chore: drop legacy kb/policies/ MDs + gitignore backup folder

- Remove 31 kb/policies/*.md files superseded by the chroma-vector
retrieval path. The bot's RAG reads from rag/vectors/ (built from
rag/extracted/ JSONs at ingest time), not these markdown summaries.
- Remove kb/premiums/INDEX.md — empty stub from the premiums-tabulation
pipeline iteration; data lives in data/premiums/illustrative_premiums.json.
- Gitignore rag/_hf_dataset_backup/ — the local mirror of the HF Dataset.
Keeps the 493 MB backup out of the code repo (also mirrored to the
companion repo rohitsar567/insurance-sales-bot-data via Git LFS).

No runtime / behavior change. Cleanup only.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

.gitignore

@@ -74,3 +74,6 @@ logs/
 
 # OS
 Thumbs.db
+
+# Local backup of HF dataset (not for git — too large)
+rag/_hf_dataset_backup/

kb/policies/acko__acko-health-iii-platinum-super-top-up__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: acko__acko-health-iii-platinum-super-top-up__wordings
-insurer_slug: acko
-insurer_name: acko
-policy_name: "ACKO Health III (Platinum Super Top-up)"
-uin_code: ACKHLIP27040V012627
----
-
-# ACKO Health III (Platinum Super Top-up)
-
-**Insurer:** acko (`acko`)  
-**Policy ID:** `acko__acko-health-iii-platinum-super-top-up__wordings`  
-**UIN:** `ACKHLIP27040V012627`
-
-## Identity
-
-### UIN code
-
-**Value:** ACKHLIP27040V012627
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 0
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 180
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Free Look Period
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum-super-top-up__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/acko__acko-health-iii-platinum-super-top-up__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/acko__acko-health-iii-platinum__brochure.md

@@ -1,252 +0,0 @@
----
-policy_id: acko__acko-health-iii-platinum__brochure
-insurer_slug: acko
-insurer_name: acko
-policy_name: "ACKO Platinum"
----
-
-# ACKO Platinum
-
-**Insurer:** acko (`acko`)  
-**Policy ID:** `acko__acko-health-iii-platinum__brochure`
-
-## Identity
-
-### UIN code
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Free Look Period
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii-platinum__brochure.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/acko__acko-health-iii-platinum__brochure.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/acko__acko-health-iii__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: acko__acko-health-iii__wordings
-insurer_slug: acko
-insurer_name: acko
-policy_name: "Acko Health III"
-uin_code: ACKHLIP27040V012627
----
-
-# Acko Health III
-
-**Insurer:** acko (`acko`)  
-**Policy ID:** `acko__acko-health-iii__wordings`  
-**UIN:** `ACKHLIP27040V012627`
-
-## Identity
-
-### UIN code
-
-**Value:** ACKHLIP27040V012627
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Free Look Period
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/acko/acko-health-iii__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/acko__acko-health-iii__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/bajaj-allianz__extra-care-plus.md

@@ -1,300 +0,0 @@
----
-policy_id: bajaj-allianz__extra-care-plus
-insurer_slug: bajaj-allianz
-insurer_name: Bajaj Allianz General Insurance
-policy_name: "Bajaj Allianz Extra Care Plus (Super Top-up)"
-uin_code: BAJHLIP23069V032223
-source_pdf_path: rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf
-completeness_pct: 82
-curated_at: 2026-05-13
----
-
-# Bajaj Allianz Extra Care Plus (Super Top-up)
-
-**Insurer:** Bajaj Allianz General Insurance (`bajaj-allianz`)  
-**Policy ID:** `bajaj-allianz__extra-care-plus`  
-**UIN:** `BAJHLIP23069V032223`  
-**Curation completeness:** 82%  
-**Primary source PDF:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`  
-**Curated at:** 2026-05-13
-
-> _Curation note: Super top-up product; SI options and deductibles configured per Policy Schedule. CSR + network count are insurer-level._
-
-## Identity
-
-### UIN code
-
-**Value:** BAJHLIP23069V032223
-
-**Source quote:**
-
-> CIN:U66010PN2000PLC015329I UIN: BAJHLIP23069V032223
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Policy type
-
-**Value:** super_top_up
-
-**Source quote:**
-
-> Aggregate deductible ... applicable in aggregate towards hospitalization expenses incurred during the policy period (super top-up structure)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 3 months
-
-**Source quote:**
-
-> age of 3 months and is not older than 80years of age at the commencement of the Policy Period.
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** 80 years
-
-**Source quote:**
-
-> age of 3 months and is not older than 80years of age at the commencement of the Policy Period.
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Renewal terms permit continuation; max renewal age not specified explicitly in wording
-
-**Source:** _(no source path on record)_
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured selectable with Aggregate Deductible options (super top-up structure); option list specified in Policy Schedule
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> 3. 30-day waiting period (Excl03) a. Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 12
-
-**Source quote:**
-
-> 1. Pre-existing Diseases waiting period (Excl01) a. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 12
-
-**Source quote:**
-
-> 2. Specified disease/procedure waiting period- (Excl02) a. Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** 12
-
-**Source quote:**
-
-> Any treatment arising from or traceable to pregnancy ... until 12 months continuous period has elapsed since the inception of the first Extra Care Plus
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> The medical expenses incurred in the 60 days period immediately before you were hospitalised
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 90
-
-**Source quote:**
-
-> The medical expenses incurred in the 90 days period immediately after you were discharged
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Day Care Treatment (defined per IRDAI; covered under hospitalization cover)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> AYUSH Day Care Centre / AYUSH Hospital defined (AYUSH In-patient hospitalization covered)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> 2. Maternity Expenses ... We will cover the Medical expenses for maternity including complications of maternity over and above the aggregate deductible limit
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Newborn coverage
-
-**Value:** No
-
-**Source quote:**
-
-> 2. Any Medical Expenses of the new born baby (excluded)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Organ donor expenses
-
-**Value:** Yes
-
-**Source quote:**
-
-> Organ Donor Expenses are covered under the policy (donor's hospitalization expenses for organ harvesting)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Restoration benefit not a base feature of Extra Care Plus super top-up (typical for top-up products)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Room rent capping
-
-**Value:** No specific room rent capping in base (subject to Policy Schedule)
-
-**Source quote:**
-
-> Reasonable and Customary Medical Expenses ... subject to aggregate deductible (no explicit room rent sub-limit in benefit table)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 0
-
-**Source quote:**
-
-> Co-payment ... A co-payment does not reduce the Sum Insured. (Defined but no mandatory base copay in Extra Care Plus)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Deductible
-
-**Value:** Aggregate Deductible (selectable; per Policy Schedule)
-
-**Source quote:**
-
-> Aggregate deductible is a cost sharing requirement under this policy that provides the company will not be liable for a specified rupee amount
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (Bajaj Allianz advertises 7,500+ network hospitals)
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless facility ... extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured (defined and operational)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (IRDAI Annual Report); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT not specified in policy wording; governed by IRDAI Master Circular
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Reference to 'No Claim Bonus' carry-over on renewal exists; explicit base NCB % for Extra Care Plus super-top-up varies by variant (not stated as fixed % in wording)
-
-**Source:** `rag/corpus/bajaj-allianz/extra-care-plus__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/bajaj-allianz__extra-care-plus.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/bajaj-allianz__silver-health.md

@@ -1,300 +0,0 @@
----
-policy_id: bajaj-allianz__silver-health
-insurer_slug: bajaj-allianz
-insurer_name: Bajaj Allianz General Insurance
-policy_name: "Bajaj Allianz Silver Health (Senior Citizen)"
-uin_code: BAJHLIP23213V052223
-source_pdf_path: rag/corpus/bajaj-allianz/silver-health__cis.pdf
-completeness_pct: 65
-curated_at: 2026-05-14
----
-
-# Bajaj Allianz Silver Health (Senior Citizen)
-
-**Insurer:** Bajaj Allianz General Insurance (`bajaj-allianz`)  
-**Policy ID:** `bajaj-allianz__silver-health`  
-**UIN:** `BAJHLIP23213V052223`  
-**Curation completeness:** 65%  
-**Primary source PDF:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Pattern-based extraction from local PDF via pdfplumber. Insurer-level metrics (CSR, network count) left null pending downstream backfill._
-
-## Identity
-
-### UIN code
-
-**Value:** BAJHLIP23213V052223
-
-**Source quote:**
-
-> U66010PN2000PLC015329 • UIN: BAJHLIP23213V052223 1 Bajaj Allianz General Insurance Co. Ltd. Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006. Reg. No.: 113 For more details, log on to: www.
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Policy type
-
-**Value:** indemnity
-
-**Source quote:**
-
-> Default indemnity (no explicit alternate type detected)
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Min entry age not found
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max entry age not explicitly stated; check Policy Schedule
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max renewal age not specified; check Policy Schedule
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured options not enumerated in extracted text; check Policy Schedule
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> Default IRDAI 30-day waiting period applies (not explicitly quoted in extracted snippet)
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 12
-
-**Source quote:**
-
-> ariatric Surgery 13. Fistulae Pre-existing diseases waiting period: 12 months 36 months (plan A) & 24 Months (plan B) – for below procedure 1. Joint replacement surgery unless necessitated by accident
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> Default IRDAI 24-month specific-disease waiting (not explicitly quoted)
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Maternity waiting not specified or maternity excluded
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> . Pre-Hospitalization - up to 30 days prior to date of admission in hospital Section C2 Post-Hospitalization- up to 60 days from date of discharge from the hospital Section C3 Road Ambulance - max. up
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Post-hospitalization days not extracted
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Day-care count not enumerated; covered per policy definition
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### AYUSH coverage
-
-**Value:** No
-
-**Source quote:**
-
-> AYUSH coverage not found in extracted text
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Maternity not explicitly mentioned; presumed excluded in base
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Newborn coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Newborn cover not found; typically tied to maternity option
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Organ donor expenses
-
-**Value:** No
-
-**Source quote:**
-
-> Organ donor cover not extracted
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Restoration benefit not found in extracted text
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Room rent capping
-
-**Value:** room rent limit of 1%
-
-**Source quote:**
-
-> room rent limit of 1%
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 10
-
-**Source quote:**
-
-> l Plan B Which will be claims 10% co-payment deducted from (Each and every admissible claim) total claim amount Co-payment on Non- 20% on each and every admissi
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Deductible
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No base deductible (or only optional voluntary deductible add-on)
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric; not extracted in this curation pass
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> ver is lower 10 Claims/claims Cashless Claim processCashless treatment is only available at Network Section E 21 procedure Hospitals A & B  You or Your representative must intimate Us 48 hours before
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (IRDAI Annual Report); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT not specified in policy wording; governed by IRDAI Master Circular
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> NCB % not extracted; product may use booster/recharge structure
-
-**Source:** `rag/corpus/bajaj-allianz/silver-health__cis.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/bajaj-allianz__silver-health.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/care-health__care-supreme.md

@@ -1,300 +0,0 @@
----
-policy_id: care-health__care-supreme
-insurer_slug: care-health
-insurer_name: Care Health Insurance
-policy_name: "Care Health Care Supreme"
-uin_code: CHIHLIP23128V012223
-source_pdf_path: rag/corpus/care-health/care-supreme__wordings.pdf
-completeness_pct: 82
-curated_at: 2026-05-13
----
-
-# Care Health Care Supreme
-
-**Insurer:** Care Health Insurance (`care-health`)  
-**Policy ID:** `care-health__care-supreme`  
-**UIN:** `CHIHLIP23128V012223`  
-**Curation completeness:** 82%  
-**Primary source PDF:** `rag/corpus/care-health/care-supreme__wordings.pdf`  
-**Curated at:** 2026-05-13
-
-> _Curation note: Care Supreme base wordings; SI options/day-care count per Policy Schedule/Annexure. CSR + network count insurer-level._
-
-## Identity
-
-### UIN code
-
-**Value:** CHIHLIP23128V012223
-
-**Source quote:**
-
-> Care Supreme- CHIHLIP23128V012223
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Policy type
-
-**Value:** indemnity
-
-**Source quote:**
-
-> Hospitalization Expenses ... indemnify the Insured Person ... up to the Sum Insured (indemnity-based)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> Newborn baby ... Policy Period and is aged up to 90 days. (Standard Care Supreme entry: 91 days for dependent children)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No maximum entry age cap in base wording — adult entry 18+; child 91 days to 25 years
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Lifelong renewability per Renewal clause
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured options per Policy Schedule (Care Supreme commercial variants: 7L / 10L / 15L / 25L / 50L / 1Cr / 3Cr / 6Cr / Unlimited)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> (iii) 30-day waiting period- Code- Excl03 ... any illness within 30 days
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> Pre-Existing Diseases ... shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> Named Ailment Waiting Period: Code- Excl02 ... excluded until the expiry of 24 months of continuous coverage
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Maternity expenses defined but NOT a base benefit in Care Supreme (optional cover or not offered in base policy)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> (i) For a period of 60 days immediately prior to the Insured Person's date of in-patient admission
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 180
-
-**Source quote:**
-
-> i) For a period of 180 days immediately ... days after the completion of 180 days
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Benefit: Day Care Treatment ... all Day Care Treatments through Cashless (no fixed count in wording; Care Supreme brochure cites 540+)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> AYUSH Day Care Centre means and includes Community Health Centre (CHC), Primary Health Centre (PHC) ... (AYUSH covered)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Maternity expenses defined but not included as a base benefit in Care Supreme wording (separately offered via 'Care Supreme Enhance' add-on)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Newborn coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Newborn baby ... aged up to 90 days (definition only; coverage tied to maternity which is not a base benefit)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Organ donor expenses
-
-**Value:** Yes
-
-**Source quote:**
-
-> Organ Donor expenses covered for organ harvesting; pre/post hospitalization of donor excluded
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** Unlimited Automatic Recharge of base Sum Insured (unlimited times per policy year)
-
-**Source quote:**
-
-> 3.1.4 Benefit : Unlimited Automatic Recharge ... automatically make the re-instatement of up to the base Sum Insured unlimited times in a policy year
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Room rent capping
-
-**Value:** No limit on Room Rent and ICU charges (base benefit)
-
-**Source quote:**
-
-> i. The eligible Room Rent or Room Category applicable for the Insured Person under the Policy is 'No limit' ... ii. Intensive Care Unit Charges (ICU Charges) ... 'No limit'
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 0
-
-**Source quote:**
-
-> co-payment does not reduce the sum insured (base copay 0% for under-61 entrants; additional copay only if treatment outside Annexure III hospitals)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Deductible
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No base deductible in Care Supreme
-
-**Source:** _(no source path on record)_
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric; Care Health Insurance advertises 21,100+ network hospitals on its website (not extracted)
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless Facility provided through Network Provider (defined in Section 2.1.30)
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (IRDAI Annual Report); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT governed by IRDAI Master Circular; not explicit in wording
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** 50
-
-**Source quote:**
-
-> At the end of each Policy Year, the Company will enhance the Sum Insured by 50% flat, on a cumulative basis, as a Cumulative Bonus ... accrued Cumulative Bonus, shall not exceed 100% of the Sum Insured
-
-**Source:** `rag/corpus/care-health/care-supreme__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/care-health__care-supreme.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/care-health__ultimate-care.md

@@ -1,300 +0,0 @@
----
-policy_id: care-health__ultimate-care
-insurer_slug: care-health
-insurer_name: Care Health Insurance
-policy_name: "Care Health Ultimate Care"
-uin_code: CHIHLIP25044V012425
-source_pdf_path: rag/corpus/care-health/ultimate-care__wordings.pdf
-completeness_pct: 60
-curated_at: 2026-05-14
----
-
-# Care Health Ultimate Care
-
-**Insurer:** Care Health Insurance (`care-health`)  
-**Policy ID:** `care-health__ultimate-care`  
-**UIN:** `CHIHLIP25044V012425`  
-**Curation completeness:** 60%  
-**Primary source PDF:** `rag/corpus/care-health/ultimate-care__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Pattern-based extraction from local PDF via pdfplumber. Insurer-level metrics (CSR, network count) left null pending downstream backfill._
-
-## Identity
-
-### UIN code
-
-**Value:** CHIHLIP25044V012425
-
-**Source quote:**
-
-> ch 2025 Ultimate Care - UIN : CHIHLIP25044V012425 1. PREAMBLE: The proposal and declaration given by the proposer and other documents if any shall form the basis of this Contract and is deemed to be i
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Policy type
-
-**Value:** hospital-cash
-
-**Source quote:**
-
-> Hospital cash / daily benefit policy
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Min entry age not found
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max entry age not explicitly stated; check Policy Schedule
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max renewal age not specified; check Policy Schedule
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured options not enumerated in extracted text; check Policy Schedule
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> ancy, please inform us within 30 days from the date of receipt of the policy, failing which the details relating to the person/s covered would be taken as correct. So also the coverage details may als
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> PED waiting period not extracted; check Section 5 / Excl01
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> Default IRDAI 24-month specific-disease waiting (not explicitly quoted)
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Maternity waiting not specified or maternity excluded
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Pre-hospitalization days not extracted
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Post-hospitalization days not extracted
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Day-care count not enumerated; covered per policy definition
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> ble and violent means. 2.1.2. AYUSH Hospital is a healthcare facility wherein medical/ surgical/ para-surgical treatment procedures and interventions are carried out by AYUSH Medical Practitioner(s) c
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Maternity not explicitly mentioned; presumed excluded in base
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Newborn coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> Newborn baby means baby born during the Policy Period and is aged up to 90 days. 2.1.34. Non-Network Provider: Non-
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Organ donor expenses
-
-**Value:** Yes
-
-**Source quote:**
-
-> Organ Donor Cover, Ambulance Cover, Optional Benefit- Unlimited Care, Pre–Post Hospitalization Expenses Modification , Claim Shield, Durable Medical Equipment, and the event giving rise to a Claim und
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** restore him to the
-
-**Source quote:**
-
-> restore him to the
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Room rent capping
-
-**Value:** Single Private AC Room means an air conditioned room in a
-
-**Source quote:**
-
-> Single Private AC Room means an air conditioned room in a
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 0
-
-**Source quote:**
-
-> No mandatory copay extracted; product may have age-based or zone-based optional copay
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Deductible
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No base deductible (or only optional voluntary deductible add-on)
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric; not extracted in this curation pass
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> CHIHLIP25044V012425 2 2.1.6. Cashless Facility means a facility extended by the insurer to the Insured where the payments, of the costs of treatment undergone by the insured in accordance with the Pol
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (IRDAI Annual Report); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT not specified in policy wording; governed by IRDAI Master Circular
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> NCB % not extracted; product may use booster/recharge structure
-
-**Source:** `rag/corpus/care-health/ultimate-care__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/care-health__ultimate-care.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/go-digit__arogya-sanjeevani__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: go-digit__arogya-sanjeevani__wordings
-insurer_slug: go-digit
-insurer_name: go-digit
-policy_name: "Arogya Sanjeevani Policy, Go Digit"
-uin_code: GODHLIP24179V022324
----
-
-# Arogya Sanjeevani Policy, Go Digit
-
-**Insurer:** go-digit (`go-digit`)  
-**Policy ID:** `go-digit__arogya-sanjeevani__wordings`  
-**UIN:** `GODHLIP24179V022324`
-
-## Identity
-
-### UIN code
-
-**Value:** GODHLIP24179V022324
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Sum insured options
-
-**Value:** 100000, 200000, 300000, 400000, 500000, 1000000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/arogya-sanjeevani__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/go-digit__arogya-sanjeevani__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/go-digit__digit-health-care-plus__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: go-digit__digit-health-care-plus__wordings
-insurer_slug: go-digit
-insurer_name: go-digit
-policy_name: "Digit Health Care Plus Policy"
-uin_code: GODHLIP27048V052627
----
-
-# Digit Health Care Plus Policy
-
-**Insurer:** go-digit (`go-digit`)  
-**Policy ID:** `go-digit__digit-health-care-plus__wordings`  
-**UIN:** `GODHLIP27048V052627`
-
-## Identity
-
-### UIN code
-
-**Value:** GODHLIP27048V052627
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** 9
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 180
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-health-care-plus__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/go-digit__digit-health-care-plus__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/go-digit__digit-supreme-care__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: go-digit__digit-supreme-care__wordings
-insurer_slug: go-digit
-insurer_name: go-digit
-policy_name: "Digit Supreme Care Policy"
-uin_code: GODHLGP24055V012324
----
-
-# Digit Supreme Care Policy
-
-**Insurer:** go-digit (`go-digit`)  
-**Policy ID:** `go-digit__digit-supreme-care__wordings`  
-**UIN:** `GODHLGP24055V012324`
-
-## Identity
-
-### UIN code
-
-**Value:** GODHLGP24055V012324
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** 9
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 180
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/go-digit/digit-supreme-care__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/go-digit__digit-supreme-care__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/hdfc-ergo__my-health-women-suraksha__brochure.md

@@ -1,254 +0,0 @@
----
-policy_id: hdfc-ergo__my-health-women-suraksha__brochure
-insurer_slug: hdfc-ergo
-insurer_name: HDFC ERGO General Insurance
-policy_name: "my:health Women Suraksha"
-uin_code: HDFHLIP22142V032122
----
-
-# my:health Women Suraksha
-
-**Insurer:** HDFC ERGO General Insurance (`hdfc-ergo`)  
-**Policy ID:** `hdfc-ergo__my-health-women-suraksha__brochure`  
-**UIN:** `HDFHLIP22142V032122`
-
-## Identity
-
-### UIN code
-
-**Value:** HDFHLIP22142V032122
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Sum insured options
-
-**Value:** 100000, 200000, 300000, 400000, 500000, 1000000, 2000000, 5000000, 10000000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 90
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 6
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/hdfc-ergo/my-health-women-suraksha__brochure.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/hdfc-ergo__my-health-women-suraksha__brochure.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/hdfc-ergo__my-optima-secure-older-variant__wordings.md

@@ -1,261 +0,0 @@
----
-policy_id: hdfc-ergo__my-optima-secure-older-variant__wordings
-insurer_slug: hdfc-ergo
-insurer_name: HDFC ERGO General Insurance
-policy_name: "My Optima Secure Older Variant"
-source_pdf_path: rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf
-completeness_pct: 36
-curated_at: 2026-05-14
----
-
-# My Optima Secure Older Variant
-
-**Insurer:** HDFC ERGO General Insurance (`hdfc-ergo`)  
-**Policy ID:** `hdfc-ergo__my-optima-secure-older-variant__wordings`  
-**Curation completeness:** 36%  
-**Primary source PDF:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Curated by tools/curate_remaining.py — pattern-based extraction from local PDF_
-
-## Identity
-
-### UIN code
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Policy type
-
-**Value:** group
-
-**Source quote:**
-
-> classified as group from PDF heuristics
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 99
-
-**Source quote:**
-
-> Lifelong Renew
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> Pre-Hospitalization Medical expenses for 60 days
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 180
-
-**Source quote:**
-
-> Post Hospitalization Medical expenses incurred in 180 days
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** restoration under the Automatic
-
-**Source quote:**
-
-> restoration under the Automatic
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Room rent capping
-
-**Value:** Room Rent Section B-1.1
-iii. Road Ambulance up to
-
-**Source quote:**
-
-> Room Rent Section B-1.1
-iii. Road Ambulance up to
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless Facility
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** 10
-
-**Source quote:**
-
-> Cumulative Bonus (CB) 2. Optional Covers
-Cumulative Bonus (CB) will be applied/increased by 10%
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/hdfc-ergo__my-optima-secure-older-variant__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/hdfc-ergo__my-optima-secure__wordings.md

@@ -1,260 +0,0 @@
----
-policy_id: hdfc-ergo__my-optima-secure__wordings
-insurer_slug: hdfc-ergo
-insurer_name: HDFC ERGO General Insurance
-policy_name: "My Optima Secure"
-source_pdf_path: rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf
-completeness_pct: 27
-curated_at: 2026-05-14
----
-
-# My Optima Secure
-
-**Insurer:** HDFC ERGO General Insurance (`hdfc-ergo`)  
-**Policy ID:** `hdfc-ergo__my-optima-secure__wordings`  
-**Curation completeness:** 27%  
-**Primary source PDF:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Curated by tools/curate_remaining.py — pattern-based extraction from local PDF_
-
-## Identity
-
-### UIN code
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Policy type
-
-**Value:** hospital_cash
-
-**Source quote:**
-
-> classified as hospital_cash from PDF heuristics
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured for this optional c
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> Pre-Hospitalization expenses days from 60 days
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 180
-
-**Source quote:**
-
-> Post-Hospitalization expenses days from 180 days
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Room rent capping
-
-**Value:** Room rent expenses shall be covered
-upto 1%
-
-**Source quote:**
-
-> Room rent expenses shall be covered
-upto 1%
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless facility
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** 10
-
-**Source quote:**
-
-> Cumulative bonus from 10%
-
-**Source:** `rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/hdfc-ergo__my-optima-secure__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/icici-lombard__complete-health-insurance-umbrella__wordings.md

@@ -1,264 +0,0 @@
----
-policy_id: icici-lombard__complete-health-insurance-umbrella__wordings
-insurer_slug: icici-lombard
-insurer_name: ICICI Lombard General Insurance
-policy_name: "Complete Health Insurance Umbrella"
-uin_code: ICIHLIP23144V072223
-source_pdf_path: rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf
-completeness_pct: 41
-curated_at: 2026-05-14
----
-
-# Complete Health Insurance Umbrella
-
-**Insurer:** ICICI Lombard General Insurance (`icici-lombard`)  
-**Policy ID:** `icici-lombard__complete-health-insurance-umbrella__wordings`  
-**UIN:** `ICIHLIP23144V072223`  
-**Curation completeness:** 41%  
-**Primary source PDF:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Curated by tools/curate_remaining.py — pattern-based extraction from local PDF_
-
-## Identity
-
-### UIN code
-
-**Value:** ICIHLIP23144V072223
-
-**Source quote:**
-
-> UIN : ICIHLIP23144V072223
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Policy type
-
-**Value:** group
-
-**Source quote:**
-
-> classified as group from PDF heuristics
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured for each of the Optional C
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 3
-
-**Source quote:**
-
-> Pre-Existing Condition/Disease(s) or any Illness or Injury which existed within the first 3 months
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> AYUSH Treatment at a AYUSH Hospital or AYUSH Day Care Centre.
-ii. This Cover will be provided on reimburs
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Maternity Cover has been opted for.
-ii. Specific Exclusion (Exclusions other than those mentioned under e.i above)
-a. An
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Room rent capping
-
-**Value:** Room Rent charges up to
-
-**Source quote:**
-
-> Room Rent charges up to
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 10
-
-**Source quote:**
-
-> Co-payment of 10%
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless Facility
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** 20
-
-**Source quote:**
-
-> Cumulative Bonus (GCB)
-We will provide a Cumulative Bonus of 20%
-
-**Source:** `rag/corpus/icici-lombard/complete-health-insurance-umbrella__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/icici-lombard__complete-health-insurance-umbrella__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/icici-lombard__elevate__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: icici-lombard__elevate__wordings
-insurer_slug: icici-lombard
-insurer_name: ICICI Lombard General Insurance
-policy_name: "Elevate"
-uin_code: ICIHLIP25048V042425
----
-
-# Elevate
-
-**Insurer:** ICICI Lombard General Insurance (`icici-lombard`)  
-**Policy ID:** `icici-lombard__elevate__wordings`  
-**UIN:** `ICIHLIP25048V042425`
-
-## Identity
-
-### UIN code
-
-**Value:** ICIHLIP25048V042425
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Sum insured options
-
-**Value:** 500000, 1000000, 1500000, 2000000, 2500000, 5000000, 10000000, 20000000, 30000000, 50000000, 100000000, 300000000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 180
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** 7500
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/icici-lombard/elevate__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/icici-lombard__elevate__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/manipalcigna__prohealth-protect.md

@@ -1,300 +0,0 @@
----
-policy_id: manipalcigna__prohealth-protect
-insurer_slug: manipalcigna
-insurer_name: ManipalCigna Health Insurance
-policy_name: "ManipalCigna ProHealth Protect (Protect plan variant)"
-uin_code: MCIHLIP24011V072324
-source_pdf_path: rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf
-completeness_pct: 82
-curated_at: 2026-05-13
----
-
-# ManipalCigna ProHealth Protect (Protect plan variant)
-
-**Insurer:** ManipalCigna Health Insurance (`manipalcigna`)  
-**Policy ID:** `manipalcigna__prohealth-protect`  
-**UIN:** `MCIHLIP24011V072324`  
-**Curation completeness:** 82%  
-**Primary source PDF:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`  
-**Curated at:** 2026-05-13
-
-> _Curation note: ProHealth Protect is the entry tier of ProHealth family. 48-month PED, no maternity, 90-day post-hospitalization._
-
-## Identity
-
-### UIN code
-
-**Value:** MCIHLIP24011V072324
-
-**Source quote:**
-
-> ManipalCigna ProHealth Insurance | Terms & Conditions | UIN: MCIHLIP24011V072324 | April 2023
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Policy type
-
-**Value:** indemnity
-
-**Source quote:**
-
-> indemnity-based
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> Child entry standard 91 days (per Policy Schedule)
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Adult entry per Policy Schedule (ProHealth Protect: 18-65 years standard)
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Lifelong renewability
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> SI options per Policy Schedule (Protect variant typically lower range: 2.5L / 3L / 4.5L / 5L)
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> 30-day waiting period applies to illness (standard IRDAI clause)
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 48
-
-**Source quote:**
-
-> applicable months (24 months for Preferred, Premier plan/ 36 months for Plus, Accumulate plan/ 48 months for Protect plan) of continuous coverage
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> Specified disease/procedure Waiting Period ... excluded until the expiry of 24 months of continuous coverage
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> E.I.18. Maternity Code-Excl 18 (applicable to Protect and Accumulate plan) — i.e., maternity is EXCLUDED in Protect variant
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> Pre-hospitalization Medical Expenses Covered up to 60 days before date of hospitalization
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 90
-
-**Source quote:**
-
-> Post-hospitalization Medical Expenses Covered up to 90 days post discharge from hospital (Protect variant)
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> For the list of Day Care Treatments refer Annexure II of the Policy.
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> AYUSH Cover Covered up to full Sum Insured
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> E.I.18. Maternity Code-Excl 18 (applicable to Protect and Accumulate plan) — maternity EXCLUDED in Protect
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Newborn coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Maternity excluded in Protect; newborn linked to maternity
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Organ donor expenses
-
-**Value:** Yes
-
-**Source quote:**
-
-> Donor Expenses (Hospitalization Expenses of the donor providing the organ) Covered up to full Sum Insured
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** Multiple Restoration available for unrelated illnesses
-
-**Source quote:**
-
-> Restoration of Sum Insured ... Multiple Restoration is available in a Policy Year for unrelated illnesses
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Room rent capping
-
-**Value:** Up to any Room Category except Suite or higher (for SI ≥ ₹7.5 Lacs); lower SI variants have room-category caps
-
-**Source quote:**
-
-> Inpatient Room For Sum Insured ₹7.5 Lacs and Above - Covered up to any Room Category
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 0
-
-**Source quote:**
-
-> Mandatory co-payment of 20% for Insured Persons Aged 65 years and above (waiver of mandatory copay available; base copay 0% for under-65)
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Deductible
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No base deductible
-
-**Source:** _(no source path on record)_
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (ManipalCigna 8,500+); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless facility through Network Provider
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric; not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT governed by IRDAI Master Circular
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** 25
-
-**Source quote:**
-
-> Cumulative Bonus A guaranteed 25% increase in Sum Insured per policy year, maximum up to 200% of Sum Insured
-
-**Source:** `rag/corpus/manipalcigna/prohealth-insurance-all-variants__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/manipalcigna__prohealth-protect.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/national-insurance__national-critical-illness__cis.md

@@ -1,254 +0,0 @@
----
-policy_id: national-insurance__national-critical-illness__cis
-insurer_slug: national-insurance
-insurer_name: national-insurance
-policy_name: "National Critical Illness Policy"
-uin_code: NlCHLIP18086V011718
----
-
-# National Critical Illness Policy
-
-**Insurer:** national-insurance (`national-insurance`)  
-**Policy ID:** `national-insurance__national-critical-illness__cis`  
-**UIN:** `NlCHLIP18086V011718`
-
-## Identity
-
-### UIN code
-
-**Value:** NlCHLIP18086V011718
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Sum insured options
-
-**Value:** 100000, 200000, 300000, 400000, 500000, 600000, 700000, 800000, 900000, 1000000, 1500000, 2000000, 2500000, 3000000, 3500000, 4000000, 4500000, 5000000, 5500000, 6000000, 6500000, 7000000, 7500000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 90
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 48
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-critical-illness__cis.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/national-insurance__national-critical-illness__cis.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/national-insurance__national-hospi-cash__prospectus.md

@@ -1,254 +0,0 @@
----
-policy_id: national-insurance__national-hospi-cash__prospectus
-insurer_slug: national-insurance
-insurer_name: national-insurance
-policy_name: "National Hospi Cash Policy"
-uin_code: NICHLIP25046V012425
----
-
-# National Hospi Cash Policy
-
-**Insurer:** national-insurance (`national-insurance`)  
-**Policy ID:** `national-insurance__national-hospi-cash__prospectus`  
-**UIN:** `NICHLIP25046V012425`
-
-## Identity
-
-### UIN code
-
-**Value:** NICHLIP25046V012425
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Sum insured options
-
-**Value:** 500, 1000, 2000, 3000, 5000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Min Child Entry Age
-
-**Value:** 90 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-hospi-cash__prospectus.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/national-insurance__national-hospi-cash__prospectus.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/national-insurance__national-mediclaim__prospectus.md

@@ -1,254 +0,0 @@
----
-policy_id: national-insurance__national-mediclaim__prospectus
-insurer_slug: national-insurance
-insurer_name: national-insurance
-policy_name: "National Mediclaim Policy"
-uin_code: NICHLIP25036V082425
----
-
-# National Mediclaim Policy
-
-**Insurer:** national-insurance (`national-insurance`)  
-**Policy ID:** `national-insurance__national-mediclaim__prospectus`  
-**UIN:** `NICHLIP25036V082425`
-
-## Identity
-
-### UIN code
-
-**Value:** NICHLIP25036V082425
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Sum insured options
-
-**Value:** 100000, 200000, 300000, 400000, 500000, 600000, 700000, 800000, 900000, 1000000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 45
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Min Child Entry Age
-
-**Value:** 90 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-mediclaim__prospectus.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/national-insurance__national-mediclaim__prospectus.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/national-insurance__national-surrogacy__cis.md

@@ -1,254 +0,0 @@
----
-policy_id: national-insurance__national-surrogacy__cis
-insurer_slug: national-insurance
-insurer_name: national-insurance
-policy_name: "National Surrogacy Insurance Policy"
-uin_code: NICHLIP25042V012425
----
-
-# National Surrogacy Insurance Policy
-
-**Insurer:** national-insurance (`national-insurance`)  
-**Policy ID:** `national-insurance__national-surrogacy__cis`  
-**UIN:** `NICHLIP25042V012425`
-
-## Identity
-
-### UIN code
-
-**Value:** NICHLIP25042V012425
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 25 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Maximum entry age
-
-**Value:** 35 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Sum insured options
-
-**Value:** 200000, 300000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Grace Period
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Min Child Entry Age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-surrogacy__cis.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/national-insurance__national-surrogacy__cis.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/national-insurance__national-young-india-plus__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: national-insurance__national-young-india-plus__wordings
-insurer_slug: national-insurance
-insurer_name: national-insurance
-policy_name: "National Young India Mediclaim Plus Policy"
-uin_code: NICHLIP24127V012324
----
-
-# National Young India Mediclaim Plus Policy
-
-**Insurer:** national-insurance (`national-insurance`)  
-**Policy ID:** `national-insurance__national-young-india-plus__wordings`  
-**UIN:** `NICHLIP24127V012324`
-
-## Identity
-
-### UIN code
-
-**Value:** NICHLIP24127V012324
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** 45 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Sum insured options
-
-**Value:** 500000, 1000000, 1500000, 2500000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 45
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/national-insurance/national-young-india-plus__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/national-insurance__national-young-india-plus__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/niva-bupa__health-plus-top-up.md

@@ -1,300 +0,0 @@
----
-policy_id: niva-bupa__health-plus-top-up
-insurer_slug: niva-bupa
-insurer_name: Niva Bupa Health Insurance
-policy_name: "Niva Bupa Health Plus (Top-up)"
-uin_code: NBHHLIP24135V012324
-source_pdf_path: rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf
-completeness_pct: 65
-curated_at: 2026-05-14
----
-
-# Niva Bupa Health Plus (Top-up)
-
-**Insurer:** Niva Bupa Health Insurance (`niva-bupa`)  
-**Policy ID:** `niva-bupa__health-plus-top-up`  
-**UIN:** `NBHHLIP24135V012324`  
-**Curation completeness:** 65%  
-**Primary source PDF:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Pattern-based extraction from local PDF via pdfplumber. Insurer-level metrics (CSR, network count) left null pending downstream backfill._
-
-## Identity
-
-### UIN code
-
-**Value:** NBHHLIP24135V012324
-
-**Source quote:**
-
-> t Name: Health+, Product UIN: NBHHLIP24135V012324 2.1.7. Cumulative Bonus means any increase or addition in the Sum Insured granted by the insurer without an associated increase in premium 2.1.8. Day
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Policy type
-
-**Value:** top-up
-
-**Source quote:**
-
-> Top-up / super top-up policy (per product name)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Min entry age not found
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max entry age not explicitly stated; check Policy Schedule
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max renewal age not specified; check Policy Schedule
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured options not enumerated in extracted text; check Policy Schedule
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> eatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered. b. This exclusion shall not, ho
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> PED waiting period not extracted; check Section 5 / Excl01
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> Default IRDAI 24-month specific-disease waiting (not explicitly quoted)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Maternity waiting not specified or maternity excluded
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> therapy, diagnostic tests for 30 days before the date of admission and 60 days after date of discharge IF these are related to the condition for which in-patient claim is paid. Conditions: a. We have
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> ore the date of admission and 60 days after date of discharge IF these are related to the condition for which in-patient claim is paid. Conditions: a. We have accepted a claim under Section 3.1 (Inpat
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Day-care count not enumerated; covered per policy definition
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> Policy covers Allopathic and AYUSH treatments taken in India ONLY. 2. Definitions It is IMPORTANT You should go through the definition of some words used in the policy. Definition of these may vary fr
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> .17. Maternity Expenses (Code-Excl18) a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Newborn coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Newborn cover not found; typically tied to maternity option
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Organ donor expenses
-
-**Value:** Yes
-
-**Source quote:**
-
-> organ donor’s Inpatient treatment for the harvesting of the organ donated during the Policy Period. Conditions: b. The donation conforms to The Transplantation of Human Organs Act 1994 and amendments
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Restoration benefit not found in extracted text
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Room rent capping
-
-**Value:** room category opted or Room Rent incurred is higher
-
-**Source quote:**
-
-> room category opted or Room Rent incurred is higher
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 0
-
-**Source quote:**
-
-> No mandatory copay extracted; product may have age-based or zone-based optional copay
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Deductible
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No base deductible (or only optional voluntary deductible add-on)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric; not extracted in this curation pass
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> nd Homeopathy systems. 2.1.4. Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the po
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (IRDAI Annual Report); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT not specified in policy wording; governed by IRDAI Master Circular
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> NCB % not extracted; product may use booster/recharge structure
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/niva-bupa__health-plus-top-up.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/niva-bupa__health-plus-top-up__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: niva-bupa__health-plus-top-up__wordings
-insurer_slug: niva-bupa
-insurer_name: Niva Bupa Health Insurance
-policy_name: "Health+ (Super Top-Up)"
-uin_code: NBHHLIP24135V012324
----
-
-# Health+ (Super Top-Up)
-
-**Insurer:** Niva Bupa Health Insurance (`niva-bupa`)  
-**Policy ID:** `niva-bupa__health-plus-top-up__wordings`  
-**UIN:** `NBHHLIP24135V012324`
-
-## Identity
-
-### UIN code
-
-**Value:** NBHHLIP24135V012324
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** 90 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/niva-bupa/health-plus-top-up__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/niva-bupa__health-plus-top-up__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/niva-bupa__reassure-3-0__wordings.md

@@ -1,262 +0,0 @@
----
-policy_id: niva-bupa__reassure-3-0__wordings
-insurer_slug: niva-bupa
-insurer_name: Niva Bupa Health Insurance
-policy_name: "Reassure 3 0"
-uin_code: NBHHLIP26047V012526
-source_pdf_path: rag/corpus/niva-bupa/reassure-3-0__wordings.pdf
-completeness_pct: 23
-curated_at: 2026-05-14
----
-
-# Reassure 3 0
-
-**Insurer:** Niva Bupa Health Insurance (`niva-bupa`)  
-**Policy ID:** `niva-bupa__reassure-3-0__wordings`  
-**UIN:** `NBHHLIP26047V012526`  
-**Curation completeness:** 23%  
-**Primary source PDF:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Curated by tools/curate_remaining.py — pattern-based extraction from local PDF_
-
-## Identity
-
-### UIN code
-
-**Value:** NBHHLIP26047V012526
-
-**Source quote:**
-
-> UIN: NBHHLIP26047V012526
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Policy type
-
-**Value:** hospital_cash
-
-**Source quote:**
-
-> classified as hospital_cash from PDF heuristics
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured” option
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> Post hospitalization)
-We will pay expenses incurred on consultations, medicines, physiotherapy, diagnostic tests for 60
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Room rent capping
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 0
-
-**Source quote:**
-
-> co-payments
-options 0%
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless Facility
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/niva-bupa/reassure-3-0__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/niva-bupa__reassure-3-0__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/niva-bupa__saral-suraksha.md

@@ -1,300 +0,0 @@
----
-policy_id: niva-bupa__saral-suraksha
-insurer_slug: niva-bupa
-insurer_name: Niva Bupa Health Insurance
-policy_name: "Niva Bupa Saral Suraksha Bima (Standard)"
-uin_code: NBHPAIP22153V012122
-source_pdf_path: rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf
-completeness_pct: 55
-curated_at: 2026-05-14
----
-
-# Niva Bupa Saral Suraksha Bima (Standard)
-
-**Insurer:** Niva Bupa Health Insurance (`niva-bupa`)  
-**Policy ID:** `niva-bupa__saral-suraksha`  
-**UIN:** `NBHPAIP22153V012122`  
-**Curation completeness:** 55%  
-**Primary source PDF:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Pattern-based extraction from local PDF via pdfplumber. Insurer-level metrics (CSR, network count) left null pending downstream backfill._
-
-## Identity
-
-### UIN code
-
-**Value:** NBHPAIP22153V012122
-
-**Source quote:**
-
-> surance Co. Ltd, Product UIN: NBHPAIP22153V012122. authorized personnel. 2.9. Hospitalisation means admission in a hospital for a minimum period of twenty-four (24) consecutive 'In-patient care' hours
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Policy type
-
-**Value:** indemnity
-
-**Source quote:**
-
-> o Accident: The Company shall indemnify medical expenses incurred for hospitalisation arising due to accident during the policy period, up to the limit of 10% of the base sum insured, specified in t
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Min entry age not found
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max entry age not explicitly stated; check Policy Schedule
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max renewal age not specified; check Policy Schedule
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured options not enumerated in extracted text; check Policy Schedule
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> oner to have commenced within 30 days from the date of the Accident. (iv) The compensation shall be paid by the company at quarterly intervals, after ascertaining the amount payable. If the period of
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> PED waiting period not extracted; check Section 5 / Excl01
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> Default IRDAI 24-month specific-disease waiting (not explicitly quoted)
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Maternity waiting not specified or maternity excluded
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Pre-hospitalization days not extracted
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Post-hospitalization days not extracted
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Day-care count not enumerated; covered per policy definition
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> zation due to accident, under AYUSH (as defined in IRDAI (Health Insurance) Regulations, 2016) systems of medicine shall be covered without any sub- Product Name: Saral Suraksha Bima, Niva Bupa Health
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Maternity not explicitly mentioned; presumed excluded in base
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Newborn coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Newborn cover not found; typically tied to maternity option
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Organ donor expenses
-
-**Value:** No
-
-**Source quote:**
-
-> Organ donor cover not extracted
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Restoration benefit not found in extracted text
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Room rent capping
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Room rent capping not extracted (only definition found, no explicit cap)
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 0
-
-**Source quote:**
-
-> No mandatory copay extracted; product may have age-based or zone-based optional copay
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Deductible
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No base deductible (or only optional voluntary deductible add-on)
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric; not extracted in this curation pass
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> sible and violent means. 2.2. Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured person in accordance with
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (IRDAI Annual Report); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT not specified in policy wording; governed by IRDAI Master Circular
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** 5
-
-**Source quote:**
-
-> cumulative bonus) shall be increased by 5% in respect of each claim free policy year, provid
-
-**Source:** `rag/corpus/niva-bupa/saral-suraksha-bima__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/niva-bupa__saral-suraksha.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/oriental-insurance__happy-family-floater__brochure.md

@@ -1,254 +0,0 @@
----
-policy_id: oriental-insurance__happy-family-floater__brochure
-insurer_slug: oriental-insurance
-insurer_name: oriental-insurance
-policy_name: "Happy Family Floater Policy - 2021"
-uin_code: OICHLIP22010V042223
----
-
-# Happy Family Floater Policy - 2021
-
-**Insurer:** oriental-insurance (`oriental-insurance`)  
-**Policy ID:** `oriental-insurance__happy-family-floater__brochure`  
-**UIN:** `OICHLIP22010V042223`
-
-## Identity
-
-### UIN code
-
-**Value:** OICHLIP22010V042223
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Sum insured options
-
-**Value:** 100000, 200000, 300000, 400000, 500000, 750000, 1000000, 1500000, 2000000, 2500000, 3000000, 4000000, 5000000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 48
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Free Look Period
-
-**Value:** 15 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Min Child Entry Age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/oriental-insurance__happy-family-floater__brochure.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/sbi-general__arogya-top-up__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: sbi-general__arogya-top-up__wordings
-insurer_slug: sbi-general
-insurer_name: sbi-general
-policy_name: "Arogya Top-Up Policy"
-uin_code: SBIHLIP22137V032122
----
-
-# Arogya Top-Up Policy
-
-**Insurer:** sbi-general (`sbi-general`)  
-**Policy ID:** `sbi-general__arogya-top-up__wordings`  
-**UIN:** `SBIHLIP22137V032122`
-
-## Identity
-
-### UIN code
-
-**Value:** SBIHLIP22137V032122
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 12
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 90
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/sbi-general/arogya-top-up__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/sbi-general__arogya-top-up__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/star-health__health-premier.md

@@ -1,300 +0,0 @@
----
-policy_id: star-health__health-premier
-insurer_slug: star-health
-insurer_name: Star Health and Allied Insurance
-policy_name: "Star Health Premier"
-uin_code: SHAHLIP22226V012122
-source_pdf_path: rag/corpus/star-health/health-premier__wordings.pdf
-completeness_pct: 60
-curated_at: 2026-05-14
----
-
-# Star Health Premier
-
-**Insurer:** Star Health and Allied Insurance (`star-health`)  
-**Policy ID:** `star-health__health-premier`  
-**UIN:** `SHAHLIP22226V012122`  
-**Curation completeness:** 60%  
-**Primary source PDF:** `rag/corpus/star-health/health-premier__wordings.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Pattern-based extraction from local PDF via pdfplumber. Insurer-level metrics (CSR, network count) left null pending downstream backfill._
-
-## Identity
-
-### UIN code
-
-**Value:** SHAHLIP22226V012122
-
-**Source quote:**
-
-> CY Unique Identification No.: SHAHLIP22226V012122 PREAMBLE Insured granted by the insurer without an associated increase in premium. The proposal, declaration and other documents given by the proposer
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Policy type
-
-**Value:** indemnity
-
-**Source quote:**
-
-> bove 20 lakhs 5,00,000/- will indemnify the Insured Person such expenses as are reasonably and necessarily incurred under the heads given below but not exceeding the Limit of Coverage stated in the
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Min entry age not found
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max entry age not explicitly stated; check Policy Schedule
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Max renewal age not specified; check Policy Schedule
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Sum Insured options not enumerated in extracted text; check Policy Schedule
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> the treatment of any illness within 30 days from the first 16 Outpatient Expenses In addition to Sum Insured policy commencement date shall be excluded except claims arising due to an accident, provid
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> PED waiting period not extracted; check Section 5 / Excl01
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> Default IRDAI 24-month specific-disease waiting (not explicitly quoted)
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Maternity waiting not specified or maternity excluded
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Pre-hospitalization days not extracted
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Post-hospitalization days not extracted
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Day-care count not enumerated; covered per policy definition
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### AYUSH coverage
-
-**Value:** Yes
-
-**Source quote:**
-
-> mpany's authorized personnel. AYUSH Day Care Centre: AYUSH Day Care Centre means and includes Community Day Care Treatment: Day care treatment means medical treatment, and/or surgical Health Centre (C
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Maternity coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Maternity not explicitly mentioned; presumed excluded in base
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Newborn coverage
-
-**Value:** No
-
-**Source quote:**
-
-> Newborn cover not found; typically tied to maternity option
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Organ donor expenses
-
-**Value:** Yes
-
-**Source quote:**
-
-> Organ Donor Expenses: In patient hospitalization expenses incurred for organ date specified in the schedule. transplantation from the Donor to the Recipient Insured Person are payable provided the cla
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Restoration benefit
-
-**Value:** Restoration of Sum Insured: There shall be automatic restoration of the
-
-**Source quote:**
-
-> Restoration of Sum Insured: There shall be automatic restoration of the
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Room rent capping
-
-**Value:** room category occupied by the insured person whilst undergoing treatment in some of the
-
-**Source quote:**
-
-> room category occupied by the insured person whilst undergoing treatment in some of the
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** 20
-
-**Source quote:**
-
-> Policy shall be subject to a Copayment of 20% applicable to claim amount admissible and payable as per the terms and 7. Medical Concierge Services: The Insured can a
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Deductible
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> No base deductible (or only optional voluntary deductible add-on)
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric; not extracted in this curation pass
-
-**Source:** _(no source path on record)_
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> on of less than 10,00,000 and Cashless facility: Cashless facility means a facility extended by the insurer to the insured at least 15 in-patient beds in all other places; where the payments, of the c
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> Insurer-level metric (IRDAI Annual Report); not extracted
-
-**Source:** _(no source path on record)_
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> TAT not specified in policy wording; governed by IRDAI Master Circular
-
-**Source:** _(no source path on record)_
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> NCB % not extracted; product may use booster/recharge structure
-
-**Source:** `rag/corpus/star-health/health-premier__wordings.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/star-health__health-premier.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/star-health__star-comprehensive__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: star-health__star-comprehensive__wordings
-insurer_slug: star-health
-insurer_name: Star Health and Allied Insurance
-policy_name: "Star Comprehensive Insurance Policy"
-uin_code: SHAHLIP26044V092526
----
-
-# Star Comprehensive Insurance Policy
-
-**Insurer:** Star Health and Allied Insurance (`star-health`)  
-**Policy ID:** `star-health__star-comprehensive__wordings`  
-**UIN:** `SHAHLIP26044V092526`
-
-## Identity
-
-### UIN code
-
-**Value:** SHAHLIP26044V092526
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** 65 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Sum insured options
-
-**Value:** 500000, 750000, 1000000, 1500000, 2000000, 2500000, 5000000, 7500000, 10000000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 90
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** 14000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/star-health/star-comprehensive__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/star-health__star-comprehensive__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/star-health__star-hospital-cash__brochure.md

@@ -1,258 +0,0 @@
----
-policy_id: star-health__star-hospital-cash__brochure
-insurer_slug: star-health
-insurer_name: Star Health and Allied Insurance
-policy_name: "Star Hospital Cash"
-source_pdf_path: rag/corpus/star-health/star-hospital-cash__brochure.pdf
-completeness_pct: 14
-curated_at: 2026-05-14
----
-
-# Star Hospital Cash
-
-**Insurer:** Star Health and Allied Insurance (`star-health`)  
-**Policy ID:** `star-health__star-hospital-cash__brochure`  
-**Curation completeness:** 14%  
-**Primary source PDF:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`  
-**Curated at:** 2026-05-14
-
-> _Curation note: Curated by tools/curate_remaining.py — pattern-based extraction from local PDF_
-
-## Identity
-
-### UIN code
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Policy type
-
-**Value:** hospital_cash
-
-**Source quote:**
-
-> classified as hospital_cash from PDF heuristics
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Maximum renewal age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Sum insured options
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> pre-existing diseases. 24 months
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Maternity waiting (months)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### AYUSH coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Maternity coverage
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Restoration benefit
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Room rent capping
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-## Cost-share
-
-### Co-payment (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Cashless treatment supported
-
-**Value:** Yes
-
-**Source quote:**
-
-> Cashless facility
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Claim settlement ratio
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-### Cashless TAT (hours)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-## Bonuses & loyalty
-
-### No-claim bonus (%)
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> _(no verbatim quote on record)_
-
-**Source:** `rag/corpus/star-health/star-hospital-cash__brochure.pdf`
-
-
----
-
-_Mirrored from `data/policy_facts/star-health__star-hospital-cash__brochure.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/policies/tata-aig__medicare__wordings.md

@@ -1,254 +0,0 @@
----
-policy_id: tata-aig__medicare__wordings
-insurer_slug: tata-aig
-insurer_name: Tata AIG General Insurance
-policy_name: "TATA AIG MediCare"
-uin_code: TATHLIP21224V022021
----
-
-# TATA AIG MediCare
-
-**Insurer:** Tata AIG General Insurance (`tata-aig`)  
-**Policy ID:** `tata-aig__medicare__wordings`  
-**UIN:** `TATHLIP21224V022021`
-
-## Identity
-
-### UIN code
-
-**Value:** TATHLIP21224V022021
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-## Eligibility
-
-### Minimum entry age
-
-**Value:** 18 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Maximum entry age
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Maximum renewal age
-
-**Value:** 999 years
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Sum insured options
-
-**Value:** 500000, 1000000, 2000000, 5000000, 10000000
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-## Waiting periods
-
-### Initial waiting period (days)
-
-**Value:** 30
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Pre-existing disease waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Specific disease waiting (months)
-
-**Value:** 24
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Maternity waiting (months)
-
-**Value:** 36
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-## Coverage scope
-
-### Pre-hospitalization (days)
-
-**Value:** 60
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Post-hospitalization (days)
-
-**Value:** 90
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Day-care treatments covered
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-## Claims & service
-
-### Network hospital count
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-## Other fields
-
-### Claim Settlement Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Co Payment Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Complaint Per 10K Claims
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Free Look Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Grace Period
-
-**Value:** 30 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Incurred Claim Ratio Pct
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Min Child Entry Age
-
-**Value:** 91 days
-
-**Source quote:**
-
-> extracted from PDF policy document by NIM DeepSeek-V4 (D-019); see source PDF for verbatim
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Policy Term Options Years
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Room Rent Capped At Pct Of Si
-
-**Value:** _not specified_
-
-**Source quote:**
-
-> not extracted from this PDF (field absent or LLM unable to infer)
-
-**Source:** `rag/corpus/tata-aig/medicare__wordings.pdf`
-
-### Source Pdf Path
-
-_no data_
-
-
----
-
-_Mirrored from `data/policy_facts/tata-aig__medicare__wordings.json`. Provenance — every field's verbatim quote and source PDF path is preserved exactly as curated. Do not hand-edit; regenerate via `tools/build_kb_mirror.py`._

kb/premiums/INDEX.md

@@ -1,323 +0,0 @@
-# Premiums — Illustrative Pricing Data
-
-_Auto-generated from `data/premiums/illustrative_premiums.json`. Real PolicyBazaar / InsuranceDekho / rate-chart anchors plus derived scaling factors. NEVER a binding quote._
-
-## Methodology
-
-Premium samples pulled from public quote pages on PolicyBazaar, JoinDitto, Beshak, and insurer rate cards (Tata AIG MediCare Premier official rate chart, Star Family Health Optima Annexure-2, Niva Bupa ReAssure 2.0 rate card) on 2026-05-13. Single quotes are illustrative starting premiums for healthy non-smoking lives in Delhi (metro / Zone 1 / Zone A); actual premium varies with underwriting, pin code, family composition, and add-ons. Where a specific (insurer, policy, age, SI) combination did not surface a public number, the closest comparable insurer band was used and the gap was filled with the scaling factors below (derived from the 2-3 anchor points that ARE real). Scaling factors are calibrated against the IRDAI bandings used by most Indian health insurers and are consistent with the visible deltas in the JoinDitto / Beshak premium charts.
-
-### Sources consulted
-
-- [https://www.policybazaar.com/insurance-companies/hdfc-ergo-health-insurance/optima-secure-plan/](https://www.policybazaar.com/insurance-companies/hdfc-ergo-health-insurance/optima-secure-plan/)
-- [https://www.policybazaar.com/insurance-companies/religare-health-insurance/care-supreme/](https://www.policybazaar.com/insurance-companies/religare-health-insurance/care-supreme/)
-- [https://www.policybazaar.com/insurance-companies/aditya-birla-health-insurance/activ-assure-diamond-](https://www.policybazaar.com/insurance-companies/aditya-birla-health-insurance/activ-assure-diamond-plan/)
-- [https://www.policybazaar.com/insurance-companies/bajaj-allianz-health-insurance/individual-health-gu](https://www.policybazaar.com/insurance-companies/bajaj-allianz-health-insurance/individual-health-guard-plan/)
-- [https://www.policybazaar.com/insurance-companies/star-health-insurance/family-health-optima-insuranc](https://www.policybazaar.com/insurance-companies/star-health-insurance/family-health-optima-insurance-plan/)
-- [https://www.policybazaar.com/insurance-companies/star-health-insurance/senior-citizens-red-carpet-he](https://www.policybazaar.com/insurance-companies/star-health-insurance/senior-citizens-red-carpet-health-insurance-policy/)
-- [https://www.policybazaar.com/insurance-companies/icici-lombard-health-insurance/elevate-plan/](https://www.policybazaar.com/insurance-companies/icici-lombard-health-insurance/elevate-plan/)
-- [https://www.policybazaar.com/insurance-companies/tata-aig-health-insurance/medicare-premier/](https://www.policybazaar.com/insurance-companies/tata-aig-health-insurance/medicare-premier/)
-- [https://www.policybazaar.com/insurance-companies/manipalcigna-health-insurance/prohealth-prime/](https://www.policybazaar.com/insurance-companies/manipalcigna-health-insurance/prohealth-prime/)
-- [https://www.policybazaar.com/insurance-companies/max-bupa-health-insurance/premium-calculator/](https://www.policybazaar.com/insurance-companies/max-bupa-health-insurance/premium-calculator/)
-
-## Per-policy anchor samples
-
-_26 policies indexed._
-
-### Aditya Birla Activ Assure Diamond
-`policy_id`: `aditya-birla__activ-assure-diamond`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **8,215** | [link](https://www.adityabirlacapital.com/healthinsurance/activ-assure-diamond) |
-| 30 | 1000000 | metro | N | 1 | **11,100** | derived |
-| 40 | 1000000 | metro | N | 1 | **15,500** | derived |
-| 50 | 1000000 | metro | N | 2 | **35,500** | derived |
-| 35 | 2500000 | metro | N | 4 | **41,000** | derived |
-
-### Aditya Birla Group Activ Health
-`policy_id`: `aditya-birla__group-activ-health`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 35 | 500000 | metro | N | 1 | **7,500** | callback only |
-
-### Bajaj Allianz Health Guard / Comprehensive Care Plan
-`policy_id`: `bajaj-allianz__health-guard`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 350000 | metro | N | 1 | **6,962** | [link](https://www.bajajfinserv.in/insurance/bajaj-general-health-guard-insurance-plan) |
-| 30 | 500000 | metro | N | 1 | **8,200** | derived |
-| 30 | 1000000 | metro | N | 1 | **11,500** | derived |
-| 40 | 1000000 | metro | N | 2 | **26,500** | derived |
-| 35 | 2500000 | metro | N | 4 | **39,000** | derived |
-
-### Bajaj Allianz Silver Health (Senior 46-80)
-`policy_id`: `bajaj-allianz__silver-health`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 60 | 500000 | metro | N | 1 | **19,800** | [link](https://www.policybazaar.com/insurance-companies/bajaj-allianz-health-insurance/silver-health-plan/) |
-| 65 | 500000 | metro | N | 1 | **24,500** | derived |
-| 70 | 500000 | metro | N | 1 | **32,000** | derived |
-
-### Bajaj Allianz Tax Gain
-`policy_id`: `bajaj-allianz__tax-gain`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 35 | 500000 | metro | N | 4 | **11,500** | [link](https://www.bajajgeneralinsurance.com/health-insurance-plans/) |
-
-### Care Health Care Advantage
-`policy_id`: `care-health__care-advantage`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **5,100** | [link](https://www.careinsurance.com/product/care-supreme) |
-
-### Care Health Care Classic
-`policy_id`: `care-health__care-classic`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **5,400** | [link](https://www.policybazaar.com/insurance-companies/religare-health-insurance/) |
-| 30 | 1000000 | metro | N | 1 | **7,300** | derived |
-
-### Care Health Care Senior
-`policy_id`: `care-health__care-senior`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 65 | 500000 | metro | N | 1 | **22,500** | [link](https://www.policybazaar.com/insurance-companies/religare-health-insurance/care-senior/) |
-| 65 | 1000000 | metro | N | 1 | **32,500** | derived |
-| 70 | 500000 | metro | N | 1 | **31,000** | derived |
-
-### Care Health Care Supreme
-`policy_id`: `care-health__care-supreme`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **4,800** | [link](https://www.policybazaar.com/insurance-companies/religare-health-insurance/care-supreme/) |
-| 30 | 1000000 | metro | N | 1 | **6,492** | [link](https://www.policybazaar.com/insurance-companies/religare-health-insurance/care-supreme/) |
-| 40 | 1000000 | metro | N | 1 | **9,089** | derived |
-| 35 | 2500000 | metro | N | 4 | **33,800** | derived |
-| 50 | 2500000 | metro | N | 2 | **49,500** | derived |
-
-### HDFC ERGO Energy (Diabetes/Hypertension focused)
-`policy_id`: `hdfc-ergo__energy`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 40 | 500000 | metro | N | 1 | **12,500** | callback only |
-
-### HDFC ERGO Optima Plus
-`policy_id`: `hdfc-ergo__optima-plus`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **7,200** | [link](https://www.policybazaar.com/insurance-companies/hdfc-ergo-health-insurance/optima-plus-insurance-plan/) |
-| 35 | 1000000 | metro | N | 2 | **16,000** | derived |
-
-### HDFC ERGO Optima Restore
-`policy_id`: `hdfc-ergo__optima-restore`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **6,800** | derived |
-| 30 | 1000000 | metro | N | 1 | **9,100** | derived |
-| 40 | 1000000 | metro | N | 2 | **21,000** | derived |
-
-### HDFC ERGO my:Optima Secure
-`policy_id`: `hdfc-ergo__optima-secure`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **4,800** | [link](https://www.policybazaar.com/insurance-companies/hdfc-ergo-health-insurance/optima-secure-plan/) |
-| 30 | 1000000 | metro | N | 1 | **6,492** | [link](https://www.policybazaar.com/insurance-companies/hdfc-ergo-health-insurance/optima-secure-plan/) |
-| 40 | 1000000 | metro | N | 1 | **9,089** | derived |
-| 50 | 1000000 | metro | N | 2 | **22,500** | derived |
-| 35 | 2500000 | metro | N | 4 | **35,200** | derived |
-
-### ICICI Lombard Elevate
-`policy_id`: `icici-lombard__elevate`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 1000000 | metro | N | 1 | **9,500** | [link](https://www.icicilombard.com/health-insurance/elevate-health-policy) |
-| 30 | 500000 | metro | N | 1 | **7,000** | derived |
-| 40 | 1000000 | metro | N | 2 | **22,500** | derived |
-| 35 | 2500000 | metro | N | 4 | **36,500** | derived |
-
-### ICICI Lombard Health AdvantEdge
-`policy_id`: `icici-lombard__health-advantedge`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **6,500** | [link](https://www.policybazaar.com/insurance-companies/icici-lombard-health-insurance/) |
-| 30 | 1000000 | metro | N | 1 | **8,800** | derived |
-
-### ManipalCigna ProHealth Prime Active
-`policy_id`: `manipalcigna__prohealth-prime-active`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **6,200** | [link](https://www.manipalcigna.com/hospitalization-cover/prohealth-insurance/prohealthprime-active) |
-| 30 | 1000000 | metro | N | 1 | **8,400** | derived |
-| 40 | 1000000 | metro | N | 2 | **19,500** | derived |
-
-### New India Assurance Asha Kiran Policy
-`policy_id`: `new-india__asha-kiran`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 300000 | metro | N | 1 | **3,650** | [link](https://www.newindia.co.in/portal/readMore/Pages/Asha-Kiran-Policy) |
-| 30 | 500000 | metro | N | 3 | **6,800** | derived |
-
-### New India Mediclaim
-`policy_id`: `new-india__mediclaim`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **5,400** | [link](https://www.newindia.co.in/portal/readMore/Pages/Mediclaim-Policy) |
-| 30 | 1000000 | metro | N | 1 | **7,300** | derived |
-| 50 | 500000 | metro | N | 2 | **18,500** | derived |
-
-### Niva Bupa Aspire
-`policy_id`: `niva-bupa__aspire`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **7,200** | [link](https://www.nivabupa.com/family-health-insurance-plans/aspire.html) |
-| 30 | 1000000 | metro | N | 1 | **9,700** | derived |
-| 35 | 1000000 | metro | N | 2 | **16,500** | derived |
-
-### Niva Bupa Health Premia
-`policy_id`: `niva-bupa__health-premia`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 3 | **14,000** | [link](https://www.nivabupa.com/health-insurance-plan/health-premia) |
-| 35 | 1000000 | metro | N | 4 | **24,500** | derived |
-| 45 | 2500000 | metro | N | 4 | **52,000** | derived |
-
-### Niva Bupa ReAssure 2.0
-`policy_id`: `niva-bupa__reassure`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **21,047** | [link](https://joinditto.in/articles/health-insurance/niva-bupa-reassure-2-0-premium-chart/) |
-| 30 | 500000 | metro | N | 1 | **21,560** | [link](https://joinditto.in/articles/health-insurance/niva-bupa-reassure-2-0-premium-chart/) |
-| 30 | 1000000 | metro | N | 1 | **26,500** | derived |
-| 40 | 1000000 | metro | N | 2 | **58,000** | derived |
-
-### Star Comprehensive Health Insurance
-`policy_id`: `star-health__comprehensive`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **8,500** | [link](https://www.policybazaar.com/insurance-companies/star-health-insurance/star-comprehensive-insurance-policy/) |
-| 30 | 1000000 | metro | N | 1 | **11,200** | derived |
-| 45 | 1000000 | metro | N | 2 | **27,800** | derived |
-
-### Star Family Health Optima
-`policy_id`: `star-health__family-health-optima`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 3 | **7,968** | [link](https://www.scribd.com/document/667873826/Annexure-2-Premium-Chart-Family-Health-Optima-Insurance-Plan-Revised) |
-| 40 | 500000 | metro | N | 4 | **10,046** | [link](https://www.scribd.com/document/667873826/Annexure-2-Premium-Chart-Family-Health-Optima-Insurance-Plan-Revised) |
-| 48 | 500000 | metro | N | 4 | **13,669** | [link](https://www.scribd.com/document/667873826/Annexure-2-Premium-Chart-Family-Health-Optima-Insurance-Plan-Revised) |
-| 35 | 1000000 | metro | N | 4 | **14,500** | derived |
-| 35 | 2500000 | metro | N | 4 | **26,800** | derived |
-
-### Star Senior Citizens Red Carpet
-`policy_id`: `star-health__senior-citizens-red-carpet`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 60 | 100000 | metro | N | 1 | **6,710** | [link](https://www.starhealth.in/health-insurance/health-insurance-for-senior-citizens/) |
-| 60 | 500000 | metro | N | 1 | **18,900** | derived |
-| 65 | 500000 | metro | N | 1 | **24,500** | derived |
-| 70 | 500000 | metro | N | 1 | **31,200** | derived |
-| 75 | 1000000 | metro | N | 1 | **55,000** | derived |
-
-### Tata AIG MediCare
-`policy_id`: `tata-aig__medicare`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **7,100** | [link](https://www.axisbank.com/docs/default-source/default-document-library/medicare-rate-chart-06-12-22.pdf) |
-| 30 | 1000000 | metro | N | 1 | **8,800** | [link](https://www.axisbank.com/docs/default-source/default-document-library/medicare-rate-chart-06-12-22.pdf) |
-| 40 | 1000000 | metro | N | 1 | **10,300** | derived |
-
-### Tata AIG MediCare Premier
-`policy_id`: `tata-aig__medicare-premier`
-
-| Age | SI (₹) | City | Smoker | Family | Premium ₹/yr | Source |
-| --- | --- | --- | --- | --- | --- | --- |
-| 30 | 500000 | metro | N | 1 | **8,362** | [link](https://www.axisbank.com/docs/default-source/default-document-library/tata-aig-medicare-premier-rate-chart.pdf) |
-| 30 | 1000000 | metro | N | 1 | **10,319** | [link](https://www.axisbank.com/docs/default-source/default-document-library/tata-aig-medicare-premier-rate-chart.pdf) |
-| 40 | 500000 | metro | N | 1 | **9,868** | [link](https://www.axisbank.com/docs/default-source/default-document-library/tata-aig-medicare-premier-rate-chart.pdf) |
-| 40 | 1000000 | metro | N | 1 | **12,266** | [link](https://www.axisbank.com/docs/default-source/default-document-library/tata-aig-medicare-premier-rate-chart.pdf) |
-| 35 | 2500000 | metro | N | 4 | **38,500** | derived |
-
-## Scaling factors
-
-These are derived from comparing real anchor points across age, SI, city, smoker, family-floater dimensions.
-
-### age_multipliers
-```
-{
-  "18-25": 0.85,
-  "26-35": 1.0,
-  "36-45": 1.4,
-  "46-55": 2.1,
-  "56-65": 3.2,
-  "66-75": 4.5,
-  "75+": 5.8
-}
-```
-
-### sum_insured_multipliers
-```
-{
-  "300000": 0.82,
-  "500000": 1.0,
-  "1000000": 1.35,
-  "1500000": 1.65,
-  "2500000": 2.25,
-  "5000000": 3.2,
-  "10000000": 4.8
-}
-```
-
-### city_tier_multipliers
-```
-{
-  "metro": 1.0,
-  "tier1": 0.92,
-  "tier2": 0.82
-}
-```
-
-### smoker_multiplier
-```
-1.25
-```
-
-### family_floater_multipliers
-```
-{
-  "1": 1.0,
-  "2": 1.65,
-  "3": 2.0,
-  "4": 2.4,
-  "5": 2.7,
-  "6": 2.95
-}
-```
-
-### rounding
-```
-"All computed premiums should be rounded to nearest Rs 100 when surfaced to the user. Use these as a soft estimate; always nudge the user toward a formal quote on the insurer's portal."
-```