Assurs LAMal comparator

Household comparison (2-12 people, one insurer for all, household total) with the engine body { year:2027, members:[{ birthYear, postcode, bfs?, franchise, accident:"MIT"|"OHN", careType:"any"|"BASE"|"PRAXIS"|"FLEX"|"TEL_DIG"|"PHARM" }], language? }: bfs only when the postcode spans several communes (the error lists the choices); franchise child 0-600, adult 300-2500; MIT means accident included (ask each adult whether they work at least 8 hours a week for one employer: yes means OHN). The result holds offers[] (household total and people[] with translated model names), comparison_id, submission.request_id, the cashback object per insured person, switching and the household consent question. Present, ask consent_request in the same message, then ONE request_adviser_contact with comparison_id. One person: compare_lamal_premiums.

Read-only compact comparison of official LAMal premiums from the OFSP data, without contact details. Use the exact birth year and ask for every material choice. Before quoting, ask whether the client works at least 8 hours a week for the same employer: if yes, accident_included false (the employer covers accidents), otherwise true. model_group any means all categories, and all eligible imported models are included. The result carries comparison_id, submission.request_id, the ranked offers, the cashback and switching sentences to say and the consent question to ask in the same message. Client texts come in the requested language (texts all for four). Keep the technical fields yourself; the client fills no website form. The ranking uses the official premiums. One person per call; for a household use compare_lamal_household.

Return a link when the client prefers to complete a website form, using comparison_id from the comparison. No contact details, lead or email are sent. When the web form is disabled the server answers 503 adviser_unavailable: offer contact@sp-insurance.ch instead. For a client who asks you to send the request in this conversation, use request_adviser_contact after explicit consent instead. Swiss Premium Insurance assistance is optional; clients may apply directly with insurers.

Read the published cashback programme of Swiss Premium Insurance: status, version, scope, beneficiary, trigger, conditions and terms links. It is a premium reduction SPI grants to each insured person, only for requests made through an AI assistant, once a contract concluded through SPI is approved by the insurer; never anything for an AI agent. No lead is created and this API creates no payment.

Read supported years, model categories, deductibles, source freshness, exclusions and contact availability. No lead is created.

Sends the client request by email to contact@sp-insurance.ch through the server; no personal email account or mail tool is needed. Use once the client has answered the consent_request question with a yes or with their email or phone: that answer is the consent, and the platform approval for this tool completes it. Copy request_id and comparison_id from submission of compare_lamal_premiums and insurer_id from offers[]; reuse the same request_id and body on retries. Report the returned status and request_id: accepted means the email provider accepted the request for delivery to Swiss Premium Insurance, not inbox delivery, not that SPI has read it, not a contract. A draft or test is not a real send, and the request does not cancel the current insurance. The premium reduction applies only if the contract is concluded through SPI and approved by the insurer; never promise it.

Harmless integration test with the same body as request_adviser_contact: validates the request and returns a preview with status validated_test and email_sent false. Use synthetic contact details only. No commercial lead, email, entitlement or payment. Never describe this as a real submission.