40-data/_verification_log_2026-05-15.json

{
  "verified_at": "2026-05-15",
  "sample_size": 20,
  "verified": 4,
  "stale_url": 6,
  "broken_url": 4,
  "no_url": 0,
  "ambiguous": 6,
  "items": [
    {
      "policy_id": "hdfc-ergo__group-health-insurance__wordings",
      "bucket": "policy_facts",
      "file": "hdfc-ergo__group-health-insurance__wordings.json",
      "field": "day_care_treatments_count",
      "claimed_value": 144,
      "source_url": "https://www.hdfcergo.com/health-insurance/day-care-treatment",
      "source_note": "Per insurer baseline (HDFC Ergo day-care treatment page lists 144 procedures)",
      "confidence": "medium",
      "verification_status": "stale_url",
      "evidence_snippet": "Page describes day care broadly (eye surgery, dialysis, chemotherapy) but states no specific count. Our claimed value 144 not on page."
    },
    {
      "policy_id": "icici-lombard__arogya-sanjeevani",
      "bucket": "policy_facts",
      "file": "icici-lombard__arogya-sanjeevani.json",
      "field": "day_care_treatments_count",
      "claimed_value": 150,
      "source_url": "https://www.icicilombard.com/docs/default-source/downloads/complete-health-insurance-brochure.pdf",
      "source_note": "Per insurer baseline (ICICI Lombard Complete Health iHealth Annexure I; 150 procedures)",
      "confidence": "medium",
      "verification_status": "broken_url",
      "evidence_snippet": "HTTP 403 Forbidden on PDF URL."
    },
    {
      "policy_id": "icici-lombard__arogya-sanjeevani__wordings",
      "bucket": "policy_facts",
      "file": "icici-lombard__arogya-sanjeevani__wordings.json",
      "field": "day_care_treatments_count",
      "claimed_value": 150,
      "source_url": "https://www.icicilombard.com/docs/default-source/downloads/complete-health-insurance-brochure.pdf",
      "source_note": "Per insurer baseline (ICICI Lombard Complete Health iHealth Annexure I; 150 procedures)",
      "confidence": "medium",
      "verification_status": "broken_url",
      "evidence_snippet": "HTTP 403 Forbidden on PDF URL (same as #2)."
    },
    {
      "policy_id": "hdfc-ergo__my-health-women-suraksha__brochure",
      "bucket": "policy_facts",
      "file": "hdfc-ergo__my-health-women-suraksha__brochure.json",
      "field": "day_care_treatments_count",
      "claimed_value": 144,
      "source_url": "https://www.hdfcergo.com/health-insurance/day-care-treatment",
      "source_note": "Per insurer baseline (HDFC Ergo day-care treatment page lists 144 procedures)",
      "confidence": "medium",
      "verification_status": "stale_url",
      "evidence_snippet": "Same HDFC ERGO day-care URL; page does not state a count. Claimed 144 not verifiable."
    },
    {
      "policy_id": "national-insurance__new-national-parivar__wordings",
      "bucket": "policy_facts",
      "file": "national-insurance__new-national-parivar__wordings.json",
      "field": "network_hospital_count",
      "claimed_value": 5322,
      "source_url": "https://nationalinsurance.nic.co.in/",
      "source_note": "5322 Network Hospitals ('Why Choose NICL' section, scraped 2026-05-15)",
      "confidence": "high",
      "verification_status": "verified",
      "evidence_snippet": "Page states '5,322 network hospitals' in Why Choose NICL section. Exact match."
    },
    {
      "policy_id": "tata-aig__medicare-premier__cis",
      "bucket": "policy_facts",
      "file": "tata-aig__medicare-premier__cis.json",
      "field": "network_hospital_count",
      "claimed_value": 12000,
      "source_url": "https://www.tataaig.com/",
      "source_note": "12,000+ Network Hospitals (homepage 'Why TATA AIG' section, scraped 2026-05-15)",
      "confidence": "high",
      "verification_status": "verified",
      "evidence_snippet": "Homepage states '12,000+ Hospitals' in Why TATA AIG section."
    },
    {
      "policy_id": "cholamandalam__super-topup__wordings",
      "bucket": "policy_facts",
      "file": "cholamandalam__super-topup__wordings.json",
      "field": "network_hospital_count",
      "claimed_value": 13500,
      "source_url": "https://www.cholainsurance.com/",
      "source_note": "13,500+ Cashless Hospitals ('Why Chola MS' section, scraped 2026-05-15)",
      "confidence": "high",
      "verification_status": "verified",
      "evidence_snippet": "Homepage states '13,500+' cashless hospitals in Why Chola MS section."
    },
    {
      "policy_id": "sbi-general__super-top-up__cis",
      "bucket": "policy_facts",
      "file": "sbi-general__super-top-up__cis.json",
      "field": "day_care_treatments_count",
      "claimed_value": 142,
      "source_url": "https://www.sbigeneral.in/health-insurance",
      "source_note": "Per insurer baseline (SBI General health plans cover ~142 day care procedures)",
      "confidence": "medium",
      "verification_status": "stale_url",
      "evidence_snippet": "Page describes day-care treatment but states no count; claimed 142 not verifiable from this URL."
    },
    {
      "policy_id": "bajaj-allianz__global-health-care",
      "bucket": "policy_facts",
      "file": "bajaj-allianz__global-health-care.json",
      "field": "network_hospital_count",
      "claimed_value": 18400,
      "source_url": "https://www.bajajgeneralinsurance.com/",
      "source_note": "18,400+ Cashless Hospitals (homepage, scraped 2026-05-15)",
      "confidence": "high",
      "verification_status": "verified",
      "evidence_snippet": "Homepage states '18,400+ Cashless Hospitals' in Why Choose Us section."
    },
    {
      "policy_id": "niva-bupa__saral-suraksha",
      "bucket": "policy_facts",
      "file": "niva-bupa__saral-suraksha.json",
      "field": "day_care_treatments_count",
      "claimed_value": 586,
      "source_url": "https://www.nivabupa.com/family-health-insurance-plans/reassurev2-insurance.html",
      "source_note": "Per insurer baseline (Niva Bupa ReAssure 2.0 covers ~586 day care procedures)",
      "confidence": "medium",
      "verification_status": "stale_url",
      "evidence_snippet": "URL points to ReAssure plan page (wrong plan), and page does not state day-care count 586."
    },
    {
      "policy_id": "iffco-tokio",
      "bucket": "reviews",
      "file": "iffco-tokio.json",
      "field": "claim_settlement_ratio_pct",
      "claimed_value": 96.33,
      "source_url": "https://irdai.gov.in/document-detail?documentId=6436847",
      "source_note": "IRDAI FY 2023-24",
      "confidence": null,
      "verification_status": "ambiguous",
      "evidence_snippet": "IRDAI URL is PDF landing (WebFetch can't read PDF). External aggregators report 96.33% as the 2019-20 IBAI figure for IFFCO Tokio, not FY 2023-24 (which they cite as 90.65%). Year mislabeled likely."
    },
    {
      "policy_id": "niva-bupa",
      "bucket": "reviews",
      "file": "niva-bupa.json",
      "field": "claim_settlement_ratio_pct",
      "claimed_value": 91.62,
      "source_url": "https://irdai.gov.in/document-detail?documentId=6436847",
      "source_note": "IRDAI 2023-24 (3-year avg through FY25)",
      "confidence": null,
      "verification_status": "ambiguous",
      "evidence_snippet": "IRDAI URL is a PDF landing. External sources confirm 91.62% is the 3-year average (2022-25), but our field is labelled 'claim_settlement_ratio_pct' with year '2023-24'. Year mislabel \u2014 value reasonable."
    },
    {
      "policy_id": "tata-aig",
      "bucket": "reviews",
      "file": "tata-aig.json",
      "field": "claim_settlement_ratio_pct",
      "claimed_value": 88.72,
      "source_url": "https://irdai.gov.in/document-detail?documentId=6436847",
      "source_note": "IRDAI 2023-24 (3-year avg)",
      "confidence": null,
      "verification_status": "ambiguous",
      "evidence_snippet": "IRDAI URL is PDF landing. External aggregators confirm 88.72% as Tata AIG 3-year avg 2022-25; single-year FY23-24 may differ. Year mislabel possible."
    },
    {
      "policy_id": "bajaj-allianz",
      "bucket": "reviews",
      "file": "bajaj-allianz.json",
      "field": "claim_settlement_ratio_pct",
      "claimed_value": 92.24,
      "source_url": "https://irdai.gov.in/document-detail?documentId=6436847",
      "source_note": "IRDAI 2023-24",
      "confidence": null,
      "verification_status": "ambiguous",
      "evidence_snippet": "IRDAI URL is PDF landing. External aggregator shows Bajaj General CSR 93.54% (close to 92.24%); exact 92.24% not surfaced in search."
    },
    {
      "policy_id": "manipalcigna",
      "bucket": "reviews",
      "file": "manipalcigna.json",
      "field": "claim_settlement_ratio_pct",
      "claimed_value": 99.0,
      "source_url": "https://irdai.gov.in/document-detail?documentId=6436847",
      "source_note": "IRDAI 2023-24",
      "confidence": null,
      "verification_status": "ambiguous",
      "evidence_snippet": "IRDAI URL is PDF landing. External sources cite 99.96% (IRDAI FY23-24) or 99% (rounded); our 99.0 is consistent but exact value not retrievable from cited URL."
    },
    {
      "policy_id": "icici-lombard-elevate",
      "bucket": "premiums",
      "file": "illustrative_premiums.json",
      "field": "annual_premium_inr@age30_SI1000000",
      "claimed_value": 9500,
      "source_url": "https://www.icicilombard.com/health-insurance/elevate-health-policy",
      "source_note": "ICICI Lombard official: Elevate sample illustration cited for 30M, 10L SI",
      "confidence": null,
      "verification_status": "broken_url",
      "evidence_snippet": "HTTP 403 Forbidden on icicilombard.com/health-insurance/elevate-health-insurance."
    },
    {
      "policy_id": "aditya-birla-activ-assure-diamond",
      "bucket": "premiums",
      "file": "illustrative_premiums.json",
      "field": "annual_premium_inr@age30_SI500000",
      "claimed_value": 8215,
      "source_url": "https://www.adityabirlacapital.com/healthinsurance/activ-assure-diamond",
      "source_note": "Aditya Birla official site: 'starts from Rs 8,215/yr for self age 30, SI 5L'",
      "confidence": null,
      "verification_status": "stale_url",
      "evidence_snippet": "URL resolves but shows only product links in footer; no premium pricing for age 30 / 5L on the page."
    },
    {
      "policy_id": "new-india-mediclaim",
      "bucket": "premiums",
      "file": "illustrative_premiums.json",
      "field": "annual_premium_inr@age30_SI500000",
      "claimed_value": 5400,
      "source_url": "https://www.newindia.co.in/portal/readMore/Pages/Mediclaim-Policy",
      "source_note": "New India Mediclaim - PSU pricing typically ~15-20% below private peers per public rate chart",
      "confidence": null,
      "verification_status": "stale_url",
      "evidence_snippet": "URL returns only company logo header; no premium info on page. External search shows ~\u20b9400/month (~\u20b94,800/yr) starting which is close to but not 5,400."
    },
    {
      "policy_id": "bajaj-allianz-silver-health",
      "bucket": "premiums",
      "file": "illustrative_premiums.json",
      "field": "annual_premium_inr@age60_SI500000",
      "claimed_value": 19800,
      "source_url": "https://www.policybazaar.com/insurance-companies/bajaj-allianz-health-insurance/silver-health-plan/",
      "source_note": "Silver Health entry age 46-80; PolicyBazaar listing tile starting band for 60-year-old",
      "confidence": null,
      "verification_status": "ambiguous",
      "evidence_snippet": "PolicyBazaar Bajaj-Allianz page timed out (60s). Unable to verify either way; URL may be intermittent."
    },
    {
      "policy_id": "niva-bupa-health-premia",
      "bucket": "premiums",
      "file": "illustrative_premiums.json",
      "field": "annual_premium_inr@age30_SI500000",
      "claimed_value": 14000,
      "source_url": "https://www.nivabupa.com/health-insurance-plan/health-premia",
      "source_note": "Niva Bupa official: Health Premia floater 2 adults + 1 child, 5L SI base = ~Rs 14,000",
      "confidence": null,
      "verification_status": "broken_url",
      "evidence_snippet": "HTTP 404 Not Found on nivabupa.com/health-insurance-plan/health-premia.html."
    }
  ]
}