{"id":1673,"date":"2026-07-06T13:00:00","date_gmt":"2026-07-06T18:00:00","guid":{"rendered":"https:\/\/tolinku.com\/blog\/?p=1673"},"modified":"2026-03-07T03:49:58","modified_gmt":"2026-03-07T08:49:58","slug":"insurance-app-deep-links","status":"publish","type":"post","link":"https:\/\/tolinku.com\/blog\/insurance-app-deep-links\/","title":{"rendered":"Deep Links for Insurance Apps"},"content":{"rendered":"\n

Insurance apps handle sensitive personal data and complex multi-step flows. A deep link to a claim status needs to authenticate the user and show the correct claim. A deep link from a renewal email needs to take the user directly to the renewal screen with their policy details pre-loaded. A deep link from an accident notification needs to open the claims filing flow immediately.<\/p>\n\n\n\n

This guide covers deep linking patterns specific to insurance apps. For broader fintech deep linking, see deep linking for fintech and banking apps<\/a>. For onboarding deep links, see banking app onboarding deep links<\/a>.<\/p>\n\n\n\n

Route Patterns<\/h2>\n\n\n\n

Policies<\/h3>\n\n\n\n
\/policies                           \u2192 All policies overview\n\/policies\/{policy-id}               \u2192 Specific policy detail\n\/policies\/{policy-id}\/documents     \u2192 Policy documents\n\/policies\/{policy-id}\/coverage      \u2192 Coverage breakdown\n\/policies\/{policy-id}\/renew         \u2192 Renewal flow\n<\/code><\/pre>\n\n\n\n
Claims<\/h3>\n\n\n\n
\/claims                             \u2192 Claims history\n\/claims\/{claim-id}                  \u2192 Claim status and detail\n\/claims\/new                         \u2192 Start a new claim\n\/claims\/new\/{policy-id}             \u2192 Start claim for specific policy\n\/claims\/{claim-id}\/documents        \u2192 Claim documents\n\/claims\/{claim-id}\/adjuster         \u2192 Contact assigned adjuster\n<\/code><\/pre>\n\n\n\n
Quotes<\/h3>\n\n\n\n
\/quotes                             \u2192 Saved quotes\n\/quotes\/{quote-id}                  \u2192 Specific quote detail\n\/quotes\/new\/{product}               \u2192 Start new quote (auto, home, life)\n\/quotes\/{quote-id}\/purchase         \u2192 Convert quote to policy\n<\/code><\/pre>\n\n\n\n
Account<\/h3>\n\n\n\n
\/payments                           \u2192 Payment history\n\/payments\/make                      \u2192 Make a payment\n\/cards\/{card-id}                    \u2192 ID card for a policy\n\/profile\/beneficiaries              \u2192 Beneficiary management\n<\/code><\/pre>\n\n\n\n
Critical Deep Link Flows<\/h2>\n\n\n\n
Claims Filing<\/h3>\n\n\n\n
The claims flow is the most important deep link in insurance apps. When a user has an accident or experiences a loss, they need to file a claim quickly:<\/p>\n\n\n\n
func handleClaimsDeepLink(_ url: URL) {\n    let segments = url.pathComponents\n\n    guard authManager.isAuthenticated else {\n        pendingDeepLink = url\n        showLogin()\n        return\n    }\n\n    if segments.contains("new") {\n        \/\/ Starting a new claim\n        let policyId = segments.last != "new" ? segments.last : nil\n        startClaimFlow(policyId: policyId)\n    } else if let claimId = segments.last, segments.contains("claims") {\n        showClaimDetail(claimId: claimId)\n    }\n}\n\nfunc startClaimFlow(policyId: String?) {\n    if let policyId = policyId {\n        \/\/ Pre-select the policy\n        let policy = policyManager.getPolicy(policyId)\n        showClaimForm(preselectedPolicy: policy)\n    } else if policyManager.policies.count == 1 {\n        \/\/ Only one policy, auto-select\n        showClaimForm(preselectedPolicy: policyManager.policies.first)\n    } else {\n        \/\/ Multiple policies, let user choose\n        showPolicySelector(for: .claim)\n    }\n}\n<\/code><\/pre>\n\n\n\n
Policy Renewal<\/h3>\n\n\n\n
Renewal deep links from emails should take the user directly to the renewal screen:<\/p>\n\n\n\n
fun handleRenewalDeepLink(policyId: String) {\n    if (!authManager.isAuthenticated) {\n        pendingDeepLink = "\/policies\/$policyId\/renew"\n        showLogin()\n        return\n    }\n\n    val policy = policyRepository.getPolicy(policyId)\n    if (policy == null) {\n        showError("Policy not found. Please contact support.")\n        return\n    }\n\n    when (policy.renewalStatus) {\n        RenewalStatus.PENDING -> showRenewalForm(policy)\n        RenewalStatus.RENEWED -> showPolicyDetail(policy, message = "This policy has already been renewed.")\n        RenewalStatus.EXPIRED -> showReapplicationFlow(policy)\n    }\n}\n<\/code><\/pre>\n\n\n\n
ID Card Access<\/h3>\n\n\n\n
Digital insurance ID cards need to be accessible instantly:<\/p>\n\n\n\n
\/cards\/{policy-id}\n<\/code><\/pre>\n\n\n\n
This deep link should:<\/p>\n\n\n\n
    \n
  1. Authenticate the user.<\/li>\n
  2. Display the digital ID card for the specified policy.<\/li>\n
  3. Support offline access (cache the card for when there is no connectivity).<\/li>\n
  4. Allow saving to Apple Wallet or Google Wallet.<\/li>\n<\/ol>\n\n\n\n
    Email Deep Links<\/h2>\n\n\n\n
    Insurance companies send many transactional emails. Each should contain a relevant deep link:<\/p>\n\n\n\n
    Renewal Reminder<\/h3>\n\n\n\n
    <p>Your auto insurance policy #POL-12345 expires on August 15, 2026.<\/p>\n<a href="https:\/\/links.insuranceapp.com\/policies\/POL-12345\/renew">\n  Renew Your Policy\n<\/a>\n<\/code><\/pre>\n\n\n\n
    Claim Update<\/h3>\n\n\n\n
    <p>Your claim #CLM-789 has been updated.<\/p>\n<p>Status: Under Review<\/p>\n<a href="https:\/\/links.insuranceapp.com\/claims\/CLM-789">\n  View Claim Status\n<\/a>\n<\/code><\/pre>\n\n\n\n
    Payment Due<\/h3>\n\n\n\n
    <p>Your premium payment of $125.00 is due on July 20, 2026.<\/p>\n<a href="https:\/\/links.insuranceapp.com\/payments\/make">\n  Make Payment\n<\/a>\n<\/code><\/pre>\n\n\n\n
    New Document Available<\/h3>\n\n\n\n
    <p>Your updated policy documents are ready.<\/p>\n<a href="https:\/\/links.insuranceapp.com\/policies\/POL-12345\/documents">\n  View Documents\n<\/a>\n<\/code><\/pre>\n\n\n\n
    Push Notification Deep Links<\/h2>\n\n\n\n
    \n\n\n\n\n\n\n\n\n
    Notification<\/th>\nDeep Link<\/th>\nPriority<\/th>\n<\/tr>\n<\/thead>\n
    Claim status update<\/td>\n\/claims\/{claim-id}<\/code><\/td>\nHigh<\/td>\n<\/tr>\n
    Payment due reminder<\/td>\n\/payments\/make<\/code><\/td>\nHigh<\/td>\n<\/tr>\n
    Policy renewal reminder<\/td>\n\/policies\/{id}\/renew<\/code><\/td>\nHigh<\/td>\n<\/tr>\n
    New document available<\/td>\n\/policies\/{id}\/documents<\/code><\/td>\nNormal<\/td>\n<\/tr>\n
    Coverage recommendation<\/td>\n\/quotes\/new\/{product}<\/code><\/td>\nLow<\/td>\n<\/tr>\n
    Roadside assistance<\/td>\n\/assistance<\/code><\/td>\nCritical<\/td>\n<\/tr>\n<\/tbody><\/table><\/figure>\n\n\n\n
    Security Requirements<\/h2>\n\n\n\n
    Authentication Levels<\/h3>\n\n\n\n
    Insurance apps should use tiered authentication for deep links:<\/p>\n\n\n\n
    \n\n\n\n\n\n\n\n\n
    Content<\/th>\nAuth Required<\/th>\nAdditional Verification<\/th>\n<\/tr>\n<\/thead>\n
    Quote (no PII)<\/td>\nNone<\/td>\nNone<\/td>\n<\/tr>\n
    ID card display<\/td>\nBiometric or PIN<\/td>\nNone<\/td>\n<\/tr>\n
    Policy details<\/td>\nFull login<\/td>\nNone<\/td>\n<\/tr>\n
    Claim filing<\/td>\nFull login<\/td>\nNone<\/td>\n<\/tr>\n
    Payment<\/td>\nFull login<\/td>\nBiometric confirmation<\/td>\n<\/tr>\n
    Beneficiary changes<\/td>\nFull login<\/td>\nStep-up verification<\/td>\n<\/tr>\n<\/tbody><\/table><\/figure>\n\n\n\n
    Data Minimization on Web Fallback<\/h3>\n\n\n\n
    The web fallback page for an insurance deep link should never show:<\/p>\n\n\n\n