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

# Calculate Premium

Calculate the premium and fee.

# 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": "Personal Insurance",
      "description": "Personal insurance covers application insurance for a certain person e.g. personal accident, health, dengue, typhus insurance."
    }
  ],
  "servers": [
    {
      "url": "https://api-staging.cermatiprotect.com/insurance/v1"
    },
    {
      "url": "https://api.cermatiprotect.com/insurance/v1"
    }
  ],
  "paths": {
    "/personal/premium": {
      "post": {
        "summary": "Calculate Premium",
        "description": "Calculate the premium and fee.",
        "tags": [
          "Personal Insurance"
        ],
        "requestBody": {
          "$ref": "#/components/requestBodies/PersonalCalculatePremium"
        },
        "responses": {
          "200": {
            "$ref": "#/components/responses/BaseCalculatePremium"
          }
        }
      }
    }
  },
  "components": {
    "securitySchemes": {
      "basicAuth": {
        "type": "http",
        "scheme": "basic"
      }
    },
    "responses": {
      "BaseCalculatePremium": {
        "description": "",
        "content": {
          "application/json": {
            "schema": {
              "type": "object",
              "properties": {
                "premium": {
                  "type": "number",
                  "description": "Premium to be paid in IDR."
                },
                "adminFee": {
                  "type": "number",
                  "description": "Admin fee to be paid in IDR."
                }
              },
              "required": [
                "premium",
                "adminFee"
              ]
            },
            "examples": {
              "Success": {
                "$ref": "#/components/examples/CalculateResponse"
              }
            }
          }
        }
      }
    },
    "requestBodies": {
      "PersonalCalculatePremium": {
        "content": {
          "application/json": {
            "schema": {
              "type": "object",
              "properties": {
                "productId": {
                  "type": "string",
                  "maxLength": 100,
                  "description": "Partnership Product Id given to partner.",
                  "example": "insurance-1"
                },
                "insured": {
                  "$ref": "#/components/schemas/PersonalInsuredCalculate"
                },
                "additionalParameters": {
                  "type": "object",
                  "additionalProperties": true,
                  "description": "Extra parameters applicable to the product. The expected fields depend on the product ID."
                }
              },
              "required": [
                "productId",
                "insured"
              ]
            }
          }
        }
      }
    },
    "schemas": {
      "PersonalInsuredCalculate": {
        "type": "object",
        "description": "Insured person information to be calculated.",
        "properties": {
          "placeOfBirth": {
            "maxLength": 100,
            "type": "string",
            "description": "Birthplace of the insured person.",
            "example": "Jakarta"
          },
          "dateOfBirth": {
            "format": "date",
            "type": "string",
            "description": "Birth date of the insured person.",
            "example": "1991-05-12"
          },
          "address": {
            "maxLength": 1000,
            "type": "string",
            "description": "Insured person's street address.",
            "example": "Jalan Tomang Raya"
          },
          "province": {
            "maxLength": 140,
            "type": "string",
            "description": "Insured person's province (provinsi).",
            "example": "DKI Jakarta"
          },
          "city": {
            "maxLength": 140,
            "type": "string",
            "description": "Insured person's city (kota).",
            "example": "Kota Jakarta Barat"
          },
          "district": {
            "maxLength": 140,
            "type": "string",
            "description": "Insured person's district (kecamatan).",
            "example": "Palmerah"
          },
          "village": {
            "maxLength": 140,
            "type": "string",
            "description": "Insured person's village/subdistrict (kelurahan).",
            "example": "Jatipulo"
          },
          "postalCode": {
            "maxLength": 10,
            "type": "string",
            "description": "Insured person's postal code.",
            "example": "11430"
          }
        },
        "required": [
          "placeOfBirth",
          "dateOfBirth",
          "address",
          "postalCode"
        ]
      }
    },
    "examples": {
      "CalculateResponse": {
        "value": {
          "premium": 150000,
          "adminFee": 1500
        }
      }
    }
  },
  "security": [
    {
      "basicAuth": []
    }
  ],
  "x-readme": {
    "explorer-enabled": true,
    "proxy-enabled": true,
    "samples-enabled": true
  }
}
```