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请求地址：

环境	HTTPS请求地址
正式环境	https://openapi.alipay.com/gateway.do

公共请求参数：

参数	类型	是否必填	最大长度	描述	示例值
app_id	String	是	32	支付宝分配给开发者的应用ID	2014072300007148
method	String	是	128	接口名称	alipay.ins.auto.autoinsprod.quote.apply
format	String	否	40	仅支持JSON	JSON
charset	String	是	10	请求使用的编码格式，如utf-8,gbk,gb2312等	utf-8
sign_type	String	是	10	商户生成签名字符串所使用的签名算法类型，目前支持RSA2和RSA，推荐使用RSA2	RSA2
sign	String	是	344	商户请求参数的签名串，详见签名	详见示例
timestamp	String	是	19	发送请求的时间，格式"yyyy-MM-dd HH:mm:ss"	2014-07-24 03:07:50
version	String	是	3	调用的接口版本，固定为：1.0	1.0
auth_token	String	是	40	针对用户授权接口，获取用户相关数据时，用于标识用户授权关系。详见用户信息授权
app_auth_token	String	否	40	详见应用授权概述
biz_content	String	是	-	请求参数的集合，最大长度不限，除公共参数外所有请求参数都必须放在这个参数中传递，具体参照各产品快速接入文档

参数	类型	是否必填	最大长度	描述	示例值
enquiry_biz_id	String	必须	64	车险询价申请号	2014112611001004680073956707
force_product	InsProduct	必须	-	交强险产品信息
└ prod_code String 必填 30 产品编码;由蚂蚁保险平台分配,商户通过该产品编码投保特定的保险产品 ELEME_DELIVERY_DELAY └ prod_version String 必填 64 产品版本号 1.0006 └ prod_name String 必填 128 产品名称航空意外险 └ short_name String 必填 20 产品简称航意险 └ prod_desc String 必填 256 产品描述最高赔付262万元/份 └ is_sp Boolean 必填 10 是否标准产品 false coverages InsProdCoverage 必填 20 险种列表 └ coverage_no String 必填 32 险种编号 F0070100200000001002 └ coverage_name String 必填 126 险种名称综合意外险 └ coverage_desc String 必填 256 险种描述提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障 sum_insured InsSumInsured 必填 20 保额 └ sum_insured_type String 必填 20 保额类型;MONEY_RANGE:金额范围,MONEY_LIST:金额可选值,ENUM_VALUE:枚举值 MONEY_LIST └ default_value Number 可选 20 保额默认值;单位分 20000 └ min_value Number 特殊可选 20 保额最小值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 0 └ max_value Number 特殊可选 20 保额最大值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 100000000 └ sum_insureds Number [] 必填 20 保额列表;列表里的值单位为分,当sum_insured_type=MONEY_LIST时该值有效 50000 └ periods String [] 必填 10 可用的保障期限列表;约定“1D”代表一天，“1M”代表一个月,"1Y"代表一年 1D └ is_fixed_period Boolean 必填 10 是否定期险种 true liabilities InsLiability [] 可选 20 险种责任列表 └ liability_name String 必填 64 责任名称飞机乘客意外伤害身故 └ liability_desc String 必填 1024 责任描述在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。 sum_insured InsSumInsured 必填 20 保额 └ sum_insured_type String 必填 20 保额类型;MONEY_RANGE:金额范围,MONEY_LIST:金额可选值,ENUM_VALUE:枚举值 MONEY_LIST └ default_value Number 可选 20 保额默认值;单位分 20000 └ min_value Number 特殊可选 20 保额最小值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 0 └ max_value Number 特殊可选 20 保额最大值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 100000000 └ sum_insureds Number [] 必填 20 保额列表;列表里的值单位为分,当sum_insured_type=MONEY_LIST时该值有效 50000 └ liability_no String 可选 64 责任编码 100193 └ coverage String 可选 64 保额 1000000 └ iop String 可选 64 不计免赔 0，1，2 1 └ premium String 可选 64 责任保费 880000 options InsOption [] 可选 64 options └ coverage String 必填 64 保额key xxx └ coverage_text String 必填 64 保额value yyy └ disabled String 可选 64 是否可以编辑,0-可选; 1-不可选,不支持; 2-必选,目前不打开 0 └ liability_premium String 可选 64 责任保费 2000 └ iop_premium String 可选 64 不计免赔保费 10000 merchant InsMerchant 特殊可选 20 保险机构;当产品为标准产品时该值为空 └ name String 必填 256 机构全称众安在线财产保险股份有限公司 └ short_name String 必填 128 机构简称众安保险 └ service_phone String 可选 20 服务电话 4009999595 └ sp_code String 可选 30 标准产品编码;标准产品是不同保险公司同一类型产品的一种抽象 6120 resources InsProdResource [] 可选 20 资源项 └ key String 必填 20 资源项标识符;insMustKnow:投保须知,productTerm:产品条款,insAgreement:投保协议,insAgreementH5:投保协议H5,healthMustKnow:健康告知,announcement:重要告知,productFeature:产品特色,productFeatureDetail:产品特色详情,insTermUrl:保险条款链接,relativeFileUrl:相关文件链接,claimFlow:理赔流程,productImage:产品图片,productImageSmall:产品小图片,productIcon:产品图标,insDetail:投保详情,claimDetail:理赔详情,insDetailDigest:投保详情摘要,electronicPolicyUrl:电子保单地址. insMustKnow └ type String 必填 20 资源类型;text:文本;url:URL; text └ name String 必填 100 名称保险条款链接 └ value String 必填 1024 值 http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg tags InsProdTag [] 可选 1024 标记列表 └ tag_code String 必填 32 业务标记代码 xxxx_code └ tag_value String 必填 128 业务标记值 xxxx_value └ sales Number 特殊可选 100 产品销量，配置了销量统计的产品才会有销量信息 1000000 └ effect_date String 可选 64 起保时间，格式：yyyy-MM-dd HH:mm:ss 2017-10-10 23:00:00 └ prod_no String 可选 64 标准产品码 250 liabilities InsLiability [] 可选 64 责任信息 └ liability_name String 必填 64 责任名称飞机乘客意外伤害身故 └ liability_desc String 必填 1024 责任描述在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。 sum_insured InsSumInsured 必填 20 保额 └ sum_insured_type String 必填 20 保额类型;MONEY_RANGE:金额范围,MONEY_LIST:金额可选值,ENUM_VALUE:枚举值 MONEY_LIST └ default_value Number 可选 20 保额默认值;单位分 20000 └ min_value Number 特殊可选 20 保额最小值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 0 └ max_value Number 特殊可选 20 保额最大值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 100000000 └ sum_insureds Number [] 必填 20 保额列表;列表里的值单位为分,当sum_insured_type=MONEY_LIST时该值有效 50000 └ liability_no String 可选 64 责任编码 100193 └ coverage String 可选 64 保额 1000000 └ iop String 可选 64 不计免赔 0，1，2 1 └ premium String 可选 64 责任保费 880000 options InsOption [] 可选 64 options └ coverage String 必填 64 保额key xxx └ coverage_text String 必填 64 保额value yyy └ disabled String 可选 64 是否可以编辑,0-可选; 1-不可选,不支持; 2-必选,目前不打开 0 └ liability_premium String 可选 64 责任保费 2000 └ iop_premium String 可选 64 不计免赔保费 10000 └ total_premium String 可选 64 总保费 880000 └ real_premium String 可选 64 实付保费[优惠后的金额] 680000 └ reduce_premium String 可选 64 优惠保费 100000 └ invalid_date String 可选 64 结束时间，格式：yyyy-MM-dd HH:mm:ss 2017-09-22 16:48:48
business_product	InsProduct	必须	-	商业险产品信息
└ prod_code String 必填 30 产品编码;由蚂蚁保险平台分配,商户通过该产品编码投保特定的保险产品 ELEME_DELIVERY_DELAY └ prod_version String 必填 64 产品版本号 1.0006 └ prod_name String 必填 128 产品名称航空意外险 └ short_name String 必填 20 产品简称航意险 └ prod_desc String 必填 256 产品描述最高赔付262万元/份 └ is_sp Boolean 必填 10 是否标准产品 false coverages InsProdCoverage 必填 20 险种列表 └ coverage_no String 必填 32 险种编号 F0070100200000001002 └ coverage_name String 必填 126 险种名称综合意外险 └ coverage_desc String 必填 256 险种描述提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障 sum_insured InsSumInsured 必填 20 保额 └ sum_insured_type String 必填 20 保额类型;MONEY_RANGE:金额范围,MONEY_LIST:金额可选值,ENUM_VALUE:枚举值 MONEY_LIST └ default_value Number 可选 20 保额默认值;单位分 20000 └ min_value Number 特殊可选 20 保额最小值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 0 └ max_value Number 特殊可选 20 保额最大值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 100000000 └ sum_insureds Number [] 必填 20 保额列表;列表里的值单位为分,当sum_insured_type=MONEY_LIST时该值有效 50000 └ periods String [] 必填 10 可用的保障期限列表;约定“1D”代表一天，“1M”代表一个月,"1Y"代表一年 1D └ is_fixed_period Boolean 必填 10 是否定期险种 true liabilities InsLiability [] 可选 20 险种责任列表 └ liability_name String 必填 64 责任名称飞机乘客意外伤害身故 └ liability_desc String 必填 1024 责任描述在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。 sum_insured InsSumInsured 必填 20 保额 └ sum_insured_type String 必填 20 保额类型;MONEY_RANGE:金额范围,MONEY_LIST:金额可选值,ENUM_VALUE:枚举值 MONEY_LIST └ default_value Number 可选 20 保额默认值;单位分 20000 └ min_value Number 特殊可选 20 保额最小值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 0 └ max_value Number 特殊可选 20 保额最大值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 100000000 └ sum_insureds Number [] 必填 20 保额列表;列表里的值单位为分,当sum_insured_type=MONEY_LIST时该值有效 50000 └ liability_no String 可选 64 责任编码 100193 └ coverage String 可选 64 保额 1000000 └ iop String 可选 64 不计免赔 0，1，2 1 └ premium String 可选 64 责任保费 880000 options InsOption [] 可选 64 options └ coverage String 必填 64 保额key xxx └ coverage_text String 必填 64 保额value yyy └ disabled String 可选 64 是否可以编辑,0-可选; 1-不可选,不支持; 2-必选,目前不打开 0 └ liability_premium String 可选 64 责任保费 2000 └ iop_premium String 可选 64 不计免赔保费 10000 merchant InsMerchant 特殊可选 20 保险机构;当产品为标准产品时该值为空 └ name String 必填 256 机构全称众安在线财产保险股份有限公司 └ short_name String 必填 128 机构简称众安保险 └ service_phone String 可选 20 服务电话 4009999595 └ sp_code String 可选 30 标准产品编码;标准产品是不同保险公司同一类型产品的一种抽象 6120 resources InsProdResource [] 可选 20 资源项 └ key String 必填 20 资源项标识符;insMustKnow:投保须知,productTerm:产品条款,insAgreement:投保协议,insAgreementH5:投保协议H5,healthMustKnow:健康告知,announcement:重要告知,productFeature:产品特色,productFeatureDetail:产品特色详情,insTermUrl:保险条款链接,relativeFileUrl:相关文件链接,claimFlow:理赔流程,productImage:产品图片,productImageSmall:产品小图片,productIcon:产品图标,insDetail:投保详情,claimDetail:理赔详情,insDetailDigest:投保详情摘要,electronicPolicyUrl:电子保单地址. insMustKnow └ type String 必填 20 资源类型;text:文本;url:URL; text └ name String 必填 100 名称保险条款链接 └ value String 必填 1024 值 http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg tags InsProdTag [] 可选 1024 标记列表 └ tag_code String 必填 32 业务标记代码 xxxx_code └ tag_value String 必填 128 业务标记值 xxxx_value └ sales Number 特殊可选 100 产品销量，配置了销量统计的产品才会有销量信息 1000000 └ effect_date String 可选 64 起保时间，格式：yyyy-MM-dd HH:mm:ss 2017-10-10 23:00:00 └ prod_no String 可选 64 标准产品码 250 liabilities InsLiability [] 可选 64 责任信息 └ liability_name String 必填 64 责任名称飞机乘客意外伤害身故 └ liability_desc String 必填 1024 责任描述在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。 sum_insured InsSumInsured 必填 20 保额 └ sum_insured_type String 必填 20 保额类型;MONEY_RANGE:金额范围,MONEY_LIST:金额可选值,ENUM_VALUE:枚举值 MONEY_LIST └ default_value Number 可选 20 保额默认值;单位分 20000 └ min_value Number 特殊可选 20 保额最小值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 0 └ max_value Number 特殊可选 20 保额最大值;单位分,当sum_insured_type=MONEY_RANGE时该值有效 100000000 └ sum_insureds Number [] 必填 20 保额列表;列表里的值单位为分,当sum_insured_type=MONEY_LIST时该值有效 50000 └ liability_no String 可选 64 责任编码 100193 └ coverage String 可选 64 保额 1000000 └ iop String 可选 64 不计免赔 0，1，2 1 └ premium String 可选 64 责任保费 880000 options InsOption [] 可选 64 options └ coverage String 必填 64 保额key xxx └ coverage_text String 必填 64 保额value yyy └ disabled String 可选 64 是否可以编辑,0-可选; 1-不可选,不支持; 2-必选,目前不打开 0 └ liability_premium String 可选 64 责任保费 2000 └ iop_premium String 可选 64 不计免赔保费 10000 └ total_premium String 可选 64 总保费 880000 └ real_premium String 可选 64 实付保费[优惠后的金额] 680000 └ reduce_premium String 可选 64 优惠保费 100000 └ invalid_date String 可选 64 结束时间，格式：yyyy-MM-dd HH:mm:ss 2017-09-22 16:48:48
quote_type	String	必须	8	报价类型 1-微调，0-套餐	1
check_type	String	必须	8	验证类型 0-不需要、1-江苏验证码、2-中保信验证码	0
company_id	String	可选	64	机构编码当微调报价时必传，当需要图片验证码时必传	xxxx
check_code	String	可选	64	用户录入验证码,当需要图片验证码时必传	xxx
check_code_id	String	可选	64	验证码对应id 当需要图片验证码时必传	xxx

参数	类型	是否必填	最大长度	描述	示例值
code	String	是	-	网关返回码,详见文档	40004
msg	String	是	-	网关返回码描述,详见文档	Business Failed
sub_code	String	否	-	业务返回码,详见文档	ACQ.TRADE_HAS_SUCCESS
sub_msg	String	否	-	业务返回码描述,详见文档	交易已被支付
sign	String	是	-	签名,详见文档	DZXh8eeTuAHoYE3w1J+POiPhfDxOYBfUNn1lkeT/V7P4zJdyojWEa6IZs6Hz0yDW5Cp/viufUb5I0/V5WENS3OYR8zRedqo6D+fUTdLHdc+EFyCkiQhBxIzgngPdPdfp1PIS7BdhhzrsZHbRqb7o4k3Dxc+AAnFauu4V6Zdwczo=

参数	类型	是否必填	最大长度	描述	示例值
enquiry_biz_id	String	必填	64	车险询价申请号	2014112611001004680073956707
quote_infos	QuoteInfo []	必填	-	报价返回信息
└ quote_biz_id String 必填 64 报价ID 2014112611001004680073956707 └ company_id String 必填 64 238810000000049704774 238810000000049704774

JAVA
.NET
PHP
HTTP请求源码

AlipayClient alipayClient = new DefaultAlipayClient("https://openapi.alipay.com/gateway.do","app_id","your private_key","json","GBK","alipay_public_key","RSA2");
AlipayInsAutoAutoinsprodQuoteApplyRequest request = new AlipayInsAutoAutoinsprodQuoteApplyRequest();
request.setBizContent("{" +
"\"enquiry_biz_id\":\"2014112611001004680073956707\"," +
"\"force_product\":{" +
"\"prod_code\":\"ELEME_DELIVERY_DELAY\"," +
"\"prod_version\":\"1.0006\"," +
"\"prod_name\":\"航空意外险\"," +
"\"short_name\":\"航意险\"," +
"\"prod_desc\":\"最高赔付262万元/份\"," +
"\"is_sp\":false," +
"\"coverages\":{" +
"\"coverage_no\":\"F0070100200000001002\"," +
"\"coverage_name\":\"综合意外险\"," +
"\"coverage_desc\":\"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"            \"sum_insureds\":[" +
"              50000" +
"            ]" +
"        }," +
"          \"periods\":[" +
"            \"1D\"" +
"          ]," +
"\"is_fixed_period\":true," +
"          \"liabilities\":[{" +
"            \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"                \"sum_insureds\":[" +
"                  50000" +
"                ]" +
"            }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"              \"options\":[{" +
"                \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"                }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"            }]" +
"      }," +
"\"merchant\":{" +
"\"name\":\"众安在线财产保险股份有限公司\"," +
"\"short_name\":\"众安保险\"," +
"\"service_phone\":\"4009999595\"" +
"      }," +
"\"sp_code\":\"6120\"," +
"        \"resources\":[{" +
"          \"key\":\"insMustKnow\"," +
"\"type\":\"text\"," +
"\"name\":\"保险条款链接\"," +
"\"value\":\"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg\"" +
"          }]," +
"        \"tags\":[{" +
"          \"tag_code\":\"xxxx_code\"," +
"\"tag_value\":\"xxxx_value\"" +
"          }]," +
"\"sales\":1000000," +
"\"effect_date\":\"2017-10-10 23:00:00\"," +
"\"prod_no\":\"250\"," +
"        \"liabilities\":[{" +
"          \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"              \"sum_insureds\":[" +
"                50000" +
"              ]" +
"          }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"            \"options\":[{" +
"              \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"              }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"          }]," +
"\"total_premium\":\"880000\"," +
"\"real_premium\":\"680000\"," +
"\"reduce_premium\":\"100000\"," +
"\"invalid_date\":\"2017-09-22 16:48:48\"" +
"    }," +
"\"business_product\":{" +
"\"prod_code\":\"ELEME_DELIVERY_DELAY\"," +
"\"prod_version\":\"1.0006\"," +
"\"prod_name\":\"航空意外险\"," +
"\"short_name\":\"航意险\"," +
"\"prod_desc\":\"最高赔付262万元/份\"," +
"\"is_sp\":false," +
"\"coverages\":{" +
"\"coverage_no\":\"F0070100200000001002\"," +
"\"coverage_name\":\"综合意外险\"," +
"\"coverage_desc\":\"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"            \"sum_insureds\":[" +
"              50000" +
"            ]" +
"        }," +
"          \"periods\":[" +
"            \"1D\"" +
"          ]," +
"\"is_fixed_period\":true," +
"          \"liabilities\":[{" +
"            \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"                \"sum_insureds\":[" +
"                  50000" +
"                ]" +
"            }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"              \"options\":[{" +
"                \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"                }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"            }]" +
"      }," +
"\"merchant\":{" +
"\"name\":\"众安在线财产保险股份有限公司\"," +
"\"short_name\":\"众安保险\"," +
"\"service_phone\":\"4009999595\"" +
"      }," +
"\"sp_code\":\"6120\"," +
"        \"resources\":[{" +
"          \"key\":\"insMustKnow\"," +
"\"type\":\"text\"," +
"\"name\":\"保险条款链接\"," +
"\"value\":\"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg\"" +
"          }]," +
"        \"tags\":[{" +
"          \"tag_code\":\"xxxx_code\"," +
"\"tag_value\":\"xxxx_value\"" +
"          }]," +
"\"sales\":1000000," +
"\"effect_date\":\"2017-10-10 23:00:00\"," +
"\"prod_no\":\"250\"," +
"        \"liabilities\":[{" +
"          \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"              \"sum_insureds\":[" +
"                50000" +
"              ]" +
"          }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"            \"options\":[{" +
"              \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"              }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"          }]," +
"\"total_premium\":\"880000\"," +
"\"real_premium\":\"680000\"," +
"\"reduce_premium\":\"100000\"," +
"\"invalid_date\":\"2017-09-22 16:48:48\"" +
"    }," +
"\"quote_type\":\"1\"," +
"\"check_type\":\"0\"," +
"\"company_id\":\"xxxx\"," +
"\"check_code\":\"xxx\"," +
"\"check_code_id\":\"xxx\"" +
"  }");
AlipayInsAutoAutoinsprodQuoteApplyResponse response = alipayClient.execute(request,accessToken);
if(response.isSuccess()){
System.out.println("调用成功");
} else {
System.out.println("调用失败");
}

IAopClient client = new DefaultAopClient("https://openapi.alipay.com/gateway.do", "app_id", "merchant_private_key", "json", "1.0", "RSA2", "alipay_public_key", "GBK", false);
AlipayInsAutoAutoinsprodQuoteApplyRequest  request= new AlipayInsAutoAutoinsprodQuoteApplyRequest() ;
request.BizContent="{" +
"\"enquiry_biz_id\":\"2014112611001004680073956707\"," +
"\"force_product\":{" +
"\"prod_code\":\"ELEME_DELIVERY_DELAY\"," +
"\"prod_version\":\"1.0006\"," +
"\"prod_name\":\"航空意外险\"," +
"\"short_name\":\"航意险\"," +
"\"prod_desc\":\"最高赔付262万元/份\"," +
"\"is_sp\":false," +
"\"coverages\":{" +
"\"coverage_no\":\"F0070100200000001002\"," +
"\"coverage_name\":\"综合意外险\"," +
"\"coverage_desc\":\"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"            \"sum_insureds\":[" +
"              50000" +
"            ]" +
"        }," +
"          \"periods\":[" +
"            \"1D\"" +
"          ]," +
"\"is_fixed_period\":true," +
"          \"liabilities\":[{" +
"            \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"                \"sum_insureds\":[" +
"                  50000" +
"                ]" +
"            }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"              \"options\":[{" +
"                \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"                }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"            }]" +
"      }," +
"\"merchant\":{" +
"\"name\":\"众安在线财产保险股份有限公司\"," +
"\"short_name\":\"众安保险\"," +
"\"service_phone\":\"4009999595\"" +
"      }," +
"\"sp_code\":\"6120\"," +
"        \"resources\":[{" +
"          \"key\":\"insMustKnow\"," +
"\"type\":\"text\"," +
"\"name\":\"保险条款链接\"," +
"\"value\":\"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg\"" +
"          }]," +
"        \"tags\":[{" +
"          \"tag_code\":\"xxxx_code\"," +
"\"tag_value\":\"xxxx_value\"" +
"          }]," +
"\"sales\":1000000," +
"\"effect_date\":\"2017-10-10 23:00:00\"," +
"\"prod_no\":\"250\"," +
"        \"liabilities\":[{" +
"          \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"              \"sum_insureds\":[" +
"                50000" +
"              ]" +
"          }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"            \"options\":[{" +
"              \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"              }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"          }]," +
"\"total_premium\":\"880000\"," +
"\"real_premium\":\"680000\"," +
"\"reduce_premium\":\"100000\"," +
"\"invalid_date\":\"2017-09-22 16:48:48\"" +
"    }," +
"\"business_product\":{" +
"\"prod_code\":\"ELEME_DELIVERY_DELAY\"," +
"\"prod_version\":\"1.0006\"," +
"\"prod_name\":\"航空意外险\"," +
"\"short_name\":\"航意险\"," +
"\"prod_desc\":\"最高赔付262万元/份\"," +
"\"is_sp\":false," +
"\"coverages\":{" +
"\"coverage_no\":\"F0070100200000001002\"," +
"\"coverage_name\":\"综合意外险\"," +
"\"coverage_desc\":\"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"            \"sum_insureds\":[" +
"              50000" +
"            ]" +
"        }," +
"          \"periods\":[" +
"            \"1D\"" +
"          ]," +
"\"is_fixed_period\":true," +
"          \"liabilities\":[{" +
"            \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"                \"sum_insureds\":[" +
"                  50000" +
"                ]" +
"            }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"              \"options\":[{" +
"                \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"                }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"            }]" +
"      }," +
"\"merchant\":{" +
"\"name\":\"众安在线财产保险股份有限公司\"," +
"\"short_name\":\"众安保险\"," +
"\"service_phone\":\"4009999595\"" +
"      }," +
"\"sp_code\":\"6120\"," +
"        \"resources\":[{" +
"          \"key\":\"insMustKnow\"," +
"\"type\":\"text\"," +
"\"name\":\"保险条款链接\"," +
"\"value\":\"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg\"" +
"          }]," +
"        \"tags\":[{" +
"          \"tag_code\":\"xxxx_code\"," +
"\"tag_value\":\"xxxx_value\"" +
"          }]," +
"\"sales\":1000000," +
"\"effect_date\":\"2017-10-10 23:00:00\"," +
"\"prod_no\":\"250\"," +
"        \"liabilities\":[{" +
"          \"liability_name\":\"飞机乘客意外伤害身故\"," +
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," +
"\"sum_insured\":{" +
"\"sum_insured_type\":\"MONEY_LIST\"," +
"\"default_value\":20000," +
"\"min_value\":0," +
"\"max_value\":100000000," +
"              \"sum_insureds\":[" +
"                50000" +
"              ]" +
"          }," +
"\"liability_no\":\"100193\"," +
"\"coverage\":\"1000000\"," +
"\"iop\":\"1\"," +
"\"premium\":\"880000\"," +
"            \"options\":[{" +
"              \"coverage\":\"xxx\"," +
"\"coverage_text\":\"yyy\"" +
"              }]," +
"\"disabled\":\"0\"," +
"\"liability_premium\":\"2000\"," +
"\"iop_premium\":\"10000\"" +
"          }]," +
"\"total_premium\":\"880000\"," +
"\"real_premium\":\"680000\"," +
"\"reduce_premium\":\"100000\"," +
"\"invalid_date\":\"2017-09-22 16:48:48\"" +
"    }," +
"\"quote_type\":\"1\"," +
"\"check_type\":\"0\"," +
"\"company_id\":\"xxxx\"," +
"\"check_code\":\"xxx\"," +
"\"check_code_id\":\"xxx\"" +
"  }";
AlipayInsAutoAutoinsprodQuoteApplyResponse response=client.execute(request,accessToken);
Console.WriteLine(response.Body);

$aop = new AopClient ();
$aop->gatewayUrl = 'https://openapi.alipay.com/gateway.do';
$aop->appId = 'your app_id';
$aop->rsaPrivateKey = '请填写开发者私钥去头去尾去回车，一行字符串';
$aop->alipayrsaPublicKey='请填写支付宝公钥，一行字符串';
$aop->apiVersion = '1.0';
$aop->signType = 'RSA2';
$aop->postCharset='GBK';
$aop->format='json';
$request = new AlipayInsAutoAutoinsprodQuoteApplyRequest ();
$request->setBizContent("{" .
"\"enquiry_biz_id\":\"2014112611001004680073956707\"," .
"\"force_product\":{" .
"\"prod_code\":\"ELEME_DELIVERY_DELAY\"," .
"\"prod_version\":\"1.0006\"," .
"\"prod_name\":\"航空意外险\"," .
"\"short_name\":\"航意险\"," .
"\"prod_desc\":\"最高赔付262万元/份\"," .
"\"is_sp\":false," .
"\"coverages\":{" .
"\"coverage_no\":\"F0070100200000001002\"," .
"\"coverage_name\":\"综合意外险\"," .
"\"coverage_desc\":\"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障\"," .
"\"sum_insured\":{" .
"\"sum_insured_type\":\"MONEY_LIST\"," .
"\"default_value\":20000," .
"\"min_value\":0," .
"\"max_value\":100000000," .
"            \"sum_insureds\":[" .
"              50000" .
"            ]" .
"        }," .
"          \"periods\":[" .
"            \"1D\"" .
"          ]," .
"\"is_fixed_period\":true," .
"          \"liabilities\":[{" .
"            \"liability_name\":\"飞机乘客意外伤害身故\"," .
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," .
"\"sum_insured\":{" .
"\"sum_insured_type\":\"MONEY_LIST\"," .
"\"default_value\":20000," .
"\"min_value\":0," .
"\"max_value\":100000000," .
"                \"sum_insureds\":[" .
"                  50000" .
"                ]" .
"            }," .
"\"liability_no\":\"100193\"," .
"\"coverage\":\"1000000\"," .
"\"iop\":\"1\"," .
"\"premium\":\"880000\"," .
"              \"options\":[{" .
"                \"coverage\":\"xxx\"," .
"\"coverage_text\":\"yyy\"" .
"                }]," .
"\"disabled\":\"0\"," .
"\"liability_premium\":\"2000\"," .
"\"iop_premium\":\"10000\"" .
"            }]" .
"      }," .
"\"merchant\":{" .
"\"name\":\"众安在线财产保险股份有限公司\"," .
"\"short_name\":\"众安保险\"," .
"\"service_phone\":\"4009999595\"" .
"      }," .
"\"sp_code\":\"6120\"," .
"        \"resources\":[{" .
"          \"key\":\"insMustKnow\"," .
"\"type\":\"text\"," .
"\"name\":\"保险条款链接\"," .
"\"value\":\"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg\"" .
"          }]," .
"        \"tags\":[{" .
"          \"tag_code\":\"xxxx_code\"," .
"\"tag_value\":\"xxxx_value\"" .
"          }]," .
"\"sales\":1000000," .
"\"effect_date\":\"2017-10-10 23:00:00\"," .
"\"prod_no\":\"250\"," .
"        \"liabilities\":[{" .
"          \"liability_name\":\"飞机乘客意外伤害身故\"," .
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," .
"\"sum_insured\":{" .
"\"sum_insured_type\":\"MONEY_LIST\"," .
"\"default_value\":20000," .
"\"min_value\":0," .
"\"max_value\":100000000," .
"              \"sum_insureds\":[" .
"                50000" .
"              ]" .
"          }," .
"\"liability_no\":\"100193\"," .
"\"coverage\":\"1000000\"," .
"\"iop\":\"1\"," .
"\"premium\":\"880000\"," .
"            \"options\":[{" .
"              \"coverage\":\"xxx\"," .
"\"coverage_text\":\"yyy\"" .
"              }]," .
"\"disabled\":\"0\"," .
"\"liability_premium\":\"2000\"," .
"\"iop_premium\":\"10000\"" .
"          }]," .
"\"total_premium\":\"880000\"," .
"\"real_premium\":\"680000\"," .
"\"reduce_premium\":\"100000\"," .
"\"invalid_date\":\"2017-09-22 16:48:48\"" .
"    }," .
"\"business_product\":{" .
"\"prod_code\":\"ELEME_DELIVERY_DELAY\"," .
"\"prod_version\":\"1.0006\"," .
"\"prod_name\":\"航空意外险\"," .
"\"short_name\":\"航意险\"," .
"\"prod_desc\":\"最高赔付262万元/份\"," .
"\"is_sp\":false," .
"\"coverages\":{" .
"\"coverage_no\":\"F0070100200000001002\"," .
"\"coverage_name\":\"综合意外险\"," .
"\"coverage_desc\":\"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障\"," .
"\"sum_insured\":{" .
"\"sum_insured_type\":\"MONEY_LIST\"," .
"\"default_value\":20000," .
"\"min_value\":0," .
"\"max_value\":100000000," .
"            \"sum_insureds\":[" .
"              50000" .
"            ]" .
"        }," .
"          \"periods\":[" .
"            \"1D\"" .
"          ]," .
"\"is_fixed_period\":true," .
"          \"liabilities\":[{" .
"            \"liability_name\":\"飞机乘客意外伤害身故\"," .
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," .
"\"sum_insured\":{" .
"\"sum_insured_type\":\"MONEY_LIST\"," .
"\"default_value\":20000," .
"\"min_value\":0," .
"\"max_value\":100000000," .
"                \"sum_insureds\":[" .
"                  50000" .
"                ]" .
"            }," .
"\"liability_no\":\"100193\"," .
"\"coverage\":\"1000000\"," .
"\"iop\":\"1\"," .
"\"premium\":\"880000\"," .
"              \"options\":[{" .
"                \"coverage\":\"xxx\"," .
"\"coverage_text\":\"yyy\"" .
"                }]," .
"\"disabled\":\"0\"," .
"\"liability_premium\":\"2000\"," .
"\"iop_premium\":\"10000\"" .
"            }]" .
"      }," .
"\"merchant\":{" .
"\"name\":\"众安在线财产保险股份有限公司\"," .
"\"short_name\":\"众安保险\"," .
"\"service_phone\":\"4009999595\"" .
"      }," .
"\"sp_code\":\"6120\"," .
"        \"resources\":[{" .
"          \"key\":\"insMustKnow\"," .
"\"type\":\"text\"," .
"\"name\":\"保险条款链接\"," .
"\"value\":\"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg\"" .
"          }]," .
"        \"tags\":[{" .
"          \"tag_code\":\"xxxx_code\"," .
"\"tag_value\":\"xxxx_value\"" .
"          }]," .
"\"sales\":1000000," .
"\"effect_date\":\"2017-10-10 23:00:00\"," .
"\"prod_no\":\"250\"," .
"        \"liabilities\":[{" .
"          \"liability_name\":\"飞机乘客意外伤害身故\"," .
"\"liability_desc\":\"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。\"," .
"\"sum_insured\":{" .
"\"sum_insured_type\":\"MONEY_LIST\"," .
"\"default_value\":20000," .
"\"min_value\":0," .
"\"max_value\":100000000," .
"              \"sum_insureds\":[" .
"                50000" .
"              ]" .
"          }," .
"\"liability_no\":\"100193\"," .
"\"coverage\":\"1000000\"," .
"\"iop\":\"1\"," .
"\"premium\":\"880000\"," .
"            \"options\":[{" .
"              \"coverage\":\"xxx\"," .
"\"coverage_text\":\"yyy\"" .
"              }]," .
"\"disabled\":\"0\"," .
"\"liability_premium\":\"2000\"," .
"\"iop_premium\":\"10000\"" .
"          }]," .
"\"total_premium\":\"880000\"," .
"\"real_premium\":\"680000\"," .
"\"reduce_premium\":\"100000\"," .
"\"invalid_date\":\"2017-09-22 16:48:48\"" .
"    }," .
"\"quote_type\":\"1\"," .
"\"check_type\":\"0\"," .
"\"company_id\":\"xxxx\"," .
"\"check_code\":\"xxx\"," .
"\"check_code_id\":\"xxx\"" .
"  }");
$result = $aop->execute ( $request , $accessToken ); 

$responseNode = str_replace(".", "_", $request->getApiMethodName()) . "_response";
$resultCode = $result->$responseNode->code;
if(!empty($resultCode)&&$resultCode == 10000){
echo "成功";
} else {
echo "失败";
}

https://openapi.alipay.com/gateway.do?timestamp=2013-01-01 08:08:08&method=alipay.ins.auto.autoinsprod.quote.apply&app_id=5265&sign_type=RSA2&sign=ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE&version=1.0&auth_token=20130319e9b8d53d09034da8998caefa756c4006&biz_content=
  {
"enquiry_biz_id":"2014112611001004680073956707",
"force_product":{
"prod_code":"ELEME_DELIVERY_DELAY",
"prod_version":"1.0006",
"prod_name":"航空意外险",
"short_name":"航意险",
"prod_desc":"最高赔付262万元/份",
"is_sp":false,
"coverages":{
"coverage_no":"F0070100200000001002",
"coverage_name":"综合意外险",
"coverage_desc":"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障",
"sum_insured":{
"sum_insured_type":"MONEY_LIST",
"default_value":20000,
"min_value":0,
"max_value":100000000,
            "sum_insureds":[
              50000
            ]
        },
          "periods":[
            "1D"
          ],
"is_fixed_period":true,
          "liabilities":[{
            "liability_name":"飞机乘客意外伤害身故",
"liability_desc":"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。",
"sum_insured":{
"sum_insured_type":"MONEY_LIST",
"default_value":20000,
"min_value":0,
"max_value":100000000,
                "sum_insureds":[
                  50000
                ]
            },
"liability_no":"100193",
"coverage":"1000000",
"iop":"1",
"premium":"880000",
              "options":[{
                "coverage":"xxx",
"coverage_text":"yyy"
                }],
"disabled":"0",
"liability_premium":"2000",
"iop_premium":"10000"
            }]
      },
"merchant":{
"name":"众安在线财产保险股份有限公司",
"short_name":"众安保险",
"service_phone":"4009999595"
      },
"sp_code":"6120",
        "resources":[{
          "key":"insMustKnow",
"type":"text",
"name":"保险条款链接",
"value":"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg"
          }],
        "tags":[{
          "tag_code":"xxxx_code",
"tag_value":"xxxx_value"
          }],
"sales":1000000,
"effect_date":"2017-10-10 23:00:00",
"prod_no":"250",
        "liabilities":[{
          "liability_name":"飞机乘客意外伤害身故",
"liability_desc":"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。",
"sum_insured":{
"sum_insured_type":"MONEY_LIST",
"default_value":20000,
"min_value":0,
"max_value":100000000,
              "sum_insureds":[
                50000
              ]
          },
"liability_no":"100193",
"coverage":"1000000",
"iop":"1",
"premium":"880000",
            "options":[{
              "coverage":"xxx",
"coverage_text":"yyy"
              }],
"disabled":"0",
"liability_premium":"2000",
"iop_premium":"10000"
          }],
"total_premium":"880000",
"real_premium":"680000",
"reduce_premium":"100000",
"invalid_date":"2017-09-22 16:48:48"
    },
"business_product":{
"prod_code":"ELEME_DELIVERY_DELAY",
"prod_version":"1.0006",
"prod_name":"航空意外险",
"short_name":"航意险",
"prod_desc":"最高赔付262万元/份",
"is_sp":false,
"coverages":{
"coverage_no":"F0070100200000001002",
"coverage_name":"综合意外险",
"coverage_desc":"提供乘坐飞机交通工具的意外伤害身故、残疾及医疗保障",
"sum_insured":{
"sum_insured_type":"MONEY_LIST",
"default_value":20000,
"min_value":0,
"max_value":100000000,
            "sum_insureds":[
              50000
            ]
        },
          "periods":[
            "1D"
          ],
"is_fixed_period":true,
          "liabilities":[{
            "liability_name":"飞机乘客意外伤害身故",
"liability_desc":"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。",
"sum_insured":{
"sum_insured_type":"MONEY_LIST",
"default_value":20000,
"min_value":0,
"max_value":100000000,
                "sum_insureds":[
                  50000
                ]
            },
"liability_no":"100193",
"coverage":"1000000",
"iop":"1",
"premium":"880000",
              "options":[{
                "coverage":"xxx",
"coverage_text":"yyy"
                }],
"disabled":"0",
"liability_premium":"2000",
"iop_premium":"10000"
            }]
      },
"merchant":{
"name":"众安在线财产保险股份有限公司",
"short_name":"众安保险",
"service_phone":"4009999595"
      },
"sp_code":"6120",
        "resources":[{
          "key":"insMustKnow",
"type":"text",
"name":"保险条款链接",
"value":"http://img02.taobaocdn.com/imgextra/i2/1124082407/TB288ERaFXXXXX_XpXXXXXXXXXX_!!1124082407.jpg"
          }],
        "tags":[{
          "tag_code":"xxxx_code",
"tag_value":"xxxx_value"
          }],
"sales":1000000,
"effect_date":"2017-10-10 23:00:00",
"prod_no":"250",
        "liabilities":[{
          "liability_name":"飞机乘客意外伤害身故",
"liability_desc":"在保险期间内，如果被保险人持有效客票乘坐合法经营客运业务的民航班机自通过机场安全检查时起至抵达目的地走出民航班机的舱门止遭受意外伤害事故导致身故的，本公司一次性给付身故保险金260万元，保险责任终止。",
"sum_insured":{
"sum_insured_type":"MONEY_LIST",
"default_value":20000,
"min_value":0,
"max_value":100000000,
              "sum_insureds":[
                50000
              ]
          },
"liability_no":"100193",
"coverage":"1000000",
"iop":"1",
"premium":"880000",
            "options":[{
              "coverage":"xxx",
"coverage_text":"yyy"
              }],
"disabled":"0",
"liability_premium":"2000",
"iop_premium":"10000"
          }],
"total_premium":"880000",
"real_premium":"680000",
"reduce_premium":"100000",
"invalid_date":"2017-09-22 16:48:48"
    },
"quote_type":"1",
"check_type":"0",
"company_id":"xxxx",
"check_code":"xxx",
"check_code_id":"xxx"
  }

//为确保安全通信，需自行验证响应示例中的sign值是否为蚂蚁金服所提供。

JSON示例

{
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE",
	"alipay_ins_auto_autoinsprod_quote_apply_response":{
		"msg":"Success",
		"code":"10000",
		"quote_infos":[
			{
				"company_id":"238810000000049704774",
				"quote_biz_id":"2014112611001004680073956707"
			}
		],
		"enquiry_biz_id":"2014112611001004680073956707"
	}
}

JSON示例

{
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE",
	"alipay_ins_auto_autoinsprod_quote_apply_response":{
		"msg":"Service Currently Unavailable",
		"code":"20000",
		"sub_msg":"系统繁忙",
		"sub_code":"isp.unknow-error"
	}
}

错误码	错误描述	解决方案
SYSTEM_ERROR	系统繁忙	系统内部错误
PARAM_ERROR	入参错误	入参错误
NAME_NOT_REAL	用户未实名	用户未实名
NOT_LOGIN	用户不存在	用户不存在
QUOTE_UNABLE_AREA	暂不支持当前地区投保，敬请谅解！	暂不支持当前地区投保，敬请谅解！
AUTO_IMG_JS_CODE	需要输入江苏交管平台验证码	需要输入江苏交管平台验证码

公共错误码

开放平台

保险API

alipay.ins.auto.autoinsprod.quote.apply (报价申请接口)

公共参数

请求参数

公共响应参数

响应参数

请求示例

响应示例

异常示例

业务错误码

公共错误码