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