One API to quote, enrol, manage beneficiaries and track claims for workers on your platform. TopSure runs the digital insurance layer. Licensed insurance partners provide the underwriting.
Illustrative API design. Not a live public API. Access is provided to approved partners.
Workers enrol inside your onboarding flow. TopSure handles quoting, eligibility, policy records and claims intake, and routes regulated underwriting to the licensed insurer in each market.
Requests are authenticated with a partner API key sent as a bearer token. Keys are issued per environment (sandbox and production) to approved partners. Never embed a key in a mobile app or browser. Call the API from your servers.
Authorization: Bearer <YOUR_API_KEY>
Content-Type: application/json# sandbox
https://api.sandbox.topsure.example/v1Returns available cover options for a worker in a given country. Prices and benefits come from the configured product and licensed partner for that market.
{
"country": "VN",
"worker_type": "motorcycle_rider",
"plan": "essential",
"billing_period": "monthly"
}{
"quote_id": "qt_8f21c",
"coverage": "24_7_accidental_death",
"benefit": 30000,
"premium": 4.99,
"currency": "AUD",
"expires_at": "2026-11-01T00:00:00Z"
}Enrols a worker against an accepted quote. Eligibility checks run before the policy is issued by the insurance partner.
{
"quote_id": "qt_8f21c",
"platform_worker_id": "drv_10442",
"premium_collection": "earnings_deduction",
"consent": { "terms_version": "2026-10" }
}{
"policy_id": "pol_3c9a7",
"policy_status": "pending_activation",
"next_step": "add_beneficiary"
}Returns the current policy for a worker, including whether 24/7 protection is active.
GET /policy?policy_id=pol_3c9a7{
"policy_status": "active",
"coverage": "24_7_accidental_death",
"benefit": 30000,
"currency": "AUD"
}Registers or updates the nominated beneficiary and optional Safe Contact. Personal data is passed through to the policy record and is not stored by your platform.
{
"policy_id": "pol_3c9a7",
"relationship": "spouse",
"name": "<BENEFICIARY_NAME>",
"safe_contact": { "channel": "sms" }
}{
"beneficiary_status": "registered",
"policy_status": "active"
}Opens a claim notification. TopSure handles intake and documents; the licensed insurance partner assesses and decides the claim.
{
"policy_id": "pol_3c9a7",
"reported_by": "beneficiary",
"incident_date": "2026-10-02",
"incident_type": "accident"
}{
"claim_id": "TS-20483",
"status": "submitted",
"documents_required": ["death_certificate", "identity"]
}Tracks a claim from submission to decision. No processing time is guaranteed by the API.
GET /claim/TS-20483{
"claim_id": "TS-20483",
"status": "under_review",
"documents": {
"death_certificate": "received",
"identity": "verified",
"beneficiary": "verified"
},
"assessed_by": "insurance_partner"
}Cancels a policy at the end of the current period, or as local rules require.
{
"policy_id": "pol_3c9a7",
"reason": "worker_request"
}{
"policy_status": "cancellation_scheduled",
"cover_ends_at": "2026-11-01T00:00:00Z"
}Subscribe to events so your app always shows the worker's current protection status.
policy.activated
Sent when the insurance partner issues the policy and 24/7 cover starts.
{
"event": "policy.activated",
"policy_id": "pol_3c9a7",
"coverage": "24_7_accidental_death"
}claim.status_changed
Sent whenever a claim moves between stages.
{
"event": "claim.status_changed",
"claim_id": "TS-20483",
"from": "submitted",
"to": "under_review"
}Field names, endpoints and responses on this page are illustrative and may change. All figures are examples. Insurance products are provided by appropriately licensed insurance partners and are subject to eligibility, terms, exclusions and local regulation.
Sandbox access is available to approved partners.