---
updatedAt: 2026-07-27T10:30:03.000Z
agentTools:
  projectIndex: https://docs.cermatiprotect.com/llms.txt
---

# Create Application

This endpoint creates an insurance application.

# OpenAPI definition

```json
{
  "openapi": "3.0.2",
  "info": {
    "title": "Cermati Protect Insurance API by Product Type",
    "version": "1.0.0",
    "description": "This Cermati Protect Insurance API Document for each product type",
    "termsOfService": "https://www.cermatiprotect.com/pages/terms-and-conditions",
    "contact": {
      "email": "dev.cermati@cermati.com"
    },
    "x-logo": {
      "url": "https://static.cermatiprotect.com/static/dist/images/logo/cermati-protect-white.png"
    }
  },
  "tags": [
    {
      "name": "Credit Insurance",
      "description": "Credit insurance covers application insurance for debtor during loan period."
    }
  ],
  "servers": [
    {
      "url": "https://api-staging.cermatiprotect.com/insurance/v1"
    },
    {
      "url": "https://api.cermatiprotect.com/insurance/v1"
    }
  ],
  "paths": {
    "/credit": {
      "post": {
        "summary": "Create Application",
        "description": "This endpoint creates an insurance application.",
        "tags": [
          "Credit Insurance"
        ],
        "requestBody": {
          "$ref": "#/components/requestBodies/CreditCreate"
        },
        "responses": {
          "200": {
            "$ref": "#/components/responses/ApplicationOperation"
          }
        }
      }
    }
  },
  "components": {
    "securitySchemes": {
      "basicAuth": {
        "type": "http",
        "scheme": "basic"
      }
    },
    "responses": {
      "ApplicationOperation": {
        "description": "",
        "content": {
          "application/json": {
            "schema": {
              "description": "",
              "type": "object",
              "properties": {
                "refNo": {
                  "type": "string",
                  "maxLength": 140,
                  "description": "Unique identifier from the partner, this must be unique per application."
                },
                "trxId": {
                  "type": "string",
                  "maxLength": 100,
                  "description": "The application transaction ID generated by Cermati Protect system."
                },
                "status": {
                  "$ref": "#/components/schemas/Status"
                },
                "documents": {
                  "type": "array",
                  "description": "List of the uploaded application documents",
                  "items": {
                    "type": "object",
                    "properties": {
                      "filename": {
                        "type": "string",
                        "description": "The name of the file"
                      },
                      "filetype": {
                        "type": "string",
                        "description": "The type of the file"
                      },
                      "type": {
                        "type": "string",
                        "description": "Type of the application document that is represented by this file"
                      }
                    }
                  }
                },
                "documentLinks": {
                  "type": "array",
                  "items": {
                    "$ref": "#/components/schemas/DocumentLink"
                  },
                  "description": "Download URL for uploaded application documents. The link will be available when the application is ISSUED status. This link will be generated and available for 24 hours from the last enquiry request. If the link expires, a partner is required to generate a new link to the document via enquire request."
                },
                "createdAt": {
                  "type": "string",
                  "format": "date-time",
                  "description": "Timestamp of the created application."
                },
                "updatedAt": {
                  "type": "string",
                  "format": "date-time",
                  "description": "Timestamp of the updated application."
                },
                "expiredAt": {
                  "type": "string",
                  "format": "date-time",
                  "description": "Expiration time of the created application."
                },
                "cancelledAt": {
                  "type": "string",
                  "format": "date-time",
                  "description": "Timestamp of the cancelled application."
                }
              },
              "required": [
                "refNo",
                "trxId",
                "status",
                "createdAt"
              ]
            },
            "examples": {
              "Success": {
                "$ref": "#/components/examples/ApplicationOperationResponse"
              }
            }
          }
        }
      }
    },
    "requestBodies": {
      "CreditCreate": {
        "content": {
          "application/json": {
            "schema": {
              "type": "object",
              "properties": {
                "productId": {
                  "type": "string",
                  "maxLength": 100,
                  "description": "Partnership Product Id given to partner.",
                  "example": "insurance-1"
                },
                "refNo": {
                  "type": "string",
                  "maxLength": 140,
                  "description": "Unique identifier from the partner, this must be unique per application.",
                  "example": "IN2331211"
                },
                "premium": {
                  "type": "number",
                  "minimum": 0,
                  "description": "Amount of insurance premium paid in IDR.",
                  "example": 150000
                },
                "adminFee": {
                  "type": "number",
                  "minimum": 0,
                  "description": "Amount of admin fee paid in IDR.",
                  "example": 0
                },
                "purchasedAt": {
                  "type": "string",
                  "format": "date-time",
                  "description": "Timestamp indicating when the booking created (ISO 8601 format with timezone).",
                  "example": "2021-05-06T01:32:35.003+07:00"
                },
                "coverageStart": {
                  "type": "string",
                  "format": "date-time",
                  "description": "Date time indicating insurance coverage started (ISO 8601 format with timezone).",
                  "example": "2021-05-01T07:00:00.000+07:00"
                },
                "coverageEnd": {
                  "type": "string",
                  "format": "date-time",
                  "description": "Date time indicating insurance coverage ended (ISO 8601 format with timezone).",
                  "example": "2021-05-10T12:03:54.566+07:00"
                },
                "loanId": {
                  "type": "string",
                  "maxLength": 200,
                  "description": "Unique identifier for loan transaction/contract.",
                  "example": "LOAN-123123"
                },
                "loanDate": {
                  "type": "string",
                  "format": "date",
                  "description": "The loan application date.",
                  "example": "2021-05-01"
                },
                "dueDate": {
                  "type": "string",
                  "format": "date",
                  "description": "Due date from given loan.",
                  "example": "2021-11-01"
                },
                "tenure": {
                  "type": "integer",
                  "description": "Tenure based on tenureUnit. Example: if value is 6 and tenureUnit is “MONTHLY” then the loan tenure is 6 months.",
                  "example": 6
                },
                "tenureUnit": {
                  "type": "string",
                  "enum": [
                    "DAILY",
                    "MONTHLY",
                    "YEARLY"
                  ],
                  "description": "Unit for tenure.",
                  "example": "MONTHLY"
                },
                "loanAmount": {
                  "type": "number",
                  "minimum": 0,
                  "description": "Loan amount in IDR.",
                  "example": 8000000
                },
                "debtor": {
                  "$ref": "#/components/schemas/DebtorEntity"
                },
                "creditor": {
                  "$ref": "#/components/schemas/CreditorEntity"
                },
                "overrideNotificationUrl": {
                  "$ref": "#/components/schemas/OverrideNotificationUrl"
                },
                "additionalParameters": {
                  "type": "object",
                  "additionalProperties": true,
                  "description": "Extra parameters applicable to the product. The expected fields depend on the product ID."
                }
              },
              "required": [
                "productId",
                "refNo",
                "loanId",
                "loanDate",
                "dueDate",
                "tenure",
                "tenureUnit",
                "loanAmount",
                "debtor"
              ]
            }
          }
        }
      }
    },
    "schemas": {
      "DocumentLink": {
        "type": "object",
        "properties": {
          "title": {
            "type": "string",
            "description": "Title of the link.",
            "maxLength": 200
          },
          "url": {
            "type": "string",
            "description": "LInk to documents.",
            "maxLength": 1000
          }
        }
      },
      "Status": {
        "type": "string",
        "maxLength": 20,
        "description": "Status of the application, refer to Insurance Application Status section.",
        "enum": [
          "ACTIVATED",
          "CANCELLED",
          "DATA_COMPLETE",
          "DATA_INCOMPLETE",
          "EXPIRED",
          "INVALID",
          "ISSUED",
          "REJECTED"
        ]
      },
      "CreditorEntity": {
        "description": "Creditor information, can be company or person.",
        "type": "object",
        "properties": {
          "name": {
            "maxLength": 100,
            "type": "string",
            "description": "Name of the creditor.",
            "example": "PT Dwi Cermat Indonesia"
          },
          "email": {
            "maxLength": 100,
            "type": "string",
            "description": "Email address of the creditor.",
            "example": "creditor@cermatiprotect.com"
          },
          "phoneNo": {
            "maxLength": 20,
            "type": "string",
            "description": "Phone Number of the creditor, format +[countryCode][phoneNo] e.g. +62817654321.",
            "example": "+622121123123"
          },
          "placeOfBirth": {
            "maxLength": 100,
            "type": "string",
            "description": "Birthplace of the creditor.",
            "example": "Jakarta"
          },
          "dateOfBirth": {
            "format": "date",
            "type": "string",
            "description": "Birth date of the creditor.",
            "example": "1991-05-12"
          },
          "identityNumber": {
            "maxLength": 16,
            "type": "string",
            "description": "Creditor identity number",
            "example": "123456789012345"
          },
          "identityType": {
            "maxLength": 20,
            "type": "string",
            "description": "Identity type, example: PASSPORT, KTP, SIM, NPWP",
            "example": "NPWP"
          },
          "address": {
            "maxLength": 1000,
            "type": "string",
            "description": "Creditor’s street address.",
            "example": "Jalan Tomang Raya"
          },
          "province": {
            "maxLength": 140,
            "type": "string",
            "description": "Creditor’s province (provinsi).",
            "example": "DKI Jakarta"
          },
          "city": {
            "maxLength": 140,
            "type": "string",
            "description": "Creditor’s city (kota).",
            "example": "Kota Jakarta Barat"
          },
          "district": {
            "maxLength": 140,
            "type": "string",
            "description": "Creditor’s district (kecamatan).",
            "example": "Palmerah"
          },
          "village": {
            "maxLength": 140,
            "type": "string",
            "description": "Creditor’s village/subdistrict (kelurahan).",
            "example": "Jatipulo"
          },
          "postalCode": {
            "maxLength": 10,
            "type": "string",
            "description": "Creditor’s postal code.",
            "example": "11430"
          }
        },
        "required": [
          "name",
          "email",
          "phoneNo",
          "identityNumber",
          "identityType",
          "address",
          "postalCode"
        ]
      },
      "DebtorEntity": {
        "description": "Debtor information, can be company or person.",
        "type": "object",
        "properties": {
          "name": {
            "maxLength": 100,
            "type": "string",
            "description": "Name of the debtor.",
            "example": "Cermat Indra Kusuma"
          },
          "email": {
            "maxLength": 100,
            "type": "string",
            "description": "Email address of the debtor.",
            "example": "kusuma.indra@cermatiprotect.com"
          },
          "phoneNo": {
            "maxLength": 20,
            "type": "string",
            "description": "Phone Number of the debtor, format +[countryCode][phoneNo] e.g. +62817654321.",
            "example": "+628888123123"
          },
          "placeOfBirth": {
            "maxLength": 100,
            "type": "string",
            "description": "Birthplace of the debtor.",
            "example": "Jakarta"
          },
          "dateOfBirth": {
            "format": "date",
            "type": "string",
            "description": "Birth date of the debtor.",
            "example": "1991-05-12"
          },
          "identityNumber": {
            "maxLength": 16,
            "type": "string",
            "description": "Debtor identity number.",
            "example": "3216541205910001"
          },
          "identityType": {
            "maxLength": 20,
            "type": "string",
            "description": "Identity type, example: PASSPORT, KTP, SIM, NPWP",
            "example": "KTP"
          },
          "address": {
            "maxLength": 1000,
            "type": "string",
            "description": "Debtor’s street address.",
            "example": "Jalan Tomang Raya"
          },
          "province": {
            "maxLength": 140,
            "type": "string",
            "description": "Debtor’s province (provinsi).",
            "example": "DKI Jakarta"
          },
          "city": {
            "maxLength": 140,
            "type": "string",
            "description": "Debtor’s city (kota).",
            "example": "Kota Jakarta Barat"
          },
          "district": {
            "maxLength": 140,
            "type": "string",
            "description": "Debtor’s district (kecamatan).",
            "example": "Palmerah"
          },
          "village": {
            "maxLength": 140,
            "type": "string",
            "description": "Debtor’s village/subdistrict (kelurahan).",
            "example": "Jatipulo"
          },
          "postalCode": {
            "maxLength": 10,
            "type": "string",
            "description": "Debtor’s postal code.",
            "example": "11430"
          }
        },
        "required": [
          "name",
          "email",
          "phoneNo",
          "identityNumber",
          "identityType",
          "address",
          "postalCode"
        ]
      },
      "OverrideNotificationUrl": {
        "type": "object",
        "description": "Override Notification URL.",
        "properties": {
          "applicationEvent": {
            "type": "string",
            "description": "Enter override URL for the Application Event notifications.",
            "example": "URL"
          },
          "claimEvent": {
            "type": "string",
            "description": "Enter override URL for the Application Event notifications.",
            "example": "URL"
          }
        }
      }
    },
    "examples": {
      "ApplicationOperationResponse": {
        "value": {
          "refNo": "IN2331211",
          "trxId": "insurance-IN2331211",
          "status": "DATA_COMPLETE",
          "documents": [],
          "documentLinks": [],
          "createdAt": "2022-06-30T16:19:47.189+07:00",
          "updatedAt": "2022-06-30T16:19:47.189+07:00",
          "expiredAt": null,
          "cancelledAt": null
        }
      }
    }
  },
  "security": [
    {
      "basicAuth": []
    }
  ],
  "x-readme": {
    "explorer-enabled": true,
    "proxy-enabled": true,
    "samples-enabled": true
  }
}
```