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查询和更新保单信息 ​

查询保单 ​

商户通过商户保险编号获取在微信支付侧同步的保单信息。信息对账：商户应定期通过此接口，核对微信支付平台记录的保单信息与商户系统内是否一致。

请求参数类型描述
out_insurance_nostring商户保险编号
php
$instance->v3->inspolicymgr->deduct->policies->_out_insurance_no_->getAsync([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();
php
$instance->chain('v3/inspolicymgr/deduct/policies/{out_insurance_no}')->getAsync([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();
php
$instance['v3/inspolicymgr/deduct/policies/{out_insurance_no}']->getAsync([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();
php
$response = $instance->v3->inspolicymgr->deduct->policies->_out_insurance_no_->get([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
]);
print_r(json_decode((string) $response->getBody(), true));
php
$response = $instance->chain('v3/inspolicymgr/deduct/policies/{out_insurance_no}')->get([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
]);
print_r(json_decode((string) $response->getBody(), true));
php
$response = $instance['v3/inspolicymgr/deduct/policies/{out_insurance_no}']->get([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
]);
print_r(json_decode((string) $response->getBody(), true));
返回字典类型描述
out_insurance_nostring商户保险编号
insurance_namestring保险名称
insured_name_liststring[]被保险人姓名列表
insurance_company_codestring承保公司代码
effective_timestring保单生效时间
expired_timestring保单失效时间
coverage_detailstring保障详情
support_renewalboolean是否支持续保
start_renewal_timestring可续保开始时间
end_renewal_timestring可续保结束时间
policy_typestring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_numberstring车牌信息
pet_namestring宠物名称
addressstring地址信息
policy_statestring保单状态
POLICY_STATE_ISSUING | POLICY_STATE_APPROVED | POLICY_STATE_DECLINED | POLICY_STATE_INACTIVE 枚举值之一
policy_codestring保司保单号
plan_idstring委托代扣模板ID
out_contract_codestring商户签约协议号
policy_periodsnumber[]保单的扣费周期列表
free_insuranceboolean是否为赠险
combined_paymentboolean是否与其它保单合并扣费
payment_methodstring缴费方式
PAYMENT_METHOD_OTHER | PAYMENT_METHOD_PERIOD | PAYMENT_METHOD_LUMP_SUM 枚举值之一
period_premium_modestring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_periodstring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_amountinteger首期保费金额
subsequent_period_amountinteger后续每期保费金额
coverage_term_typestring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

更新保单信息 ​

当保单信息变更，如出单成功、用户退保、保单失效等，商户需调用此接口实时同步更新保单信息。

请求参数类型描述
out_insurance_nostring商户保险编号
jsonobject声明请求的JSON数据结构
insured_name_liststring[]被保险人姓名列表
insurance_namestring保险名称
effective_timestring保单生效时间
expired_timestring保单失效时间
coverage_detailstring保障详情
support_renewalboolean是否支持续保
start_renewal_timestring可续保开始时间
end_renewal_timestring可续保结束时间
policy_typestring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_numberstring车牌信息
pet_namestring宠物名称
addressstring地址信息
policy_statestring保单状态
POLICY_STATE_ISSUING | POLICY_STATE_APPROVED | POLICY_STATE_DECLINED | POLICY_STATE_INACTIVE 枚举值之一
policy_codestring保司保单号
plan_idstring委托代扣模板ID
out_contract_codestring商户签约协议号
policy_periodsnumber[]保单的扣费周期列表
free_insuranceboolean是否为赠险
combined_paymentboolean是否与其它保单合并扣费
payment_methodstring缴费方式
PAYMENT_METHOD_OTHER | PAYMENT_METHOD_PERIOD | PAYMENT_METHOD_LUMP_SUM 枚举值之一
period_premium_modestring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_periodstring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_amountinteger首期保费金额
subsequent_period_amountinteger后续每期保费金额
coverage_term_typestring保障期限类型
COVERAGE_TERM_TYPE_FIXED_DATE | COVERAGE_TERM_TYPE_LIFETIME 枚举值之一
headersobject声明请求的头参数
Wechatpay-Serialstring微信支付公钥ID/平台证书序列号
php
$instance->v3->inspolicymgr->deduct->policies->_out_insurance_no_->patchAsync([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
  'json' => [
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_name'           => '微医保·百万医疗险',
    '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],
    '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/{out_insurance_no}')->patchAsync([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
  'json' => [
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_name'           => '微医保·百万医疗险',
    '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],
    '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/{out_insurance_no}']->patchAsync([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
  'json' => [
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_name'           => '微医保·百万医疗险',
    '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],
    '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->_out_insurance_no_->patch([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
  'json' => [
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_name'           => '微医保·百万医疗险',
    '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],
    '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/{out_insurance_no}')->patch([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
  'json' => [
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_name'           => '微医保·百万医疗险',
    '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],
    '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/{out_insurance_no}']->patch([
  'out_insurance_no' => 'Auisihsiahishishi4hihsid123418id',
  'json' => [
    'insured_name_list'        => ['tCk1JSUV2QUlCQURBTkJna3Foa2lHOXc'],
    'insurance_name'           => '微医保·百万医疗险',
    '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],
    '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_nostring商户保险编号
insurance_namestring保险名称
insured_name_liststring[]被保险人姓名列表
insurance_company_codestring承保公司代码
effective_timestring保单生效时间
expired_timestring保单失效时间
coverage_detailstring保障详情
support_renewalboolean是否支持续保
start_renewal_timestring可续保开始时间
end_renewal_timestring可续保结束时间
policy_typestring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_numberstring车牌信息
pet_namestring宠物名称
addressstring地址信息
policy_statestring保单状态
POLICY_STATE_ISSUING | POLICY_STATE_APPROVED | POLICY_STATE_DECLINED | POLICY_STATE_INACTIVE 枚举值之一
policy_codestring保司保单号
plan_idstring委托代扣模板ID
out_contract_codestring商户签约协议号
policy_periodsnumber[]保单的扣费周期列表
free_insuranceboolean是否为赠险
combined_paymentboolean是否与其它保单合并扣费
payment_methodstring缴费方式
PAYMENT_METHOD_OTHER | PAYMENT_METHOD_PERIOD | PAYMENT_METHOD_LUMP_SUM 枚举值之一
period_premium_modestring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_periodstring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_amountinteger首期保费金额
subsequent_period_amountinteger后续每期保费金额
coverage_term_typestring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

Published on the GitHub by TheNorthMemory