Insurance & Underwriting

A farmer's insurance footprint and underwriting value — active coverage, policies, premiums, and a claims/loss‑ratio summary. The headline section for insurers.

Section key	Fee (NGN)	Available to
`underwriting_value`	45	insurer

Insurers pair this with Farm Data (boundaries, NDVI, soil, loss history) to price and underwrite parametric or area‑yield cover.

Request

curl -X POST https://api.riwe.io/v1/rupa/lookup \
  -H "X-API-KEY: rk_live_YOUR_SECRET" \
  -H "Content-Type: application/json" \
  -d '{ "rupa_id": "rp-7lif9u", "sections": ["underwriting_value", "farms"] }'

Response

"underwriting_value": {
  "total_active_coverage": 250000,
  "currency": "NGN",
  "riwe_policies": [
    {
      "policy_number": "RW-POL-00219",
      "type": "crop_multiperil",
      "coverage_amount": 250000,
      "premium_amount": 12500,
      "start_date": "2026-05-10T00:00:00+00:00",
      "end_date": "2026-11-10T00:00:00+00:00",
      "status": "active"
    }
  ],
  "claims_summary": {
    "total_claims_filed": 1,
    "total_claimed": 40000,
    "total_approved": 32000,
    "loss_ratio": 0.8
  },
  "data_as_of": "2026-07-03T12:02:54+00:00"
}

Fields

Field	Description
`total_active_coverage`	Sum of active cover across Riwe policies and policies reported by partner insurers
`currency`	Always `NGN`
`riwe_policies[]`	Active Riwe‑issued policies: number, type, coverage, premium, dates, status
`claims_summary.total_claims_filed`	Number of claims the farmer has filed
`claims_summary.total_claimed`	Total amount claimed
`claims_summary.total_approved`	Total amount approved/paid
`claims_summary.loss_ratio`	`total_approved / total_claimed` — a quick underwriting risk read
`data_as_of`	Snapshot time

Note —

total_active_coverage includes coverage reported by other insurers via /report → policy_issued, so you can detect over‑insurance / double cover across the market before writing a new policy.

Typical use

Insurer — check existing coverage and claims behaviour before quoting; combine with Farm Data to underwrite; then report policy_issued, claim_filed, and claim_settled back so the ecosystem stays current.

Base URL https://api.riwe.io/v1/rupa · Ruralpass home · Powered by Riwe