Insurance

Fields marked * are required. Updates keep every field they are not given. An AI app can ask vritto_describe for the same details, filtered to what its connection may use.

Insurance Policy`insurance_policy`

An insurance policy with premiums, renewal, and coverage. The same operations reach claims against a policy (type 'claim').

insurance_findFindthrough vritto_find

Read Insurance: one record by id, or policies and claims filtered by status, policy type, dates (a policy's renewal, a claim's filing), policy or text. No filter gives counts plus compact policy and claim rows (type, provider, premium, renewal, status; claim status, filed date, amount). detail 'full' for deductibles, coverage, contacts and notes.

Note: No filter returns a compact summary of policies and claims; from/to reads policies renewing (or claims filed) in a period.

Field	Type	Description
type	one of policy, claim	Which records to read; omit for both.
id	string	Return just this record.
policyId	string	Claims against this policy.
policyType	one of auto, home, renters, health, life, travel, pet, disability, umbrella, device, business, other	Type 'policy': only this kind of coverage.
status	one of active, pending, expired, cancelled, shopping, open, submitted, approved, paid, denied, closed	Only records in this status.
from	string	Earliest date, inclusive: a policy's renewal (else expiration), a claim's filing (else incident).
to	string	Latest date, inclusive, on the same dates. ALWAYS pass from/to when the question concerns a period.
query	string	Text to match: a provider, policy or claim number, named insured or adjuster.
limit	integer	Rows to return per type, default 25.
detail	one of summary, full	"summary" (default) compact rows; "full" every record incl. deductibles, coverage details, contacts, and notes.

Example input

{}

insurance_addCreate or Updatethrough vritto_create or vritto_update

Add one record: a policy (providerName, type, premium with its currency and billingCadence, dates), or a claim (type 'claim': policyId from insurance_find, incidentDate, amountClaimed). A real record.id updates that record instead; sent fields merge. Example: record { providerName 'GEICO', type 'auto', premium 120, currency 'USD', billingCadence 'monthly', deductible 500, expirationDate '2026-12-01' }.

Field	Type	Description
type	one of policy, claim	Record type: 'policy' (default) an insurance policy; 'claim' a claim against a policy.
record	object	The record's fields; a policy needs providerName, a claim its policyId.
record.id	string	Leave out to add; a real id updates that record, only the fields you send change.
record.providerName	string	Insurer or provider name, e.g. 'GEICO'. Required when creating.
record.source	one of manual, import, bank	Where the record came from. Set by the ingestion pipeline; leave unset.
record.websiteDomain	string	Provider website domain, e.g. 'geico.com'. Also used to resolve the logo.
record.policyNumber	string	Policy number.
record.type	one of auto, home, renters, health, life, travel, pet, disability, umbrella, device, business, other	Coverage type (default 'other').
record.status	one of active, pending, expired, cancelled, shopping, open, submitted, approved, paid, denied, closed	A policy is active (default), pending, expired, cancelled or shopping (a quote); a claim open (default), submitted, approved, paid, denied or closed.
record.namedInsured	string	Named insured people, e.g. 'Tharun; spouse'.
record.coverageSummary	string	Short summary of what the policy covers.
record.currency	string	ISO 4217 code of the record's money, as the user or the document states it ('USD', 'INR'). A claim takes its policy's when left out. Never assume USD.
record.premium	number	Premium per billing cadence in the given currency (default 0).
record.billingCadence	one of monthly, quarterly, semiannual, yearly, one_time, unknown	How often the premium is billed (default 'monthly').
record.deductible	number	Deductible amount (default 0).
record.coverageLimit	number	Coverage limit amount (default 0).
record.effectiveDate	string	Coverage start date (YYYY-MM-DD).
record.expirationDate	string	Coverage end date (YYYY-MM-DD).
record.renewalDate	string	Renewal date (YYYY-MM-DD). Defaults to the expiration date.
record.nextPaymentDate	string	Next premium payment date (YYYY-MM-DD).
record.renewalReminderDays	integer	Days before a renewal, expiration, or premium date to send the reminder (default 14, 0 = on the day).
record.agentName	string	Agent or broker name.
record.agentPhone	string	Agent phone number.
record.agentEmail	string	Agent email address.
record.customerServicePhone	string	Customer service or claims phone number.
record.notes	string	Notes; on a claim, timeline updates or a preparation checklist.
record.coveredPersonIds	list of string	People person ids this policy covers; replaces wholesale.
record.tags	list of string	Tags.
record.assetIds	list of string	Linked Files document IDs (policy documents, receipts, evidence). Resolve them with files_find or after an upload; never invented.
record.claimNumber	string	Insurer-assigned claim number.
record.incidentDate	string	Date of the incident (YYYY-MM-DD).
record.filedDate	string	Date the claim was filed (YYYY-MM-DD).
record.amountClaimed	number	Amount claimed (default 0).
record.amountPaid	number	Amount paid out so far (default 0).
record.adjusterName	string	Adjuster name.
record.adjusterPhone	string	Adjuster phone number.
record.policyId	string	Type 'claim': the covering policy. Required for a claim.
policy	object	Older form of record, for a policy.
policy.providerName	string
claim	object	Older form of record, for a claim.
claim.policyId	string

Example input

{
  "record": {
    "providerName": "State Farm",
    "type": "auto",
    "status": "active",
    "premium": 684,
    "currency": "USD",
    "billingCadence": "semiannual",
    "renewalDate": "2027-02-14"
  }
}

insurance_changeUpdatethrough vritto_update

Change one policy or claim by record.id (set type 'claim' for a claim); only sent fields change. A settled claim is its status and amountPaid; a lapsed policy is its status. Resolve the id with insurance_find first.

Field	Type	Description
type	one of policy, claim	Record type: 'policy' (default) an insurance policy; 'claim' a claim against a policy.
record*	object	The record's id plus the fields to change.
record.id*	string	Record ID from a prior insurance_find result, never invented.
record.providerName	string	Insurer or provider name, e.g. 'GEICO'. Required when creating.
record.source	one of manual, import, bank	Where the record came from. Set by the ingestion pipeline; leave unset.
record.websiteDomain	string	Provider website domain, e.g. 'geico.com'. Also used to resolve the logo.
record.policyNumber	string	Policy number.
record.type	one of auto, home, renters, health, life, travel, pet, disability, umbrella, device, business, other	Coverage type (default 'other').
record.status	one of active, pending, expired, cancelled, shopping, open, submitted, approved, paid, denied, closed	A policy is active (default), pending, expired, cancelled or shopping (a quote); a claim open (default), submitted, approved, paid, denied or closed.
record.namedInsured	string	Named insured people, e.g. 'Tharun; spouse'.
record.coverageSummary	string	Short summary of what the policy covers.
record.currency	string	ISO 4217 code of the record's money, as the user or the document states it ('USD', 'INR'). A claim takes its policy's when left out. Never assume USD.
record.premium	number	Premium per billing cadence in the given currency (default 0).
record.billingCadence	one of monthly, quarterly, semiannual, yearly, one_time, unknown	How often the premium is billed (default 'monthly').
record.deductible	number	Deductible amount (default 0).
record.coverageLimit	number	Coverage limit amount (default 0).
record.effectiveDate	string	Coverage start date (YYYY-MM-DD).
record.expirationDate	string	Coverage end date (YYYY-MM-DD).
record.renewalDate	string	Renewal date (YYYY-MM-DD). Defaults to the expiration date.
record.nextPaymentDate	string	Next premium payment date (YYYY-MM-DD).
record.renewalReminderDays	integer	Days before a renewal, expiration, or premium date to send the reminder (default 14, 0 = on the day).
record.agentName	string	Agent or broker name.
record.agentPhone	string	Agent phone number.
record.agentEmail	string	Agent email address.
record.customerServicePhone	string	Customer service or claims phone number.
record.notes	string	Notes; on a claim, timeline updates or a preparation checklist.
record.coveredPersonIds	list of string	People person ids this policy covers; replaces wholesale.
record.tags	list of string	Tags.
record.assetIds	list of string	Linked Files document IDs (policy documents, receipts, evidence). Resolve them with files_find or after an upload; never invented.
record.claimNumber	string	Insurer-assigned claim number.
record.incidentDate	string	Date of the incident (YYYY-MM-DD).
record.filedDate	string	Date the claim was filed (YYYY-MM-DD).
record.amountClaimed	number	Amount claimed (default 0).
record.amountPaid	number	Amount paid out so far (default 0).
record.adjusterName	string	Adjuster name.
record.adjusterPhone	string	Adjuster phone number.
record.policyId	string	Type 'claim': the covering policy. Required for a claim.

Example input

{
  "record": {
    "id": "pol_auto",
    "premium": 135
  }
}

insurance_removeDeletethrough vritto_delete

Remove (archive) one policy (marked cancelled) or claim. Only for explicit removal requests: to record that a policy lapsed or a claim was settled, use insurance_change with its status. Resolve the id with insurance_find first.

Note: Set type 'claim' for a claim. A removed policy is marked cancelled.

Field	Type	Description
id	string	The record to remove.
type	one of policy, claim	Record type: 'policy' (default) an insurance policy; 'claim' a claim against a policy.
policyId	string	Older name for a policy's id.
claimId	string	Older name for a claim's id.

Insurance

Insurance Policyinsurance_policy

Insurance Policy`insurance_policy`