# Loyalty Insurance
source: https://developer.mastercard.com/mastercard-insurance-programs/documentation/index.md

## Overview {#overview}

Mastercard Insurance Service offers issuers and cardholders a streamlined digital experience for accessing insurance benefits and managing claims globally---directly within their web applications. Instead of navigating multiple insurance websites, cardholders can securely view all their insurance benefits linked to their card through a seamless single sign-on (SSO) experience.
The service also simplifies claims submission by collecting necessary details within the issuer's app before redirecting the cardholder to the claims processing site, where benefit selection and form pre-filling are already handled. Additionally, this service enable in-app claim status tracking within the banking app.

## How It Works {#how-it-works}

### Tokenized Access to Insurance Benefits and Claims Submissions {#tokenized-access-to-insurance-benefits-and-claims-submissions}

![Loyalty Digital Enablement Ecosystem](https://static.developer.mastercard.com/content/mastercard-insurance-programs/uploads/viewbenefits&claimsubmission.png)

* Issuer enables insurance benefits for the cardholders.
* Cardholder requests issuers to view benefits, initiating the process.
* Issuer sends a token generation request to Mastercard Insurance Service.
* Insurance service validates the request and identifies the provider using the issuer key.
* Token is generated and returned to the issuer.
* Issuer redirects the cardholder to the provider's page, where benefits or claim forms are shown based on the tokenized card and personal data.

### Claim Status search {#claim-status-search}

![Loyalty Digital Enablement Ecosystem](https://static.developer.mastercard.com/content/mastercard-insurance-programs/uploads/claimstatus.png)

* Issuer enables insurance benefits and cardholder initiates a claim status check via the issuer's mobile app.
* Issuer sends a request with the claim ID to Mastercard Insurance Service.
* Mastercard validates the request and identifies the insurance provider using the issuer key.
* Mastercard builds and forwards the request to the Insurance Benefits Provider.
* Insurance Benefits Provider returns claim status to Mastercard Insurance Service.
* Mastercard sends the claim status back to the issuer for displaying to the cardholder.

## Insurance Program Participants and Interactions {#insurance-program-participants-and-interactions}

Here are several participants, their roles and responsibilities, and how they interact to deliver Insurance claims experience.

|         Roles          |                                                                                                                                                   Description                                                                                                                                                    |
|------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **Issuer**             | Establishes a catalog of benefits, including core, optional Mastercard and issuer provided benefits for specific card products. The catalog, in a Mastercard specific format spreadsheet, must be provided for input into mastercard systems before the API is used. This setup process can take up to 13 weeks. |
| **Mastercard**         | Mastercard implementation team takes the data from the spreadsheet and configures the platform via proprietary tools.                                                                                                                                                                                            |
| **Bank API Developer** | Develops the issuer backend API client, using Mastercard API signer libraries for authentication, to invoke the various API functions.                                                                                                                                                                           |

## Before You Start {#before-you-start}

Ensure that the issuer has completed all the contractual steps with your Mastercard representative.
Decide how the terms and conditions and privacy policies will be presented to the cardholder.
You may need to get the documents from your representative and statically make them available
to your cardholder via digital channels.

## Next steps {#next-steps}

* Review our [API basics](https://developer.mastercard.com/mastercard-insurance-programs/documentation/api-basics/index.md) to learn about the Mastercard environments and authentication requirements.
* Review the [use cases](https://developer.mastercard.com/mastercard-insurance-programs/documentation/use-cases/index.md) to understand how the Mastercard Insurance service API facilitates the supported operations.
* See our [Quick Start Guide](https://developer.mastercard.com/platform/documentation/getting-started-with-mastercard-apis/renewing-your-keys/) for more information on how to complete authentication requirements in order to be able to access any Mastercard API.