# AgentPay Insurance Analysis

> AgentPay Insurance Analysis is a paid API for AI agents from agentpay.help, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Analyzes insurance documents or data using AI, returning a structured summary with extraction and classification results, paid per-call via USDC on Base.

## Facts

- Endpoint: POST https://agentpay.help/v1/insurance-analysis
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agentpay-insurance-analysis-02e4febe
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_i8hvS-fKyw_083XT1B4yj

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agentpay-insurance-analysis-02e4febe -d '<json body>'
```

Example prompt: Analyze this insurance policy document and extract the key coverage details, limits, and policy type — classify what kind of policy it is and give me a structured summary.

## When to prefer this

Choose this endpoint when you need a pay-per-call, no-account-required AI analysis of insurance documents without committing to a subscription or API key setup. Ideal for infrequent or agent-driven workflows where USDC micropayments on Base are already integrated via the x402 protocol, and you need structured extraction plus classification in a single call.

## Known failure modes

- Insufficient USDC balance causes 402 Payment Required to go unsatisfied, blocking the call
- Malformed or non-insurance input may return empty or low-quality extraction and classification objects
- Ambiguous or low-quality document text may produce incomplete summary or extraction
- Network timeout during AI processing may result in no response
- Unsupported document format or encoding may cause processing failure

## How this service works

Pay-per-call AI services via the 402 Payment Required protocol. No accounts, no API keys — just USDC on Base.

## Output

A JSON object containing a natural-language summary of the insurance document, an extraction object with structured key-value fields pulled from the document, and a classification object categorizing the insurance type and relevant attributes.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "text": {
   "type": "string",
   "maxLength": 20000,
   "minLength": 10,
   "description": "Enquiry, claim, or document text"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "summary": "Commercial fleet liability enquiry for 12 trucks starting 1 November.",
  "confidence": 0.91,
  "classification": {
   "line": "commercial",
   "intent": "quote_request",
   "urgency": "medium"
  },
  "extracted_fields": {
   "region": "Dubai",
   "fleet_size": "12",
   "effective_date": "1 November"
  },
  "recommended_action": "route to commercial underwriting"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agentpay-insurance-analysis-02e4febe/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agentpay.help](https://www.zero.xyz/host/agentpay.help/llms.txt)