上传保单

在用户完成授权后（商户可通过授权完成回调通知或主动调用查询授权信息接口确认授权状态），商户通过此接口将保单的详细信息同步至微信支付平台。

请求参数	类型	描述
json	object	声明请求的`JSON`数据结构
out_insurance_no	string	商户保险编号
insured_name_list	string[]	被保险人姓名列表
insurance_company_code	string	承保公司代码
effective_time	string	保单生效时间
expired_time	string	保单失效时间
coverage_detail	string	保障详情
support_renewal	boolean	是否支持续保
start_renewal_time	string	可续保开始时间
end_renewal_time	string	可续保结束时间
policy_type	string	保单类型 `POLICY_TYPE_OTHER` \| `POLICY_TYPE_MEDICAL` \| `POLICY_TYPE_ACCIDENT` \| `POLICY_TYPE_CRITICAL` \| `POLICY_TYPE_CAR` \| `POLICY_TYPE_LIFE` \| `POLICY_TYPE_PROPERTY` \| `POLICY_TYPE_PET` \| `POLICY_TYPE_ANNUITY` 枚举值之一
car_number	string	车牌信息
pet_name	string	宠物名称
address	string	地址信息
policy_state	string	保单状态 `POLICY_STATE_ISSUING` \| `POLICY_STATE_APPROVED` \| `POLICY_STATE_DECLINED` \| `POLICY_STATE_INACTIVE` 枚举值之一
policy_code	string	保司保单号
plan_id	string	委托代扣模板ID
out_contract_code	string	商户签约协议号
policy_periods	number[]	保单的扣费周期列表
appid	string	商户APPID
openid	string	用户在商户公众号内的身份标识
free_insurance	boolean	是否为赠险
combined_payment	boolean	是否与其它保单合并扣费
payment_method	string	缴费方式 `PAYMENT_METHOD_OTHER` \| `PAYMENT_METHOD_PERIOD` \| `PAYMENT_METHOD_LUMP_SUM` 枚举值之一
period_premium_mode	string	期交保费模式 `PERIOD_PREMIUM_MODE_EQUAL` \| `PERIOD_PREMIUM_MODE_FIRST_DIFF` \| `PERIOD_PREMIUM_MODE_MULTI_DIFF` 枚举值之一
payment_period	string	缴费周期 `PAYMENT_PERIOD_DAY` \| `PAYMENT_PERIOD_WEEK` \| `PAYMENT_PERIOD_BIWEEKLY` \| `PAYMENT_PERIOD_MONTH` \| `PAYMENT_PERIOD_QUARTER` \| `PAYMENT_PERIOD_HALF_YEAR` \| `PAYMENT_PERIOD_YEAR` 枚举值之一
first_period_amount	integer	首期保费金额
subsequent_period_amount	integer	后续每期保费金额
coverage_term_type	string	保障期限类型 `COVERAGE_TERM_TYPE_FIXED_DATE` \| `COVERAGE_TERM_TYPE_LIFETIME` 枚举值之一
headers	object	声明请求的头参数
Wechatpay-Serial	string	微信支付公钥ID/平台证书序列号

php

$instance->v3->inspolicymgr->deduct->policies->postAsync([
  'json' => [
    'out_insurance_no'         => 'Auisihsiahishishi4hihsid123418id',
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_company_code'   => '1001',
    'effective_time'           => '2025-09-21T17:11:12+08:00',
    'expired_time'             => '2025-09-21T17:11:12+08:00',
    'coverage_detail'          => '可保190种疾病，确诊一次性赔付',
    'support_renewal'          => true,
    'start_renewal_time'       => '2025-09-21T17:11:12+08:00',
    'end_renewal_time'         => '2025-09-21T17:11:12+08:00',
    'policy_type'              => 'POLICY_TYPE_OTHER',
    'car_number'               => '粤B·AB123',
    'pet_name'                 => '小狗',
    'address'                  => '上海市浦东新区晨晖路1001号',
    'policy_state'             => 'POLICY_STATE_ISSUING',
    'policy_code'              => 'Coisihsiaxishishi4hihsid1ii411co',
    'plan_id'                  => '12535',
    'out_contract_code'        => 'wxwtdk20200910100000',
    'policy_periods'           => [1],
    'appid'                    => 'wxd678efh567hg6787',
    'openid'                   => 'oYobu0MVnQfWpSMOYJz2AHPG_gQw',
    'free_insurance'           => true,
    'combined_payment'         => true,
    'payment_method'           => 'PAYMENT_METHOD_OTHER',
    'period_premium_mode'      => 'PERIOD_PREMIUM_MODE_EQUAL',
    'payment_period'           => 'PAYMENT_PERIOD_DAY',
    'first_period_amount'      => 8000,
    'subsequent_period_amount' => 5000,
    'coverage_term_type'       => 'COVERAGE_TERM_TYPE_FIXED_DATE',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

php

$instance->chain('v3/inspolicymgr/deduct/policies')->postAsync([
  'json' => [
    'out_insurance_no'         => 'Auisihsiahishishi4hihsid123418id',
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_company_code'   => '1001',
    'effective_time'           => '2025-09-21T17:11:12+08:00',
    'expired_time'             => '2025-09-21T17:11:12+08:00',
    'coverage_detail'          => '可保190种疾病，确诊一次性赔付',
    'support_renewal'          => true,
    'start_renewal_time'       => '2025-09-21T17:11:12+08:00',
    'end_renewal_time'         => '2025-09-21T17:11:12+08:00',
    'policy_type'              => 'POLICY_TYPE_OTHER',
    'car_number'               => '粤B·AB123',
    'pet_name'                 => '小狗',
    'address'                  => '上海市浦东新区晨晖路1001号',
    'policy_state'             => 'POLICY_STATE_ISSUING',
    'policy_code'              => 'Coisihsiaxishishi4hihsid1ii411co',
    'plan_id'                  => '12535',
    'out_contract_code'        => 'wxwtdk20200910100000',
    'policy_periods'           => [1],
    'appid'                    => 'wxd678efh567hg6787',
    'openid'                   => 'oYobu0MVnQfWpSMOYJz2AHPG_gQw',
    'free_insurance'           => true,
    'combined_payment'         => true,
    'payment_method'           => 'PAYMENT_METHOD_OTHER',
    'period_premium_mode'      => 'PERIOD_PREMIUM_MODE_EQUAL',
    'payment_period'           => 'PAYMENT_PERIOD_DAY',
    'first_period_amount'      => 8000,
    'subsequent_period_amount' => 5000,
    'coverage_term_type'       => 'COVERAGE_TERM_TYPE_FIXED_DATE',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

php

$instance['v3/inspolicymgr/deduct/policies']->postAsync([
  'json' => [
    'out_insurance_no'         => 'Auisihsiahishishi4hihsid123418id',
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_company_code'   => '1001',
    'effective_time'           => '2025-09-21T17:11:12+08:00',
    'expired_time'             => '2025-09-21T17:11:12+08:00',
    'coverage_detail'          => '可保190种疾病，确诊一次性赔付',
    'support_renewal'          => true,
    'start_renewal_time'       => '2025-09-21T17:11:12+08:00',
    'end_renewal_time'         => '2025-09-21T17:11:12+08:00',
    'policy_type'              => 'POLICY_TYPE_OTHER',
    'car_number'               => '粤B·AB123',
    'pet_name'                 => '小狗',
    'address'                  => '上海市浦东新区晨晖路1001号',
    'policy_state'             => 'POLICY_STATE_ISSUING',
    'policy_code'              => 'Coisihsiaxishishi4hihsid1ii411co',
    'plan_id'                  => '12535',
    'out_contract_code'        => 'wxwtdk20200910100000',
    'policy_periods'           => [1],
    'appid'                    => 'wxd678efh567hg6787',
    'openid'                   => 'oYobu0MVnQfWpSMOYJz2AHPG_gQw',
    'free_insurance'           => true,
    'combined_payment'         => true,
    'payment_method'           => 'PAYMENT_METHOD_OTHER',
    'period_premium_mode'      => 'PERIOD_PREMIUM_MODE_EQUAL',
    'payment_period'           => 'PAYMENT_PERIOD_DAY',
    'first_period_amount'      => 8000,
    'subsequent_period_amount' => 5000,
    'coverage_term_type'       => 'COVERAGE_TERM_TYPE_FIXED_DATE',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

php

$response = $instance->v3->inspolicymgr->deduct->policies->post([
  'json' => [
    'out_insurance_no'         => 'Auisihsiahishishi4hihsid123418id',
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_company_code'   => '1001',
    'effective_time'           => '2025-09-21T17:11:12+08:00',
    'expired_time'             => '2025-09-21T17:11:12+08:00',
    'coverage_detail'          => '可保190种疾病，确诊一次性赔付',
    'support_renewal'          => true,
    'start_renewal_time'       => '2025-09-21T17:11:12+08:00',
    'end_renewal_time'         => '2025-09-21T17:11:12+08:00',
    'policy_type'              => 'POLICY_TYPE_OTHER',
    'car_number'               => '粤B·AB123',
    'pet_name'                 => '小狗',
    'address'                  => '上海市浦东新区晨晖路1001号',
    'policy_state'             => 'POLICY_STATE_ISSUING',
    'policy_code'              => 'Coisihsiaxishishi4hihsid1ii411co',
    'plan_id'                  => '12535',
    'out_contract_code'        => 'wxwtdk20200910100000',
    'policy_periods'           => [1],
    'appid'                    => 'wxd678efh567hg6787',
    'openid'                   => 'oYobu0MVnQfWpSMOYJz2AHPG_gQw',
    'free_insurance'           => true,
    'combined_payment'         => true,
    'payment_method'           => 'PAYMENT_METHOD_OTHER',
    'period_premium_mode'      => 'PERIOD_PREMIUM_MODE_EQUAL',
    'payment_period'           => 'PAYMENT_PERIOD_DAY',
    'first_period_amount'      => 8000,
    'subsequent_period_amount' => 5000,
    'coverage_term_type'       => 'COVERAGE_TERM_TYPE_FIXED_DATE',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

php

$response = $instance->chain('v3/inspolicymgr/deduct/policies')->post([
  'json' => [
    'out_insurance_no'         => 'Auisihsiahishishi4hihsid123418id',
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_company_code'   => '1001',
    'effective_time'           => '2025-09-21T17:11:12+08:00',
    'expired_time'             => '2025-09-21T17:11:12+08:00',
    'coverage_detail'          => '可保190种疾病，确诊一次性赔付',
    'support_renewal'          => true,
    'start_renewal_time'       => '2025-09-21T17:11:12+08:00',
    'end_renewal_time'         => '2025-09-21T17:11:12+08:00',
    'policy_type'              => 'POLICY_TYPE_OTHER',
    'car_number'               => '粤B·AB123',
    'pet_name'                 => '小狗',
    'address'                  => '上海市浦东新区晨晖路1001号',
    'policy_state'             => 'POLICY_STATE_ISSUING',
    'policy_code'              => 'Coisihsiaxishishi4hihsid1ii411co',
    'plan_id'                  => '12535',
    'out_contract_code'        => 'wxwtdk20200910100000',
    'policy_periods'           => [1],
    'appid'                    => 'wxd678efh567hg6787',
    'openid'                   => 'oYobu0MVnQfWpSMOYJz2AHPG_gQw',
    'free_insurance'           => true,
    'combined_payment'         => true,
    'payment_method'           => 'PAYMENT_METHOD_OTHER',
    'period_premium_mode'      => 'PERIOD_PREMIUM_MODE_EQUAL',
    'payment_period'           => 'PAYMENT_PERIOD_DAY',
    'first_period_amount'      => 8000,
    'subsequent_period_amount' => 5000,
    'coverage_term_type'       => 'COVERAGE_TERM_TYPE_FIXED_DATE',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

php

$response = $instance['v3/inspolicymgr/deduct/policies']->post([
  'json' => [
    'out_insurance_no'         => 'Auisihsiahishishi4hihsid123418id',
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_company_code'   => '1001',
    'effective_time'           => '2025-09-21T17:11:12+08:00',
    'expired_time'             => '2025-09-21T17:11:12+08:00',
    'coverage_detail'          => '可保190种疾病，确诊一次性赔付',
    'support_renewal'          => true,
    'start_renewal_time'       => '2025-09-21T17:11:12+08:00',
    'end_renewal_time'         => '2025-09-21T17:11:12+08:00',
    'policy_type'              => 'POLICY_TYPE_OTHER',
    'car_number'               => '粤B·AB123',
    'pet_name'                 => '小狗',
    'address'                  => '上海市浦东新区晨晖路1001号',
    'policy_state'             => 'POLICY_STATE_ISSUING',
    'policy_code'              => 'Coisihsiaxishishi4hihsid1ii411co',
    'plan_id'                  => '12535',
    'out_contract_code'        => 'wxwtdk20200910100000',
    'policy_periods'           => [1],
    'appid'                    => 'wxd678efh567hg6787',
    'openid'                   => 'oYobu0MVnQfWpSMOYJz2AHPG_gQw',
    'free_insurance'           => true,
    'combined_payment'         => true,
    'payment_method'           => 'PAYMENT_METHOD_OTHER',
    'period_premium_mode'      => 'PERIOD_PREMIUM_MODE_EQUAL',
    'payment_period'           => 'PAYMENT_PERIOD_DAY',
    'first_period_amount'      => 8000,
    'subsequent_period_amount' => 5000,
    'coverage_term_type'       => 'COVERAGE_TERM_TYPE_FIXED_DATE',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

返回字典	类型	描述
out_insurance_no	string	商户保险编号
insurance_name	string	保险名称
insured_name_list	string[]	被保险人姓名列表
insurance_company_code	string	承保公司代码
effective_time	string	保单生效时间
expired_time	string	保单失效时间
coverage_detail	string	保障详情
support_renewal	boolean	是否支持续保
start_renewal_time	string	可续保开始时间
end_renewal_time	string	可续保结束时间
policy_type	string	保单类型 `POLICY_TYPE_OTHER` \| `POLICY_TYPE_MEDICAL` \| `POLICY_TYPE_ACCIDENT` \| `POLICY_TYPE_CRITICAL` \| `POLICY_TYPE_CAR` \| `POLICY_TYPE_LIFE` \| `POLICY_TYPE_PROPERTY` \| `POLICY_TYPE_PET` \| `POLICY_TYPE_ANNUITY` 枚举值之一
car_number	string	车牌信息
pet_name	string	宠物名称
address	string	地址信息
policy_state	string	保单状态 `POLICY_STATE_ISSUING` \| `POLICY_STATE_APPROVED` \| `POLICY_STATE_DECLINED` \| `POLICY_STATE_INACTIVE` 枚举值之一
policy_code	string	保司保单号
plan_id	string	委托代扣模板ID
out_contract_code	string	商户签约协议号
policy_periods	number[]	保单的扣费周期列表
free_insurance	boolean	是否为赠险
combined_payment	boolean	是否与其它保单合并扣费
payment_method	string	缴费方式 `PAYMENT_METHOD_OTHER` \| `PAYMENT_METHOD_PERIOD` \| `PAYMENT_METHOD_LUMP_SUM` 枚举值之一
period_premium_mode	string	期交保费模式 `PERIOD_PREMIUM_MODE_EQUAL` \| `PERIOD_PREMIUM_MODE_FIRST_DIFF` \| `PERIOD_PREMIUM_MODE_MULTI_DIFF` 枚举值之一
payment_period	string	缴费周期 `PAYMENT_PERIOD_DAY` \| `PAYMENT_PERIOD_WEEK` \| `PAYMENT_PERIOD_BIWEEKLY` \| `PAYMENT_PERIOD_MONTH` \| `PAYMENT_PERIOD_QUARTER` \| `PAYMENT_PERIOD_HALF_YEAR` \| `PAYMENT_PERIOD_YEAR` 枚举值之一
first_period_amount	integer	首期保费金额
subsequent_period_amount	integer	后续每期保费金额
coverage_term_type	string	保障期限类型 `COVERAGE_TERM_TYPE_FIXED_DATE` \| `COVERAGE_TERM_TYPE_LIFETIME` 枚举值之一

参阅官方文档

直连商户模式

合作伙伴模式

直连商户模式

合作伙伴模式

直连商户模式

合作伙伴模式

腾讯数电发票模式

区块链电子发票

自建/三方模式

二级商户授权

即时(需用户确认)模式

预约模式

电子回单

免确认

免确认

直连商户模式

合作伙伴模式