Qoala

Qoala is a Southeast Asian omni-channel insurtech, headquartered in Jakarta and operating across Indonesia, Malaysia, Thailand and Vietnam, that distributes personal and embedded insurance through a consumer app, an agent platform (Qoala Plus) and a partner/enterprise API. Qoala for Enterprise exposes a partner-facing REST API covering policy issuance and claim handling across travel (flight, train, bus, hotel, experience), gadget, goods, vehicle, logistics, health, credit and credit-life product lines. Policy creation is asynchronous: partners POST a quotation, receive a quotation number as acknowledgement, and are notified of the issued policy through a partner callback webhook. Authentication is by partner API key in the x-api-key header.

Qoala publishes 2 APIs on the APIs.io network: Authentication API and API Specification API. Tagged areas include Insurance, Insurtech, Embedded Insurance, Policies, and Claims.

The Qoala catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Qoala’s developer surface includes authentication, documentation, API reference, getting-started guide, support, signup flow, sandbox, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

43.3/100 developing ▬ flat Agent 59/100 agent native Full breakdown ↓
scored 2026-08-12 · rubric v0.11.0

2 APIs 2 MCP Servers

InsuranceInsurtechEmbedded InsurancePoliciesClaimsSoutheast AsiaIndonesiaFinancial ServicesPartner API

Kin Score

Kin Score How this is scored →
scored 2026-08-12 · rubric v0.11.0

Composite quality — 43.3/100 · developing

Contract Quality 14.0 / 21

Developer Ergonomics 11.4 / 17

Commercial Clarity 4.0 / 17

Operational Transparency 1.5 / 11

Governance 1.2 / 10

Discoverability 6.5 / 9

Regulatory Posture 4.8 / 15

Agent readiness — 59/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/qoala: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Qoala Authentication API

Session management for the Qoala for Enterprise platform — create an authentication session from an email and security code, and refresh it with a refresh token. Returns a JWT a...

Qoala API Specification API

Policy API documentation consist of create policy, get policy detail or status, policy cancellation and policy activation.

MCP Servers 2

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 11

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

WellKnown

LLMsTxt

MCPServer

MCPServer

AgentSkill

AgentSkill

AgentSkill

AgentSkill

AgentSkill

AgentSkill

Scroll for all 11

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

ToolCrosswalk

ToolCrosswalk

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Partners

Partners

Source (apis.yml)

aid: qoala
name: Qoala
description: 'Qoala is a Southeast Asian omni-channel insurtech, headquartered in Jakarta and operating across Indonesia,
  Malaysia, Thailand and Vietnam, that distributes personal and embedded insurance through a consumer app, an agent platform
  (Qoala Plus) and a partner/enterprise API. Qoala for Enterprise exposes a partner-facing REST API covering policy issuance
  and claim handling across travel (flight, train, bus, hotel, experience), gadget, goods, vehicle, logistics, health, credit
  and credit-life product lines. Policy creation is asynchronous: partners POST a quotation, receive a quotation number as
  acknowledgement, and are notified of the issued policy through a partner callback webhook. Authentication is by partner
  API key in the x-api-key header.'
image: https://assets.qoala.app/images/icons/qoala.png
url: https://raw.githubusercontent.com/api-evangelist/qoala/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-05'
modified: '2026-08-05'
tags:
- Insurance
- Insurtech
- Embedded Insurance
- Policies
- Claims
- Southeast Asia
- Indonesia
- Financial Services
- Partner API
apis:
- name: Qoala Authentication API
  description: Session management for the Qoala for Enterprise platform — create an authentication session from an email and
    security code, and refresh it with a refresh token. Returns a JWT access token, a refresh token and the full authenticated
    user, role and organization profile.
  humanURL: https://docs.qoala.app/reference/authentication
  baseURL: https://api.qoala.app
  tags:
  - Insurance
  - Policies
  - Claims
  - Embedded Insurance
  - Southeast Asia
  properties:
  - type: OpenAPI
    url: openapi/qoala-authentication-api-openapi.yml
  - type: Overlay
    url: overlays/qoala-authentication-api-overlay.yaml
- aid: qoala:qoala-api-specification-api
  name: Qoala API Specification API
  description: Policy API documentation consist of create policy, get policy detail or status, policy cancellation and policy
    activation.
  humanURL: https://docs.qoala.app/reference/authentication
  baseURL: https://api.qoala.app
  tags:
  - API Specification
  properties:
  - type: OpenAPI
    url: openapi/qoala-api-specification-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/qoala-agentic-access.yml
- type: DomainSecurity
  url: security/qoala-domain-security.yml
- type: Authentication
  url: authentication/qoala-authentication.yml
- type: Website
  url: https://qoala.com/
- type: DeveloperPortal
  url: https://docs.qoala.app/reference/introduction
- type: Documentation
  url: https://docs.qoala.app/reference/introduction
- type: APIReference
  url: https://docs.qoala.app/reference/api-integration
- type: GettingStarted
  url: https://docs.qoala.app/reference/introduction
- type: Authentication
  url: https://docs.qoala.app/reference/authentication
- type: Support
  url: https://www.qoala.app/id-en/faq
- type: SignUp
  url: https://www.qoala.app/id-en/account
- type: PrivacyPolicy
  url: https://www.qoala.app/id-en/privacy-notice
- type: GitHubOrganization
  url: https://github.com/qoala-engineering
- type: Partners
  url: https://www.qoala.app/id-en/partnership
- type: WellKnown
  url: well-known/qoala-well-known.yml
- type: LLMsTxt
  url: llms/qoala-llms.txt
- type: MCPServer
  url: https://docs.qoala.app/mcp
- type: MCPServer
  url: mcp/qoala-mcp.yml
- type: ToolCrosswalk
  url: mcp/qoala-tool-crosswalk.yml
- type: Conventions
  url: conventions/qoala-conventions.yml
- type: Idempotency
  url: conventions/qoala-conventions.yml
- type: ErrorCatalog
  url: errors/qoala-problem-types.yml
- type: Lifecycle
  url: lifecycle/qoala-lifecycle.yml
- type: Conformance
  url: conformance/qoala-conformance.yml
- type: Sandbox
  url: sandbox/qoala-sandbox.yml
- type: DataModel
  url: data-model/qoala-data-model.yml
- type: Webhooks
  url: asyncapi/qoala-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: AgentSkill
  url: skills/qoala-activate-gadget-policy.md
  name: Activate a Qoala gadget policy after verification
- type: AgentSkill
  url: skills/qoala-authenticate-session.md
  name: Create and refresh a Qoala Enterprise session
- type: AgentSkill
  url: skills/qoala-cancel-policy.md
  name: Cancel a Qoala policy
- type: AgentSkill
  url: skills/qoala-file-and-track-claim.md
  name: File and track a Qoala claim
- type: AgentSkill
  url: skills/qoala-issue-policy.md
  name: Issue a Qoala insurance policy (asynchronous)
x-enrichment:
  date: '2026-08-05'
  status: enriched
  artifacts_added: 50
  pass: local-v1

Qoala

Kin Score

APIs 2

Qoala Authentication API

Qoala API Specification API

MCP Servers 2

mcp

qoala-mcp.yml

Event Specifications 1

Qoala Webhooks

Security Posture 2

Qoala Authentication

Qoala Domain Security

Agentic Access 1

Qoala Agentic Access

Resources

Get Started 4

Documentation 2

Agent Surfaces 11

Design & Contract 7

Build 2

Access & Security 3

Operate 1

Commercial 1

Company 2

Source (apis.yml)