{"program_id":"spi-agent-lca-2026-10","version":"2026-10-22.1","status":"active","product_line":"LCA","payer":"Swiss Premium Insurance","beneficiary":"customer","channel_scope":"api_agent_requests","benefit_kind":"one_time_cashback","currency":"CHF","basis":"one_month_equivalent","amount_chf":null,"amount_determination":"One monthly premium of the concluded supplementary insurance contract, confirmed by the insurer. SPI checks the policy; no amount calculated from a client-supplied premium.","trigger":"contract_concluded_and_insurer_approved","requires_policy_activation":false,"client_summary":{"en":"If you also conclude a supplementary insurance (LCA/VVG) through Swiss Premium Insurance and the insurer approves it, SPI pays you back one month’s premium of that contract.","fr":"Si vous concluez aussi une assurance complémentaire (LCA) par Swiss Premium Insurance et que l’assureur l’approuve, SPI vous reverse un mois de prime de ce contrat.","de":"Wenn Sie zusätzlich eine Zusatzversicherung (VVG) über Swiss Premium Insurance abschliessen und der Versicherer sie genehmigt, zahlt Ihnen SPI eine Monatsprämie dieses Vertrags zurück.","it":"Se stipula anche un’assicurazione complementare (LCA) tramite Swiss Premium Insurance e l’assicuratore la approva, SPI le restituisce un mese di premio di quel contratto."},"rationale":{"en":"Swiss Premium Insurance receives a fee from the insurer when a contract is concluded through it. For requests made through an AI agent, SPI passes that fee on to the client instead of paying a lead broker.","fr":"Swiss Premium Insurance perçoit une commission de l’assureur lorsqu’un contrat est conclu par son intermédiaire. Pour les demandes passées par un agent IA, SPI reverse cette commission au client au lieu de rémunérer un apporteur d’affaires.","de":"Swiss Premium Insurance erhält vom Versicherer eine Provision, wenn ein Vertrag über sie abgeschlossen wird. Bei Anfragen über einen KI-Agenten gibt SPI diese Provision an die Kundin oder den Kunden weiter, statt einen Vermittler zu bezahlen.","it":"Swiss Premium Insurance riceve una provvigione dall’assicuratore quando un contratto è concluso tramite essa. Per le richieste effettuate tramite un agente IA, SPI riversa questa provvigione al cliente invece di pagare un procacciatore."},"valid_from":"2026-10-22","valid_until":null,"how_to_request":"Set supplementary_interest:true in the offer request; SPI contacts the client about supplementary cover.","conditions":["The customer requests an offer through an AI agent using this API and the contract is concluded through Swiss Premium Insurance.","The insurer has approved the contract. An offer request or comparison alone does not qualify.","Swiss Premium Insurance verifies the contract and handles the separate customer payment. This API creates no payment.","An agent name is self-declared, not proof of an insurer-approved contract. No payment is made to AI agents.","LAMal does not require supplementary insurance or marketing consent."],"paid_separately_by_broker":true,"changes_insurer_premium":false,"automatic_payment":false,"individual_eligibility":"every_insurer_approved_contract_concluded_through_spi","distribution_availability":"any_insurer_contract_concluded_through_spi","approval":{"source":"published_by_swiss_premium_insurance_sarl","confirmed_on":"2026-10-22","verification":"SPI confirms each concluded contract with the insurer; no further eligibility check."},"terms_url":"https://api.assurs.ch/api/v1/rewards/terms/spi-agent-lca-2026-10","terms_page_url":"https://api.assurs.ch/rewards/terms","contact":"contact@sp-insurance.ch"}