PolicyBazaar API Integration for FinTech | FintegrationFS

PolicyBazaar API Integration Services for FinTech & Insurance Platforms

The Indian insurance ecosystem is evolving at breakneck speed. Every FinTech founder wants seamless insurance journeys inside their app — but integrating PolicyBazaar APIs, insurer APIs, and aggregator systems is far from simple.

At FintegrationFS, we make this process effortless. We specialize in PolicyBazaar API integration, complete insurance workflow automation, real-time quote generation, and frictionless policy issuance — all built on a scalable fintech architecture.

Whether you're building an insurance marketplace, a lending app with embedded insurance, or an all-in-one wealth platform, our team helps you go live faster, reduce engineering effort, and deliver a premium insurance buying experience.

Why Integrate PolicyBazaar API Into Your FinTech Platform?

PolicyBazaar is India’s largest insurance aggregator, giving you access to:

• Health Insurance

• Motor Insurance

• Term Life Insurance

• Travel Insurance

• SME & Business Insurance

Integrating PolicyBazaar APIs allows you to offer end-to-end insurance journeys without building your own complex backend.

By leveraging PolicyBazaar partner API & custom insurer API integrations, FinTech and InsurTech companies unlock:

• Real-time quotes

• Paperless onboarding

•  Instant policy comparison

• Automated premium calculations

•  Secure policy issuance

• Seamless insurer communication

• Intelligent recommendation flows

Everything — from quote to checkout — becomes fully automated and IRDAI-compliant.

Our PolicyBazaar API Integration Capabilities

We connect your app with PolicyBazaar + other top insurers through a unified, scalable Insurance API layer.

1. End-to-End PolicyBazaar API Integration

We handle everything, including:

• Secure authentication + token management

• PolicyBazaar API gateway configuration

• Quote, Proposal, Policy APIs

• Automated retrieval of policy documents

• Multi-category (Health/Motor/Life/Travel) support

2. Policy Comparison & Aggregation Engine

Want to offer comparisons like PB, Turtlemint, or Coverfox?

We build comparison modules using:

• Insurance Comparison APIs

• Insurance Aggregator APIs

• PolicyBazaar Premium Calculation APIs

• Custom ranking logic (coverage, claim ratio, pricing)

3. Unified Insurance API Layer (India-Ready Architecture)

Most companies need access to multiple insurers, not just PB.

We create a unified backend that connects you to:

• PolicyBazaar

• Turtlemint

• Digit

• HDFC Ergo

• ICICI Lombard

• Care Health

• Star Health

• Bajaj Allianz

Your tech team works with one clean API, while we manage insurer integrations behind the scenes.

4. Mobile App & Web App Integration

We provide ready UI components for:

• Quote cards

• Comparison tables

• Policy details

• Coverage breakdown

• Proposal/checkout forms

Perfect for:

• Mobile apps

• Web platforms

• Agent dashboards

• Distributor/partner portals

  [Mobile/Web App]
           ↓
[FintegrationFS Insurance API Layer]
       ↓             ↓
[PolicyBazaar API]   [Other Insurance APIs]
       ↓             ↓
      [Unified Quote + Policy Response]
           ↓
      [Your App UI/UX]

This architecture ensures:

• Faster integrations

• Better reliability

• Easy insurer onboarding

• Clean data mapping

• Future scalability

Technical Code Example for PolicyBazaar API Integration

// Example: PolicyBazaar Quote API Request (Node.js)

import axios from "axios";

const PB_BASE_URL = "https://api.policybazaar.com/partner/v1";
const PB_TOKEN = process.env.PB_API_TOKEN;     // Issued by PolicyBazaar
const PB_PARTNER_ID = process.env.PB_PARTNER_ID;

export async function getHealthInsuranceQuote(payload) {
  try {
    const response = await axios.post(
      `${PB_BASE_URL}/health/quote`,
      {
        partnerId: PB_PARTNER_ID,
        requestId: "REQ-" + Date.now(),
        data: payload   // customer age, city, coverage, dependents, etc.
      },
      {
        headers: {
          "Authorization": `Bearer ${PB_TOKEN}`,
          "Content-Type": "application/json"
        }
      }
    );

    return response.data; // Contains quotes from multiple insurers
  } catch (err) {
    console.error("PolicyBazaar Quote API Error:", err.response?.data);
    throw new Error("Unable to fetch insurance quotes");
  }
}

Why this code matters

It demonstrates how a real FinTech app:

• Sends a quote request

• Passes customer details

• Authenticates securely

• Retrieves multi-insurer quotes in one response

Why FintegrationFS for PolicyBazaar API Integration?

• 10+ years in FinTech & Insurance integrations

• Deep expertise in PolicyBazaar partner API

• Fast development cycles

• India-ready microservices architecture

• IRDAI-compliant flows

• End-to-end delivery: API + UI + Infra

• Experience with NBFCs, Insurers, FinTech startups

FAQs 

1. What is PolicyBazaar API and how does it work?

PolicyBazaar API allows FinTechs to fetch quotes, compare plans, calculate premiums, and issue policies instantly. We help you integrate these securely into your platform.

2. Can you help with PolicyBazaar partner API integration?

Absolutely — we specialize in PB partner integrations for marketplaces, agent apps, embedded insurance journeys, and financial platforms.

3. What if I need multiple insurance APIs, not only PolicyBazaar?

We provide a unified Insurance API India layer, letting you access multiple insurers using one backend architecture.

4. How long does PolicyBazaar API integration take?

Basic integration: 10–15 days End-to-end marketplace: 3–6 weeks

5. What types of insurance products can you support?

Health, motor, term, travel, SME, group, and embedded insurance using comparison APIs, aggregator APIs, and insurer APIs.