kb/methodology/glossary.json

{
  "PED": {
    "en": {
      "title": "Pre-Existing Disease (PED)",
      "body": "A health condition you already have when you buy the policy — diabetes, BP, thyroid, anything chronic. Most policies don't cover it for the first 24-48 months. Be honest about yours: hiding it gets your claim denied later."
    },
    "hi": {
      "title": "Pre-Existing Disease (पहले से चली आ रही बीमारी)",
      "body": "जो बीमारी आपको policy खरीदते समय पहले से है — diabetes, BP, थायरॉइड etc. ज़्यादातर policies शुरू के 24-48 महीनों में cover नहीं करतीं। ईमानदारी से बताइए, छिपाने से claim बाद में reject हो जाता है।"
    }
  },
  "AYUSH": {
    "en": {
      "title": "AYUSH coverage",
      "body": "Whether the policy pays for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments at recognised hospitals. If you use these traditional systems, this matters; if you only use allopathic care, less so."
    },
    "hi": {
      "title": "AYUSH कवर",
      "body": "क्या policy आयुर्वेद, योग, यूनानी, सिद्ध, और होम्योपैथी treatments को cover करती है। अगर आप इन पारंपरिक चिकित्सा का उपयोग करते हैं, यह ज़रूरी है।"
    }
  },
  "NCB": {
    "en": {
      "title": "No-Claim Bonus (NCB)",
      "body": "Reward for not claiming in a year — your sum insured goes up (typically 25-50%) without raising your premium. Bigger NCB compounds over years if you stay claim-free."
    },
    "hi": {
      "title": "No-Claim Bonus (NCB)",
      "body": "बिना claim किए साल पूरा करने का इनाम — sum insured बढ़ जाता है (आम तौर पर 25-50%) बिना premium बढ़ाए।"
    }
  },
  "SI": {
    "en": {
      "title": "Sum Insured (SI)",
      "body": "The maximum amount the insurer pays in a policy year. For a single hospitalisation in a metro, ₹10L is the floor; ₹20L+ is safer if you have parents or family to cover."
    },
    "hi": {
      "title": "Sum Insured (बीमित राशि)",
      "body": "एक policy साल में बीमाकर्ता अधिकतम कितना देगा। Metro में एक hospitalisation के लिए ₹10L न्यूनतम; ₹20L+ माता-पिता या परिवार के लिए सुरक्षित।"
    }
  },
  "CSR": {
    "en": {
      "title": "Claim Settlement Ratio (CSR)",
      "body": "Of every 100 claims the insurer received, how many they paid. IRDAI publishes this annually. <90% = caution; 95%+ = excellent. Single most predictive metric of 'will my claim get paid'."
    },
    "hi": {
      "title": "Claim Settlement Ratio",
      "body": "100 claims में से बीमाकर्ता कितने pay करता है। IRDAI सालाना publish करता है। <90% = सावधान; 95%+ = बढ़िया।"
    }
  },
  "Cashless": {
    "en": {
      "title": "Cashless treatment",
      "body": "You don't pay the hospital — the insurer pays them directly via a pre-authorisation. Only works at network hospitals. Without it, you pay upfront and file for reimbursement later."
    },
    "hi": {
      "title": "Cashless इलाज",
      "body": "आप hospital को सीधे payment नहीं करते — बीमाकर्ता pre-authorisation से payment करता है। सिर्फ network hospitals पर काम करता है।"
    }
  },
  "TAT": {
    "en": {
      "title": "Cashless TAT (Turnaround Time)",
      "body": "How fast the insurer approves your cashless pre-auth at the hospital desk. ≤2 hours = gold standard; ≥24h = your family pays cash first and waits for reimbursement."
    },
    "hi": {
      "title": "Cashless TAT",
      "body": "बीमाकर्ता hospital में cashless approval कितनी जल्दी देता है। ≤2 घंटे = बढ़िया; ≥24 घंटे = परिवार को पहले cash देना पड़ेगा।"
    }
  },
  "UIN": {
    "en": {
      "title": "Unique Identification Number (UIN)",
      "body": "IRDAI-assigned ID for each policy product — proves it's a regulator-approved plan. You can search a UIN on irdai.gov.in to verify the policy exists and see its filed terms."
    },
    "hi": {
      "title": "UIN (Unique ID)",
      "body": "IRDAI द्वारा हर policy को दिया गया ID — यह साबित करता है कि policy regulator से approved है।"
    }
  },
  "CoPay": {
    "en": {
      "title": "Co-payment",
      "body": "The % of every claim YOU pay out of pocket. 20% co-pay on a ₹5L hospital bill = you pay ₹1L; insurer pays ₹4L. Lower premium upfront, but bigger surprise at claim time."
    },
    "hi": {
      "title": "Co-payment",
      "body": "हर claim का जो % आप अपनी जेब से देते हैं। ₹5L hospital bill पर 20% co-pay = आप ₹1L दें, बीमाकर्ता ₹4L।"
    }
  },
  "Deductible": {
    "en": {
      "title": "Deductible",
      "body": "Fixed rupee amount you pay BEFORE the insurer starts paying. ₹50k deductible = first ₹50k of every claim is on you. Reduces premium significantly but adds out-of-pocket risk."
    },
    "hi": {
      "title": "Deductible",
      "body": "वो fixed amount जो आप बीमाकर्ता के payment शुरू करने से पहले देते हैं।"
    }
  },
  "Floater": {
    "en": {
      "title": "Family Floater",
      "body": "One sum insured shared by everyone in the family. ₹15L floater for 4 people = anyone (or everyone) can use up to ₹15L combined. Cheaper than individual policies if claims are rare."
    },
    "hi": {
      "title": "Family Floater",
      "body": "एक sum insured पूरे परिवार के लिए share होती है। 4 लोगों के लिए ₹15L floater = कोई भी ₹15L तक use कर सकता है।"
    }
  },
  "SubLimit": {
    "en": {
      "title": "Sub-limit",
      "body": "A cap WITHIN your sum insured for a specific treatment — e.g., room rent capped at 1% of SI, or maternity capped at ₹50k. Watch for these — they're the #1 reason actual reimbursement < bill."
    },
    "hi": {
      "title": "Sub-limit",
      "body": "Sum insured के अंदर कुछ खास treatments पर एक सीमा — जैसे room rent SI का 1%, या maternity ₹50k तक। यह सबसे बड़ी वजह है कि real payment bill से कम होता है।"
    }
  },
  "RoomRent": {
    "en": {
      "title": "Room rent capping",
      "body": "Some policies pay only up to a % of SI per day of hospital room — e.g., 1% of ₹5L = ₹5k/day. Choose a more expensive room and ALL your other charges get scaled down proportionally. Look for 'No room rent limit'."
    },
    "hi": {
      "title": "Room rent capping",
      "body": "कई policies hospital room के लिए सिर्फ SI का % देती हैं — जैसे 1% का ₹5L = ₹5k/दिन। महंगा कमरा लें तो सभी अन्य charges भी scale down हो जाते हैं।"
    }
  }
}