{"status":"active","programs":[{"program_id":"spi-agent-lamal-2026-10","version":"2026-10-22.1","status":"active","product_line":"LAMAL","payer":"Swiss Premium Insurance","beneficiary":"customer","channel_scope":"api_agent_requests","benefit_kind":"one_time_cashback","currency":"CHF","basis":"fixed_chf","amount_chf":30,"amount_determination":"CHF 30 per concluded and insurer-approved basic insurance contract.","trigger":"contract_concluded_and_insurer_approved","requires_policy_activation":false,"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":"not_assessed","distribution_availability":"confirm_with_spi","approval":{"source":"operator_commercial_instruction","confirmed_on":"2026-10-22","independent_legal_verification":false},"terms_url":"https://assurs-contact.onrender.com/api/v1/rewards/terms/spi-agent-lamal-2026-10","contact":"contact@sp-insurance.ch"},{"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,"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":"not_assessed","distribution_availability":"confirm_with_spi","approval":{"source":"operator_commercial_instruction","confirmed_on":"2026-10-22","independent_legal_verification":false},"terms_url":"https://assurs-contact.onrender.com/api/v1/rewards/terms/spi-agent-lca-2026-10","contact":"contact@sp-insurance.ch"}]}