSION only (NET), NOT total premium
[ ] pass_through_inr correctly captures remitted premium
[ ] No forbidden fields anywhere
[ ] SLA p95 met
[ ] IRDAI license uploaded
[ ] Compliance: GSTIN, IRDAI license, privacy policy, grievance officer
[ ] COVID addon disclosure matches insurer's IRDAI-filed product
[ ] Adventure-sports addon clearly defines covered activity classes

SECTION 13 — ANTI-FABRICATION RULES

RULE 1: No paid_placement / ad / kickback fields.

RULE 2: claim_settlement_ratio_pct must match IRDAI publication.

RULE 3: travel_claim_settlement_days_avg must reflect insurer's actual
        public disclosure.

RULE 4: is_schengen_compliant=true REQUIRES medical_emergency_usd
        equivalent to ≥€30,000 AND policy document acceptable to
        Schengen consulates. Falsely flagging compliance =
        customer-harm (visa rejection) + immediate suspension.

RULE 5: Pre-existing coverage flag must match product's IRDAI-filed
        disclosure. "Full" PED cover for a product that excludes PEDs =
        suspension.

RULE 6: COVID cover addon, if shown, must be in the actual product as
        of the quote timestamp. Removing COVID cover post-quote =
        customer-harm + suspension.

RULE 7: cashless_hospital_network_size must match assistance partner's
        actual network. Padding network counts = claim-time customer-
        harm + suspension.

RULE 8: global_assistance_partner must be the partner actually
        contracted. Misstating = customer-harm at emergency moment +
        immediate suspension.

RULE 9: artificial_urgency_text forbidden ("Buy now or visa rejected!")
        Premium revisions / cover changes must be IRDAI-notified.

RULE 10: No AI-generated insurer / assistance imagery.

RULE 11: amount_inr in CPC is partner's NET commission only — NEVER
         total premium. Falsely reporting premium = suspension.

RULE 12: No "Best for Schengen" / "Top Pick" / "TOMO Recommended" badges.
         Insurance recommendation is regulated.

RULE 13: information_completeness_score (hidden ranking factor, weight
         0.10) rewards full §5 shape.

RULE 14: exclusions_summary must be the actual product exclusions.
         Hiding exclusions = customer-harm + suspension.

RULE 15: estimated_issuance_minutes must be honest. Travellers often
         need policy in minutes (visa appointments). Padding instant
         claims = customer-harm.

RULE 16: assistance_helpline_phone must be operational 24×7. TOMO
         spot-checks monthly.

VERSION HISTORY

v1.0.0 — 2026-05-13 — Initial spec. Single-trip / annual / student / senior
                       variants under one intent via trip_type discriminator.
                       Schengen-compliance hard-enforced. Time-heavy TTBS
                       reflecting visa-deadline / pre-departure buying.
                       NET commission base.

Intent Spec — finance.buy_travel_insurance