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请求地址：

环境	HTTP请求地址	HTTPS请求地址
正式环境	http://gw.api.taobao.com/router/rest	https://eco.taobao.com/router/rest

公共请求参数：

名称	类型	是否必须	描述
method	String	是	API接口名称。
app_key	String	是	TOP分配给应用的AppKey。
target_app_key	String	否	被调用的目标AppKey，仅当被调用的API为第三方ISV提供时有效。
sign_method	String	是	签名的摘要算法，可选值为：hmac，md5。
sign	String	是	API输入参数签名结果，签名算法介绍请点击这里。
session	String	否	用户登录授权成功后，TOP颁发给应用的授权信息，详细介绍请点击这里。当此API的标签上注明：“需要授权”，则此参数必传；“不需要授权”，则此参数不需要传；“可选授权”，则此参数为可选。
timestamp	String	是	时间戳，格式为yyyy-MM-dd HH:mm:ss，时区为GMT+8，例如：2015-01-01 12:00:00。淘宝API服务端允许客户端请求最大时间误差为10分钟。
format	String	否	响应格式。默认为xml格式，可选值：xml，json。
v	String	是	API协议版本，可选值：2.0。
partner_id	String	否	合作伙伴身份标识。
simplify	Boolean	否	是否采用精简JSON返回格式，仅当format=json时有效，默认值为：false。

名称	类型	是否必须	示例值	更多限制	描述
create_order_request	CreateOrderRequest	必须			创单请求
└ identifier String 必须 xxx 幂等号 └ order_id String 必须 xxx 保司订单号 └ total_guaranteed_amount String 必须 100 总保额，单位元 └ effective_time Date 必须 2026-01-01 10:00:00 订单上保单生效时间，如果是多保单，取最早时间 policy_list Policy [] 必须保单列表 └ correlation_policy_no String 可选 xxx 关联保单号赠险保单号或被续保的保单号 └ fee_amount String 必须 10.00 单笔保单总保费，单位元，2位小数 └ actual_received_amount String 必须 10.00 单笔保单实收保费，单位元，2位小数 └ effective_time Date 必须 2026-01-01 10:00:00 保单生效时间 └ expiration_time Date 必须 2026-01-01 10:00:00 保单失效时间 └ is_renew_policy Boolean 可选 false 是否为续保单 └ policy_no String 必须 xxx 保司保单号 └ is_support_renew Boolean 可选 false 本单是否勾选了续保 └ plan String 可选 xxx 保险方案名称 └ guaranteed_amount String 必须 10.00 单笔保单保额，单位元，2位小数 └ is_selected_commercial Boolean 可选 false 本单是否勾选了转商，仅赠险转商险时传入 └ total_actual_received_amount String 必须 100.00 订单实收保费（期缴传创单时实际支付总保费） └ total_fee_amount String 必须 10.00 订单总应收保费，单位：元，2位小数 └ out_user_id String 必须 xxx 小程序获取的 openid └ payment_type String 必须 monthly 缴费方式,single:趸缴;monthly:月缴 └ item_id String 必须 xxx 淘宝商品id └ sub_product String 可选 xxx 子产品码，保司险种识别，对接时约定 └ institution String 必须 xx 保司的标识码，对接时约定 └ total_installments Number 必须 1 缴费总期数, 趸缴传1 └ product_code String 必须 xxx 保司产品在手淘的唯一标识，由淘天分配 └ expiration_time Date 必须 2027-01-01 10:00:00 订单上保单失效时间，如果是多保单，取最晚时间 └ attributes String 可选 {"spm":"xxx"} 从链接中获取到的参数通过这里传递 └ apply_time Date 必须 2026-01-01 10:00:00 订单创建时间 └ tenant String 必须 DTAO 租户

名称	类型	示例值	描述
is_success	Boolean	true	接口成功
response_code	String	SUCCESS	错误码
response_msg	String	参数异常	错误原因描述

JAVA
.NET
PHP
CURL
Python
C/C++
NodeJS

TaobaoClient client = new DefaultTaobaoClient(url, appkey, secret);
AlibabaFinanceInsuranceCreateorderRequest req = new AlibabaFinanceInsuranceCreateorderRequest();
AlibabaFinanceInsuranceCreateorderRequest.CreateOrderRequest obj1 = new AlibabaFinanceInsuranceCreateorderRequest.CreateOrderRequest();
obj1.setIdentifier("xxx");
obj1.setOrderId("xxx");
obj1.setTotalGuaranteedAmount("100");
obj1.setEffectiveTime(StringUtils.parseDateTime("2026-01-01 10:00:00"));
List<AlibabaFinanceInsuranceCreateorderRequest.Policy> list3 = new ArrayList<AlibabaFinanceInsuranceCreateorderRequest.Policy>();
AlibabaFinanceInsuranceCreateorderRequest.Policy obj4 = new AlibabaFinanceInsuranceCreateorderRequest.Policy();
list3.add(obj4);
obj4.setCorrelationPolicyNo("xxx");
obj4.setFeeAmount("10.00");
obj4.setActualReceivedAmount("10.00");
obj4.setEffectiveTime(StringUtils.parseDateTime("2026-01-01 10:00:00"));
obj4.setExpirationTime(StringUtils.parseDateTime("2026-01-01 10:00:00"));
obj4.setIsRenewPolicy(false);
obj4.setPolicyNo("xxx");
obj4.setIsSupportRenew(false);
obj4.setPlan("xxx");
obj4.setGuaranteedAmount("10.00");
obj4.setIsSelectedCommercial(false);
obj1.setPolicyList(list3);
obj1.setTotalActualReceivedAmount("100.00");
obj1.setTotalFeeAmount("10.00");
obj1.setOutUserId("xxx");
obj1.setPaymentType("monthly");
obj1.setItemId("xxx");
obj1.setSubProduct("xxx");
obj1.setInstitution("xx");
obj1.setTotalInstallments(1L);
obj1.setProductCode("xxx");
obj1.setExpirationTime(StringUtils.parseDateTime("2027-01-01 10:00:00"));
obj1.setAttributes("{\"spm\":\"xxx\"}");
obj1.setApplyTime(StringUtils.parseDateTime("2026-01-01 10:00:00"));
obj1.setTenant("DTAO");
req.setCreateOrderRequest(obj1);
AlibabaFinanceInsuranceCreateorderResponse rsp = client.execute(req);
System.out.println(rsp.getBody());

ITopClient client = new DefaultTopClient(url, appkey, secret);
AlibabaFinanceInsuranceCreateorderRequest req = new AlibabaFinanceInsuranceCreateorderRequest();
AlibabaFinanceInsuranceCreateorderRequest.CreateOrderRequestDomain obj1 = new AlibabaFinanceInsuranceCreateorderRequest.CreateOrderRequestDomain();
obj1.Identifier = "xxx";
obj1.OrderId = "xxx";
obj1.TotalGuaranteedAmount = "100";
obj1.EffectiveTime = DateTime.Parse(2026-01-01 10:00:00");
List<AlibabaFinanceInsuranceCreateorderRequest.PolicyDomain> list3 = new List<AlibabaFinanceInsuranceCreateorderRequest.PolicyDomain>();
AlibabaFinanceInsuranceCreateorderRequest.PolicyDomain obj4 = new AlibabaFinanceInsuranceCreateorderRequest.PolicyDomain();
list3.Add(obj4);
obj4.CorrelationPolicyNo = "xxx";
obj4.FeeAmount = "10.00";
obj4.ActualReceivedAmount = "10.00";
obj4.EffectiveTime = DateTime.Parse(2026-01-01 10:00:00");
obj4.ExpirationTime = DateTime.Parse(2026-01-01 10:00:00");
obj4.IsRenewPolicy = false;
obj4.PolicyNo = "xxx";
obj4.IsSupportRenew = false;
obj4.Plan = "xxx";
obj4.GuaranteedAmount = "10.00";
obj4.IsSelectedCommercial = false;
obj1.PolicyList= list3;
obj1.TotalActualReceivedAmount = "100.00";
obj1.TotalFeeAmount = "10.00";
obj1.OutUserId = "xxx";
obj1.PaymentType = "monthly";
obj1.ItemId = "xxx";
obj1.SubProduct = "xxx";
obj1.Institution = "xx";
obj1.TotalInstallments = 1L;
obj1.ProductCode = "xxx";
obj1.ExpirationTime = DateTime.Parse(2027-01-01 10:00:00");
obj1.Attributes = "{\"spm\":\"xxx\"}";
obj1.ApplyTime = DateTime.Parse(2026-01-01 10:00:00");
obj1.Tenant = "DTAO";
req.CreateOrderRequest_ = obj1;
AlibabaFinanceInsuranceCreateorderResponse rsp = client.Execute(req);
Console.WriteLine(rsp.Body);

$c = new TopClient;
$c->appkey = $appkey;
$c->secretKey = $secret;
$req = new AlibabaFinanceInsuranceCreateorderRequest;
$create_order_request = new CreateOrderRequest;
$create_order_request->identifier="xxx";
$create_order_request->order_id="xxx";
$create_order_request->total_guaranteed_amount="100";
$create_order_request->effective_time="2026-01-01 10:00:00";
$policy_list = new Policy;
$policy_list->correlation_policy_no="xxx";
$policy_list->fee_amount="10.00";
$policy_list->actual_received_amount="10.00";
$policy_list->effective_time="2026-01-01 10:00:00";
$policy_list->expiration_time="2026-01-01 10:00:00";
$policy_list->is_renew_policy="false";
$policy_list->policy_no="xxx";
$policy_list->is_support_renew="false";
$policy_list->plan="xxx";
$policy_list->guaranteed_amount="10.00";
$policy_list->is_selected_commercial="false";
$create_order_request->policy_list = $policy_list;
$create_order_request->total_actual_received_amount="100.00";
$create_order_request->total_fee_amount="10.00";
$create_order_request->out_user_id="xxx";
$create_order_request->payment_type="monthly";
$create_order_request->item_id="xxx";
$create_order_request->sub_product="xxx";
$create_order_request->institution="xx";
$create_order_request->total_installments="1";
$create_order_request->product_code="xxx";
$create_order_request->expiration_time="2027-01-01 10:00:00";
$create_order_request->attributes="{\"spm\":\"xxx\"}";
$create_order_request->apply_time="2026-01-01 10:00:00";
$create_order_request->tenant="DTAO";
$req->setCreateOrderRequest(json_encode($create_order_request));
$resp = $c->execute($req);

curl -X POST 'http://gw.api.taobao.com/router/rest' \
-H 'Content-Type:application/x-www-form-urlencoded;charset=utf-8' \
-d 'app_key=12129701' \
-d 'format=json' \
-d 'method=alibaba.finance.insurance.createorder' \
-d 'partner_id=apidoc' \
-d 'sign=C87596B250483783736BB3FF41E06958' \
-d 'sign_method=hmac' \
-d 'timestamp=2026-04-02+11%3A11%3A04' \
-d 'v=2.0' \
-d 'create_order_request=null'

# -*- coding: utf-8 -*-
import top.api

req=top.api.AlibabaFinanceInsuranceCreateorderRequest(url,port)
req.set_app_info(top.appinfo(appkey,secret))

req.create_order_request="数据结构示例JSON格式"
try:
	resp= req.getResponse()
	print(resp)
except Exception,e:
	print(e)

pTopRequest pRequest = alloc_top_request();
pTopResponse pResponse = NULL;
pTaobaoClient pClient = alloc_taobao_client(url, appkey, appsecret);
set_api_name(pRequest,"alibaba.finance.insurance.createorder");
add_param(pRequest,"create_order_request","数据结构JSON示例");
pResponse = top_execute(pClient,pRequest,NULL);
printf("ret code:%d\n",pResponse->code);
if(pResponse->code == 0){
	pTopResponseIterator ite = init_response_iterator(pResponse);
	pResultItem pResultItem = alloc_result_item();
	while(parseNext(ite, pResultItem) == 0){
		printf("%s:%s\n",pResultItem->key,pResultItem->value);
	}
	destroy_response_iterator(ite);
	destroy_result_item(pResultItem);
}
destroy_top_request(pRequest);
destroy_top_response(pResponse);
destroy_taobao_client(pClient);

TopClient = require('./topClient').TopClient;
var client = new TopClient({
	'appkey': 'appkey',
	'appsecret': 'secret',
	'url': 'http://gw.api.taobao.com/router/rest'
});

client.execute('alibaba.finance.insurance.createorder', {
	'create_order_request':'数据结构JSON示例'
}, function(error, response) {
	if (!error) console.log(response);
	else console.log(error);
})

XML示例
JSON示例

<alibaba_finance_insurance_createorder_response>
    <is_success>true</is_success>
    <response_code>SUCCESS</response_code>
    <response_msg>参数异常</response_msg>
</alibaba_finance_insurance_createorder_response>

{
    "alibaba_finance_insurance_createorder_response":{
        "is_success":true,
        "response_code":"SUCCESS",
        "response_msg":"参数异常"
    }
}

XML示例
JSON示例

<error_response>
    <code>50</code>
    <msg>Remote service error</msg>
    <sub_code>isv.invalid-parameter</sub_code>
    <sub_msg>非法参数</sub_msg>
</error_response>

{
	"error_response":{
		"msg":"Remote service error",
		"code":50,
		"sub_msg":"非法参数",
		"sub_code":"isv.invalid-parameter"
	}
}

错误码	错误描述	解决方案

API测试工具错误码查询工具 SDK下载

开放平台

场景金融保险

alibaba.finance.insurance.createorder (机构投保创单)

公共参数

请求参数

响应参数

请求示例

响应示例

异常示例

错误码解释

API工具

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