ONDC
Network / Protocol
Care Health Insurance
Protection Provider
Sencov
Technology + Orchestration + VAS
01 — LSP API Request
LSP / BAP → Sencov
POST /v1/health-protection/offers
{
"customer_id": "LSP-84921",
"loan_amount": 200000,
"loan_tenure": 12,
"loan_type": "PERSONAL_LOAN"
}This is a Sencov proprietary API integration — not an ONDC protocol interaction. The LSP never integrates with Care directly.
02 — Sencov Product Logic
Eligibility & offer construction
- Loan Amount (input)
- ₹2,00,000
- Max Fixed Benefit
- ₹2,00,000
- Product
- Health Protection
Loan amount is used only as a parameter to determine the maximum applicable fixed benefit.
03 — ONDC Protocol — Search / Select
Sencov → Care Health Insurance (BPP)
POST /search → on_search
POST /select → on_select
{
"domain": "ONDC:FIS13",
"category": "HEALTH_INSURANCE",
"provider": "CARE_HEALTH_INSURANCE"
}04 — Care Health Insurance Response
BPP quote & eligibility
- Eligibility
- ELIGIBLE ✓
- Maximum Fixed Benefit
- ₹2,00,000
- Hospital Cash
- ₹2,000/day
- ICU Benefit
- ₹2,500/day
- Insurance Premium
- ₹399
- Covered Events
- Critical Illness · Major Accident + Hosp. >2 days
Sencov obtains this product information from Care. Sencov is not the insurer.
05 — ONDC Protocol — Init / Confirm
Consent, payment and policy issuance
POST /init → on_init
POST /confirm → on_confirm
{
"policy_number": "CHI-DEMO-123456",
"premium": 399,
"status": "ACTIVE"
}06 — Sencov Offer & VAS Activation
Bundled pricing returned to the LSP journey
- Insurance
- ₹399
- VAS
- ₹100
- Total
- ₹499
- Teleconsultation ✓
- Annual Health Check-up ✓
- Diagnostics ✓
- Pharmacy / Wellness Benefits ✓
Architecture
Two distinct interfaces: a Sencov API integration on the LSP side, and ONDC Health Insurance protocol on the insurer side.
ONDC NETWORK
Financial Services / Health Insurance Protocol
LSP
BAP
- Existing ONDC lending journey
Technology + Orchestration
- Product Logic
- Widget
- Payment Flow
- VAS
BPP
- Health Protection
LSP
ONDC BAP — buyer-side network participant
Sencov
Technology & orchestration layer — not a BAP or BPP
Care Health Insurance
ONDC BPP — the insurer