Cancel policy

Cancels a single policy; the other policies of the same order are not affected. Cancellation is always asynchronous and two-phase: the request puts the policy in cancellation_requested and the effective cancellation (canceled) only happens when the insurer confirms — until then, coverage remains in force.

To cancel all policies of an order at once, use the order cancellation on an emitted order.

Premium refund

At cancellation confirmation, QI Tech determines the basis and computes the refund amount automatically, over the gross premium (gross_premium_amount):

Cancellation moment	Refund basis
Within 7 calendar days of the issuance confirmation (issued) — cooling-off right	Full premium refund.
After 7 days	Refund proportional to the unelapsed coverage period (pro rata).

The cancellation confirmation arrives through the cancellation webhook and the refund to the payer is executed by QI Tech.

Request

ENDPOINT

/v1/insurance/policies/{policy_key}/cancel

METHOD

POST

Path params

Parameter	Type	Required	Description
policy_key	string	required	Policy key.

Request Body

{
  "reason": "Customer requested cancellation"
}

Field	Type	Required	Description
reason	string	optional	Cancellation reason, recorded in the event trail and echoed in the cancellation webhook.

Response

STATUS

202

Response Body

{
  "policy_key": "0b6e7c1a-9a4e-4c1e-b1d4-2f5a8c9e0d31",
  "order_key": "5e2b3f60-7c4b-4c8e-9f1a-6d2e8b4a7c90",
  "status": "cancellation_requested"
}

Completion arrives through the policy webhook with status canceled, and can be tracked through the policy retrieval.

Semantics per status

Current policy status	Result
issued	202 — cancellation requested from the insurer.
cancellation_requested	202 — idempotent: no second request is produced and the same body is returned.
issuance_requested	409 — the policy is not in force yet. To undo the whole sale at this stage, cancel the order (the request is retained and cancels the policy automatically as soon as the issuance confirms); to cancel only this policy, wait for the issuance to confirm.
canceled	409 — already canceled.
finished	409 — the term has already ended.
another integration / nonexistent	404

Possible errors

Every error (non-2xx) returns the standard body { "title", "description", "translation", "code" } — programmatically handle only the code field.

Status	Code	Description
401 / 403	—	Authentication or authorization failure.
404	POL000001	Policy nonexistent or belonging to another integration.
409	POL000010	The policy has already been canceled.
409	POL000011	The coverage term has already ended.
409	POL000012	The policy is not in force yet.
429	—	Request limit exceeded — retry with backoff.
500	QIT000500	Internal error — the request is idempotent, retry the call.
503	POL000030	Service unavailable — the request is idempotent, retry the call.