ACORD

ACORD Claims API

Claims inquiry, submission, and management

GitHub OpenAPI

Documentation

📖
Documentation
https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/openapi/acord-claims-api-openapi.yml

Schemas & Data

📊
JSONSchema
https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-policy-schema.json
📊
JSONSchema
https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-claim-schema.json
📊
JSONSchema
https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-party-schema.json
📊
JSONSchema
https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-coverage-schema.json
📊
JSONSchema
https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-underwriting-submission-schema.json

Other Resources

🔗
Reference
https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards

OpenAPI Specification

acord-claims-api-openapi.yml Raw ↑ 
openapi: 3.1.0
info:
  title: ACORD Next-Generation Digital Standards (NGDS) Claims API
  description: The ACORD NGDS API provides granular, transaction-centric REST/JSON standards for insurance data exchange covering underwriting, policy management, and claims administration. Based on the ACORD Object Model with JSON and YAML formats for microservices, IoT, and modern API architectures.
  version: 1.0.0
  contact:
    name: ACORD Standards
    url: https://www.acord.org/standards-architecture/acord-data-standards
  license:
    name: ACORD License
    url: https://www.acord.org
servers:
- url: https://api.insurer-internal.example.com/ngds
  description: NGDS REST API endpoint
security:
- oauth2: []
- bearerAuth: []
tags:
- name: Claims
  description: Claims inquiry, submission, and management
paths:
  /claims:
    get:
      operationId: listClaims
      summary: ACORD List Claims
      description: Retrieve a list of claims with optional filtering by policy, status, or date range.
      tags:
      - Claims
      parameters:
      - name: policyId
        in: query
        schema:
          type: string
      - name: claimNumber
        in: query
        schema:
          type: string
      - name: status
        in: query
        schema:
          type: string
          enum:
          - Open
          - Closed
          - Pending
          - Denied
          - Paid
      - name: lossDateFrom
        in: query
        schema:
          type: string
          format: date
      - name: lossDateTo
        in: query
        schema:
          type: string
          format: date
      responses:
        '200':
          description: List of claims
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ClaimList'
              examples:
                ListClaims200Example:
                  summary: Default listClaims 200 response
                  x-microcks-default: true
                  value:
                    data:
                    - {}
                    pagination:
                      page: {}
                      pageSize: {}
                      totalPages: {}
                      totalItems: {}
        '401':
          $ref: '#/components/responses/Unauthorized'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
    post:
      operationId: submitClaim
      summary: ACORD Submit a New Claim
      description: Submit a first notice of loss (FNOL) using ACORD NGDS claims transaction model.
      tags:
      - Claims
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ClaimRequest'
            examples:
              SubmitClaimRequestExample:
                summary: Default submitClaim request
                x-microcks-default: true
                value:
                  policyId: sample-value
                  lossDate: '2025-03-15'
                  lossDescription: sample-value
                  lossLocation:
                    street1: {}
                    street2: {}
                    city: {}
                    state: {}
                    postalCode: {}
                    country: {}
                  claimant:
                    partyType: {}
                    firstName: {}
                    lastName: {}
                    organizationName: {}
                    taxId: {}
                    address: {}
                    contacts: {}
                  estimatedLossAmount: 5000.0
      responses:
        '201':
          description: Claim submitted
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Claim'
              examples:
                SubmitClaim201Example:
                  summary: Default submitClaim 201 response
                  x-microcks-default: true
                  value:
                    claimId: sample-value
                    claimNumber: sample-value
                    policyId: sample-value
                    policyNumber: sample-value
                    status: Open
                    lossDate: '2025-03-15'
                    reportedDate: '2025-03-15'
                    lossDescription: sample-value
                    lossLocation:
                      street1: {}
                      street2: {}
                      city: {}
                      state: {}
                      postalCode: {}
                      country: {}
                    claimant:
                      partyId: {}
                      partyType: {}
                      firstName: {}
                      lastName: {}
                      organizationName: {}
                      taxId: {}
                      address: {}
                      contacts: {}
                    reserveAmount: 5000.0
                    paidAmount: 5000.0
                    currency: sample-value
                    createdAt: '2025-03-15T14:30:00Z'
        '400':
          $ref: '#/components/responses/BadRequest'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /claims/{claimId}:
    get:
      operationId: getClaim
      summary: ACORD Get Claim by ID
      description: Retrieve full claim details including loss information, reserves, and payment history.
      tags:
      - Claims
      parameters:
      - name: claimId
        in: path
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Claim details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Claim'
              examples:
                GetClaim200Example:
                  summary: Default getClaim 200 response
                  x-microcks-default: true
                  value:
                    claimId: sample-value
                    claimNumber: sample-value
                    policyId: sample-value
                    policyNumber: sample-value
                    status: Open
                    lossDate: '2025-03-15'
                    reportedDate: '2025-03-15'
                    lossDescription: sample-value
                    lossLocation:
                      street1: {}
                      street2: {}
                      city: {}
                      state: {}
                      postalCode: {}
                      country: {}
                    claimant:
                      partyId: {}
                      partyType: {}
                      firstName: {}
                      lastName: {}
                      organizationName: {}
                      taxId: {}
                      address: {}
                      contacts: {}
                    reserveAmount: 5000.0
                    paidAmount: 5000.0
                    currency: sample-value
                    createdAt: '2025-03-15T14:30:00Z'
        '404':
          $ref: '#/components/responses/NotFound'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    Party:
      type: object
      properties:
        partyId:
          type: string
        partyType:
          type: string
          enum:
          - Insured
          - Claimant
          - Agent
          - Broker
          - Carrier
        firstName:
          type: string
        lastName:
          type: string
        organizationName:
          type: string
        taxId:
          type: string
        address:
          $ref: '#/components/schemas/Address'
        contacts:
          type: array
          items:
            $ref: '#/components/schemas/Contact'
    ClaimRequest:
      type: object
      required:
      - policyId
      - lossDate
      - lossDescription
      properties:
        policyId:
          type: string
        lossDate:
          type: string
          format: date
        lossDescription:
          type: string
        lossLocation:
          $ref: '#/components/schemas/Address'
        claimant:
          $ref: '#/components/schemas/PartyRequest'
        estimatedLossAmount:
          type: number
    Pagination:
      type: object
      properties:
        page:
          type: integer
        pageSize:
          type: integer
        totalPages:
          type: integer
        totalItems:
          type: integer
    Address:
      type: object
      properties:
        street1:
          type: string
        street2:
          type: string
        city:
          type: string
        state:
          type: string
        postalCode:
          type: string
        country:
          type: string
          default: US
    Contact:
      type: object
      properties:
        contactType:
          type: string
          enum:
          - Phone
          - Email
          - Fax
        value:
          type: string
    Error:
      type: object
      properties:
        code:
          type: string
        message:
          type: string
        details:
          type: array
          items:
            type: string
    ClaimList:
      type: object
      properties:
        data:
          type: array
          items:
            $ref: '#/components/schemas/Claim'
        pagination:
          $ref: '#/components/schemas/Pagination'
    PartyRequest:
      type: object
      required:
      - partyType
      properties:
        partyType:
          type: string
          enum:
          - Insured
          - Claimant
          - Agent
          - Broker
          - Carrier
        firstName:
          type: string
        lastName:
          type: string
        organizationName:
          type: string
        taxId:
          type: string
        address:
          $ref: '#/components/schemas/Address'
        contacts:
          type: array
          items:
            $ref: '#/components/schemas/Contact'
    Claim:
      type: object
      properties:
        claimId:
          type: string
        claimNumber:
          type: string
        policyId:
          type: string
        policyNumber:
          type: string
        status:
          type: string
          enum:
          - Open
          - Closed
          - Pending
          - Denied
          - Paid
        lossDate:
          type: string
          format: date
        reportedDate:
          type: string
          format: date
        lossDescription:
          type: string
        lossLocation:
          $ref: '#/components/schemas/Address'
        claimant:
          $ref: '#/components/schemas/Party'
        reserveAmount:
          type: number
        paidAmount:
          type: number
        currency:
          type: string
        createdAt:
          type: string
          format: date-time
  responses:
    Unauthorized:
      description: Unauthorized - missing or invalid authentication
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Bad request - invalid input data
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    oauth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://auth.insurer-internal.example.com/oauth/token
          scopes:
            read:policies: Read policy data
            write:policies: Create and modify policies
            read:claims: Read claim data
            write:claims: Submit and update claims
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT