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	<!doctype html><meta charset=utf-8><title>Policy data sufficiency — 148</title>
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	<h1>Policy data sufficiency — 148 de-duplicated unique products (reviews now complete for all 20 insurers)</h1>
	<div class=k><b>Distribution:</b> STRONG≥80: 28 · OK 60-79: 42 · THIN 40-59: 31 · <40: 47  \|  fixed-benefit (FB): 15<br>
	<b>Columns:</b> TOTAL = mean(Basic,Score,Price). WHY = the reason any gap exists (structural vs schedule-deferred vs genuinely-sparse vs extraction).</div>
	<table><tr><th>TOTAL</th><th>Basic</th><th>Score</th><th>Price</th><th>type</th><th>policy</th><th>WHY the gap (if any)</th></tr><tr><td style="font-weight:700;color:#1a7f37">90</td><td>83</td><td>87</td><td>100</td><td>IN</td><td style="font-family:monospace">bajaj-allianz__health-guard</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">87</td><td>83</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">sbi-general__super-health-insurance</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">87</td><td>83</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__national-senior-citizen</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">87</td><td>83</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__national-mediclaim</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">87</td><td>83</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__my-health-suraksha</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">87</td><td>83</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">cholamandalam__flexi-health</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">86</td><td>83</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">star-health__family-health-optima</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">86</td><td>83</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">sbi-general__health-edge</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">86</td><td>83</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">sbi-general__arogya-supreme</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">86</td><td>83</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">royal-sundaram__lifeline</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">86</td><td>83</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__optima-restore</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">86</td><td>75</td><td>83</td><td>100</td><td>IN</td><td style="font-family:monospace">manipalcigna__sarvah-param</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">84</td><td>83</td><td>70</td><td>100</td><td>IN</td><td style="font-family:monospace">royal-sundaram__multiplier</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">84</td><td>83</td><td>70</td><td>100</td><td>IN</td><td style="font-family:monospace">oriental-insurance__happy-family-floater</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">84</td><td>75</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__bob-national-health</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">83</td><td>75</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">tata-aig__medicare-select</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">83</td><td>75</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__national-young-india-plus</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">83</td><td>75</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__national-young-india</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">82</td><td>67</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">star-health__star-comprehensive</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">82</td><td>67</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">star-health__star-assure</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">81</td><td>83</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">royal-sundaram__presecure-advantage</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">81</td><td>83</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">oriental-insurance__arogya-sanjeevani</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">81</td><td>83</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">care-health__care-advantage</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">81</td><td>83</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">acko__arogya-sanjeevani</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">80</td><td>83</td><td>57</td><td>100</td><td>IN</td><td style="font-family:monospace">royal-sundaram__arogya-sanjeevani</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">80</td><td>83</td><td>57</td><td>100</td><td>IN</td><td style="font-family:monospace">new-india__new-india-mediclaim-policy</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">80</td><td>75</td><td>65</td><td>100</td><td>IN</td><td style="font-family:monospace">star-health__health-premier</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#1a7f37">80</td><td>67</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">manipalcigna__prohealth-select</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">79</td><td>75</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">care-health__care-senior</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">79</td><td>58</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">manipalcigna__prohealth-protect</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">79</td><td>58</td><td>78</td><td>100</td><td>IN</td><td style="font-family:monospace">manipalcigna__prohealth-prime</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">77</td><td>75</td><td>57</td><td>100</td><td>IN</td><td style="font-family:monospace">new-india__asha-kiran-policy</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">77</td><td>75</td><td>57</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__arogya-sanjeevani</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">77</td><td>67</td><td>65</td><td>100</td><td>IN</td><td style="font-family:monospace">royal-sundaram__advanced-top-up</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">77</td><td>67</td><td>65</td><td>100</td><td>IN</td><td style="font-family:monospace">manipalcigna__prohealth-insurance-all-variants</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">77</td><td>58</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">niva-bupa__reassure-3</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">77</td><td>58</td><td>74</td><td>100</td><td>IN</td><td style="font-family:monospace">aditya-birla__activ-health</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">76</td><td>75</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">star-health__senior-citizens-red-carpet</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">76</td><td>67</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">oriental-insurance__oriental-mediclaim-individual</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">76</td><td>67</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">icici-lombard__complete-health-umbrella</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">76</td><td>58</td><td>70</td><td>100</td><td>IN</td><td style="font-family:monospace">royal-sundaram__family-plus</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">74</td><td>75</td><td>48</td><td>100</td><td>IN</td><td style="font-family:monospace">care-health__care-heart</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">74</td><td>58</td><td>65</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__national-super-top-up</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">73</td><td>67</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">new-india__yuva-bharat-health-policy</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">73</td><td>58</td><td>61</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__optima-plus</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">73</td><td>50</td><td>70</td><td>100</td><td>IN</td><td style="font-family:monospace">icici-lombard__health-elite-plus</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">72</td><td>67</td><td>48</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__national-surrogacy</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">72</td><td>67</td><td>48</td><td>100</td><td>IN</td><td style="font-family:monospace">cholamandalam__flexi-health-supreme</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">72</td><td>58</td><td>57</td><td>100</td><td>IN</td><td style="font-family:monospace">icici-lombard__complete-health-insurance-health-shield</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">70</td><td>67</td><td>43</td><td>100</td><td>IN</td><td style="font-family:monospace">bajaj-allianz__silver-health</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">70</td><td>58</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">star-health__star-cardiac-care-platinum</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">70</td><td>58</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">new-india__janata-mediclaim-policy</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">70</td><td>58</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__my-optima-secure</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">70</td><td>58</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__energy-diabetes-hypertension</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">70</td><td>58</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">cholamandalam__chola-healthline</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">69</td><td>58</td><td>48</td><td>100</td><td>IN</td><td style="font-family:monospace">star-health__star-cardiac-care</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">69</td><td>50</td><td>57</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__energy</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">66</td><td>50</td><td>48</td><td>100</td><td>IN</td><td style="font-family:monospace">niva-bupa__health-companion-v2022</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">66</td><td>50</td><td>48</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__my-optima-secure-older-variant</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">65</td><td>42</td><td>52</td><td>100</td><td>IN</td><td style="font-family:monospace">cholamandalam__super-topup</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">64</td><td>50</td><td>43</td><td>100</td><td>IN</td><td style="font-family:monospace">national-insurance__universal-health</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">64</td><td>50</td><td>43</td><td>100</td><td>IN</td><td style="font-family:monospace">indusind-general__health-gain</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">64</td><td>50</td><td>43</td><td>100</td><td>FB</td><td style="font-family:monospace">bajaj-allianz__comprehensive-care-plan</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#3d8f4f">63</td><td>50</td><td>39</td><td>100</td><td>IN</td><td style="font-family:monospace">royal-sundaram__surrosafe</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">63</td><td>50</td><td>39</td><td>100</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__my-health-women-suraksha</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">62</td><td>50</td><td>35</td><td>100</td><td>IN</td><td style="font-family:monospace">new-india__universal-health-insurance</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">62</td><td>50</td><td>35</td><td>100</td><td>IN</td><td style="font-family:monospace">bajaj-allianz__tax-gain</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#3d8f4f">60</td><td>62</td><td>57</td><td>60</td><td>FB</td><td style="font-family:monospace">aditya-birla__activ-secure-cancer-secure</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#3d8f4f">60</td><td>50</td><td>29</td><td>100</td><td>FB</td><td style="font-family:monospace">national-insurance__national-hospi-cash</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#3d8f4f">60</td><td>50</td><td>29</td><td>100</td><td>FB</td><td style="font-family:monospace">national-insurance__national-critical-illness</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#b58900">57</td><td>50</td><td>22</td><td>100</td><td>IN</td><td style="font-family:monospace">cholamandalam__critical-healthline</td><td style="font-size:12px;color:#555">Mostly complete — minor residual extraction gaps only</td></tr><tr><td style="font-weight:700;color:#b58900">56</td><td>38</td><td>29</td><td>100</td><td>FB</td><td style="font-family:monospace">star-health__star-cancer-care-platinum</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#b58900">52</td><td>38</td><td>57</td><td>60</td><td>FB</td><td style="font-family:monospace">tata-aig__medicare-lite</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#b58900">52</td><td>38</td><td>57</td><td>60</td><td>FB</td><td style="font-family:monospace">aditya-birla__activ-secure-personal-accident-cancer-secure</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#b58900">51</td><td>75</td><td>78</td><td>0</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__my-health-sampoorna-suraksha</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">50</td><td>67</td><td>83</td><td>0</td><td>IN</td><td style="font-family:monospace">national-insurance__new-national-parivar</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">50</td><td>67</td><td>83</td><td>0</td><td>IN</td><td style="font-family:monospace">icici-lombard__elevate</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">47</td><td>75</td><td>65</td><td>0</td><td>IN</td><td style="font-family:monospace">bajaj-allianz__health-guard-gold-individual</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">47</td><td>67</td><td>74</td><td>0</td><td>IN</td><td style="font-family:monospace">care-health__care-classic</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">47</td><td>58</td><td>83</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__health-premia</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">47</td><td>58</td><td>83</td><td>0</td><td>IN</td><td style="font-family:monospace">icici-lombard__health-advantedge</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">47</td><td>38</td><td>43</td><td>60</td><td>FB</td><td style="font-family:monospace">reliance-general__personal-accident</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#b58900">46</td><td>67</td><td>70</td><td>0</td><td>IN</td><td style="font-family:monospace">national-insurance__national-mediclaim-plus</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">46</td><td>25</td><td>14</td><td>100</td><td>FB</td><td style="font-family:monospace">indusind-general__hospi-care</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#b58900">45</td><td>75</td><td>61</td><td>0</td><td>IN</td><td style="font-family:monospace">icici-lombard__arogya-sanjeevani</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">45</td><td>58</td><td>78</td><td>0</td><td>IN</td><td style="font-family:monospace">national-insurance__national-parivar-plus</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">44</td><td>75</td><td>57</td><td>0</td><td>IN</td><td style="font-family:monospace">cholamandalam__arogya-sanjeevani</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">44</td><td>67</td><td>65</td><td>0</td><td>IN</td><td style="font-family:monospace">care-health__care-supreme</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">44</td><td>58</td><td>74</td><td>0</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__my-health-medisure-prime</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">43</td><td>67</td><td>61</td><td>0</td><td>IN</td><td style="font-family:monospace">new-india__floater-mediclaim</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">43</td><td>58</td><td>70</td><td>0</td><td>IN</td><td style="font-family:monospace">sbi-general__health-alpha</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">43</td><td>58</td><td>70</td><td>0</td><td>IN</td><td style="font-family:monospace">iffco-tokio__individual-health-protector</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">43</td><td>50</td><td>78</td><td>0</td><td>IN</td><td style="font-family:monospace">sbi-general__super-top-up</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#b58900">42</td><td>38</td><td>29</td><td>60</td><td>FB</td><td style="font-family:monospace">star-health__star-hospital-cash</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#b58900">41</td><td>58</td><td>65</td><td>0</td><td>IN</td><td style="font-family:monospace">iffco-tokio__family-health-protector</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">41</td><td>58</td><td>65</td><td>0</td><td>IN</td><td style="font-family:monospace">iffco-tokio__essential-health-plan</td><td style="font-size:12px;color:#555">SI LADDER SCHEDULE-DEFERRED — discrete list set at quote, but a RANGE is in the PDF → #81 recovers</td></tr><tr><td style="font-weight:700;color:#b58900">41</td><td>50</td><td>74</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__senior-first</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#b58900">41</td><td>50</td><td>74</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__aspire</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#b58900">40</td><td>67</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">go-digit__arogya-sanjeevani</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#b58900">40</td><td>50</td><td>70</td><td>0</td><td>IN</td><td style="font-family:monospace">tata-aig__medicare</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#b58900">40</td><td>50</td><td>70</td><td>0</td><td>IN</td><td style="font-family:monospace">aditya-birla__activ-assure-diamond</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">39</td><td>42</td><td>74</td><td>0</td><td>IN</td><td style="font-family:monospace">tata-aig__medicare-premier</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">38</td><td>50</td><td>65</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__rise</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">38</td><td>50</td><td>65</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__health-companion</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">38</td><td>50</td><td>65</td><td>0</td><td>IN</td><td style="font-family:monospace">bajaj-allianz__extra-care-plus</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">38</td><td>25</td><td>29</td><td>60</td><td>FB</td><td style="font-family:monospace">tata-aig__wellsurance-family</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#c0392b">38</td><td>25</td><td>29</td><td>60</td><td>FB</td><td style="font-family:monospace">tata-aig__criti-medicare</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#c0392b">37</td><td>50</td><td>61</td><td>0</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__total-health-plan</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">37</td><td>50</td><td>61</td><td>0</td><td>IN</td><td style="font-family:monospace">care-health__care-supreme-enhance</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">36</td><td>50</td><td>57</td><td>0</td><td>IN</td><td style="font-family:monospace">new-india__yuva-bharat</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">36</td><td>50</td><td>57</td><td>0</td><td>IN</td><td style="font-family:monospace">new-india__janata-mediclaim</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">36</td><td>50</td><td>57</td><td>0</td><td>IN</td><td style="font-family:monospace">iffco-tokio__health-protector-assure</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">36</td><td>50</td><td>57</td><td>0</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__optima-enhance</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">34</td><td>50</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">icici-lombard__health-shield-360-retail</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">34</td><td>50</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">icici-lombard__health-shield-360</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">34</td><td>50</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">care-health__ultimate-care</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">34</td><td>50</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">aditya-birla__activ-health-individual</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">34</td><td>42</td><td>61</td><td>0</td><td>IN</td><td style="font-family:monospace">go-digit__digit-health-insurance</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">34</td><td>42</td><td>61</td><td>0</td><td>IN</td><td style="font-family:monospace">bajaj-allianz__global-health-care</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">33</td><td>50</td><td>48</td><td>0</td><td>IN</td><td style="font-family:monospace">new-india__new-india-floater-mediclaim-policy</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">33</td><td>50</td><td>48</td><td>0</td><td>IN</td><td style="font-family:monospace">icici-lombard__health-booster-top-up</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">33</td><td>50</td><td>48</td><td>0</td><td>IN</td><td style="font-family:monospace">icici-lombard__complete-health-insurance-umbrella</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">33</td><td>50</td><td>48</td><td>0</td><td>IN</td><td style="font-family:monospace">care-health__supreme-enhance</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">31</td><td>42</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__health-plus-top-up</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">31</td><td>42</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">new-india__mediclaim-policy</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">31</td><td>42</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">iffco-tokio__health-protector-plus</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">31</td><td>42</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">hdfc-ergo__group-health-insurance</td><td style="font-size:12px;color:#555">SI not in wording (schedule-deferred); other fields partial</td></tr><tr><td style="font-weight:700;color:#c0392b">29</td><td>12</td><td>14</td><td>60</td><td>FB</td><td style="font-family:monospace">iffco-tokio__critical-illness-benefit</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#c0392b">29</td><td>12</td><td>14</td><td>60</td><td>FB</td><td style="font-family:monospace">bajaj-allianz__group-personal-accident</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#c0392b">29</td><td>12</td><td>14</td><td>60</td><td>FB</td><td style="font-family:monospace">bajaj-allianz__criti-care</td><td style="font-size:12px;color:#555">STRUCTURAL N/A — fixed-benefit PA/CI/cash (health fields don't apply; not in any health PDF)</td></tr><tr><td style="font-weight:700;color:#c0392b">28</td><td>42</td><td>43</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__reassure-3-0</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">28</td><td>42</td><td>43</td><td>0</td><td>IN</td><td style="font-family:monospace">care-health__care-advantage-add-ons-protect-plus-care-shield</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">28</td><td>42</td><td>43</td><td>0</td><td>IN</td><td style="font-family:monospace">bajaj-allianz__group-health-guard-silver</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">28</td><td>33</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">go-digit__digit-supreme-care</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">28</td><td>33</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">go-digit__digit-health-care-plus</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">28</td><td>33</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">acko__acko-health-iii-platinum-lite</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">28</td><td>33</td><td>52</td><td>0</td><td>IN</td><td style="font-family:monospace">acko__acko-health-iii-platinum</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">27</td><td>42</td><td>39</td><td>0</td><td>IN</td><td style="font-family:monospace">indusind-general__group-mediclaim</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">27</td><td>33</td><td>48</td><td>0</td><td>IN</td><td style="font-family:monospace">acko__acko-health-iii-platinum-super-top-up</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">25</td><td>33</td><td>43</td><td>0</td><td>IN</td><td style="font-family:monospace">go-digit__digit-top-up</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">24</td><td>33</td><td>39</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__reassure-2-0</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">24</td><td>25</td><td>48</td><td>0</td><td>IN</td><td style="font-family:monospace">acko__acko-health-iii</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">23</td><td>33</td><td>35</td><td>0</td><td>IN</td><td style="font-family:monospace">aditya-birla__group-activ-health</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">23</td><td>25</td><td>43</td><td>0</td><td>IN</td><td style="font-family:monospace">acko__acko-personal-health</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">23</td><td>25</td><td>43</td><td>0</td><td>IN</td><td style="font-family:monospace">acko__acko-health-ii</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">21</td><td>25</td><td>39</td><td>0</td><td>IN</td><td style="font-family:monospace">sbi-general__arogya-top-up</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">16</td><td>25</td><td>22</td><td>0</td><td>IN</td><td style="font-family:monospace">niva-bupa__saral-suraksha-bima</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr><tr><td style="font-weight:700;color:#c0392b">10</td><td>17</td><td>13</td><td>0</td><td>IN</td><td style="font-family:monospace">go-digit__digit-complete-care</td><td style="font-size:12px;color:#555">GENUINELY SPARSE in indexed PDF — dynamic-pricing/top-up (ACKO/go-digit): values live in the Schedule, not the wording</td></tr></table>