[
  {
    "id": "aditya-birla__activ-assure-diamond__wordings::pre_existing_disease_waiting_months::easy",
    "policy_id": "aditya-birla__activ-assure-diamond__wordings",
    "question": "What is the waiting period for pre-existing diseases under Activ Assure?",
    "expected_answer": "24 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "aditya-birla__activ-assure-diamond__wordings::pre_existing_disease_waiting_months::medium",
    "policy_id": "aditya-birla__activ-assure-diamond__wordings",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Activ Assure?",
    "expected_answer": "24 months \u2014 pre-existing diseases have a waiting period of 24 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "aditya-birla__activ-assure-diamond__wordings::ayush_coverage::easy",
    "policy_id": "aditya-birla__activ-assure-diamond__wordings",
    "question": "Does Activ Assure cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)?",
    "expected_answer": "Yes",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "ayush_coverage"
  },
  {
    "id": "aditya-birla__activ-assure-diamond__wordings::room_rent_capping::medium",
    "policy_id": "aditya-birla__activ-assure-diamond__wordings",
    "question": "Is there a cap on room rent under Activ Assure?",
    "expected_answer": "Single Private A/C Room (upgradable to next level, only if Single Private A/C Room is not available)",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "aditya-birla__activ-assure-diamond__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "aditya-birla__activ-assure-diamond__wordings",
    "question": "Does Activ Assure cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "aditya-birla__activ-assure-diamond__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "aditya-birla__activ-assure-diamond__wordings",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Activ Assure?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "aditya-birla__activ-assure-diamond__wordings::REFUSE::regulatory_oos::hard",
    "policy_id": "aditya-birla__activ-assure-diamond__wordings",
    "question": "What is the IRDAI mandate on dental coverage that Activ Assure must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__comprehensive-care-plan__wordings::pre_existing_disease_waiting_months::easy",
    "policy_id": "bajaj-allianz__comprehensive-care-plan__wordings",
    "question": "What is the waiting period for pre-existing diseases under Comprehensive Care Plan?",
    "expected_answer": "36 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "bajaj-allianz__comprehensive-care-plan__wordings::pre_existing_disease_waiting_months::medium",
    "policy_id": "bajaj-allianz__comprehensive-care-plan__wordings",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Comprehensive Care Plan?",
    "expected_answer": "36 months \u2014 pre-existing diseases have a waiting period of 36 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "bajaj-allianz__comprehensive-care-plan__wordings::initial_waiting_period_days::easy",
    "policy_id": "bajaj-allianz__comprehensive-care-plan__wordings",
    "question": "What is the initial waiting period under Comprehensive Care Plan?",
    "expected_answer": "90 days from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "initial_waiting_period_days"
  },
  {
    "id": "bajaj-allianz__comprehensive-care-plan__wordings::ayush_coverage::easy",
    "policy_id": "bajaj-allianz__comprehensive-care-plan__wordings",
    "question": "Does Comprehensive Care Plan cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)?",
    "expected_answer": "Yes",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "ayush_coverage"
  },
  {
    "id": "bajaj-allianz__comprehensive-care-plan__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "bajaj-allianz__comprehensive-care-plan__wordings",
    "question": "Does Comprehensive Care Plan cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__comprehensive-care-plan__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "bajaj-allianz__comprehensive-care-plan__wordings",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Comprehensive Care Plan?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__comprehensive-care-plan__wordings::REFUSE::regulatory_oos::hard",
    "policy_id": "bajaj-allianz__comprehensive-care-plan__wordings",
    "question": "What is the IRDAI mandate on dental coverage that Comprehensive Care Plan must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::pre_existing_disease_waiting_months::easy",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "What is the waiting period for pre-existing diseases under Silver Health?",
    "expected_answer": "24 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::pre_existing_disease_waiting_months::medium",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Silver Health?",
    "expected_answer": "24 months \u2014 pre-existing diseases have a waiting period of 24 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::initial_waiting_period_days::easy",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "What is the initial waiting period under Silver Health?",
    "expected_answer": "30 days from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "initial_waiting_period_days"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::pre_hospitalization_days::easy",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "How many days of pre-hospitalization expenses does Silver Health cover?",
    "expected_answer": "30 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_hospitalization_days"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::post_hospitalization_days::easy",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "How many days of post-hospitalization expenses does Silver Health cover?",
    "expected_answer": "60 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "post_hospitalization_days"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::no_claim_bonus_pct::easy",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "What's the no-claim bonus on Silver Health?",
    "expected_answer": "10.0% step-up on sum insured per claim-free year",
    "question_type": "bonus",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "no_claim_bonus_pct"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::room_rent_capping::medium",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "Is there a cap on room rent under Silver Health?",
    "expected_answer": "1% of hospitalization Sum Insured up to maximum Rs. 7,500 per day",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::copayment_pct::easy",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "Is there a copayment under Silver Health?",
    "expected_answer": "10% copayment applies",
    "question_type": "sub_limit",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "copayment_pct"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::REFUSE::exclusions_oos::hard",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "Does Silver Health cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::REFUSE::exclusions_oos::hard",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Silver Health?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__silver-health__cis::REFUSE::regulatory_oos::hard",
    "policy_id": "bajaj-allianz__silver-health__cis",
    "question": "What is the IRDAI mandate on dental coverage that Silver Health must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::pre_existing_disease_waiting_months::easy",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "What is the waiting period for pre-existing diseases under Tax Gain?",
    "expected_answer": "36 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::pre_existing_disease_waiting_months::medium",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Tax Gain?",
    "expected_answer": "36 months \u2014 pre-existing diseases have a waiting period of 36 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::initial_waiting_period_days::easy",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "What is the initial waiting period under Tax Gain?",
    "expected_answer": "30 days from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "initial_waiting_period_days"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::REFUSE::exclusions_oos::hard",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "Does Tax Gain cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::REFUSE::exclusions_oos::hard",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Tax Gain?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::REFUSE::regulatory_oos::hard",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "What is the IRDAI mandate on dental coverage that Tax Gain must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::pre_existing_disease_waiting_months::easy",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "What is the waiting period for pre-existing diseases under Care Advantage?",
    "expected_answer": "36 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::pre_existing_disease_waiting_months::medium",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Care Advantage?",
    "expected_answer": "36 months \u2014 pre-existing diseases have a waiting period of 36 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::initial_waiting_period_days::easy",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "What is the initial waiting period under Care Advantage?",
    "expected_answer": "30 days from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "initial_waiting_period_days"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::pre_hospitalization_days::easy",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "How many days of pre-hospitalization expenses does Care Advantage cover?",
    "expected_answer": "30 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_hospitalization_days"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::post_hospitalization_days::easy",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "How many days of post-hospitalization expenses does Care Advantage cover?",
    "expected_answer": "60 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "post_hospitalization_days"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::ayush_coverage::easy",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "Does Care Advantage cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)?",
    "expected_answer": "Yes",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "ayush_coverage"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::no_claim_bonus_pct::easy",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "What's the no-claim bonus on Care Advantage?",
    "expected_answer": "10.0% step-up on sum insured per claim-free year",
    "question_type": "bonus",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "no_claim_bonus_pct"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::room_rent_capping::medium",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "Is there a cap on room rent under Care Advantage?",
    "expected_answer": "No sub-limit",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::copayment_pct::easy",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "Is there a copayment under Care Advantage?",
    "expected_answer": "20% copayment applies",
    "question_type": "sub_limit",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "copayment_pct"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "Does Care Advantage cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Care Advantage?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure::REFUSE::regulatory_oos::hard",
    "policy_id": "care-health__care-advantage-add-ons-protect-plus-care-shield__brochure",
    "question": "What is the IRDAI mandate on dental coverage that Care Advantage must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-classic__wordings::pre_existing_disease_waiting_months::easy",
    "policy_id": "care-health__care-classic__wordings",
    "question": "What is the waiting period for pre-existing diseases under Care Classic?",
    "expected_answer": "36 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-classic__wordings::pre_existing_disease_waiting_months::medium",
    "policy_id": "care-health__care-classic__wordings",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Care Classic?",
    "expected_answer": "36 months \u2014 pre-existing diseases have a waiting period of 36 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-classic__wordings::maternity_waiting_months::easy",
    "policy_id": "care-health__care-classic__wordings",
    "question": "What's the maternity benefit waiting period under Care Classic?",
    "expected_answer": "36 months",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "maternity_waiting_months"
  },
  {
    "id": "care-health__care-classic__wordings::pre_hospitalization_days::easy",
    "policy_id": "care-health__care-classic__wordings",
    "question": "How many days of pre-hospitalization expenses does Care Classic cover?",
    "expected_answer": "60 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_hospitalization_days"
  },
  {
    "id": "care-health__care-classic__wordings::post_hospitalization_days::easy",
    "policy_id": "care-health__care-classic__wordings",
    "question": "How many days of post-hospitalization expenses does Care Classic cover?",
    "expected_answer": "90 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "post_hospitalization_days"
  },
  {
    "id": "care-health__care-classic__wordings::ayush_coverage::easy",
    "policy_id": "care-health__care-classic__wordings",
    "question": "Does Care Classic cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)?",
    "expected_answer": "Yes",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "ayush_coverage"
  },
  {
    "id": "care-health__care-classic__wordings::no_claim_bonus_pct::easy",
    "policy_id": "care-health__care-classic__wordings",
    "question": "What's the no-claim bonus on Care Classic?",
    "expected_answer": "25.0% step-up on sum insured per claim-free year",
    "question_type": "bonus",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "no_claim_bonus_pct"
  },
  {
    "id": "care-health__care-classic__wordings::room_rent_capping::medium",
    "policy_id": "care-health__care-classic__wordings",
    "question": "Is there a cap on room rent under Care Classic?",
    "expected_answer": "1% of SI per day or Single Private AC Room",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "care-health__care-classic__wordings::copayment_pct::easy",
    "policy_id": "care-health__care-classic__wordings",
    "question": "Is there a copayment under Care Classic?",
    "expected_answer": "20% copayment applies",
    "question_type": "sub_limit",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "copayment_pct"
  },
  {
    "id": "care-health__care-classic__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-classic__wordings",
    "question": "Does Care Classic cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-classic__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-classic__wordings",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Care Classic?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-classic__wordings::REFUSE::regulatory_oos::hard",
    "policy_id": "care-health__care-classic__wordings",
    "question": "What is the IRDAI mandate on dental coverage that Care Classic must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-senior__brochure::pre_existing_disease_waiting_months::easy",
    "policy_id": "care-health__care-senior__brochure",
    "question": "What is the waiting period for pre-existing diseases under Care for Senior Citizens?",
    "expected_answer": "48 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-senior__brochure::pre_existing_disease_waiting_months::medium",
    "policy_id": "care-health__care-senior__brochure",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Care for Senior Citizens?",
    "expected_answer": "48 months \u2014 pre-existing diseases have a waiting period of 48 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-senior__brochure::initial_waiting_period_days::easy",
    "policy_id": "care-health__care-senior__brochure",
    "question": "What is the initial waiting period under Care for Senior Citizens?",
    "expected_answer": "30 days from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "initial_waiting_period_days"
  },
  {
    "id": "care-health__care-senior__brochure::pre_hospitalization_days::easy",
    "policy_id": "care-health__care-senior__brochure",
    "question": "How many days of pre-hospitalization expenses does Care for Senior Citizens cover?",
    "expected_answer": "30 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_hospitalization_days"
  },
  {
    "id": "care-health__care-senior__brochure::post_hospitalization_days::easy",
    "policy_id": "care-health__care-senior__brochure",
    "question": "How many days of post-hospitalization expenses does Care for Senior Citizens cover?",
    "expected_answer": "60 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "post_hospitalization_days"
  },
  {
    "id": "care-health__care-senior__brochure::no_claim_bonus_pct::easy",
    "policy_id": "care-health__care-senior__brochure",
    "question": "What's the no-claim bonus on Care for Senior Citizens?",
    "expected_answer": "10.0% step-up on sum insured per claim-free year",
    "question_type": "bonus",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "no_claim_bonus_pct"
  },
  {
    "id": "care-health__care-senior__brochure::room_rent_capping::medium",
    "policy_id": "care-health__care-senior__brochure",
    "question": "Is there a cap on room rent under Care for Senior Citizens?",
    "expected_answer": "1% SI per day (Max. up to 1% of SI per day) for 3 Lacs plan, Single Private AC Room (Max. up to 1% of SI per day) for 5,7,10 Lacs plan",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "care-health__care-senior__brochure::copayment_pct::easy",
    "policy_id": "care-health__care-senior__brochure",
    "question": "Is there a copayment under Care for Senior Citizens?",
    "expected_answer": "20% copayment applies",
    "question_type": "sub_limit",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "copayment_pct"
  },
  {
    "id": "care-health__care-senior__brochure::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-senior__brochure",
    "question": "Does Care for Senior Citizens cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-senior__brochure::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-senior__brochure",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Care for Senior Citizens?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-senior__brochure::REFUSE::regulatory_oos::hard",
    "policy_id": "care-health__care-senior__brochure",
    "question": "What is the IRDAI mandate on dental coverage that Care for Senior Citizens must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-supreme__wordings::pre_existing_disease_waiting_months::easy",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "What is the waiting period for pre-existing diseases under Care Supreme?",
    "expected_answer": "36 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-supreme__wordings::pre_existing_disease_waiting_months::medium",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Care Supreme?",
    "expected_answer": "36 months \u2014 pre-existing diseases have a waiting period of 36 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "care-health__care-supreme__wordings::pre_hospitalization_days::easy",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "How many days of pre-hospitalization expenses does Care Supreme cover?",
    "expected_answer": "60 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_hospitalization_days"
  },
  {
    "id": "care-health__care-supreme__wordings::post_hospitalization_days::easy",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "How many days of post-hospitalization expenses does Care Supreme cover?",
    "expected_answer": "180 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "post_hospitalization_days"
  },
  {
    "id": "care-health__care-supreme__wordings::ayush_coverage::easy",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "Does Care Supreme cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)?",
    "expected_answer": "Yes",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "ayush_coverage"
  },
  {
    "id": "care-health__care-supreme__wordings::no_claim_bonus_pct::easy",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "What's the no-claim bonus on Care Supreme?",
    "expected_answer": "50.0% step-up on sum insured per claim-free year",
    "question_type": "bonus",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "no_claim_bonus_pct"
  },
  {
    "id": "care-health__care-supreme__wordings::room_rent_capping::medium",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "Is there a cap on room rent under Care Supreme?",
    "expected_answer": "No limit",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "care-health__care-supreme__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "Does Care Supreme cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-supreme__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Care Supreme?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "care-health__care-supreme__wordings::REFUSE::regulatory_oos::hard",
    "policy_id": "care-health__care-supreme__wordings",
    "question": "What is the IRDAI mandate on dental coverage that Care Supreme must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "icici-lombard__elevate__wordings::pre_existing_disease_waiting_months::easy",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "What is the waiting period for pre-existing diseases under Elevate?",
    "expected_answer": "36 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "icici-lombard__elevate__wordings::pre_existing_disease_waiting_months::medium",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Elevate?",
    "expected_answer": "36 months \u2014 pre-existing diseases have a waiting period of 36 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "icici-lombard__elevate__wordings::initial_waiting_period_days::easy",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "What is the initial waiting period under Elevate?",
    "expected_answer": "30 days from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "initial_waiting_period_days"
  },
  {
    "id": "icici-lombard__elevate__wordings::pre_hospitalization_days::easy",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "How many days of pre-hospitalization expenses does Elevate cover?",
    "expected_answer": "90 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_hospitalization_days"
  },
  {
    "id": "icici-lombard__elevate__wordings::post_hospitalization_days::easy",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "How many days of post-hospitalization expenses does Elevate cover?",
    "expected_answer": "180 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "post_hospitalization_days"
  },
  {
    "id": "icici-lombard__elevate__wordings::ayush_coverage::easy",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "Does Elevate cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)?",
    "expected_answer": "Yes",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "ayush_coverage"
  },
  {
    "id": "icici-lombard__elevate__wordings::no_claim_bonus_pct::easy",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "What's the no-claim bonus on Elevate?",
    "expected_answer": "20.0% step-up on sum insured per claim-free year",
    "question_type": "bonus",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "no_claim_bonus_pct"
  },
  {
    "id": "icici-lombard__elevate__wordings::room_rent_capping::medium",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "Is there a cap on room rent under Elevate?",
    "expected_answer": "Single Private AC room",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "icici-lombard__elevate__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "Does Elevate cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "icici-lombard__elevate__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Elevate?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "icici-lombard__elevate__wordings::REFUSE::regulatory_oos::hard",
    "policy_id": "icici-lombard__elevate__wordings",
    "question": "What is the IRDAI mandate on dental coverage that Elevate must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::pre_existing_disease_waiting_months::easy",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "What is the waiting period for pre-existing diseases under Health AdvantEdge?",
    "expected_answer": "48 months from policy inception",
    "question_type": "waiting_period",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::pre_existing_disease_waiting_months::medium",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "If I have diabetes, how long do I have to wait before I can claim under Health AdvantEdge?",
    "expected_answer": "48 months \u2014 pre-existing diseases have a waiting period of 48 months from policy start",
    "question_type": "waiting_period",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_existing_disease_waiting_months"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::pre_hospitalization_days::easy",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "How many days of pre-hospitalization expenses does Health AdvantEdge cover?",
    "expected_answer": "60 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "pre_hospitalization_days"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::post_hospitalization_days::easy",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "How many days of post-hospitalization expenses does Health AdvantEdge cover?",
    "expected_answer": "180 days",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "post_hospitalization_days"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::ayush_coverage::easy",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "Does Health AdvantEdge cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)?",
    "expected_answer": "Yes",
    "question_type": "coverage_scope",
    "difficulty": "easy",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "ayush_coverage"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::room_rent_capping::medium",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "Is there a cap on room rent under Health AdvantEdge?",
    "expected_answer": "1% of Annual Sum Insured for policies up to Rs. 4 Lakhs, no capping for Rs. 5 Lakhs and above",
    "question_type": "sub_limit",
    "difficulty": "medium",
    "expected_refusal": false,
    "language": "en",
    "generated_by": "pipeline_a",
    "source_field": "room_rent_capping"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "Does Health AdvantEdge cover injuries from space tourism?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::REFUSE::exclusions_oos::hard",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "What is the maximum claim amount for diamond-tipped surgical procedures under Health AdvantEdge?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "exclusions_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "icici-lombard__health-advantedge__wordings::REFUSE::regulatory_oos::hard",
    "policy_id": "icici-lombard__health-advantedge__wordings",
    "question": "What is the IRDAI mandate on dental coverage that Health AdvantEdge must follow?",
    "expected_answer": "Bot should refuse or say not in document.",
    "question_type": "regulatory_oos",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_c_refusal"
  },
  {
    "id": "tax_planning::section_80d_self_below_60::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "What is the Section 80D tax deduction limit for a self/family health insurance premium if I am under 60?",
    "expected_answer": "Bot should refuse or say it cannot advise on Income Tax Act provisions \u2014 the policy corpus does not include Section 80D limits.",
    "question_type": "tax_planning",
    "difficulty": "medium",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::section_80d_senior_parents::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "If I pay the premium for my parents who are 65 and 68, how much can I claim as a deduction under Section 80D?",
    "expected_answer": "Bot should refuse or say it cannot advise on Income Tax Act deductions \u2014 80D senior-citizen limits are not stated in any policy document in the corpus.",
    "question_type": "tax_planning",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::section_80ddb_critical_illness::REFUSE::tax_planning::hard",
    "policy_id": null,
    "question": "Can I claim a deduction under Section 80DDB for cancer treatment expenses?",
    "expected_answer": "Bot should refuse \u2014 Section 80DDB rules are part of the Income Tax Act and are not covered in the policy corpus.",
    "question_type": "tax_planning",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::section_80u_disability::REFUSE::tax_planning::hard",
    "policy_id": null,
    "question": "I have a 40% disability certificate \u2014 what is my Section 80U deduction?",
    "expected_answer": "Bot should refuse \u2014 Section 80U personal-disability deductions are an Income Tax Act provision, not a health-policy detail; the corpus does not contain ITA limits.",
    "question_type": "tax_planning",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::gst_rate_health_premium::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "What is the current GST rate charged on health insurance premiums in India?",
    "expected_answer": "Bot should refuse or say the policy documents do not state the applicable GST percentage \u2014 GST rates are set by the GST Council, not the insurer's product document.",
    "question_type": "tax_planning",
    "difficulty": "medium",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::topup_plan_tax_savings::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "If I buy a top-up health plan in addition to my base policy, is the top-up premium also eligible for tax deduction?",
    "expected_answer": "Bot should refuse on tax-eligibility advice \u2014 deduction eligibility under Section 80D is governed by the Income Tax Act, not the policy document; the bot can only describe policy features.",
    "question_type": "tax_planning",
    "difficulty": "medium",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::section_10_10d_life::REFUSE::tax_planning::hard",
    "policy_id": null,
    "question": "Are maturity proceeds from my health insurance policy tax-free under Section 10(10D)?",
    "expected_answer": "Bot should refuse or clarify that Section 10(10D) applies to life-insurance proceeds and is outside the health-policy corpus; health indemnity policies do not pay maturity proceeds.",
    "question_type": "tax_planning",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::tax_benefit_section::REFUSE::tax_planning::medium",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "The plan is called Tax Gain \u2014 what specific Section 80D tax deduction amount can I claim by buying this policy?",
    "expected_answer": "Bot should refuse or note that the Tax Gain policy document in the corpus does not state any Section 80D limit \u2014 deduction eligibility and amounts are governed by the Income Tax Act, not the policy document.",
    "question_type": "tax_planning",
    "difficulty": "medium",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "bajaj-allianz__tax-gain__cis::tax_saving_calc::REFUSE::tax_planning::hard",
    "policy_id": "bajaj-allianz__tax-gain__cis",
    "question": "If I pay \u20b915,000 premium for Tax Gain at a 30% tax bracket, exactly how much tax will I save in the financial year?",
    "expected_answer": "Bot should refuse \u2014 the Tax Gain policy document does not contain Section 80D limits or marginal tax-rate guidance; tax-saving calculations require Income Tax Act knowledge that is outside the corpus.",
    "question_type": "tax_planning",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::tds_on_claim_payouts::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "Will TDS be deducted on the cashless claim amount paid by the insurer to the hospital?",
    "expected_answer": "Bot should refuse or say TDS treatment of insurance claim payouts is governed by the Income Tax Act and is not addressed in the policy document corpus.",
    "question_type": "tax_planning",
    "difficulty": "medium",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::premium_prepay_tax_year::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "If I pay a 2-year premium in lump sum in March, can I claim the entire amount as a Section 80D deduction in the same financial year?",
    "expected_answer": "Bot should refuse \u2014 single-premium vs. multi-year apportionment rules under Section 80D are Income Tax Act provisions; the policy corpus does not include tax-treatment of lump-sum premiums.",
    "question_type": "tax_planning",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::hra_medical_interplay::REFUSE::tax_planning::hard",
    "policy_id": null,
    "question": "Can I claim HRA exemption and Section 80D health insurance deduction together in the same year?",
    "expected_answer": "Bot should refuse \u2014 HRA exemption rules and inter-section deduction interactions are Income Tax Act provisions outside the policy corpus.",
    "question_type": "tax_planning",
    "difficulty": "hard",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::preventive_checkup_80d_sublimit::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "How much of my preventive health check-up cost can I claim as a deduction under Section 80D, separately from the premium?",
    "expected_answer": "Bot should refuse on the deduction-amount question \u2014 the policy corpus describes preventive check-up coverage limits, but Section 80D sub-limit for preventive HCU (\u20b95,000 within the overall cap) is an Income Tax Act provision not stated in the documents.",
    "question_type": "tax_planning",
    "difficulty": "medium",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  },
  {
    "id": "tax_planning::cash_premium_80d_eligibility::REFUSE::tax_planning::medium",
    "policy_id": null,
    "question": "If I pay my health insurance premium in cash, can I still claim the Section 80D deduction?",
    "expected_answer": "Bot should refuse \u2014 the rule that 80D deductions require non-cash payment (except for preventive check-up) is an Income Tax Act provision; the policy documents in the corpus do not state payment-mode rules for tax eligibility.",
    "question_type": "tax_planning",
    "difficulty": "medium",
    "expected_refusal": true,
    "language": "en",
    "generated_by": "pipeline_d_tax"
  }
]