What this category’s data looks like
Coverage liability data is sourced from two locations: the policy-linked liability clause library of the insurance company’s core business system, and historical claim records from the claim assessment system.
There are two data update schedules:
- Real-time generation of matching liability entries when a policy is activated.
- Full synchronization updates when clauses are revised.
Each individual data entry is a structured item with five core fields: unique liability identifier, liability name, deductible amount, maximum payout amount, and applicable accident scope.
Deductible and maximum payout amounts are measured in RMB yuan. The unique liability identifier uses a string format. The applicable accident scope is a text description.
Constraints Imposed on HTTP Interfaces and External Systems
The source of coverage liability data means external system integrations must adapt to the interface specifications of the insurance company’s core business system. They must also follow industry-standard authentication and data encryption requirements.
Fields include monetary values. Interfaces must enforce validation of numeric formats and unit consistency to prevent exceptions in the initial claim review process caused by format errors.
The dual update schedule requires interfaces to support two invocation modes: real-time query for a single policy, and batch pull for multiple policies. This matches the needs of different initial review scenarios.
The fixed structure of single data entries requires that interface input parameters must include the policy number as the unique query identifier. This ensures returned data exactly matches the liability details of the target policy, and prevents data mix-ups.
Configuration Settings
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
EXTERNAL_API_TIMEOUT | 30 seconds | Coverage liability data queries typically take under 20 seconds. Adding reasonable buffer time prevents timeout interruptions |
EXTERNAL_API_RETRY_TIMES | 2 times | Insurance core system interfaces occasionally experience network jitter. Retrying reduces the failure rate of single requests |
BATCH_QUERY_MAX_SIZE | 50 entries | Controls the volume of batch queries to avoid exceeding the carrying capacity of upstream interfaces |
API_AUTH_TYPE | API_KEY | Adapts to the static key authentication specification commonly used for insurance industry external interfaces |
REQUEST_CONTENT_TYPE | application/json | Coverage liability data uses a structured format. JSON is a universal transmission standard |
ERROR_HANDLER_MODE | Classified by status code | Different HTTP status codes correspond to distinct exception scenarios, enabling targeted alerting and retries |
The parameter values provided on this page are standard recommended starting points for configuration. Actual values are affected by material form, data volume, and business rules. Specific issues require individual analysis. Testing against internal samples is recommended before finalizing settings.
Three Common Misconfigurations
- An external interface call returns an
EAI_AGAINerror log, with no valid HTTP status code. Cause: No domain name resolution timeout or automatic retry policy configured. Automatic recovery workflows are not triggered when upstream DNS servers experience occasional jitter. - An interface call returns a
429 Too Many Requestserror, with error text indicating upstream load saturation. Cause: No request rate limiting or load balancing policy configured. Batch query requests exceed the concurrent carrying limit of the upstream interface. - A single query returns coverage liability fields missing the deductible amount or maximum payout amount. Cause: No validation of the completeness of interface return fields. Exception intercept workflows are not triggered when upstream interfaces fail to return some fields correctly.
How to Verify Proper Configuration
- Initiate a single-policy coverage liability query request. Confirm returned fields exactly match the preset coverage liability structure.
- Initiate a batch query request. Confirm interface response time does not exceed the configured
EXTERNAL_API_TIMEOUTthreshold. - Simulate an upstream interface exception scenario. Confirm the system triggers the preset retry and alert logic.
- Review external system invocation logs. Confirm authentication parameters are correctly included in accordance with configuration.
Question material comes from public community discussions. Configuration values are common starting points and should be measured against your own samples. Verified on 2026-09-14.