recovery: integrate stalled-session work + de-stale/cleanup (pytest 215 green) [build-fix]

Resumes the session whose 3 background agents stalled on the 600s watchdog;
captures the prior session's uncommitted #42–#110 work + data exercise plus
this session's verified recovery changes. (Rebuilt from the first attempt to
store frontend/public/insurer-logos/*.png via Git LFS — HF Spaces' pre-receive
hook requires it; .gitattributes updated, tools/.pdf_text_cache gitignored.)

Prior-session work captured (was uncommitted, behaviourally live-tested):
- single_brain rewrite, full frontend rebuild, compare/scorecard/premium UI,
~77 40-data/policy_facts sourced-data edits, new tests/tools, render.yaml drop.

This session's recovery (surgical, verified, behaviour-preserving):
- Fix app-wide HTTP 500: a `*/` inside a CSS comment killed the stylesheet.
- Remove dead get_judge_llm everywhere (judge retired in single-brain rewrite).
- eval/run.py: repair imports + hard-guard against stale results.json.
- Centralize ~13 hardcoded "40-data" literals to one settings.DATA_DIR
(resolves identically — no behaviour change).
- Mobile: touch-aware voice copy via a shared useIsTouch hook.
- Add tests/test_pdf_upload_security_gates.py + pytest.ini (clean fresh-clone).
- De-stale docs: README rewrite, ARCHITECTURE/system-overview/stack-rationale
-> README as single source of truth, ADR-039/040 status corrected.
- LFS-track frontend/public/insurer-logos/*.png (HF Space requirement).

Verified: `next build` ✓, `pytest` 215 passed, backend serving, all modified
modules runtime-import clean.

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

build-fix: untrack rag/corpus & rag/extracted (local-dev symlinks the
git add -A wrongly committed — .gitignore trailing-slash gap; matches the
known-good a62dd7ca which never tracked them) + harden .gitignore. This was
the HF BUILD_ERROR (Docker COPY collided with dataset hydration).

.gitattributes

@@ -136,3 +136,4 @@ rag/corpus/star-health/star-cardiac-care__wordings.pdf filter=lfs diff=lfs merge
 rag/corpus/star-health/star-comprehensive__wordings.pdf filter=lfs diff=lfs merge=lfs -text
 rag/corpus/star-health/star-hospital-cash__brochure.pdf filter=lfs diff=lfs merge=lfs -text
 rag/corpus/regulatory/irdai-health-insurance-regulations-2016.pdf filter=lfs diff=lfs merge=lfs -text
+frontend/public/insurer-logos/*.png filter=lfs diff=lfs merge=lfs -text

.gitignore

@@ -95,3 +95,8 @@ README.pdf
 80-audit/postfix_*/
 MUST_FIX.md
 rag/vectors
+
+# regenerable PDF-text extraction cache (tooling artifact)
+tools/.pdf_text_cache/
+rag/corpus
+rag/extracted

40-data/insurer_network.json

@@ -0,0 +1,209 @@
+{
+  "_meta": {
+    "purpose": "Official insurer-level network/empaneled hospital source per insurer. Replaces the web-backfilled per-policy network_hospital_count with a sourced figure + the official list URL. NO fabrication: every URL is on the insurer's own domain; counts only where the official page states one.",
+    "generated_at": "2026-05-16T11:09:59Z",
+    "insurers": 20
+  },
+  "insurers": {
+    "acko": {
+      "insurer_name": "Acko",
+      "network_list_url": "https://www.acko.com/gi/p/health/networkhospitals",
+      "is_pdf": false,
+      "stated_count": 5200,
+      "source_quote": "Acko has more than 5200+ hospitals where you can avail the cashless facility. The list of the network hospitals can be accessed here. (stated on Acko's official support page https://www.acko.com/support/solutions/articles/35000164551-where-can-i-find-the-network-hospitals-in-my-city-)",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Acko network-hospitals locator page on acko.com (HTTP 200, verified reachable via curl). Confirmed as the canonical network-hospitals path: Acko's own official excluded-hospitals page and support article both reference this same /health/networkhospitals path. It is an interactive JS-rendered hospital locator (search/filter by city), not a downloadable PDF; Acko does not publish a single official full-list PDF. Stated count 5200+ comes from Acko's official support article."
+    },
+    "aditya-birla": {
+      "insurer_name": "Aditya Birla Health Insurance",
+      "network_list_url": "https://www.adityabirlacapital.com/healthinsurance/locate-care/hospital-listing",
+      "is_pdf": false,
+      "stated_count": null,
+      "source_quote": "Find Cashless Hospitals in your city! Search for your preferred location or select from popular cities. ... Click here to view Hospitals not eligible for Cashless and Reimbursement",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Aditya Birla Health Insurance cashless hospital locator on adityabirlacapital.com/healthinsurance (WebFetch succeeded and confirmed it is the official locator). It is an interactive search tool (search by location / popular cities Mumbai, NCR, Bengaluru, Hyderabad, Ahmedabad, Chennai), not a downloadable PDF; no total hospital count is stated on the page itself. Aditya Birla does not publish a single official full-list PDF; the locator is the official source."
+    },
+    "bajaj-allianz": {
+      "insurer_name": "Bajaj Allianz General Insurance",
+      "network_list_url": "https://general.bajajallianz.com/BagicNxt/hm/hmSearchExternalHosp.do",
+      "is_pdf": false,
+      "stated_count": 18400,
+      "source_quote": "18,400+ Cashless Hospitals (stated on Bajaj Allianz General Insurance's own official site bajajgeneralinsurance.com/general-insurance-features/health-insurance/cashless-health-insurance.html)",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Bajaj Allianz General Insurance hospital-search/locator on general.bajajallianz.com (HTTP 200, verified reachable via curl). bajajallianz.com 301-redirects to bajajgeneralinsurance.com (same insurer). The hospital search is an interactive JS app (search by state/city/pincode/hospital name) so WebFetch sees only the shell; reachability and official status confirmed via HTTP 200 and the official cashless-health-insurance page which states 18,400+ cashless hospitals. Bajaj Allianz publishes no public official full-list PDF (only a limited Prive/HNI subset PDF); the locator is the canonical official source. Alternative official locator: https://www.bajajgeneralinsurance.com/branch-locator.html (also HTTP 200, supports hospital search)."
+    },
+    "care-health": {
+      "insurer_name": "Care Health Insurance",
+      "network_list_url": "https://www.careinsurance.com/health-plan-network-hospitals.html",
+      "is_pdf": false,
+      "stated_count": null,
+      "source_quote": "Network Hospitals | Care Health Insurance (Formerly Religare Health Insurance) -- canonical page title; Care Health states a network of 22,100+ healthcare providers including 11,600+ hospitals (per Care Health's official descriptions, not directly readable due to CDN block)",
+      "official_domain": true,
+      "verified_fetch": false,
+      "note": "This is the correct canonical official Care Health Insurance network-hospitals locator page on careinsurance.com (formerly Religare). It is consistently the #1 organic result with the official title 'Network Hospitals | Care Health Insurance' across multiple independent searches. verified_fetch is false ONLY because careinsurance.com sits behind Akamai/CDN bot protection that returns HTTP 403 'Access Denied' to all automated clients (WebFetch and curl with full browser headers both blocked) -- this is anti-bot protection, NOT a dead or wrong link; the page loads normally in a real browser. It is an interactive hospital locator (search by state/city), not a downloadable PDF. No fabricated content: stated counts could not be read directly from the page due to the block."
+    },
+    "cholamandalam": {
+      "insurer_name": "Cholamandalam MS",
+      "network_list_url": "https://www.cholainsurance.com/cashless-hospitals",
+      "is_pdf": false,
+      "stated_count": null,
+      "source_quote": "Page header: \"Cashless Hospital Network List | Chola MS\". Interactive locator with search by Pin Code, City, or Hospital Name and Cashless vs Excluded Hospital filter. No total count stated on page; no downloadable PDF present.",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Chola MS domain (cholainsurance.com). Verified via WebFetch: this is the official cashless network hospital list/locator page yielding the list via search. No bulk PDF and no on-page total count; web-search snippet cited ~8000+ network hospitals but that figure is not stated on the verified page itself, so stated_count left null. Sub-page /cashless-hospitals/general-hospital also verified as same locator."
+    },
+    "go-digit": {
+      "insurer_name": "Go Digit General Insurance",
+      "network_list_url": "https://www.godigit.com/health-insurance/digit-cashless-network-hospitals-list",
+      "is_pdf": false,
+      "stated_count": 9000,
+      "source_quote": "At Digit, we have a network of 9000+ network hospitals",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Go Digit domain (godigit.com). Verified via WebFetch: official cashless network hospitals page with interactive search by city/state/pincode yielding the network hospital list. Page explicitly states '9000+ network hospitals' (stated_count recorded as 9000 floor of the 9000+ figure). No bulk downloadable PDF; locator-based list."
+    },
+    "hdfc-ergo": {
+      "insurer_name": "HDFC ERGO General Insurance",
+      "network_list_url": "https://www.hdfcergo.com/locators/cashless-hospitals-networks",
+      "is_pdf": false,
+      "stated_count": 16000,
+      "source_quote": "16000+ healthcare providers as on February 2025.",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official HDFC ERGO domain (hdfcergo.com). Verified via WebFetch: official cashless hospitals/network locator portal with search tools (Cashless Hospitals, Preferred Hospital Network, Missing Middle Hospitals) yielding the network hospital list. Page states '16000+ healthcare providers as on February 2025' (stated_count recorded as 16000 floor of 16000+). No single bulk PDF of the full list; locator-based."
+    },
+    "icici-lombard": {
+      "insurer_name": "ICICI Lombard General Insurance",
+      "network_list_url": "https://www.icicilombard.com/cashless-hospitals",
+      "is_pdf": false,
+      "stated_count": null,
+      "source_quote": "Search result (Bing/index) title: \"Cashless Network Hospital List in India 2026\" at https://www.icicilombard.com/cashless-hospitals; an official PDF also exists at https://www.icicilombard.com/docs/default-source/default-document-library/hospital-list.pdf?sfvrsn=2",
+      "official_domain": true,
+      "verified_fetch": false,
+      "note": "Official ICICI Lombard domain (icicilombard.com). The official cashless hospital list page (/cashless-hospitals) and an official PDF (/docs/default-source/default-document-library/hospital-list.pdf) both exist on the official domain and are indexed by search engines, but icicilombard.com is behind Akamai bot protection that returns HTTP 403 to all automated clients (WebFetch and curl with multiple browser user-agents + referer all blocked; ILHC portal /Customer/GetHospitalList returns 302 redirect). Could not complete a verified fetch of page content, so verified_fetch=false honestly. URL is real and on the official domain (confirmed by search-engine indexing of its content showing the cashless network hospital list and a ~5380 hospital figure in snippets) but not personally fetch-confirmed; a real browser reaches it. Direct PDF: https://www.icicilombard.com/docs/default-source/default-document-library/hospital-list.pdf?sfvrsn=2"
+    },
+    "iffco-tokio": {
+      "insurer_name": "IFFCO Tokio",
+      "network_list_url": "https://www.iffcotokio.co.in/content/dam/iffcotokio/pdfs/list-of-network-hospitals.pdf",
+      "is_pdf": true,
+      "stated_count": null,
+      "source_quote": "Genuine IFFCO Tokio cashless/network hospital list PDF. Verified via HTTP 200, Content-Type application/pdf, Content-Length 2,332,651 bytes; PDF created 2025-09-15 from Microsoft Excel 2019, spanning 329 pages of hospital directory entries. No explicit numeric total printed inside the document.",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official IFFCO Tokio domain (iffcotokio.co.in). WebFetch + curl header check both confirm a real reachable 2.2MB / 329-page network-hospital list PDF. No aggregate hospital count stated inside the file; third-party sources cite ~6,600-7,000 but that is not on the official document so stated_count left null."
+    },
+    "indusind-general": {
+      "insurer_name": "IndusInd General Insurance (formerly Reliance General Insurance)",
+      "network_list_url": "https://www.indusindinsurance.com/downloads/Qualitative_and_Quantitate_parameters_of_network_hospitals.pdf",
+      "is_pdf": true,
+      "stated_count": null,
+      "source_quote": "Official IndusInd General Insurance network-hospital disclosure PDF (IRDAI-format: Rohini ID, Hospital Name, Address, City, Pincode, Total Bed Strength, No of Doctors). Verified reachable via HTTP 200, Content-Type application/pdf, Content-Length 2,780,251 bytes (~2.78MB). The official cashless-locator page states: \"11,000+ network garages ... along with 10,000+ hospitals for smooth cashless services.\"",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "The 'IndusInd' health brand is IndusInd General Insurance, the rebranded Reliance General Insurance; official domain is indusindinsurance.com. Linked directly from the official self-help cashless page (https://www.indusindinsurance.com/insurance/self-help/cashless-garages-and-hospitals.aspx). PDF reachable and confirmed application/pdf via curl headers; the encoded Excel-export text was not extractable by the fetcher (rendering limitation, not a broken document). No exact count printed in the PDF; official site narrative says 10,000+ hospitals (count left null since not stated inside the list document itself)."
+    },
+    "manipalcigna": {
+      "insurer_name": "ManipalCigna Health Insurance",
+      "network_list_url": "https://www.manipalcigna.com/network-hospitals",
+      "is_pdf": false,
+      "stated_count": null,
+      "source_quote": "Official ManipalCigna network-hospitals directory at manipalcigna.com/network-hospitals. WebFetch confirmed: official directory on primary domain, reachable, hospital data organized city-wise (Network Hospitals in Abhanpur, Agra, Bangalore, ... A-Z). No total numeric figure printed on the page; describes \"a vast nationwide network of trusted hospitals.\"",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "ManipalCigna does NOT publish a single official downloadable network-list PDF on its own domain; the canonical official source is the city-wise locator page https://www.manipalcigna.com/network-hospitals (verified reachable, official domain, drills down per city). The /locate-us page provides an interactive TPA/hospital search but also no consolidated PDF. Third-party/Scribd PDFs exist (~6,600-9,500 hospitals quoted by aggregators) but were excluded per the official-domain requirement. No count stated on the official page, so stated_count is null."
+    },
+    "national-insurance": {
+      "insurer_name": "National Insurance Company",
+      "network_list_url": "https://nationalinsurance.nic.co.in/key-links/our-networks/ppn-hospitals",
+      "is_pdf": false,
+      "stated_count": 5322,
+      "source_quote": "Official National Insurance Company Limited (NICL) PPN/network hospital list page. WebFetch confirmed it displays \"Showing 5322 results\" in the searchable hospital directory and offers two downloadable files: \"List of PPN Hospital (594.69 KB)\" updated as of 31 March 2026 and \"List of Network Hospitals other than PPN Cities (138.11 KB)\".",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official National Insurance domain (nationalinsurance.nic.co.in). Chosen URL is the authoritative PPN-hospitals landing page which both states the count (5,322) and links the official PDFs. The direct PDF https://nationalinsurance.nic.co.in/sites/default/files/List%20of%20Network%20Hospitals%20other%20than%20PPN%20Cities.pdf is also reachable (curl HTTP 200, application/pdf, ~141KB) but its Excel-exported text was not parser-readable; the landing page is the better canonical source as it carries the stated total and the live PDF links. Earlier /en/health-insurance/city-wise-list-ppn-hospitals path 301-redirected away (stale URL), so the /key-links/our-networks/ppn-hospitals page was used."
+    },
+    "new-india": {
+      "insurer_name": "New India Assurance",
+      "network_list_url": "https://www.newindia.co.in/hospitals-list",
+      "is_pdf": false,
+      "stated_count": 20855,
+      "source_quote": "Total Number Of Hospitals - 20,855 As On 11.02.2025",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official New India Assurance network/cashless hospital list page on newindia.co.in (verified via WebFetch). It is a searchable locator (PPN + TPA network) organized by city, not a single all-India downloadable PDF. City-specific PPN PDFs are linked from this page and confirmed reachable (e.g. https://www.newindia.co.in/cms/699a2b4e-b114-4254-b5a5-566cd65f8c8c/List%20of%20PPN%20Hospitals%20in%20Kolkata.pdf?guest=true returned a 55.9KB application/pdf). The page itself states the total network hospital count quoted above."
+    },
+    "niva-bupa": {
+      "insurer_name": "Niva Bupa Health Insurance",
+      "network_list_url": "https://rules.nivabupa.com/hospital-network/",
+      "is_pdf": false,
+      "stated_count": null,
+      "source_quote": "",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Niva Bupa (formerly Max Bupa) live network hospital locator on the nivabupa.com domain (rules.nivabupa.com subdomain), HTTP 200 verified. It is a JavaScript-rendered Bootstrap locator app yielding the network hospital list by state/city; Niva Bupa does not publish a single downloadable all-India network-hospital PDF on its own domain (network is dynamic and locator-only). Niva Bupa's official site states the network is '10K+' (10,000+) hospitals but no exact total count is rendered on the locator page itself, so stated_count is null. No content count could be quoted because the page is client-rendered."
+    },
+    "oriental-insurance": {
+      "insurer_name": "The Oriental Insurance Company",
+      "network_list_url": "https://orientalinsurance.org.in/network-hospitals",
+      "is_pdf": false,
+      "stated_count": null,
+      "source_quote": "",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Oriental Insurance network hospitals page on orientalinsurance.org.in, HTTP 200 verified. The site is a React single-page app behind AWS WAF that requires JavaScript ('This website requires JavaScript to function properly'), so the rendered network-hospital locator content is not accessible to non-browser fetch clients. The orientalinsurance.org.in/documents/.../*PPN.pdf city links found in search return an HTML SPA shell (Content-Type text/html, ~7975 bytes), not actual PDFs, when fetched without a browser/captcha session, so no downloadable PDF on the official domain could be verified. This network-hospitals locator URL is the canonical official-domain entry point for the empanelled/network hospital list. No total count is exposed without JS, so stated_count is null."
+    },
+    "reliance-general": {
+      "insurer_name": "Reliance General Insurance",
+      "network_list_url": "https://www.reliancegeneral.co.in/downloads/Network_Hospital_List_Treating_Covid-19.pdf",
+      "is_pdf": true,
+      "stated_count": null,
+      "source_quote": "",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Reliance General Insurance was rebranded as IndusInd General Insurance; the entire reliancegeneral.co.in domain now 301-redirects to indusindinsurance.com. This reliancegeneral.co.in URL resolves (via 301) to a real, reachable application/pdf (659,907 bytes, Content-Type application/pdf verified via HTTP). IMPORTANT CAVEAT: this PDF is a COVID-19-treating network hospital SUBSET, not the full all-India empanelled network list. No full all-India network-hospital PDF is served on the reliancegeneral.co.in own domain anymore; the complete current network list is an interactive locator only, on the rebranded domain https://www.indusindinsurance.com/insurance/self-help/cashless-garages-and-hospitals.aspx (official, states '10,000+ hospitals', WebFetch-verified, but that is indusindinsurance.com, not reliancegeneral.co.in). The reliancegeneral.co.in COVID PDF is recorded because it is the only network-hospital-list document verifiably reachable from the original official reliancegeneral.co.in domain."
+    },
+    "royal-sundaram": {
+      "insurer_name": "Royal Sundaram",
+      "network_list_url": "https://www.royalsundaram.in/assets/mediassist-tpa-networklist.pdf",
+      "is_pdf": true,
+      "stated_count": null,
+      "source_quote": "Column headers and records extracted from the PDF: 'HospName HospAddr1 CityName StateName HospPincode Shree Leela Devi Hospital Ratlam Road Near Naugaon Bridge Dhar Dhar Madhya Pradesh 454001 ... Sabine Hospital & Research Centre Private Limited Xii/58, Pezhakkapilly P.O Ernakulam-Cochin Kerala 686673'",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Royal Sundaram Medi Assist TPA network hospital list, hosted on royalsundaram.in/assets. Downloaded and verified locally: valid PDF v1.5, 248 pages, 953,546 text-show tokens, structured hospital records (name/address/city/state/pincode) for pan-India network hospitals. Companion file mediassist also has paramount-health-services-networklist.pdf on the same /assets path. No explicit total hospital count printed in the document itself."
+    },
+    "sbi-general": {
+      "insurer_name": "SBI General Insurance",
+      "network_list_url": "https://content.sbigeneral.in/uploads/59df4f4ec5cd48ecb9fee1c702387553.pdf",
+      "is_pdf": true,
+      "stated_count": null,
+      "source_quote": "Search-result title for this exact PDF on SBI's official CDN: 'Sr. No. Hospital Name Address City State PIN Code Information as on Date' (the standard SBI General network-hospital-list column header)",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official SBI General Insurance network/cashless hospital list PDF on content.sbigeneral.in (SBI's official document CDN, linked from sbigeneral.in/contact-us/cashless-hospitals-networks). Downloaded and confirmed valid PDF v1.7, 172 pages, 8.6 MB; WebFetch identified it as an SBI General cashless hospital network directory. Text uses CID-encoded fonts so plain-text strings/count could not be extracted, but the file is genuinely reachable and is a hospital network list. The official networks page itself carries no printed total count (states the list is dynamic; refer to TPA); SBI publicly markets '17,000+ network hospitals' on sbigeneral.in."
+    },
+    "star-health": {
+      "insurer_name": "Star Health and Allied Insurance",
+      "network_list_url": "https://www.starhealth.in/network-hospitals/",
+      "is_pdf": false,
+      "stated_count": 14000,
+      "source_quote": "Star Health and Allied Insurance has a network of over 14,000 hospitals across India",
+      "official_domain": true,
+      "verified_fetch": false,
+      "note": "Official Star Health network/cashless hospital list page on its own domain (starhealth.in/network-hospitals/), with companion live locator at starhealth.in/lookup/hospital/. Star Health is not distributed as a single downloadable PDF; the official list is the on-site searchable locator. Direct WebFetch of every starhealth.in URL returns HTTP 403 (server-side bot/Cloudflare protection on the whole domain) so the page body could not be retrieved by the fetch tool; however the page is Google-indexed and multiple independent search snippets quote its on-page text verbatim ('network of over 14,000 hospitals across India'). stated_count=14000 reflects the '14,000+' figure stated on the official page. URL is confirmed live (returns 403 from server, i.e. exists and is protected, not 404)."
+    },
+    "tata-aig": {
+      "insurer_name": "Tata AIG General Insurance",
+      "network_list_url": "https://www.tataaig.com/locator/cashless-network-hospitals",
+      "is_pdf": false,
+      "stated_count": 12000,
+      "source_quote": "Tata AIG offers cashless hospitalisation across 12,000+ large network of hospitals across India",
+      "official_domain": true,
+      "verified_fetch": true,
+      "note": "Official Tata AIG cashless network hospital locator/list page on tataaig.com (companion: tataaig.com/servicing/locator/hospital-locator). WebFetch succeeded and confirmed it is the official cashless hospital network page stating '12,000+ large network of hospitals across India'. Tata AIG does not publish a single consolidated all-India network-hospital PDF on its own domain (only an excluded/delisted-hospital PDF list and city/state filtering via the locator); the locator page is the canonical official network-hospital resource. stated_count=12000 reflects the '12,000+' figure on the page."
+    }
+  }
+}

40-data/llm_health.json

@@ -1,15 +1,54 @@
 {
-  "updated_at": "2026-05-14T16:35:39Z",
+  "updated_at": "2026-05-16T20:23:07Z",
   "models": {
     "qwen/qwen3-next-80b-a3b-instruct": {
       "model": "qwen/qwen3-next-80b-a3b-instruct",
       "status": "healthy",
-      "last_success_at": "2026-05-14T16:35:39Z",
-      "last_failure_at": null,
+      "last_success_at": "2026-05-16T20:23:07Z",
+      "last_failure_at": "2026-05-16T17:55:07Z",
       "last_error": null,
-      "latency_ms": 286,
+      "last_status_code": null,
+      "latency_ms": 907,
       "consecutive_failures": 0,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-16T20:23:07Z",
+      "probe_history": [
+        {
+          "ok": true,
+          "latency_ms": 1145,
+          "ts": "2026-05-16T20:00:14Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 658,
+          "ts": "2026-05-16T20:06:08Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 1416,
+          "ts": "2026-05-16T20:11:26Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 499,
+          "ts": "2026-05-16T20:17:37Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 907,
+          "ts": "2026-05-16T20:23:07Z",
+          "src": "probe"
+        }
+      ],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "qwen/qwen3.5-122b-a10b": {
       "model": "qwen/qwen3.5-122b-a10b",
@@ -17,9 +56,17 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "timeout",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "openai/gpt-oss-120b": {
       "model": "openai/gpt-oss-120b",
@@ -27,29 +74,115 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "empty_content",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "mistralai/mistral-large-3-675b-instruct-2512": {
       "model": "mistralai/mistral-large-3-675b-instruct-2512",
       "status": "down",
-      "last_success_at": null,
-      "last_failure_at": "2026-05-14T16:35:39Z",
+      "last_success_at": "2026-05-16T19:28:36Z",
+      "last_failure_at": "2026-05-16T20:23:07Z",
       "last_error": "timeout",
-      "latency_ms": null,
-      "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "last_status_code": null,
+      "latency_ms": 5119,
+      "consecutive_failures": 9,
+      "tested_at": "2026-05-16T20:23:07Z",
+      "probe_history": [
+        {
+          "ok": false,
+          "latency_ms": 8004,
+          "ts": "2026-05-16T20:00:14Z",
+          "src": "probe"
+        },
+        {
+          "ok": false,
+          "latency_ms": 42670,
+          "ts": "2026-05-16T20:06:08Z",
+          "src": "probe"
+        },
+        {
+          "ok": false,
+          "latency_ms": 8009,
+          "ts": "2026-05-16T20:11:26Z",
+          "src": "probe"
+        },
+        {
+          "ok": false,
+          "latency_ms": 8003,
+          "ts": "2026-05-16T20:17:37Z",
+          "src": "probe"
+        },
+        {
+          "ok": false,
+          "latency_ms": 7997,
+          "ts": "2026-05-16T20:23:07Z",
+          "src": "probe"
+        }
+      ],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "nvidia/llama-3.3-nemotron-super-49b-v1.5": {
       "model": "nvidia/llama-3.3-nemotron-super-49b-v1.5",
-      "status": "down",
-      "last_success_at": null,
-      "last_failure_at": "2026-05-14T16:35:39Z",
-      "last_error": "empty_content",
-      "latency_ms": null,
-      "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "status": "healthy",
+      "last_success_at": "2026-05-16T20:23:07Z",
+      "last_failure_at": "2026-05-16T20:17:37Z",
+      "last_error": null,
+      "last_status_code": null,
+      "latency_ms": 296,
+      "consecutive_failures": 0,
+      "tested_at": "2026-05-16T20:23:07Z",
+      "probe_history": [
+        {
+          "ok": true,
+          "latency_ms": 280,
+          "ts": "2026-05-16T20:00:14Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 388,
+          "ts": "2026-05-16T20:06:08Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 306,
+          "ts": "2026-05-16T20:11:26Z",
+          "src": "probe"
+        },
+        {
+          "ok": false,
+          "latency_ms": 62582,
+          "ts": "2026-05-16T20:17:37Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 296,
+          "ts": "2026-05-16T20:23:07Z",
+          "src": "probe"
+        }
+      ],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "meta/llama-3.3-70b-instruct": {
       "model": "meta/llama-3.3-70b-instruct",
@@ -57,9 +190,17 @@
       "last_success_at": "2026-05-14T16:35:39Z",
       "last_failure_at": "2026-05-14T15:58:40Z",
       "last_error": null,
+      "last_status_code": null,
       "latency_ms": 479,
       "consecutive_failures": 0,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "deepseek-ai/deepseek-v4-pro": {
       "model": "deepseek-ai/deepseek-v4-pro",
@@ -67,9 +208,17 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "timeout",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "nvidia/nemotron-3-nano-30b-a3b": {
       "model": "nvidia/nemotron-3-nano-30b-a3b",
@@ -77,9 +226,17 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "empty_content",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "deepseek-ai/deepseek-v4-flash": {
       "model": "deepseek-ai/deepseek-v4-flash",
@@ -87,9 +244,17 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "timeout",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "moonshotai/kimi-k2-instruct-0905": {
       "model": "moonshotai/kimi-k2-instruct-0905",
@@ -97,9 +262,17 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "http_404",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "minimaxai/minimax-m2.5": {
       "model": "minimaxai/minimax-m2.5",
@@ -107,19 +280,66 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "http_410",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 5,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "meta/llama-4-maverick-17b-128e-instruct": {
       "model": "meta/llama-4-maverick-17b-128e-instruct",
-      "status": "degraded",
-      "last_success_at": "2026-05-14T16:35:39Z",
-      "last_failure_at": "2026-05-14T01:03:07Z",
+      "status": "healthy",
+      "last_success_at": "2026-05-16T20:23:07Z",
+      "last_failure_at": "2026-05-16T14:04:03Z",
       "last_error": null,
-      "latency_ms": 7197,
+      "last_status_code": null,
+      "latency_ms": 1302,
       "consecutive_failures": 0,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-16T20:23:07Z",
+      "probe_history": [
+        {
+          "ok": true,
+          "latency_ms": 1555,
+          "ts": "2026-05-16T20:00:14Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 969,
+          "ts": "2026-05-16T20:06:08Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 900,
+          "ts": "2026-05-16T20:11:26Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 564,
+          "ts": "2026-05-16T20:17:37Z",
+          "src": "probe"
+        },
+        {
+          "ok": true,
+          "latency_ms": 1302,
+          "ts": "2026-05-16T20:23:07Z",
+          "src": "probe"
+        }
+      ],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     },
     "openrouter:openai/gpt-oss-120b": {
       "model": "openrouter:openai/gpt-oss-120b",
@@ -127,9 +347,17 @@
       "last_success_at": null,
       "last_failure_at": "2026-05-14T16:35:39Z",
       "last_error": "empty_content",
+      "last_status_code": null,
       "latency_ms": null,
       "consecutive_failures": 4,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": 32.802310819,
+      "credits_unit": "usd_balance",
+      "credits_reset_at": null,
+      "credits_observed_at": 97811.656528458,
+      "credits_low_water": 0.05
     },
     "groq:llama-3.3-70b-versatile": {
       "model": "groq:llama-3.3-70b-versatile",
@@ -137,9 +365,17 @@
       "last_success_at": "2026-05-14T16:35:39Z",
       "last_failure_at": null,
       "last_error": null,
+      "last_status_code": null,
       "latency_ms": 200,
       "consecutive_failures": 0,
-      "tested_at": "2026-05-14T16:35:39Z"
+      "tested_at": "2026-05-14T16:35:39Z",
+      "probe_history": [],
+      "degraded_until_monotonic": 0.0,
+      "credits_remaining": null,
+      "credits_unit": null,
+      "credits_reset_at": null,
+      "credits_observed_at": null,
+      "credits_low_water": 0.0
     }
   }
 }

40-data/policy_facts/acko__arogya-sanjeevani__wordings.json

@@ -32,11 +32,32 @@
     "_confidence": "medium"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      50000,
+      100000,
+      150000,
+      200000,
+      250000,
+      300000,
+      350000,
+      400000,
+      450000,
+      500000,
+      550000,
+      600000,
+      650000,
+      700000,
+      750000,
+      800000,
+      850000,
+      900000,
+      950000,
+      1000000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/acko/arogya-sanjeevani__wordings.pdf",
-    "source_quote": "not stated in acko__arogya-sanjeevani__wordings.pdf",
-    "_confidence": "low"
+    "source_quote": "Sum insured (₹) Lakhs 0.5, 1, 1.5, 2, 2.5, 3, 3.5, 4, 4.5, 5, 5.5, 6, 6.5, 7, 7.5, 8, 8.5, 9, 9.5, 10 (wordings p.23-25)",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/bajaj-allianz__silver-health__cis.json

@@ -32,11 +32,13 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      300000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/bajaj-allianz/silver-health__cis.pdf",
-    "source_quote": "not stated in bajaj-allianz__silver-health__cis.pdf",
-    "_confidence": "low"
+    "source_quote": "Sum Insured available for each individual is Rs 300,000 / Sum Insured available for each family member is Rs 300,000 / Sum Insured of Rs 300,000 is available for the entire family (cis p.7-7)",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": null,

40-data/policy_facts/bajaj-allianz__tax-gain__cis.json

@@ -110,11 +110,11 @@
     "_confidence": "high"
   },
   "co_payment_pct": {
-    "value": null,
-    "unit": "percent",
+    "value": 0,
+    "unit": null,
     "source_pdf_path": "rag/corpus/bajaj-allianz/tax-gain__cis.pdf",
-    "source_quote": "not stated in bajaj-allianz__tax-gain__cis.pdf",
-    "_confidence": "low"
+    "source_quote": "Co-payment (it is a specified amount /percentage of the admissible claim amount to be paid by policy holder/insured) - Not Applicable (cis p.3-4)",
+    "_confidence": "high"
   },
   "room_rent_capped_at_pct_of_si": {
     "value": null,

40-data/policy_facts/care-health__care-advantage__brochure.json

@@ -18,11 +18,11 @@
     "_confidence": "high"
   },
   "max_entry_age": {
-    "value": null,
+    "value": "No maximum age (Lifelong)",
     "unit": "years",
     "source_pdf_path": "rag/corpus/care-health/care-advantage__brochure.pdf",
-    "source_quote": "not stated in care-health__care-advantage__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "Entry Age – Maximum Lifelong; Age of Proposer 18 Years or above (brochure p.3-5)",
+    "_confidence": "high"
   },
   "min_child_entry_age": {
     "value": 91,

40-data/policy_facts/care-health__care-classic__wordings.json

@@ -187,11 +187,11 @@
     "_confidence": "low"
   },
   "room_rent_capping": {
-    "value": null,
+    "value": "1% of SI per day (Room Rent); 2% of SI per day (ICU) - default eligibility",
     "unit": null,
     "source_pdf_path": "rag/corpus/care-health/care-classic__wordings.pdf",
-    "source_quote": "not stated in care-health__care-classic__wordings.pdf",
-    "_confidence": "low"
+    "source_quote": "3.2.4 Optional Benefit : Room Rent and ICU Modification ... the Company agrees to upgrade the eligibility of Room Rent / Room Category from '1% of SI per day' to 'Single Private AC Room', similarly ICU Charges limit from '2% of SI per day' to 'No limit' (wordings p.13-14)",
+    "_confidence": "high"
   },
   "maternity_coverage": {
     "value": true,

40-data/policy_facts/care-health__care-heart__brochure.json

@@ -14,10 +14,10 @@
     "_confidence": "high"
   },
   "max_entry_age": {
-    "value": null,
+    "value": "No maximum age",
     "source_pdf_path": "rag/corpus/care-health/care-heart__brochure.pdf",
-    "source_quote": "not stated in care-health__care-heart__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "Eligibility Criteria Entry Age Minimum 18 years; Entry Age Maximum No Maximum Age; Renewable Life long (brochure p.1-1)",
+    "_confidence": "high"
   },
   "pre_existing_disease_waiting_months": {
     "value": 24,
@@ -107,10 +107,15 @@
     "source_quote": "Insurer-level metric backfilled from public-web source — see source_url"
   },
   "sum_insured_options": {
-    "value": null,
-    "source_pdf_path": "rag/corpus/care-health/care-heart__brochure.pdf",
-    "source_quote": "not stated in care-health__care-heart__brochure.pdf",
-    "_confidence": "low"
+    "value": [
+      300000,
+      500000,
+      700000,
+      1000000
+    ],
+    "source_pdf_path": "rag/corpus/care-health/care-heart__brochure.pdf",
+    "source_quote": "SUM INSURED** ` 3 Lakh ` 5 Lakh ` 7 Lakh ` 10 Lakh  (** Other sum insured options are also available) (brochure p.1-2)",
+    "_confidence": "high"
   },
   "claim_settlement_ratio": {
     "value": null,

40-data/policy_facts/cholamandalam__arogya-sanjeevani__wordings.json

@@ -203,10 +203,10 @@
     "_confidence": "high"
   },
   "maternity_coverage": {
-    "value": null,
+    "value": false,
     "unit": null,
     "source_pdf_path": "rag/corpus/cholamandalam/arogya-sanjeevani__wordings.pdf",
-    "source_quote": "not stated in arogya-sanjeevani__wordings.pdf",
-    "_confidence": "low"
+    "source_quote": "7.15 Maternity Expenses: (Code-Excl 18): i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalisation) except ectopic pregnancy; ii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period. (wordings p.20-21)",
+    "_confidence": "high"
   }
 }

40-data/policy_facts/hdfc-ergo__my-health-sampoorna-suraksha__brochure.json

@@ -18,10 +18,10 @@
     "_confidence": "high"
   },
   "max_entry_age": {
-    "value": null,
+    "value": "No maximum entry age (any age entry)",
     "unit": "years",
     "source_pdf_path": "rag/corpus/hdfc-ergo/my-health-sampoorna-suraksha__brochure.pdf",
-    "source_quote": "Entry Age Base Cover: Proposer Adult Dependent Child/Children Minimum Entry Age – 18 Years Minimum Entry Age – 18 Years Minimum Entry Age – 91 days Maximum Entry Age – Lifetime Entry Maximum Entry Age – Lifetime Entry Maximum Entry Age - 25 years",
+    "source_quote": "Entry age Any age Entry Any age Entry Any age Entry Any age Entry Any age Entry Any age Entry",
     "_confidence": "high"
   },
   "min_child_entry_age": {
@@ -108,11 +108,11 @@
     "_confidence": "high"
   },
   "co_payment_pct": {
-    "value": null,
+    "value": 0,
     "unit": "percent",
     "source_pdf_path": "rag/corpus/hdfc-ergo/my-health-sampoorna-suraksha__brochure.pdf",
-    "source_quote": "not stated in hdfc-ergo__my-health-sampoorna-suraksha__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "treatment all over India without any co-payment.",
+    "_confidence": "medium"
   },
   "room_rent_capped_at_pct_of_si": {
     "value": null,

40-data/policy_facts/hdfc-ergo__my-health-suraksha__brochure.json

@@ -18,10 +18,10 @@
     "_confidence": "medium"
   },
   "max_entry_age": {
-    "value": null,
+    "value": "No maximum entry age (any age entry)",
     "unit": "years",
     "source_pdf_path": "rag/corpus/hdfc-ergo/my-health-suraksha__brochure.pdf",
-    "source_quote": "Entry Age: Base Cover Proposer Adult Dependent Child/Children • Minimum Entry Age – 18 Years • Minimum Entry Age – 18 Years • Minimum Entry Age – 91 days • Maximum Entry Age – Lifetime Entry • Maximum Entry Age - Lifetime Entry • Maximum Entry Age - 25 years",
+    "source_quote": "Any age entry option with lifetime renewal",
     "_confidence": "high"
   },
   "min_child_entry_age": {
@@ -139,11 +139,11 @@
     "_confidence": "high"
   },
   "co_payment_pct": {
-    "value": null,
+    "value": 0,
     "unit": "percent",
     "source_pdf_path": "rag/corpus/hdfc-ergo/my-health-suraksha__brochure.pdf",
-    "source_quote": "not stated in hdfc-ergo__my-health-suraksha__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "treatment all over India without any co-payment.",
+    "_confidence": "medium"
   },
   "room_rent_capped_at_pct_of_si": {
     "value": null,

40-data/policy_facts/hdfc-ergo__my-optima-secure-older-variant__wordings.json

@@ -59,7 +59,7 @@
   "copayment_pct": {
     "value": null,
     "source_pdf_path": "rag/corpus/hdfc-ergo/my-optima-secure-older-variant__wordings.pdf",
-    "source_quote": "not stated in hdfc-ergo__my-optima-secure-older-variant__wordings.pdf",
+    "source_quote": "no product-wide co-payment stated in policy wording; only a Tier-based conditional rule is present ('No co-payment shall apply if Insured Person from Tier 2 avails a treatment in Tier 1') — checked all indexed chunks",
     "_confidence": "low"
   },
   "no_claim_bonus_pct": {

40-data/policy_facts/hdfc-ergo__my-optima-secure__wordings.json

@@ -59,7 +59,7 @@
   "copayment_pct": {
     "value": null,
     "source_pdf_path": "rag/corpus/hdfc-ergo/my-optima-secure__wordings.pdf",
-    "source_quote": "not stated in hdfc-ergo__my-optima-secure__wordings.pdf",
+    "source_quote": "no product-wide co-payment stated in policy wording; only a Tier-based conditional rule is present ('No co-payment shall apply if Insured Person from Tier 2 avails a treatment in Tier 1') — checked all indexed chunks",
     "_confidence": "low"
   },
   "no_claim_bonus_pct": {

40-data/policy_facts/hdfc-ergo__optima-restore__brochure.json

@@ -116,11 +116,11 @@
     "_confidence": "high"
   },
   "co_payment_pct": {
-    "value": null,
+    "value": 0,
     "unit": "percent",
     "source_pdf_path": "rag/corpus/hdfc-ergo/optima-restore__brochure.pdf",
-    "source_quote": "not stated in hdfc-ergo__optima-restore__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "In any city or hospital you like in the country with policy renewal.\nno additional copays or sub-limits.",
+    "_confidence": "high"
   },
   "room_rent_capped_at_pct_of_si": {
     "value": null,
@@ -236,5 +236,12 @@
     "source_pdf_path": "rag/corpus/hdfc-ergo/optima-restore__brochure.pdf",
     "source_quote": "2X MULTIPLIER BENEFIR 50% increase in your basic sum insured for every claim free year, subject to a maximum of 100%.",
     "_confidence": "high"
+  },
+  "maternity_coverage": {
+    "value": false,
+    "unit": "boolean",
+    "source_pdf_path": "rag/corpus/hdfc-ergo/optima-restore__brochure.pdf",
+    "source_quote": "EXCLUSIONS • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.\n• Pregnancy, dental treatment, external aids and appliances.",
+    "_confidence": "high"
   }
 }

40-data/policy_facts/indusind-general__group-mediclaim__wordings.json

@@ -191,5 +191,12 @@
     "source_pdf_path": "rag/corpus/indusind-general/group-mediclaim__wordings.pdf",
     "source_quote": "The Insured Person chooses a room category in which the room rent charges are more than the applicable Sum Insured sub-limit (in percentage or Rupee terms) on the room rent as per the Policy term",
     "_confidence": "medium"
+  },
+  "maternity_coverage": {
+    "value": false,
+    "unit": "boolean",
+    "source_pdf_path": "rag/corpus/indusind-general/group-mediclaim__wordings.pdf",
+    "source_quote": "Maternity: Code Excl18\ni. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred\nduring hospitalization) except ectopic pregnancy;",
+    "_confidence": "high"
   }
 }

40-data/policy_facts/indusind-general__health-gain__wordings.json

@@ -209,5 +209,12 @@
     "source_pdf_path": "rag/corpus/indusind-general/health-gain__wordings.pdf",
     "source_quote": "not stated in indusind-general__health-gain__wordings.pdf",
     "_confidence": "low"
+  },
+  "no_claim_bonus_pct": {
+    "value": 33.33,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/indusind-general/health-gain__wordings.pdf",
+    "source_quote": "The Company shall provide 33.33 % (one third) of the Base Sum Insured as Cumulative Bonus at the end of each completed and continuous Policy Year, provided that no Claim has been made in the expiring Policy Year.",
+    "_confidence": "high"
   }
 }

40-data/policy_facts/manipalcigna__sarvah-param__brochure.json

@@ -18,11 +18,11 @@
     "_confidence": "high"
   },
   "max_entry_age": {
-    "value": null,
+    "value": 65,
     "unit": "years",
     "source_pdf_path": "rag/corpus/manipalcigna/sarvah-param__brochure.pdf",
-    "source_quote": "not stated in manipalcigna__sarvah-param__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "Coverage under this option is available on Individual and Family Basis. Min Age at Entry - 5 Years, Max Age at Entry 65 Years.",
+    "_confidence": "high"
   },
   "min_child_entry_age": {
     "value": 91,
@@ -239,5 +239,12 @@
     "value": "No cap",
     "_confidence": "medium",
     "source_quote": "No cap"
+  },
+  "no_claim_bonus_pct": {
+    "value": 100,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/manipalcigna/sarvah-param__brochure.pdf",
+    "source_quote": "We will provide an option to policyholder to get Guaranteed Gullak (Guaranteed Cumulative Bonus) increase 100% of base Sum Insured for each policy year up to the maximum of 1,500% of base Sum Insured irrespective of any claim made in the previous Policy Year.",
+    "_confidence": "high"
   }
 }

40-data/policy_facts/national-insurance__national-critical-illness__prospectus.json

@@ -32,11 +32,35 @@
     "_confidence": "high"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      100000,
+      200000,
+      300000,
+      400000,
+      500000,
+      600000,
+      700000,
+      800000,
+      900000,
+      1000000,
+      1500000,
+      2000000,
+      2500000,
+      3000000,
+      3500000,
+      4000000,
+      4500000,
+      5000000,
+      5500000,
+      6000000,
+      6500000,
+      7000000,
+      7500000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/national-insurance/national-critical-illness__prospectus.pdf",
-    "source_quote": "not stated in national-critical-illness__prospectus.pdf",
-    "_confidence": "low"
+    "source_quote": "The SI available per insured person is INR 1/ 2/ 3/ 4/ 5/ 6/ 7/ 8/ 9/ 10/ 15/ 20/ 25/ 30/ 35/ 40/ 45/ 50/ 55/ 60/ 65/ 70/ 75 Lakh.",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/national-insurance__national-mediclaim__prospectus.json

@@ -32,11 +32,22 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      100000,
+      200000,
+      300000,
+      400000,
+      500000,
+      600000,
+      700000,
+      800000,
+      900000,
+      1000000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/national-insurance/national-mediclaim__prospectus.pdf",
-    "source_quote": "not stated in national-mediclaim__prospectus.pdf",
-    "_confidence": "low"
+    "source_quote": "Basic Sum Insured (Basic SI) The Policy is available with options of Basic SI of ₹ 1/ 2/ 3/ 4/ 5/ 6/ 7/ 8/ 9/ 10 L.",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/national-insurance__national-super-top-up__prospectus.json

@@ -32,11 +32,21 @@
     "_confidence": "medium"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      300000,
+      500000,
+      700000,
+      1000000,
+      1500000,
+      2000000,
+      3000000,
+      5000000,
+      8000000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/national-insurance/national-super-top-up__prospectus.pdf",
-    "source_quote": "not stated in national-super-top-up__prospectus.pdf",
-    "_confidence": "low"
+    "source_quote": "Policy is available with following combinations of Threshold and Sum Insured (in ₹): Threshold Sum Insured (above Threshold) 2 Lakhs 3,5,7 Lakhs 3 Lakhs 3,5,7,10 Lakhs 5 Lakhs 5,7,10,15 Lakhs 8 Lakhs 8,10,15,20 Lakhs 10 Lakhs 10,15,20,30 Lakhs 20 Lakhs 20,30,50,80 Lakhs",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/national-insurance__national-surrogacy__cis.json

@@ -108,11 +108,11 @@
     "_confidence": "high"
   },
   "co_payment_pct": {
-    "value": null,
+    "value": 0,
     "unit": "percent",
     "source_pdf_path": "rag/corpus/national-insurance/national-surrogacy__cis.pdf",
-    "source_quote": "not stated in national-surrogacy__cis.pdf",
-    "_confidence": "low"
+    "source_quote": "ii. Co-payment None (It is a specified amount/percentage of the admissible claim amount to be paid by policyholder/insured).",
+    "_confidence": "high"
   },
   "room_rent_capped_at_pct_of_si": {
     "value": "Single AC/Non-AC base single room category; proportionate deduction if higher category; no cap in PPN packaged procedure",

40-data/policy_facts/national-insurance__national-young-india-plus__prospectus.json

@@ -32,11 +32,16 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      500000,
+      1000000,
+      1500000,
+      2500000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/national-insurance/national-young-india-plus__prospectus.pdf",
-    "source_quote": "not stated in national-young-india-plus__prospectus.pdf",
-    "_confidence": "low"
+    "source_quote": "TABLE OF BENEFITS Name National Young India Mediclaim Plus Policy (NYIMPP) Sum Insured ₹ 5L, 10L, 15L, 25L (Basic SI)",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/national-insurance__national-young-india__prospectus.json

@@ -32,11 +32,15 @@
     "_confidence": "medium"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      300000,
+      500000,
+      1000000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/national-insurance/national-young-india__prospectus.pdf",
-    "source_quote": "not stated in national-young-india__prospectus.pdf",
-    "_confidence": "low"
+    "source_quote": "TABLE OF BENEFITS Name National Young India Mediclaim Policy (NYIMP) Type Individual/ Floater Category of Cover Indemnity Sum Insured ₹ 3L, 5L, 10L (Basic SI)",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/national-insurance__universal-health__prospectus.json

@@ -32,11 +32,14 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      30000,
+      50000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/national-insurance/universal-health__prospectus.pdf",
-    "source_quote": "not stated in universal-health__prospectus.pdf",
-    "_confidence": "low"
+    "source_quote": "TABLE OF BENEFITS Product Universal Health Insurance Policy Section I SI - ₹ 30,000 SI - ₹ 50,000",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/new-india__janata-mediclaim-policy__wordings.json

@@ -108,10 +108,14 @@
     "source_quote": "Insurer-level metric backfilled from public-web source — see source_url"
   },
   "sum_insured_options": {
-    "value": null,
-    "source_pdf_path": "rag/corpus/new-india/janata-mediclaim-policy__wordings.pdf",
-    "source_quote": "not stated in janata-mediclaim-policy__wordings.pdf",
-    "_confidence": "low"
+    "value": [
+      50000,
+      75000
+    ],
+    "unit": "INR",
+    "source_pdf_path": "rag/corpus/new-india/janata-mediclaim-policy__wordings.pdf",
+    "source_quote": "OPD Rs. 250 and Rs. 375 for a Sum insured of Rs. 50000 and 75000 respectively as follow up charges over and above the pre and post hospitalization charges.",
+    "_confidence": "medium"
   },
   "claim_settlement_ratio": {
     "value": null,

40-data/policy_facts/new-india__new-india-mediclaim-policy__brochure.json

@@ -109,9 +109,16 @@
     "source_quote": "Insurer-level metric backfilled from public-web source — see source_url"
   },
   "sum_insured_options": {
-    "value": null,
-    "source_pdf_path": "rag/corpus/new-india/new-india-mediclaim-policy__brochure.pdf",
-    "source_quote": "You are free to choose any Sum Insured ranging from Rs. One Lakh to Fifteen Lakhs.",
+    "value": [
+      100000,
+      400000,
+      600000,
+      700000,
+      1500000
+    ],
+    "unit": "INR",
+    "source_pdf_path": "rag/corpus/new-india/new-india-mediclaim-policy__brochure.pdf",
+    "source_quote": "You are free to choose any Sum Insured ranging from Rs. One Lakh to Fifteen Lakhs. The Premium You pay depends upon Your Age and the Sum Insured chosen. You are free to choose any Sum Insured available in the range specified above. But it is in your own interest to choose the Sum Insured which could satisfy your present as well as future needs. Sum Insured of Rs. 4 lakhs, 6 lakhs and 7 lakhs are not available for a fresh Policy and is only available in case of renewal with same Sum insured.",
     "_confidence": "medium"
   },
   "claim_settlement_ratio": {

40-data/policy_facts/new-india__universal-health-insurance__wordings.json

@@ -113,10 +113,13 @@
     "source_quote": "Insurer-level metric backfilled from public-web source — see source_url"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      30000
+    ],
+    "unit": "INR",
     "source_pdf_path": "rag/corpus/new-india/universal-health-insurance__wordings.pdf",
-    "source_quote": "not stated in universal-health-insurance__wordings.pdf",
-    "_confidence": "low"
+    "source_quote": "Company's liability in respect of all claims admitted during the Policy Period shall not exceed the Sum Insured of Rs.30000/- per person or family as mentioned in the Schedule.",
+    "_confidence": "high"
   },
   "claim_settlement_ratio": {
     "value": null,

40-data/policy_facts/new-india__yuva-bharat-health-policy__wordings.json

@@ -110,10 +110,17 @@
     "source_quote": "Insurer-level metric backfilled from public-web source — see source_url"
   },
   "sum_insured_options": {
-    "value": null,
-    "source_pdf_path": "rag/corpus/new-india/yuva-bharat-health-policy__wordings.pdf",
-    "source_quote": "not stated in yuva-bharat-health-policy__wordings.pdf",
-    "_confidence": "low"
+    "value": [
+      500000,
+      1000000,
+      1500000,
+      2500000,
+      5000000
+    ],
+    "unit": "INR",
+    "source_pdf_path": "rag/corpus/new-india/yuva-bharat-health-policy__wordings.pdf",
+    "source_quote": "Sum insured of Rs. 5,00,000 /10,00,000/15,00,000 Single AC room Sum insured of Rs. 25,00,000 /50,00,000 Deluxe AC room",
+    "_confidence": "high"
   },
   "claim_settlement_ratio": {
     "value": null,

40-data/policy_facts/oriental-insurance__arogya-sanjeevani__brochure.json

@@ -217,7 +217,13 @@
     "source_quote": "Policy can be issued, as per the option of the Proposer, on • Individual Basis (i.e., Sum Insured and Cumulative Bonus shall apply separately on each Insured Person) • Floater Basis (i.e., Sum Insured and Cumulative Bonus shall apply cumulatively to c",
     "_confidence": "medium"
   },
-  "maternity_coverage": null,
+  "maternity_coverage": {
+    "value": false,
+    "unit": "boolean",
+    "source_pdf_path": "rag/corpus/oriental-insurance/arogya-sanjeevani__brochure.pdf",
+    "source_quote": "Maternity Expenses (Code - Excl 18): i. Medical treatment expenses traceable to childbirth(including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of",
+    "_confidence": "high"
+  },
   "room_rent_capping": {
     "value": "Upto SI INR 5 Lacs: Up to 2% of the sum insured subject to maximum of Rs. 5000/- per day. SI INR 6, 8, 10 Lacs: Up to 2% of the sum insured subject to maximum of Rs. 10,000/- per day. SI INR 15 & 20 Lacs: Up to 2% of the sum insured subject to maximum of Rs. 20,000/- per day.",
     "unit": "text",

40-data/policy_facts/oriental-insurance__happy-family-floater__brochure.json

@@ -228,6 +228,13 @@
     "source_quote": "ii. Room, Boarding and Nursing Expenses as provided by the Hospital /Nursing Home. 1 % of the Sum Insured per day 1 % of the Sum Insured per day 1% of the Sum Insured per day 1% of the Sum Insured per day",
     "_confidence": "high"
   },
+  "no_claim_bonus_pct": {
+    "value": 0,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/oriental-insurance/happy-family-floater__brochure.pdf",
+    "source_quote": "6.33 NO CLAIM DISCOUNT /LOADING: This is a one-time benefit for those Insured Persons covered under Happy Family Floater Policy. Happy Family Floater Policy had the provision of No Claim Discount / Loading, which has been discontinued under Happy Family Floater Policy-2015.",
+    "_confidence": "high"
+  },
   "_meta": {
     "network_hospital_backfill_2026-05-15": "oriental-insurance insurer-wide count backfilled in targeted scrape pass"
   }

40-data/policy_facts/oriental-insurance__oriental-mediclaim-individual__wordings.json

@@ -32,11 +32,23 @@
     "_confidence": "high"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      100000,
+      500000,
+      1000000,
+      1200000,
+      1500000,
+      1800000,
+      2000000,
+      2500000,
+      3000000,
+      4000000,
+      5000000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/oriental-insurance/oriental-mediclaim-individual__wordings.pdf",
-    "source_quote": "not stated in oriental-insurance__oriental-mediclaim-individual__wordings.pdf",
-    "_confidence": "low"
+    "source_quote": "5.30 SUM INSURED: Minimum sum insured is Rs 100,000 and in multiples of Rs 50,000 up to Rs5, 00,000. Beyond the Sum Insured of Rs. 5,00,000 in multiples of Rs. 1,00,000 Up to Rs 10,00,000. Thereafter the sum insured slabs available are Rs. 12, 15, 18, 20, 25, 30, 40 and 50 lakhs.",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,
@@ -214,6 +226,13 @@
     "source_quote": "i. Room, Boarding and Nursing Expenses as provided by the Hospital /Nursing Home. Not exceeding 1 % of the Sum Insured per day",
     "_confidence": "high"
   },
+  "maternity_coverage": {
+    "value": false,
+    "unit": "boolean",
+    "source_pdf_path": "rag/corpus/oriental-insurance/oriental-mediclaim-individual__wordings.pdf",
+    "source_quote": "4.18 Maternity- Code- ExcI18 i. Medical treatment expenses traceable to childbirth (including complicated deliveries and cesarean sections incurred during hospitalization) except ectopic pregnancy. ii. Expenses towards miscarriage (unless due to an accident) and",
+    "_confidence": "high"
+  },
   "_meta": {
     "network_hospital_backfill_2026-05-15": "oriental-insurance insurer-wide count backfilled in targeted scrape pass"
   }

40-data/policy_facts/reliance-general__personal-accident__wordings.json

@@ -107,6 +107,15 @@
     "source_note": "10,000+ Network Hospitals (Reliance General rebranded to IndusInd Insurance; homepage, scraped 2026-05-15)",
     "_confidence": "high"
   },
+  "no_claim_bonus_pct": {
+    "value": 5,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/reliance-general/personal-accident__wordings.pdf",
+    "source_quote": "Cumulative Bonus: At the end of each Policy Period, the Company will provide 5% of the expiring Policy Capital Sum Insured on a cumulative basis as Cumulative Bonus for each completed and continuous Policy Year, provided that there is no Claim in the expiring Policy Year.",
+    "source_doc_type": "wordings",
+    "source_page": "2-3",
+    "_confidence": "high"
+  },
   "co_payment_pct": {
     "value": null,
     "unit": "%",

40-data/policy_facts/royal-sundaram__advanced-top-up__brochure.json

@@ -107,6 +107,13 @@
     "source_note": "12500+ Cashless hospitals (homepage, scraped 2026-05-15)",
     "_confidence": "high"
   },
+  "no_claim_bonus_pct": {
+    "value": null,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/royal-sundaram/advanced-top-up__brochure.pdf",
+    "source_quote": "no No-Claim-Bonus / Cumulative-Bonus benefit percentage stated in policy wording, brochure or CIS; this is a top-up plan whose only NCB references are generic continuity-of-credit on renewal/portability ('Cumulative Bonus earned will be suitably passed on the fresh policy of child') with no benefit percentage (checked all indexed chunks across wordings, brochure and CIS siblings)",
+    "_confidence": "low"
+  },
   "co_payment_pct": {
     "value": null,
     "unit": "%",

40-data/policy_facts/royal-sundaram__arogya-sanjeevani__wordings.json

@@ -179,6 +179,16 @@
     "source_quote": "4.2. AYUSH Treatment The Company shall indemnify medical expenses incurred for inpatient care treatment Under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines during each Policy Year",
     "_confidence": "high"
   },
+  "maternity_coverage": {
+    "value": false,
+    "unit": "boolean",
+    "source_pdf_path": "rag/corpus/royal-sundaram/arogya-sanjeevani__wordings.pdf",
+    "source_quote": "7.15. Maternity Expenses (Code – Excl18): i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination",
+    "source_doc_type": "wordings",
+    "source_page": "12-13",
+    "_note": "Maternity expenses are an express permanent exclusion (Code-Excl18) under Arogya Sanjeevani",
+    "_confidence": "high"
+  },
   "domiciliary_treatment": {
     "value": false,
     "unit": "boolean",

40-data/policy_facts/royal-sundaram__family-plus__cis.json

@@ -11,17 +11,19 @@
     "_confidence": "high"
   },
   "min_entry_age": {
-    "value": null,
+    "value": 18,
     "unit": "years",
-    "source_pdf_path": "rag/corpus/royal-sundaram/family-plus__cis.pdf",
-    "source_quote": "not stated in royal-sundaram__family-plus__cis.pdf",
-    "_confidence": "low"
+    "source_pdf_path": "rag/corpus/royal-sundaram/family-plus__wordings.pdf",
+    "source_quote": "Entry age for adults is 18 years onwards and from 91 days to 21 years for children. New born children can be added to existing policies at renewal.",
+    "source_doc_type": "wordings",
+    "source_page": "56-58",
+    "_confidence": "high"
   },
   "max_entry_age": {
     "value": null,
     "unit": "years",
-    "source_pdf_path": "rag/corpus/royal-sundaram/family-plus__cis.pdf",
-    "source_quote": "not stated in royal-sundaram__family-plus__cis.pdf",
+    "source_pdf_path": "rag/corpus/royal-sundaram/family-plus__wordings.pdf",
+    "source_quote": "no maximum adult entry age stated in policy wording (Product Benefit Table states 'Entry age for adults is 18 years onwards'; child entry age 91 days to 21 years) (checked all indexed chunks)",
     "_confidence": "low"
   },
   "min_child_entry_age": {
@@ -32,11 +34,23 @@
     "_confidence": "medium"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      200000,
+      300000,
+      500000,
+      1000000,
+      1500000,
+      2000000,
+      2500000,
+      5000000
+    ],
     "unit": "INR",
-    "source_pdf_path": "rag/corpus/royal-sundaram/family-plus__cis.pdf",
-    "source_quote": "not stated in royal-sundaram__family-plus__cis.pdf",
-    "_confidence": "low"
+    "source_pdf_path": "rag/corpus/royal-sundaram/family-plus__wordings.pdf",
+    "source_quote": "PRODUCT BENEFIT TABLE Family Plus Family Plus(1)(2) Family Plus Sum Insured (Rs.) Individual Base Sum Insured: 2Lacs, 3Lacs, 5Lacs,10Lacs & 15Lacs per Insured Person Floater Sum Insured – (available on a floating basis over individual cover): 3Lacs, 4Lacs, 5Lacs, 10Lacs, 15Lacs, 20Lacs, 25 Lacs & 50lacs",
+    "source_doc_type": "wordings",
+    "source_page": "54-56",
+    "_note": "Union of Individual Base Sum Insured options (2,3,5,10,15 Lacs) and Floater Sum Insured options (3,4,5,10,15,20,25,50 Lacs)",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/royal-sundaram__lifeline__brochure.json

@@ -32,11 +32,28 @@
     "_confidence": "high"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      200000,
+      300000,
+      400000,
+      500000,
+      750000,
+      1000000,
+      1500000,
+      2000000,
+      2500000,
+      3000000,
+      5000000,
+      10000000,
+      15000000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/royal-sundaram/lifeline__brochure.pdf",
-    "source_quote": "not stated in royal-sundaram__lifeline__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "LIFELINE PRODUCT BENEFITS LIFELINE LIFELINE LIFELINE HEALTH INSURANCE PLAN > ELITE HEALTH INSURANCE PLAN > SUPREME HEALTH INSURANCE PLAN > CLASSIC 5 lakhs | 7.5 lakhs | 10 lakhs | 15 lakhs | 20 lakhs | 25 lakhs SUM INSURED (SI) RUPEES 25 lakhs | 30 lakhs | 50 lakhs | 100 lakhs | 150 lakhs 2 lakhs | 3 lakhs | 4 lakhs 50 lakhs | 100 lakhs",
+    "source_doc_type": "brochure",
+    "source_page": "1-2",
+    "_note": "Union of all distinct Sum Insured options stated across the three Lifeline variants (Elite / Supreme / Classic) in the brochure product-benefits SI row",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/royal-sundaram__presecure-advantage__wordings.json

@@ -32,11 +32,28 @@
     "_confidence": "high"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      100000,
+      200000,
+      300000,
+      400000,
+      500000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/royal-sundaram/presecure-advantage__wordings.pdf",
-    "source_quote": "not stated in royal-sundaram__presecure-advantage__wordings.pdf",
-    "_confidence": "low"
+    "source_quote": "Annexure 3 – Product Benefit Table Sr Feature Benefit No 1 Sum Insured 1 Lakh/ 2 Lakhs/ 3 Lakhs/ 4 Lakhs/ 5 lakhs",
+    "source_doc_type": "wordings",
+    "source_page": "30-34",
+    "_confidence": "high"
+  },
+  "no_claim_bonus_pct": {
+    "value": 10,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/royal-sundaram/presecure-advantage__wordings.pdf",
+    "source_quote": "Renewal benefit in case of no claim In case there are no claims paid/outstanding in the expiring Policy Year, the Insured Person shall have either of the following option to avail in the form of No Claim Bonus (NCB) or No Claim Discount (NCD) reward at the time of every renewal: i) No Claim Bonus Increase in Sum Insured by 10% of Base Sum Insured in the year subsequent to the policy year, if the Policy is renewed with Us.",
+    "source_doc_type": "wordings",
+    "source_page": "10-11",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/royal-sundaram__surrosafe__wordings.json

@@ -21,7 +21,7 @@
     "value": null,
     "unit": "years",
     "source_pdf_path": "rag/corpus/royal-sundaram/surrosafe__wordings.pdf",
-    "source_quote": "not stated in royal-sundaram__surrosafe__wordings.pdf",
+    "source_quote": "no conventional maximum entry age stated; this is a statutory surrogacy cover whose eligibility is governed by The Surrogacy Act 2021 age bands ('Intending woman means an Indian woman who is a widow or divorcee between the age of 35 to 45 years') rather than a policyholder entry-age cap (checked all indexed chunks)",
     "_confidence": "low"
   },
   "min_child_entry_age": {
@@ -32,11 +32,16 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      500000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/royal-sundaram/surrosafe__wordings.pdf",
-    "source_quote": "not stated in royal-sundaram__surrosafe__wordings.pdf",
-    "_confidence": "low"
+    "source_quote": "Total Premium for all insured members (Surrogate Cover ) is Rs. 53,622 when each member is covered separately. Not Applicable. Not Applicable. Sum Insured available for each individual is Rs. 5,00,000.",
+    "source_doc_type": "wordings",
+    "source_page": "27",
+    "_note": "No enumerated Sum Insured options grid exists in the policy wording; Rs.5,00,000 is the single Sum Insured shown in the policy's own premium illustration (Surrogate Cover). Statutory surrogacy cover.",
+    "_confidence": "medium"
   },
   "grace_period": {
     "value": 30,
@@ -111,7 +116,14 @@
     "value": null,
     "unit": "percent",
     "source_pdf_path": "rag/corpus/royal-sundaram/surrosafe__wordings.pdf",
-    "source_quote": "not stated in royal-sundaram__surrosafe__wordings.pdf",
+    "source_quote": "no mandatory co-payment percentage stated; co-payment referenced only as conditional ('subject always to the Sum Insured, any sub limit specified in the Product Benefits Table, the terms, conditions, limitations and exclusions, Co-pay (if any) mentioned in the Policy') with no fixed percentage in any indexed chunk (checked all indexed chunks)",
+    "_confidence": "low"
+  },
+  "no_claim_bonus_pct": {
+    "value": null,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/royal-sundaram/surrosafe__wordings.pdf",
+    "source_quote": "no No-Claim-Bonus / Cumulative-Bonus percentage stated in policy wording; 'No Claim Bonus' appears only in the generic Base Sum Insured definition ('exclusive of No Claim Bonus, if any') with no benefit percentage (checked all indexed chunks)",
     "_confidence": "low"
   },
   "room_rent_capped_at_pct_of_si": {

40-data/policy_facts/sbi-general__arogya-supreme__brochure.json

@@ -32,11 +32,20 @@
     "_confidence": "high"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      300000,
+      500000,
+      600000,
+      2000000,
+      10000000
+    ],
     "unit": "INR",
     "source_pdf_path": "rag/corpus/sbi-general/arogya-supreme__brochure.pdf",
-    "source_quote": "not stated in sbi-general__arogya-supreme__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "Sum Insured Range `3 Lakhs to `5 Lakhs `6 Lakhs to `20 Lakhs Maximum Sum insured of ` 1 Crore",
+    "source_doc_type": "brochure",
+    "source_page": "6-8",
+    "_note": "Policy offers Sum Insured as a continuous range, not discrete tiers; the listed values are the verbatim-stated range band endpoints (3L, 5L, 6L, 20L) and the explicitly stated maximum Sum Insured (1 Crore)",
+    "_confidence": "medium"
   },
   "grace_period": {
     "value": 30,

40-data/policy_facts/sbi-general__arogya-top-up__wordings.json

@@ -35,7 +35,7 @@
     "value": null,
     "unit": "INR",
     "source_pdf_path": "rag/corpus/sbi-general/arogya-top-up__wordings.pdf",
-    "source_quote": "not stated in sbi-general__arogya-top-up__wordings.pdf",
+    "source_quote": "no enumerated Sum Insured options stated; this is a top-up plan where the Sum Insured is set in the Policy Schedule ('Sum insured 68) means the amount specified in the schedule to this Policy') with no options grid in any indexed chunk (checked all indexed chunks)",
     "_confidence": "low"
   },
   "grace_period": {
@@ -111,7 +111,7 @@
     "value": null,
     "unit": "percent",
     "source_pdf_path": "rag/corpus/sbi-general/arogya-top-up__wordings.pdf",
-    "source_quote": "not stated in sbi-general__arogya-top-up__wordings.pdf",
+    "source_quote": "no fixed co-payment percentage stated; co-payment appears only in the standard definition ('co-payment does not reduce the Sum Insured') with no mandatory percentage in any indexed chunk (checked all indexed chunks)",
     "_confidence": "low"
   },
   "room_rent_capped_at_pct_of_si": {
@@ -121,6 +121,20 @@
     "source_quote": "not stated in sbi-general__arogya-top-up__wordings.pdf",
     "_confidence": "low"
   },
+  "room_rent_capping": {
+    "value": null,
+    "unit": "text",
+    "source_pdf_path": "rag/corpus/sbi-general/arogya-top-up__wordings.pdf",
+    "source_quote": "no room-rent cap or room-category clause stated; 'Room Rent' appears only as a standard definition ('Room Rent 46) means the amount charged by a Hospital towards Room and Boarding expenses') with no sub-limit/cap in any indexed chunk (checked all indexed chunks)",
+    "_confidence": "low"
+  },
+  "no_claim_bonus_pct": {
+    "value": null,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/sbi-general/arogya-top-up__wordings.pdf",
+    "source_quote": "no No-Claim-Bonus / Cumulative-Bonus percentage stated; 'Cumulative Bonus' appears only in the standard definition ('means any increase or addition in Sum Insured granted by the Insurer without an associated increase in premium') with no benefit percentage in any indexed chunk (checked all indexed chunks)",
+    "_confidence": "low"
+  },
   "policy_term_options_years": {
     "value": [
       1

40-data/policy_facts/sbi-general__health-alpha__cis.json

@@ -35,7 +35,7 @@
     "value": null,
     "unit": "INR",
     "source_pdf_path": "rag/corpus/sbi-general/health-alpha__cis.pdf",
-    "source_quote": "not stated in sbi-general__health-alpha__cis.pdf",
+    "source_quote": "no enumerated Sum Insured options list stated; the CIS states 'This is the base Sum Insured for Policy. Please refer the Policy Schedule' and the wording only references SI thresholds for specific benefits (e.g. 'available only with Sum Insured Rs. 10 Lakhs and above'), not an options grid (checked all indexed chunks across CIS and wordings siblings)",
     "_confidence": "low"
   },
   "grace_period": {
@@ -121,6 +121,16 @@
     "source_quote": "not stated in sbi-general__health-alpha__cis.pdf",
     "_confidence": "low"
   },
+  "room_rent_capping": {
+    "value": "Room category up to Single Private A/C Room or Twin Sharing Room (optional Reduction in Room Rent benefit); no percentage-of-SI cap stated",
+    "unit": "text",
+    "source_pdf_path": "rag/corpus/sbi-general/health-alpha__wordings.pdf",
+    "source_quote": "the Policyholder shall be allowed to opt the Room Rent category Actuals to Single Private A.C Room or Twin Sharing Room for Hospitalization allowable under section 3 of this Policy",
+    "source_doc_type": "wordings",
+    "source_page": "19",
+    "_note": "Room rent is expressed as an eligible room category (Single Private A/C Room or Twin Sharing Room), not as a percentage-of-Sum-Insured cap; source text is interleaved in the wordings OCR but the clause is verbatim-recoverable",
+    "_confidence": "medium"
+  },
   "policy_term_options_years": {
     "value": null,
     "unit": "years",

40-data/policy_facts/sbi-general__health-edge__cis.json

@@ -32,11 +32,21 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      300000,
+      500000,
+      700000,
+      1000000,
+      1500000,
+      2000000,
+      2500000
+    ],
     "unit": "INR",
-    "source_pdf_path": "rag/corpus/sbi-general/health-edge__cis.pdf",
-    "source_quote": "not stated in sbi-general__health-edge__cis.pdf",
-    "_confidence": "low"
+    "source_pdf_path": "rag/corpus/sbi-general/health-edge__wordings.pdf",
+    "source_quote": "Entry Age (Child) 91 days to 30 years Sum Insured (SI) 3L, 5L,7L,10L, 15L,20L and 25Lacs Base Covers",
+    "source_doc_type": "wordings",
+    "source_page": "31-32",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": null,

40-data/policy_facts/sbi-general__super-health-insurance__cis.json

@@ -32,11 +32,28 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
+    "value": [
+      300000,
+      500000,
+      700000,
+      1000000,
+      1500000,
+      2000000,
+      2500000,
+      3000000,
+      4000000,
+      5000000,
+      7500000,
+      10000000,
+      20000000
+    ],
     "unit": "INR",
-    "source_pdf_path": "rag/corpus/sbi-general/super-health-insurance__cis.pdf",
-    "source_quote": "not stated in sbi-general__super-health-insurance__cis.pdf",
-    "_confidence": "low"
+    "source_pdf_path": "rag/corpus/sbi-general/super-health-insurance__wordings.pdf",
+    "source_quote": "ANNEXURE I - PRODUCT BENEFIT TABLE Benefits Prime Elite Premier Platinum Platinum Infinite Entry Age (Adult) Min - 18 years ... Sum Insured (SI) 3 Lacs, 5 Lacs, 7 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs / 30 Lacs, 40 Lacs, 50 Lacs / 50 Lacs, 75 Lacs, 1 Crore and 2 Crores",
+    "source_doc_type": "wordings",
+    "source_page": "29-30",
+    "_note": "Union of all distinct Sum Insured options stated across the five plan variants (Prime / Elite / Premier / Platinum / Platinum Infinite) in the Annexure I Product Benefit Table",
+    "_confidence": "high"
   },
   "grace_period": {
     "value": null,
@@ -121,6 +138,16 @@
     "source_quote": "not stated in sbi-general__super-health-insurance__cis.pdf",
     "_confidence": "low"
   },
+  "room_rent_capping": {
+    "value": "No room rent cap (Actuals up to Sum Insured)",
+    "unit": "text",
+    "source_pdf_path": "rag/corpus/sbi-general/super-health-insurance__wordings.pdf",
+    "source_quote": "ANNEXURE I - PRODUCT BENEFIT TABLE Benefits Prime Elite Premier Platinum Platinum Infinite ... Inpatient Room Rent Actuals up to Sum Insured Actuals up to Sum Insured Actuals up to Sum Insured Actuals up to Sum Insured Actuals up to Sum Insured",
+    "source_doc_type": "wordings",
+    "source_page": "29-30",
+    "_note": "Inpatient Room Rent is 'Actuals up to Sum Insured' across all five plan variants — i.e. there is no room-rent sub-limit/cap",
+    "_confidence": "high"
+  },
   "policy_term_options_years": {
     "value": null,
     "unit": "years",

40-data/policy_facts/sbi-general__super-top-up__cis.json

@@ -35,7 +35,7 @@
     "value": null,
     "unit": "INR",
     "source_pdf_path": "rag/corpus/sbi-general/super-top-up__cis.pdf",
-    "source_quote": "not stated in sbi-general__super-top-up__cis.pdf",
+    "source_quote": "no enumerated Sum Insured options stated; this is a super-top-up plan where the Sum Insured is set in the Policy Schedule (only illustrative example values such as 'Sum Insured (INR) 5 lakhs' / 'Deductible options INR 20 Lacs & above' appear, not an options grid) (checked all indexed chunks across CIS and wordings siblings)",
     "_confidence": "low"
   },
   "grace_period": {
@@ -111,7 +111,7 @@
     "value": null,
     "unit": "percent",
     "source_pdf_path": "rag/corpus/sbi-general/super-top-up__cis.pdf",
-    "source_quote": "not stated in sbi-general__super-top-up__cis.pdf",
+    "source_quote": "no co-payment percentage stated anywhere; an exhaustive search of all 80 indexed wordings chunks and the CIS found no co-payment percentage clause for this super-top-up plan (checked all indexed chunks)",
     "_confidence": "low"
   },
   "room_rent_capped_at_pct_of_si": {

40-data/policy_facts/star-health__health-premier__brochure.json

@@ -21,8 +21,11 @@
     "value": null,
     "unit": "years",
     "source_pdf_path": "rag/corpus/star-health/health-premier__brochure.pdf",
-    "source_quote": "not stated in star-health__health-premier__brochure.pdf",
-    "_confidence": "low"
+    "source_quote": "Eligibility ● For Adults: Min - 50 years for primary member & Max - Up to Any Age (Oldest member will be consider as primary member)",
+    "source_doc_type": "brochure",
+    "source_page": "1-2",
+    "_note": "There is explicitly NO maximum adult entry age — the policy states 'Max - Up to Any Age'; value left null because no finite numeric cap exists (not because the data is missing)",
+    "_confidence": "high"
   },
   "min_child_entry_age": {
     "value": 91,

40-data/policy_facts/star-health__senior-citizens-red-carpet__brochure.json

@@ -125,6 +125,13 @@
     "source_quote": "Co-Payment: This policy is subject to co-payment of 30% for all claims.",
     "_confidence": "high"
   },
+  "no_claim_bonus_pct": {
+    "value": null,
+    "unit": "%",
+    "source_pdf_path": "rag/corpus/star-health/senior-citizens-red-carpet__brochure.pdf",
+    "source_quote": "no No-Claim-Bonus / Cumulative-Bonus benefit percentage stated; 'No Claim Bonus' appears only inside the generic portability/migration continuity-of-credits clause ('the credits (Sum Insured, No Claim Bonus, Specific Waiting Periods, Waiting period for Pre-Existing Diseases, Moratorium period etc.)'), with no NCB benefit percentage for this senior-citizen plan in any indexed chunk (checked all 15 indexed brochure chunks)",
+    "_confidence": "low"
+  },
   "room_rent_capped_at_pct_of_si": {
     "value": null,
     "unit": "%",

40-data/policy_facts/star-health__star-assure__wordings.json

@@ -21,7 +21,7 @@
     "value": null,
     "unit": "years",
     "source_pdf_path": "rag/corpus/star-health/star-assure__wordings.pdf",
-    "source_quote": "not stated in star-health__star-assure__wordings.pdf",
+    "source_quote": "no adult maximum-entry-age clause present in the policy wording; the wording references entry-age only for the co-payment trigger ('Co-payment ... Applicable only for Insured Persons aged 61 years and above at the time of entry') and the New Born continuity ('without any underwriting and the entry age criteria'); the eligibility/age table is not contained in the wordings document (checked all 46 indexed wordings chunks)",
     "_confidence": "low"
   },
   "min_child_entry_age": {

40-data/policy_facts/star-health__star-cancer-care-platinum__wordings.json

@@ -99,10 +99,17 @@
     "_confidence": "low"
   },
   "sum_insured_options": {
-    "value": null,
-    "source_pdf_path": "rag/corpus/star-health/star-cancer-care-platinum__wordings.pdf",
-    "source_quote": "not stated in star-health__star-cancer-care-platinum__wordings.pdf",
-    "_confidence": "low"
+    "value": [
+      500000,
+      750000,
+      1000000
+    ],
+    "unit": "INR",
+    "source_pdf_path": "rag/corpus/star-health/star-cancer-care-platinum__wordings.pdf",
+    "source_quote": "Sum Insured (Rs.) 5,00,000/- 7,50,000/- 10,00,000/-",
+    "source_doc_type": "wordings",
+    "source_page": "3-4",
+    "_confidence": "high"
   },
   "claim_settlement_ratio": {
     "value": null,