Untrack extraneous files to comply with minimalist deployment

NITDAA_ARCHITECTURE_DESIGN.md

@@ -1,41 +0,0 @@
-# Nitdaa Sibling Project - Architecture Design
-**Version 1.0 Public Release**
-
-## 1. System Overview
-Nitdaa is the mobile-friendly MVP sibling to the full HealthExpert enterprise platform. It removes administrative overhead, heavy RBAC UI components, and complex multi-pane layouts in favor of a lean, mobile-first edge interface.
-
-## 2. Core Differences from Base HealthExpert
-- **UI/UX**: Transitioned from a 3-pane desktop layout to a single-pane vertical mobile layout, featuring dynamic inline controls (e.g. the bottom input panel temporarily transforms into an inline 5-star & thumbs feedback interface after response generation, presenting all rating controls on the same line). Features a dynamic Startup Splash Screen displaying an overview of the NITDAA Base Health Insurance Program, and bottom-right inline copy buttons for generated responses.
-- **Admin Constraints**: Admin controls (Kill Switch, DB Purge) are entirely hidden in the HTML to prevent public tampering.
-- **Session Audit**: Uses `nitdaa_sessions.json` and `nitdaa_summary.json` for granular system telemetry rather than database-backed logs. Captures granular feedback (1-5 stars, thumbs, and text) instantly upon user action, and displays a thank you message acknowledging the submission.
-- **Resumable Event Streaming**: The architecture uses an asynchronous Job ID system (`/api/query/start` and `/api/query/stream`) to survive mobile background disconnections.
-- **Concurrent RAG Isolation**: Vector and Graph retrieval pipelines operate inside a Thread Pool with thread-local database connections. Heavy PyTorch inference layers (CrossEncoder and SentenceTransformer) are strictly serialized via threading locks to prevent `OutOfMemory` crashes on resource-constrained infrastructure, while keeping I/O concurrency high.
-
-## 3. Data Flow
-1. **Startup & Sync**: Flask initializes. `sync_he_data()` runs asynchronously to pull the latest dataset from `Sam-max1/he-data`. If differences are found, it gracefully purges vector/graph databases and rebuilds. Concurrently, it performs a 2-way remote synchronization of logs with `Sam-max1/mat_data`.
-2. **Security & Connection**: Client connections face an immediate Math CAPTCHA. All API calls pass through `Flask-Limiter` and Strict HTTP Content Security Policies.
-3. **Ingestion**: If new files are detected, `process_document_pipeline` splits them into 512-token chunks, vectorizes them into ChromaDB, and extracts graph entities locally using `spaCy`.
-4. **Retrieval (Concurrent)**: When a query hits `/api/query/start`, an asynchronous thread pool handles Tri-modal Hybrid Retrieval (Vector + BM25 + Graph) allowing multiple users to fetch context simultaneously.
-5. **Synthesis & Feedback**: A Cross-Encoder reranks the chunks, and the context is fed into the local LLM generation queue. The system supports a **Dual LLM Mode** via a frontend slider pill. The backend delegates generation to either an **Expert** model (`google/diffusiongemma-26b-a4b-it` with reasoning) or an **Assistant** model (`minimaxai/minimax-m3`). The frontend streams events using Server-Sent Events with offset recovery. Upon completion, users optionally submit ratings securely stored in `nitdaa_summary.json`.
-
-## 4. Resource Allocation
-Nitdaa is tuned for the HuggingFace Spaces free tier:
-- **vCPU constraints**: Threads are explicitly clamped to prevent CPU thrashing.
-- **Vector Limit**: A hard limit of 10,000 chunks is enforced globally to prevent `OutOfMemory` crashes.
-- **Session Quotas**: Max 5 file uploads per session to prevent abuse.
-
-## 5. Project Intelligence & Deployment
-- **HuggingFace Space**: [Sam-max1/nitdaa](https://huggingface.co/spaces/Sam-max1/nitdaa)
-- **HuggingFace ID**: `sam-max1`
-- **Authentication**: `HF_TOKEN` is provided via the system keyring for secure access to HuggingFace resources and pushing updates.
-`HF_TOKEN` is provided via the system variable to HuggingFace resources after container startup.
-- **NVIDIA API Access**: `NVIDIA_API_KEY` is provided via the system variable for secure access to NVIDIA GPU LLM endpoint after container startup.
-- **Deployment Protocol**: Code base updates are pushed directly to the HuggingFace Space repository. Note: Core functionality should not be altered, deleted, or impaired unless explicitly requested.
-- **Minimalist Deployment**: Extraneous resources, local databases, or unneeded assets must be excluded from tracking to ensure only the bare minimum is pushed to HuggingFace.
-
-## 6. Documentation Updates
-- **Architecture Guide**: NITDAA_ARCHITECTURE_DESIGN.md
-- **User Guide**: NITDAA_HEALTHEXPERT_USER_GUIDE.md
-- **User Guide (PDF Version)**: NITDAA_HEALTHEXPERT_USER_GUIDE.pdf
-- **Update Protocol**: All three above files are to be updated as and when any features and designs for the application
- are added, deleted or changed. Thease files should always have the latest and accurate status of the codebase. 

NITDAA_HEALTHEXPERT_USER_GUIDE.md

@@ -1,39 +0,0 @@
-# Nitdaa HealthExpert Mobile MVP - User Guide
-**Version 1.0 Public Release**
-
-## Overview
-Nitdaa HealthExpert is a mobile-optimized, single-pane web interface designed to provide users with direct access to the HealthExpert AI knowledge base. Deployed on HuggingFace Spaces, Nitdaa brings the power of Agentic AI, Hybrid RAG, and Edge Compute into a sandboxed, responsive environment.
-
-## 1. Accessing the Application
-- Navigate to the official public application link: [https://sam-max1-nitdaa.hf.space/](https://sam-max1-nitdaa.hf.space/)
-- **Security Check (CAPTCHA)**: Upon your first visit, a security modal will challenge you with a simple math problem (e.g. `5 + 3 = ?`). You must correctly solve this problem to unlock the application dashboard.
-- The application will then load automatically. Note that the first boot may take 3-5 minutes as the system pulls the latest knowledge datasets securely from the cloud.
-- Once the **Status Pill** in the top-right corner turns **Green** (Ready), the system is online.
-- **Initial Welcome Message**: A dynamic startup splash screen will immediately present an overview of the NITDAA Base Health Insurance Program, providing essential program details directly within the chat interface.
-
-## 2. Using the Dashboard
-The dashboard is designed for mobile efficiency.
-- **Top Header**: Displays the application branding ("Healthcare Policy Expert"), a **Dual LLM Toggle Slider**, and current status.
-  - The slider toggle allows you to switch the backend intelligence between **Expert** mode (a deep reasoning LLM `google/diffusiongemma`) and **Assistant** mode (a rapid multi-modal LLM `minimaxai`).
-- **Scrollable Output Window**: The large central area displays the conversation history. It automatically scrolls down as new answers are generated.
-- **Input Area**: Located at the bottom of the screen.
-
-## 3. Asking Questions
-You can query the system in two ways:
-1. **Quick Questions Dropdown**: Tap the dropdown menu above the text input to select a preset question. Selecting a question will automatically submit it to the AI.
-2. **Manual Input**: Type your query directly into the text box and press the **Send** button.
-
-## 4. Understanding Output
-When a question is submitted:
-- Your question will instantly appear in the output window.
-- The system will display a **"Generating answer.. (1.2s)"** timer.
-- Once context is retrieved from the Vector and Graph databases, the LLM will stream the Markdown-formatted answer back to the screen.
-- Analysis may take upto 300 seconds due to slow shared resources. Please keep patience.
-- **Copy Response**: At the bottom right corner of each generated response, a small clipboard icon allows you to instantly copy the question, answer, and analysis metrics directly to your clipboard.
-- **Providing Feedback**: Once an answer completes, the bottom input area will temporarily switch to a Feedback panel. You will see Thumbs Up (👍) / Thumbs Down (👎) buttons alongside a 5-star rating widget (where colors transition from red to green) on the exact same line for a streamlined layout. Selecting an icon captures your feedback immediately. You may optionally enter text feedback and click **Submit**, after which a thank you message confirms your feedback has been logged, or click **Cancel** to revert the panel back to the standard question box.
-- Responses remain preserved in the scrollable window for the duration of your session.
-
-## 5. Security & Session Handling
-- **Multi-tenant Isolation**: Your conversation is strictly isolated from other users using an invisible `X-Session-Token`. Multiple users can query the system concurrently without interference.
-- **Resumable Mobile Sessions**: If your mobile device goes to sleep or you navigate to another app, the system safely buffers your answer. When you return, the streaming will seamlessly resume without missing a word.
-- **Session Expiration**: If the page is reloaded, or if you are inactive for an extended period, your session token resets, and previous context is cleared to ensure privacy.

app/kbdocs/Base insurance Program brochure.pdf

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app/kbdocs/Base insurance escalation_matrix.pdf

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app/kbdocs/Base insurance specific_disease.pdf

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app/kbdocs/NITDAA_Base_STUP_Insurance_Policy_2026.pdf

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app/kbdocs/NITDAA_Medical_Insurance_FAQ.txt

@@ -1,772 +0,0 @@
-NITDAA SUPER TOP-UP (STUP) AND BASE HEALTH INSURANCE
-FREQUENTLY ASKED QUESTIONS
-
-Compiled from the NITDAA Policyholder WhatsApp Group
-Source: Responses by Debasis Basu and Anand Gaggar
-
-Note: This document reflects Q&A exchanges from September 2024 through April 2026.
-Where policy terms changed between Year 1 (2024-25) and Year 2 (2025-26), both are noted.
-
-================================================================================
-SECTION 1: POLICY OVERVIEW AND ELIGIBILITY
-================================================================================
-
-Q1. What are the two NITDAA medical insurance policies?
-
-A. There are two separate and independent policies:
-
-   (1) NITDAA Super Top-Up (STUP) Policy — insured by Care Health Insurance
-   (2) NITDAA Base Health Insurance Policy — insured by The Oriental Insurance
-       Company Ltd (a public sector company)
-
-   The two policies are with different insurers and their coverage and hospital
-   networks may differ. There is no automatic seamless migration of a claim from
-   the Base policy to the STUP. [Debasis Basu, June 2025]
-
-
-Q2. Who is eligible to buy these policies?
-
-A. NITDAA Life Members — Alumni, Faculty, and Staff of NIT Durgapur. Life
-   membership of NITDAA is mandatory before purchasing any policy. Non-life
-   members who purchased the STUP in Year 1 were required to obtain Life
-   Membership before the Year 2 renewal. [Debasis Basu, May-June 2025]
-
-
-Q3. What is the entry age limit?
-
-A. Up to 85 years for both policies. [Debasis Basu, September 2024]
-
-
-Q4. Who can be covered under the policy as family members?
-
-A. Self, spouse, dependent children, parents, and parents-in-law.
-   [Debasis Basu, September 2024]
-
-
-Q5. Can children above 24 years be included?
-
-A. Under the Base Policy: No. Maximum age for children is 24 years.
-
-   Under the STUP:
-   — Year 1 (2024-25): Maximum age was 24 years.
-   — Year 2 (2025-26): The age limit for children was increased to 30 years.
-     Children can be added free of additional premium up to age 30.
-
-   Children above 30 are not included in the scheme. Adult children above the
-   specified age are considered independent individuals. Including them was
-   discussed and not pursued because it would have made the group heterogeneous
-   with different professions, affecting premium calculation.
-   [Debasis Basu, January 2025 and June-July 2025]
-
-
-Q6. Can a separately abled / differently abled child above the age limit be included?
-
-A. Age limit is the primary eligibility criterion. If the child is within the age
-   limit, there is no special acceptance or rejection criteria unless the condition
-   falls in the STUP negative list. For the Base Policy, which has no negative
-   list, the proposal goes to the Medical Board. If accepted, coverage proceeds;
-   if not, nothing further can be done. [Debasis Basu, May 2025]
-
-
-Q7. Are parents and parents-in-law covered under the same policy or separate?
-
-A. Parents (and parents-in-law) are covered under a separate, additional policy
-   under the same programme. They are not part of the family floater for the
-   primary member. [Debasis Basu, September 2024]
-
-
-Q8. If an alumnus passes away, can the family continue the policy?
-
-A. Yes. For the current policy year, the family remains covered until renewal.
-   For subsequent years, NITDAA has agreed to allow the family to continue
-   the policy. [Debasis Basu / FAQ Q.47 reference, July 2025]
-
-
-Q9. Is this a voluntary policy or a compulsory one?
-
-A. It is a voluntary group policy, not a compulsory one. It is a B2B2C policy
-   — NITDAA as the group administrator, Zopper/Solvytech as the technology and
-   placement partner, and the insurer. [Debasis Basu, January 2025]
-
-
-================================================================================
-SECTION 2: SUPER TOP-UP (STUP) POLICY — FEATURES
-================================================================================
-
-Q10. What are the key features of the STUP policy?
-
-A. — Entry age: Up to 85 years
-   — Sum Insured options: Up to 1 Crore
-   — Deductible options: 3, 5, 7, 10 lakhs (and higher options introduced in
-     Year 2: 15, 20, 25 lakhs)
-   — No medical checkup required at entry
-   — Room: Any kind of room except suite (no per-day limit)
-   — No sublimits on treatment
-   — No co-payment
-   — Pre-Existing Disease (PED) waiting period: 1 year only (vs 3-4 years in
-     retail/individual policies)
-   — People with chronic ailments such as heart disorders, blood disorders,
-     insulin-dependent diabetes, and recovered cancer can also enrol, subject to
-     the negative list
-   — Modern Treatment: Covered up to 50% of Sum Insured
-   — GPA (Group Personal Accident) rider: Optional, introduced in Year 2,
-     available only for alumni and spouse, age limit 65 years maximum
-   — Consumables coverage: Optional in Year 2, at 5% additional premium
-   [Debasis Basu, September 2024 and July 2025]
-
-
-Q11. What is the negative list under the STUP?
-
-A. The negative list contains specific diseases that disqualify a person from
-   buying the STUP policy. Approximately 5-6 conditions are named in Year 2
-   (the Year 2 list is smaller than Year 1). A person having a disease from the
-   negative list at the time of buying cannot be covered; their premium will be
-   refunded.
-
-   If any of the specifically named diseases are contracted AFTER buying the
-   policy (i.e., they were not pre-existing), they will still have a one-year
-   waiting period.
-
-   Only the specific individual with a disqualifying condition is denied coverage;
-   other family members can still be covered. [Debasis Basu, July 2025]
-
-
-Q12. Is there any loading or additional premium for having a pre-existing disease?
-
-A. No. Pre-existing diseases do not attract additional premium and do not impose
-   any restriction or limitation on coverage. They are simply subject to the one-
-   year waiting period. [Debasis Basu, July 2025]
-
-
-Q13. Is there any increase (loading) in premium if a claim is made?
-
-A. No. Being a group policy, there is no loading on premium for individual claims
-   even if they go to 500% or beyond for any individual. This is unlike individual
-   retail policies. [Debasis Basu, September 2024]
-
-
-Q14. Can the Sum Insured be increased in subsequent renewals?
-
-A. Year 1 policy: The Sum Insured could not be increased in subsequent renewals;
-   it could only be reduced. However, this condition was revised:
-
-   Year 2 one-time option: Alumni were given a one-time option to reduce the
-   deductible and increase the Sum Insured at the Year 2 renewal. The PED
-   exclusion of one more year applies to the difference between the old and new
-   Sum Insured and the difference between old and new deductible.
-
-   This change in SI and deductible is not possible if a disease from the
-   negative list has been contracted during the year, or if a claim was made.
-
-   After this one-time option, it is unlikely the increase in SI will be available
-   in further renewals. Reduction in SI and increase in deductible are always
-   possible. [Debasis Basu, July 2025]
-
-
-Q15. What is the deductible and how does it work?
-
-A. The deductible is the amount the policyholder must pay (or has already paid
-   through a base policy or out-of-pocket) before the STUP policy is triggered.
-   Once the cumulative hospital bill for the entire family during the year exceeds
-   the chosen deductible, the STUP pays the excess.
-
-   The deductible applies on an aggregate family basis for the policy year, not
-   per incident. Whether paid by the policyholder themselves or recovered from
-   any other base policy, the STUP pays the excess over the deductible.
-   [Debasis Basu, March 2025]
-
-
-Q16. Is this policy connected to or dependent on another base policy?
-
-A. No. The Super Top-Up policy has no requirement for a base policy. It is
-   different from a normal top-up policy that requires topping up on another
-   specific policy. [Debasis Basu, September 2024]
-
-
-================================================================================
-SECTION 3: BASE HEALTH INSURANCE POLICY — FEATURES
-================================================================================
-
-Q17. What are the key features of the NITDAA Base Health Insurance Policy?
-
-A. — Insurer: The Oriental Insurance Company Ltd (public sector)
-   — Entry age: Up to 85 years
-   — Sum Insured options: 3 lakhs or 5 lakhs
-   — Covers self, spouse, children (up to 24 years), parents, and parents-in-law
-   — No medical checkup required
-   — Room: Single private AC room
-   — Modern Treatment: Covered up to 100% of Sum Insured
-   — No sublimits on treatment
-   — No co-payment
-   — 1 year waiting period on Pre-Existing Diseases (PED)
-   — No negative list
-   — No requirement to declare PEDs at enrollment
-   — Dental treatment (e.g., root canal) is NOT covered
-   — OPD (Out-Patient Department) treatments are NOT covered
-   — Day care treatments: Covered
-   [Debasis Basu, May-June 2025]
-
-
-Q18. Why is the Base Policy Sum Insured limited to 3 or 5 lakhs?
-
-A. The Base Policy was brought as a surprise offer from Oriental Insurance at
-   a very good premium. It was intentionally kept at a small level because:
-   (1) The objective of the NITDAA programme is the STUP for protection against
-   something really going wrong (major illness/accident), not for routine medical
-   cost management. (2) Base policies are vulnerable to attritional claims, which
-   can make premium consistency challenging. [Debasis Basu, June 2025]
-
-
-Q19. Under the Base Policy, can the Sum Insured be different for the alumni's
-family versus parents/in-laws?
-
-A. For parents and parents-in-law: Yes, a different Sum Insured is possible.
-   For the alumni, spouse, and children: The Sum Insured will be the same.
-   [Goutam Majumder, June 2025]
-
-
-Q20. Can the Base Policy Sum Insured be increased from 3 to 5 lakhs in the
-next year's renewal?
-
-A. This has not been confirmed. If allowed, the PED waiting period will apply
-   again for the additional 2 lakhs (i.e., the difference of 5-3 = 2 lakhs will
-   have a further one-year PED exclusion). [Debasis Basu, June 2025]
-
-
-Q21. Is there a premium difference between 1 adult, 2 adults, and 2 adults +
-children?
-
-A. The premium for 1 adult (1A), 2 adults (2A), and 2 adults + children
-   (2A+2C) is the same. Group policy pricing is done on the basis of average
-   exposure, not on individual risk assessment. Children's exposure is almost
-   negligible, so it is offered as a marketing incentive without separate premium.
-   [Debasis Basu, May 2025]
-
-
-================================================================================
-SECTION 4: PRE-EXISTING DISEASES (PED) — DECLARATION AND COVERAGE
-================================================================================
-
-Q22. What pre-existing diseases must be declared in the STUP?
-
-A. Year 1 Policy: All PEDs without exception must be declared — including
-   controlled conditions like blood pressure, diabetes, thyroid, etc. There is
-   no published list of PEDs. Every condition for which the person is taking
-   medication or has received treatment must be declared. Past surgeries and
-   procedures (e.g., hernia operation, leg fracture with plate insertion) must
-   also be declared. Non-declaration can potentially be used to void a policy.
-   [Debasis Basu, July 2025]
-
-   Year 2 Update (Revised CIS, August 2025): The PED declaration requirement
-   was removed. At policy purchase/renewal, the alumni only need to answer
-   specific mandatory questions related to the negative list (i.e., confirm
-   whether they have any of the approximately 5-6 disqualifying conditions).
-   All other PEDs will simply have a one-year waiting period without
-   any declaration requirement.
-
-   This change was a significant improvement secured through negotiation with
-   Care Health Insurance. Anand Gaggar's detailed personal PED disclosure
-   (going back 35 years) was presented as a case study to make the argument.
-   [Debasis Basu, July 2025]
-
-
-Q23. Anand Gaggar shared his personal PED list for guidance. What was it?
-
-A. When Anand Gaggar (REC Durgapur, 1965-70) enquired with Zopper about
-   whether past surgeries also needed declaration, he was advised to declare all
-   PEDs in detail, even if applying afresh. His own list included:
-
-   — Past TURP surgery for BPH (Benign Prostatic Hyperplasia)
-   — Cholesterol
-   — Cataract surgery (one eye)
-   — Hypertension
-   — Type 2 Diabetes
-   — Hypothyroidism
-   — Dyslipidemia
-   — Acid Reflux
-   — Vertigo
-   — Cervical Spondylitis
-   — BPH (Benign Prostatic Hyperplasia)
-
-   He shared this example publicly to caution other members about the
-   importance of thorough PED disclosure. Debasis Basu confirmed the advice
-   and pursued the matter with Care Healthcare, ultimately achieving the
-   removal of the PED declaration requirement. [Anand Gaggar and Debasis Basu,
-   July 2025]
-
-
-Q24. How should a PED that is medically controlled (e.g., cholesterol medication
-taken as a precaution with no elevated levels) be declared?
-
-A. Always write "medically controlled [condition name]." For past ailments,
-   write the name of the condition and the approximate period. Example: "Hernia
-   operation in March 2018." If in doubt about whether to declare something, the
-   answer is yes — declare it. Non-declaration has no benefit since there is no
-   loading on premium and no restriction imposed. [Debasis Basu, July 2025]
-
-
-Q25. Do PEDs of family members also need to be declared?
-
-A. Yes. All family members' PEDs should be declared. The insurer will ask if
-   they have questions. [Debasis Basu, July 2025]
-
-
-Q26. Are PEDs covered after the one-year waiting period?
-
-A. Yes. After the one-year waiting period, all pre-existing diseases are
-   covered without restriction, limitation, or additional premium.
-   [Debasis Basu, multiple dates]
-
-
-Q27. For the Base Policy, do I need to declare PEDs?
-
-A. No. The Base Policy does not require any PED declaration. All PEDs are
-   covered after one year of waiting from the policy start date. All other
-   conditions (not PEDs) are covered after 30 days.
-   [Debasis Basu, July 2025]
-
-
-================================================================================
-SECTION 5: HOSPITAL NETWORK AND CASHLESS FACILITY
-================================================================================
-
-Q28. How do I find network hospitals for cashless treatment?
-
-A. Use the Care Insurance hospital network search link:
-   https://www.careinsurance.com/health-plan-network-hospitals.html
-
-   When searching, type the location and select "general" for category instead
-   of a speciality. This list is auto-updated by Care Insurance from time to
-   time. Members should stay updated as hospitals can be de-listed.
-   [Debasis Basu, September 2024]
-
-
-Q29. Are there cashless facilities at non-network hospitals?
-
-A. There is an "Anywhere Cashless" provision for emergencies, but it requires
-   informing the insurer within 48 hours of admission. In practice, the process
-   is not straightforward. Best practice is to always use network hospitals for
-   cashless treatment. [Goutam Majumder, January 2025]
-
-
-Q30. What happens if treatment is taken at a non-network hospital?
-
-A. The reimbursement process must be followed. Reimbursement from non-network
-   hospitals is generally not paid in full because non-network hospitals charge
-   more than the pre-agreed rates between the insurer and network hospitals. The
-   insurer settles reimbursement at their "rack rate" (the rate they have agreed
-   with network hospitals), not the actual bill charged. [Debasis Basu, February
-   2025 and March 2025]
-
-
-Q31. A member experienced that their network hospital refused to raise dual
-cashless claims (one for base policy with Star Health and one for STUP with Care).
-What is the resolution?
-
-A. This was identified as a teething issue in Year 1. The member (Anirban) had
-   to discharge the patient and use the reimbursement route. Debasis Basu
-   acknowledged this as a known concern and committed to taking it up with the
-   insurers for a seamless cashless process in network hospitals.
-   [Debasis Basu, February 2025]
-
-
-Q32. Should I inform Care Insurance before hospitalisation?
-
-A. Any hospitalisation where the bill is likely to exceed the deductible should
-   be informed to the insurer in advance.
-
-   During a second hospitalisation in the same year where the cumulative bill
-   will cross the deductible: Submit the first hospitalisation bill and payment
-   receipt to the hospital's insurance desk and ask them to communicate with Care
-   for cashless processing of the STUP.
-   [Debasis Basu, January 2025]
-
-
-================================================================================
-SECTION 6: POLICY DOCUMENT AND CASHLESS CARD
-================================================================================
-
-Q33. How do I receive my policy and cashless card?
-
-A. All policy documents are digital. The policy certificate and the cashless
-   card are sent to the registered email address. There is no physical policy
-   document or physical card; nothing comes by post. [Debasis Basu,
-   November 2024]
-
-
-Q34. Where is the cashless card?
-
-A. The cashless card is a digital card on the last page of the digital policy
-   PDF. Members should keep it saved and handy. [Debasis Basu, December 2024]
-
-
-Q35. How can I retrieve my policy if I have lost or deleted the email?
-
-A. Two options:
-   (1) Install the Care Health Insurance app and retrieve the policy using the
-       policy number. The app also has an "Emergency Login for Family Member"
-       feature.
-   (2) Use the self-service link:
-       https://selfcare.careinsurance.com/self-help-policy-verification?
-       subCategory=policyDetails-showPolicyDetails
-       Enter the policy number and the certificate and cashless card will be
-       generated within a minute.
-   [Debasis Basu, December 2024 and March 2025]
-
-
-Q36. Can I log in to NITDAA portal to access my STUP policy?
-
-A. Yes. Log in to www.nitdaa.org. Under the Health Insurance tab, the STUP
-   policy is accessible. The Base Policy (Oriental) may not be directly
-   accessible through the NITDAA portal as Oriental's infrastructure integration
-   is different. [Goutam Majumder, November 2025]
-
-
-================================================================================
-SECTION 7: CLAIMS PROCESS
-================================================================================
-
-Q37. Who do I contact first when I need to make a claim?
-
-A. Zopper is the single window contact for the insured. All documents and claims
-   are submitted via email to Zopper (nitdaahealthplan@zopper.com). There is no
-   direct contact with Care Insurance as part of the standard claim process.
-   Zopper also assists in assembling documents, advising on their nature and
-   source, and provides advance information on claim status.
-   [Goutam Majumder, January 2025]
-
-
-Q38. Does Care Health Insurance have a TPA?
-
-A. No. Care does not use a TPA. It has its own claims team. Zopper, as the
-   servicing intermediary, provides support for claims.
-   [Debasis Basu, September 2024]
-
-
-Q39. What documents are needed for a reimbursement claim?
-
-A. Based on the Bivas claim case (December 2024-January 2025), the following
-   were submitted:
-   — Filled reimbursement claim form
-   — Scan copy of discharge summary
-   — Scan copies of all bill payment receipts
-   — Scan copy of final bill
-   — Aadhaar and PAN cards
-   — Cashless final approval letter from base insurer (if applicable)
-   — Cancelled cheque
-
-   Care subsequently asked for:
-   — First consultation prescription of the doctor who attended on the day of
-     admission
-   — MLC report (if applicable)
-   — Investigation reports supporting the diagnosis
-   — Indoor case papers
-
-   Recommendation: Keep every piece of paper issued by the hospital, even if
-   it seems insignificant. [Goutam Majumder, January 2025]
-
-
-Q40. Should I submit original bills or photocopies?
-
-A. Submit self-attested photocopies, not originals. The NITDAA team has
-   negotiated with the insurer to accept self-attested photocopies. If they
-   request originals, offer to send them to the nearest office for verification
-   and return. [Debasis Basu, November 2025]
-
-
-Q41. What is the experience with claim settlement in the first year?
-
-A. Case 1 (Bivas, Durgapur, December 2024):
-   — Soma (spouse) was admitted to a non-network hospital with burn injuries.
-   — Base insurer (National Insurance / Medi Assist) paid Rs 81,386 cashless.
-   — Bivas paid Rs 5,58,599 out-of-pocket. Total bill: Rs 6,39,985.
-   — Deductible under STUP: Rs 5,00,000. Claim filed: Rs 1,39,985.
-   — Care paid in two tranches: Rs 55,928 and Rs 81,386. Total: Rs 1,37,314.
-   — Settled at approximately 98.1% of the claimed amount.
-   — Complications: Non-network hospital, "Anywhere Cashless" denied,
-     investigator harassment; all resolved on NITDAA intervention.
-
-   Case 2 (Anirban, Navi Mumbai, December 2024-January 2025):
-   — Both parents hospitalised at MGM Vashi (network hospital), total bill Rs 8.5L.
-   — Base policy with Star Health (not Care); hospital refused dual cashless.
-   — Discharged after paying balance; reimbursement route followed.
-   — Claim processed within approximately 30 days.
-   — Certain deductions made for consumables etc.
-   — Zopper was very helpful throughout the process.
-
-   General observation from IIM Bangalore programme (same STUP policy):
-   — A single claim of Rs 39 lakhs was paid for a 45-year-old member.
-   — NIT Warangal had a single claim paid of Rs 13 lakhs.
-   [Goutam Majumder, January 2025; Debasis Basu, multiple dates]
-
-
-Q42. What is the claim settlement ratio of Care Health Insurance?
-
-A. The data shared was the 2022-23 industry report showing Care's loss ratio by
-   policy count at approximately 67-70%, meaning 70 out of 100 policies had
-   claims. Debasis Basu cautioned this is not the "percentage of claims paid"
-   but the "cost of claims relative to premium" (loss ratio).
-   He noted Care's loss ratio had increased in 2023-24 and this was a concern.
-   [Debasis Basu, November 2024]
-
-
-Q43. Can I go to Ombudsman if a claim is denied?
-
-A. Yes. The Insurance Ombudsman route is available if Zopper/Care does not
-   resolve the issue. The complaint link is:
-   https://www.cioins.co.in/
-   The NITDAA team does not expect members to need this route given the group
-   policy's commercial leverage, but it is available. Medical claim disputes
-   generally do not go to the legal route; the Ombudsman level is the most
-   extreme recourse. [Debasis Basu, December 2024]
-
-
-================================================================================
-SECTION 8: ENROLLMENT AND RENEWAL
-================================================================================
-
-Q44. When does enrollment open for new members?
-
-A. Year 1 (STUP only): Window opened around August 2024, closed September 15,
-   2024. No further extension was given.
-   Year 2 (STUP new enrollment): Around July 15, 2025 (with possible few days
-   delay for system readiness). Window remained open for approximately one month.
-   Year 2 (Base Policy): Enrollment opened June 5, 2025 and closed June 25, 2025.
-   Year 3 (both policies): Renewal and new enrollment expected in June/July 2026.
-   [Debasis Basu, multiple dates]
-
-
-Q45. Can the policy be bought outside the enrollment window?
-
-A. No. New enrollment is only possible during the announced enrollment window.
-   For STUP Year 1 policy holders who missed the renewal, a short extension window
-   in Feb-March was explored for Base Policy but not confirmed for STUP.
-   [Debasis Basu, November 2025 and December 2025]
-
-
-Q46. How does renewal work for the STUP?
-
-A. Renewal notices come by email from Care Insurance and by SMS. The renewal is
-   done through the NITDAA portal (www.nitdaa.org > External Insurance tab) using
-   the same process as the initial purchase. Renewals go live from respective
-   policy anniversary dates. Members should renew at least 7-10 days before the
-   renewal date.
-   [Debasis Basu, June 2025 and July 2025]
-
-
-Q47. Can I port my existing individual health insurance policy to the NITDAA
-group policy?
-
-A. No. NITDAA group policies have no porting-in or porting-out facility. If you
-   wish to switch from your existing policy to NITDAA policies, it is advisable
-   to maintain overlap between the two policies for one year (to cover the NITDAA
-   PED waiting period) and then discontinue the old policy. [Debasis Basu,
-   January 2026]
-
-
-Q48. Is there a no-claim bonus (NCB) in the STUP policy?
-
-A. No. There is no no-claim bonus in a group policy. [Debasis Basu, June 2025]
-
-
-Q49. Will the premium remain the same on renewal?
-
-A. The premium on renewal is likely to remain the same. However, the premium is
-   on an age-band basis and is subject to the overall loss ratio of the group
-   portfolio. If the loss ratio remains manageable, the premium should be stable.
-   The group leverage across multiple NITs (NIT Warangal, Nagpur, Hamirpur,
-   Rourkela, Surathkal, Calicut, Jamshedpur, and NIT Durgapur, with others
-   joining) provides additional stability. [Debasis Basu, June 2025]
-
-
-================================================================================
-SECTION 9: RELATIONSHIP WITH OTHER POLICIES AND SCHEMES
-================================================================================
-
-Q50. If I have a government scheme (CGHS / ESI / company group insurance /
-Sasthya Sathi), do I still need this policy?
-
-A. These schemes have fixed limits that do not increase with medical cost
-   inflation (currently 13-15% per year). The NITDAA programme is considering
-   higher deductible options (15, 20, 25 lakhs) for those with employer or
-   government coverage at those levels. Taking the STUP with a high deductible
-   as a backup over an existing scheme provides high-limit protection at an
-   affordable premium.
-
-   For CGHS users specifically: CGHS hospitals are limited, and treatment is
-   restricted to government hospitals. The NITDAA policy allows treatment at
-   private network hospitals including single room facility.
-   [Debasis Basu, multiple dates]
-
-
-Q51. My cataract operation cost Rs 1.25 lakhs. My base policy reimbursed
-Rs 75,000. Can I claim the balance from the STUP?
-
-A. No. The STUP will not pay below the chosen deductible (3 lakhs or 5 lakhs).
-   If the total cumulative family bill for the year has not crossed the
-   deductible, the STUP does not trigger. [Debasis Basu, March 2025]
-
-
-================================================================================
-SECTION 10: POLICY AND INSURANCE CONCEPTS
-================================================================================
-
-Q52. Can an error in my name (e.g., middle name missing) affect my claim?
-
-A. A minor clerical error in the name that is not material to the loss would
-   not affect a claim. In a group policy, small deviations are generally not
-   an issue unlike individual policies. However, key fields like date of birth
-   and address should be correct. The advantage of group policy is that minor
-   individual deviations cannot be used as grounds for denial.
-   [Debasis Basu, December 2024]
-
-
-Q53. Why does the hospital network keep changing?
-
-A. Hospitals are de-listed when they do not comply with the pre-agreed rates
-   between the insurer and the network hospital. Hospitals sometimes increase
-   charges beyond what the insurer has agreed. If an agreement is reached, the
-   hospital is re-listed. This is a commercial negotiation that is ongoing.
-   Apollo Kolkata (on EM Bypass) was delisted and subsequently came back into
-   the Care network. [Debasis Basu, March 2025 and January 2025]
-
-
-Q54. Why does the insurer pay less on reimbursement claims compared to cashless?
-
-A. For cashless in network hospitals, the insurer pays according to pre-agreed
-   rates. For reimbursement from non-network hospitals, the insurer settles
-   based on the same pre-agreed "rack rate" it uses for network hospitals. Since
-   non-network hospitals typically charge higher rates, the insurer will not pay
-   the full bill. [Debasis Basu, multiple dates]
-
-
-Q55. What is the Principle of Utmost Good Faith in insurance?
-
-A. Insurance is based on the principle of Utmost Good Faith. The policyholder is
-   expected to be fully transparent at the time of buying the policy. Hiding a
-   pre-existing condition and later having a claim rejected for non-disclosure
-   is worse than declaring the condition and waiting out the one-year exclusion
-   period. [Debasis Basu, September 2024]
-
-
-================================================================================
-SECTION 11: ANAND GAGGAR — ADVISORY POSTS
-================================================================================
-
-Q56. What was Anand Gaggar's assessment of India's healthcare costs and the
-need for the NITDAA STUP?
-
-A. In a July 2025 article, Anand Gaggar wrote:
-
-   India's healthcare crisis unfolds through the relentless erosion of financial
-   security. Medical emergencies routinely wipe out years of savings. India
-   spends barely 1.4% of its GDP on public healthcare. Over 66% of India's total
-   health expenditure comes directly from people's pockets — one of the highest
-   proportions globally.
-
-   For alumni of NIT Durgapur, the NITDAA-sponsored Super Top-Up Health Insurance
-   Plan has been a lifesaver. He strongly urged all NIT Durgapur alumni to enroll
-   when the window opens. While coverage up to Rs 1 crore is available, he
-   recommended a minimum Rs 25 lakh Sum Insured with a deductible of Rs 3 to 5
-   lakhs (depending on the base policy).
-   [Anand Gaggar, July 2025]
-
-
-Q57. What was Anand Gaggar's message in February 2026 to encourage alumni to
-enroll?
-
-A. He circulated a note to his batchmates that included the following key points:
-
-   — Real experience: Alumni Atul Agarwal's father (above 75) had a hospital
-     bill of Rs 6.85 lakhs. Rs 5 lakhs were approved under the base policy
-     without hassle. The balance is to be claimed under the STUP. Atul's feedback:
-     "The approval was smooth and the policy is especially valuable for the
-     elderly."
-   — A NITDAA Medical Emergency WhatsApp group exists for members who have
-     enrolled.
-   — A NITDAA Insurance Servicing Team WhatsApp group provides guidance on
-     policy matters.
-   — At the seniors' age, medical emergencies do not give prior notice.
-     Financial preparedness gives peace of mind — not just to us, but to our
-     families.
-   — Let us not postpone this decision.
-   [Anand Gaggar, February 2026]
-
-
-Q58. What was Anand Gaggar's note to batchmates in April 2026 about the need
-for health insurance at senior ages?
-
-A. He wrote:
-
-   As we move further into our seventies, one reality is becoming increasingly
-   clear — healthcare in India is improving rapidly, but it is also becoming
-   significantly more expensive. A short hospital stay for what was once
-   considered a "minor issue" can easily run into Rs 5-7 lakhs. A surgery, ICU
-   care, or a complication can push bills well beyond Rs 20-25 lakhs.
-
-   Taking a Rs 30 lakh individual health cover at this age is almost impractical
-   as premiums can run into several lakhs annually. This is where the NITDAA
-   group health insurance scheme becomes extremely relevant. A Base Policy
-   combined with a Super Top-Up Policy provides Rs 30 lakhs and beyond coverage,
-   with premiums that are still manageable — typically under Rs 1 lakh per year.
-
-   The annual premium for such a cover may be roughly equivalent to: the cost of
-   smoking one packet of cigarettes a day, or just one family dinner outside per
-   month.
-   [Anand Gaggar, April 2026]
-
-
-Q59. What alert did Anand Gaggar share about the Care Insurance excluded
-providers list in March 2026?
-
-A. Anand Gaggar (REC 1965-70) received a communication from Care Insurance
-   titled "Excluded Providers Locator" containing a 181-page document. The
-   communication stated: Providers who fall short of Care's quality assurance
-   standards are excluded from the serviceable list for both cashless and
-   reimbursement claims (except in emergencies).
-
-   He shared this in the group so members could be aware and check the list
-   before choosing a hospital. The Care Insurance excluded providers link:
-   https://cms.careinsurance.com/cms/public/uploads/download_center/Excluded_List.pdf
-
-   Debasis Basu confirmed he would check and revert. Members were advised not to
-   panic and to wait for clarification. [Anand Gaggar, March 2026]
-
-
-Q60. What is Anand Gaggar's suggestion on AI for healthcare bill auditing?
-
-A. In April 2026, Anand Gaggar noted that advanced AI systems can analyse
-   massive datasets — medical records, pharmacy logs, insurance claims, and
-   hospital billing codes — to detect irregularities such as upcoding and
-   unbundling of procedures. He asked whether there is a software developer
-   within the NITDAA family who could develop a service to analyse hospital
-   bills, medical records, and insurance claims to flag suspicious charges — a
-   platform that could empower ordinary patients against opaque hospital billing.
-   [Anand Gaggar, April 2026]
-
-
-================================================================================
-SECTION 12: CONTACT INFORMATION (AS APPEARING IN THE CHAT)
-================================================================================
-
-For Insurance-related queries:
-   — Debasis Basu: 8420130756
-   — Goutam Majumdar: 94344 75011
-   — Sandip Roy: 98300 58101
-
-For Membership and system-related issues:
-   — Probal Chakraverty: 9831054954
-   — Somnath Kar: 9836069058
-   — Goutam Majumdar: 94344 75011
-
-For Zopper (policy servicing):
-   — Email: nitdaahealthplan@zopper.com
-   — Rishab Katiyar: 93551 30621 / 98717 13662
-
-NITDAA Portal: www.nitdaa.org
-Enrollment Link: https://www.nitdaa.org/external_insurance
-Care Health Network Hospitals: https://www.careinsurance.com/health-plan-network-hospitals.html
-
-================================================================================
-END OF DOCUMENT
-================================================================================

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kbdocs/NITDAA_Base_Insurance_RAG_KB_2026.txt

@@ -1,1520 +0,0 @@
-################################################################################
-# NITDAA BASE HEALTH INSURANCE PROGRAM — RAG KNOWLEDGE BASE
-# (Base Policy Only — STUP and Worldwide Coverage Removed)
-################################################################################
-# Version       : 3.1  (2026-06-09)
-# Plan Scope     : Base Policy Only (Rs. 3 Lakhs and Rs. 5 Lakhs)
-# Removed        : Super Top-Up (STUP) insurance details
-#                  Worldwide Critical Illness coverage details
-# Text Fixes     : IITMAA->NITDAA | IIT->NIT | IITM->NITD
-#                  Madras->Durgapur | Chennai->Durgapur
-#                  Indian Institute of Technology->National Institute of Technology
-# Insurer        : Aditya Birla Health Insurance Co. Ltd. (ABHI)
-# Product UIN    : ADIHLGP22190V032122 (Group Activ Health)
-# Broker         : Zopper Insurance Brokers Private Limited
-# Master Holder  : NIT Durgapur Alumni Association (NITDAA)
-# Total Chunks   : 33
-# Optimized for  : ChromaDB (VectorDB) | KuzuDB (GraphDB) | BM25 keyword search
-################################################################################
-# CHUNK FORMAT
-#   [CHUNK]
-#   id            : globally unique identifier
-#   section       : top-level section name
-#   subsection    : sub-level section name
-#   topic_tags    : BM25 keyword-rich comma-separated terms
-#   entities      : pipe-separated Entity_Type:Entity_Name for KuzuDB nodes
-#   relationships : semicolon-separated subject|predicate|object for KuzuDB edges
-#   text          : self-contained, descriptive, bulleted content for embedding
-#   [/CHUNK]
-################################################################################
-
-
-[CHUNK]
-id            : OVERVIEW_001
-section       : Plan Overview
-subsection    : Program Introduction and Key Parties
-topic_tags    : NITDAA, NIT Durgapur Alumni Association, health insurance, group policy, alumni, base plan, overview, welfare initiative, master policy, Aditya Birla, Zopper, Solvy Tech, floater, Group Activ Health, ADIHLGP22190V032122
-entities      : Organization:NITDAA|Organization:NIT_Durgapur_Alumni_Association|Plan:NITDAA_Base_Health_Insurance|Insurer:Aditya_Birla_Health_Insurance|Broker:Zopper_Insurance_Brokers|Tech_Partner:Solvy_Tech_Solutions|Policy:Group_Activ_Health
-relationships : NITDAA|administers|NITDAA_Base_Health_Insurance;Aditya_Birla_Health_Insurance|underwrites|NITDAA_Base_Health_Insurance;Zopper_Insurance_Brokers|brokers|NITDAA_Base_Health_Insurance;NIT_Durgapur|is_master_policy_holder|NITDAA_Base_Health_Insurance
-text          :
-  NITDAA BASE HEALTH INSURANCE PROGRAM — OVERVIEW
-
-  WHAT IT IS:
-  - An exclusive group health insurance plan for NIT Durgapur alumni (NITDAA members) and
-    their eligible family members
-  - This is a welfare initiative; NITDAA and its representatives have no personal, financial,
-    or commercial interest in promoting this policy
-  - Terms are exclusive to NITD alumni — NOT available in the retail/open market
-
-  KEY PARTIES:
-  - Master Policyholder : NIT Durgapur (Institution) / NITDAA
-  - Insurer             : Aditya Birla Health Insurance Co. Ltd. (ABHI)
-  - Product             : Group Activ Health | UIN: ADIHLGP22190V032122
-  - Broker              : Zopper Insurance Brokers Private Limited
-  - Technology Partner  : Solvy Tech Solutions Private Limited
-  - Claim Servicing     : In-house by ABHI (no separate TPA)
-  - Policy Type         : Family Floater | Tenure: 1 Year (annual renewal)
-  - Sum Insured Options : Rs. 3 Lakhs or Rs. 5 Lakhs
-
-  DISCLAIMER: NIT Durgapur (Master Policyholder) is NOT responsible for claim settlement.
-  All claims are settled exclusively by Aditya Birla Health Insurance Co. Ltd.
-
-  ENROLLMENT WINDOW (2026):
-  - Enrollment Opens    : 08 June 2026
-  - Payment Gateway     : 10 June 2026 (payment processing begins)
-  - Enrollment Closes   : 30 June 2026
-
-  PROGRAM SCALE:
-  - 3,000+ lives insured under Base policy
-  - Common Master Agreement across 6 NITs:
-    Calicut, Durgapur, Jamshedpur, Rourkela, Surathkal, Warangal
-  - Claim Settlement Ratio of Aditya Birla Health Insurance: 98%
-
-  KEY ADVANTAGES OVER RETAIL INDIVIDUAL POLICIES:
-  - No medical tests required at enrollment
-  - No negative list — members with ALL pre-existing conditions (PEDs) allowed to enroll
-  - Parents and parents-in-law can be covered (retail typically denies older members)
-  - Lifelong renewability once enrolled before 85 years
-  - Aggregate group buying power — better terms than retail
-  - Protection against claim rejection on flimsy grounds
-  - Pan-India NITD Champions network for emergency support
-  - Premiums eligible for Section 80D income tax deduction
-  - Completely digital end-to-end enrollment through NITDAA portal
-  - No registration fee charged by NITDAA on this group policy
-[/CHUNK]
-
-[CHUNK]
-id            : ELIGIBILITY_001
-section       : Eligibility
-subsection    : Family Members Who Can Be Covered
-topic_tags    : eligibility, who can be covered, family members, alumni, spouse, children, parents, parents-in-law, siblings not allowed, covered members, dependent children, proposer mandatory, three policy combinations, ASK policy
-entities      : Member_Type:Alumni|Member_Type:Spouse|Member_Type:Child_Max4|Member_Type:Parents_Max2|Member_Type:ParentsInLaw_Max2|Rule:Alumni_Must_Be_Proposer|Combo:ASK|Combo:Parents|Combo:Parents_in_Law
-relationships : Alumni|is_mandatory_proposer|Policy;Alumni|can_add|Spouse;Alumni|can_add|Up_to_4_Children;Alumni|can_add|Up_to_2_Parents;Alumni|can_add|Up_to_2_Parents_in_Law;Siblings|NOT_eligible|Policy;Alumni_Self|must_enroll_before|Parents_or_InLaws
-text          :
-  WHO CAN BE COVERED — NITDAA BASE HEALTH INSURANCE
-
-  ELIGIBLE FAMILY MEMBERS (maximum per family):
-  - Alumni (NITD)           : 1 — Mandatory proposer/primary policyholder
-  - Spouse                  : 1 — Lawfully wedded
-  - Dependent Children      : Up to 4
-      NEW MEMBERS' children     : Age Day 1 to 25 years (entry and exit at 26)
-      RENEWAL MEMBERS' children : If already above 25 and enrolled before turning 25,
-                                   coverage continues until age 30
-  - Parents                 : Up to 2 — Both parents of alumni
-  - Parents-in-Law          : Up to 2 — Both parents of spouse
-
-  MANDATORY RULE:
-  - Alumni MUST be the proposer; alumni must enroll self BEFORE adding parents or parents-in-law
-  - Can take only a policy for self, or self+spouse+kids, before adding parents/in-laws
-
-  NOT ELIGIBLE:
-  - Siblings (never eligible under any circumstance)
-  - Children above 25 years — for NEW members/new enrollments only
-    (Renewal members whose children were already enrolled may continue until age 30)
-  - Friends, relatives beyond the eligible categories
-  - Members not connected to NITD alumni
-
-  THREE INDEPENDENT POLICY COMBINATIONS (each has its own separate Sum Insured):
-  1. Alumni + Spouse + Children (ASK Policy)
-  2. Parents (separate floater policy)
-  3. Parents-in-Law (separate floater policy)
-
-  ADDING MEMBERS AT RENEWAL:
-  - Spouse and children can be added during renewal window via Endorsement
-  - Newly added members: fresh 1-year PED waiting period applies
-  - Existing members at renewal: ZERO waiting period
-
-  PREMIUM RATE RULE:
-  - Rate determined by age of the OLDEST member in the family unit
-  - If both spouses are NITD alumni, do NOT use younger spouse as proposer to reduce rate
-    (age of oldest member governs the slab regardless)
-[/CHUNK]
-
-[CHUNK]
-id            : ELIGIBILITY_002
-section       : Eligibility
-subsection    : Entry and Exit Age Criteria
-topic_tags    : entry age, exit age, 85 years, lifelong renewability, child age 25, child age 30 renewal, parent age 41, alumni age 18, after 85 renewal, age limit, 26 exit, 30 renewal child, age criteria, new member child 25, renewal member child 30, age policy children
-entities      : Age_Criteria:Alumni_Spouse_18to85|Age_Criteria:Child_NewMember_Day1to25|Age_Criteria:Child_RenewalMember_26to30|Age_Criteria:Parent_41to85|Exit:Child_NewMember_26|Exit:Child_RenewalMember_30|Exit:Alumni_Spouse_Lifelong|Exit:Parent_Lifelong
-relationships : Alumni_Spouse|entry_age_min|18;Alumni_Spouse|entry_age_max|85;Child_New|entry_age_min|Day1;Child_New|entry_age_max|25;Child_New|exit_at|26;Child_Renewal_already_enrolled|exit_at|30;Parent_ParentInLaw|entry_age_min|41;Parent_ParentInLaw|entry_age_max|85;Alumni_Spouse|exit|Lifelong_if_enrolled_before_85
-text          :
-  ENTRY AND EXIT AGE CRITERIA — NITDAA BASE HEALTH INSURANCE
-
-  ENTRY AGE:
-  Member                       Entry Age Range
-  -----------------------------------------------
-  Alumni & Spouse              18 years to 85 years
-  Dependent Children           From Day 1 (newborn) to 25 years
-  Parents & Parents-in-Law     41 years to 85 years
-
-  EXIT AGE:
-  Member                       Exit Age
-  -----------------------------------------------
-  Alumni & Spouse              Lifelong Renewability*
-  Dependent Children           NEW MEMBER enrollment: exits at 26 years
-                               RENEWAL MEMBER (already enrolled before 25): continues to 30 years
-  Parents & Parents-in-Law     Lifelong Renewability*
-
-  *LIFELONG RENEWABILITY RULE:
-  - 85 years is ONLY the entry criteria, NOT a renewal exit criterion
-  - Once enrolled before age 85, the member can continue renewing INDEFINITELY
-    as long as the NITDAA program continues with the insurer
-  - Applies to alumni, spouse, parents, and parents-in-law
-
-  PREMIUM SLAB FOR 85+ MEMBERS:
-  - Costs are standard for members above 85 (not individually variable)
-  - Slab cost may change year-over-year based on group's overall claim ratio
-
-  AGE CALCULATION BASIS:
-  - Age = Completed age as on the policy issuance date (typically in July)
-[/CHUNK]
-
-[CHUNK]
-id            : ELIGIBILITY_003
-section       : Eligibility
-subsection    : NRI Alumni — Enrollment and Coverage Rules
-topic_tags    : NRI, non-resident Indian, overseas, foreign citizen, India only treatment, Indian mobile number, WhatsApp, diagnosis abroad, UAE, international number, NRI alumni enrollment, treatment within India, claims outside India not admissible
-entities      : Member_Type:NRI_Alumni|Rule:India_Only_Claims|Requirement:Indian_Mobile_Number|Alternative:International_WhatsApp_Number
-relationships : NRI_Alumni|can_enroll|Yes;Policy|jurisdiction|India_Only;Claim|admissible_for|Treatment_within_India;Claim|NOT_admissible_for|Treatment_outside_India;Indian_Mobile_Number|required_for|Policy_Issuance
-text          :
-  NRI ALUMNI — ENROLLMENT AND COVERAGE RULES
-
-  ELIGIBILITY:
-  - NRI alumni (including foreign citizens) are eligible to enroll in this plan
-  - Alumni with foreign citizenship can also enroll self and cover parents with Indian citizenship
-  - Alumni must enroll themselves FIRST before adding parents or in-laws
-
-  COVERAGE SCOPE FOR NRI:
-  - This policy covers ONLY hospitalizations and treatments taken WITHIN INDIA
-  - Claims for any treatment availed OUTSIDE INDIA are NOT admissible
-  - A condition diagnosed outside India IS covered if treatment/hospitalization is sought within India
-
-  ENROLLMENT REQUIREMENTS FOR NRI:
-  - An Indian mobile number is required for policy issuance
-  - If the alumni does not have an Indian number:
-    Option 1: Use a family member's Indian mobile number
-    Option 2: Register your international number as WhatsApp number during enrollment journey
-
-  KEY Q&A FOR NRI ALUMNI:
-  Q: I am an NRI. Can I buy the Base insurance policy for myself and parents?
-  A: Yes. An Indian mobile number (yours or a family member's) is required for policy issuance.
-     Coverage is valid ONLY for treatments availed within India.
-     Claims for treatment taken outside India are NOT admissible.
-
-  Q: I have global employer coverage. I am 58, retiring in 2 years. Should I enroll now?
-  A: Yes. Enrolling now means by next year's renewal, PED waiting period will be waived.
-
-  Q: I am diagnosed outside India. Can I claim for treatment in India?
-  A: Yes. If treatment/hospitalization is taken within India, the claim is fully admissible.
-[/CHUNK]
-
-[CHUNK]
-id            : SUM_INSURED_001
-section       : Sum Insured
-subsection    : Options, Floater Structure, and Policy Combinations
-topic_tags    : sum insured, 3 lakhs, 5 lakhs, floater, policy combination, independent SI, ASK policy, parents policy, in-laws policy, sub-limit no capping, increase SI, decrease SI, multi-year not available, claim limit per year
-entities      : SI_Option:3_Lakhs|SI_Option:5_Lakhs|Cover_Type:Family_Floater|Combo:ASK_Alumni_Spouse_Kids|Combo:Parents|Combo:Parents_in_Law
-relationships : Base_Plan|SI_options|3L_and_5L;Base_Plan|cover_type|Family_Floater;ASK_Combo|independent_SI_from|Parents_Combo;Sub_limits|apply|No_Capping;SI_Increase|subject_to|Insurer_Approval_at_Renewal;Multi_Year_Policy|available|No
-text          :
-  SUM INSURED OPTIONS — NITDAA BASE HEALTH INSURANCE
-
-  AVAILABLE SUM INSURED (Base Plan):
-  - Option 1 : Rs. 3 Lakhs (Floater basis)
-  - Option 2 : Rs. 5 Lakhs (Floater basis)
-
-  FLOATER STRUCTURE:
-  - Sum Insured is shared among all members in one policy combination per policy year
-  - Maximum payable per policy year = chosen Sum Insured
-  - Sub-limits or capping on ANY ailment/treatment: NONE (no capping applies)
-
-  THREE INDEPENDENT POLICY COMBINATIONS (each has its own Sum Insured):
-  Combo 1 : Alumni + Spouse + Children (ASK Policy)
-  Combo 2 : Parents (separate floater policy)
-  Combo 3 : Parents-in-Law (separate floater policy)
-  Example: If SI is Rs. 5L and you hold all 3 combos, each has independent Rs. 5L available
-
-  MULTIPLE CLAIMS IN ONE YEAR:
-  - No restriction on number of claims within a policy year
-  - Claims are payable up to the available sum insured for that combination
-
-  SUM INSURED MANAGEMENT:
-  - Increase at renewal       : Subject to insurer approval (not guaranteed)
-  - Decrease at renewal       : No restriction
-  - RECOMMENDATION            : Take the HIGHEST affordable SI at FIRST enrollment
-    (If SI increase is disallowed next year, you'll be locked into lower cover)
-  - If SI increase is permitted: Fresh waiting period applies only to the incremental amount
-  - Multi-year policy         : NOT available; policy is 1 year, renewed annually
-[/CHUNK]
-
-[CHUNK]
-id            : WAITING_001
-section       : Waiting Periods
-subsection    : New Member Waiting Periods — Three Types
-topic_tags    : waiting period, initial waiting 30 days, specific disease 12 months, PED 12 months, pre-existing disease, new member, accident exempt, no PED declaration, negative list, 12 month wait, Day 1 accident coverage
-entities      : Wait_Period:Initial_30Days|Wait_Period:Specific_Disease_12Months|Wait_Period:PED_12Months|Exception:Accident_Exempt_from_30Day|Rule:No_PED_Declaration|Rule:No_Negative_List
-relationships : New_Member|subject_to|Initial_30Days_Wait;New_Member|subject_to|Specific_Disease_12Months_Wait;New_Member|subject_to|PED_12Months_Wait;Accident|exempt_from|Initial_30Days;Accident|exempt_from|Specific_Disease_Wait;PED|declaration_required|No
-text          :
-  WAITING PERIODS — NEW MEMBERS
-
-  THREE WAITING PERIODS FOR ALL NEW MEMBERS:
-
-  1. INITIAL WAITING PERIOD — 30 Days
-     - All illness-related claims within first 30 days from commencement: EXCLUDED
-     - EXCEPTION: Injury/Accident cases — covered from Day 1, no waiting period
-     - This waiting period is served ONCE; waived completely at renewal
-
-  2. SPECIFIC DISEASES WAITING PERIOD — 12 Months
-     - A defined list of conditions requires 12 months of continuous coverage before claims
-     - Complete disease list with body systems: see Section 5 chunks
-     - EXCEPTION: Accident-related claims for any listed condition: NOT subject to this wait
-     - Rule: If a specific disease is also a Pre-Existing Disease, the LONGER wait applies
-       (both are 12 months in this plan — they run concurrently)
-
-  3. PRE-EXISTING DISEASE (PED) WAITING PERIOD — 12 Months
-     - PED definition: Any condition diagnosed or treated within 36 months prior to policy start
-     - All PEDs covered AFTER 12 months of continuous coverage
-     - NO PEDs need to be declared at enrollment
-     - Members with ALL pre-existing conditions can enroll (no negative list)
-     - No medical tests required to verify PED status
-     - No documentation of health history required
-
-  IMPORTANT: PED waiting period applies ONLY to new members.
-  From Year 2 renewal onwards, zero waiting period for existing members.
-[/CHUNK]
-
-[CHUNK]
-id            : WAITING_002
-section       : Waiting Periods
-subsection    : Renewal Members — Zero Wait, Break Consequences, Portability
-topic_tags    : renewal waiting period, zero waiting, PED waiver, break in policy, lapse, re-entry, portability not possible, moratorium period, continuity benefit, no waiting renewal, early enrollment advised
-entities      : Rule:Zero_Wait_at_Renewal|Consequence:Break_Resets_All_Waits|Rule:No_Portability_Inward|Benefit:PED_Waiver_from_Year2
-relationships : Renewal_Member|subject_to_wait|None;Renewal|waives|Initial_30Day_Wait;Renewal|waives|Specific_Disease_12Month_Wait;Renewal|waives|PED_12Month_Wait;Break_in_Policy|resets|All_Waiting_Periods;Portability_into_Plan|possible|No
-text          :
-  WAITING PERIODS — RENEWAL MEMBERS
-
-  FOR EXISTING RENEWAL MEMBERS:
-  - Zero waiting period of any kind from Year 2 onwards
-  - Initial 30-day wait: WAIVED
-  - Specific disease 12-month wait: WAIVED
-  - PED 12-month wait: WAIVED
-  - Full coverage from Day 1 of renewal
-
-  FOR MEMBERS NEWLY ADDED AT RENEWAL (e.g., adding spouse or child in Year 2):
-  - Newly added members = treated as new members
-  - Full 1-year PED waiting period applies to newly added members
-  - Existing members in the same policy retain their zero-wait renewal benefits
-
-  CONSEQUENCES OF BREAK IN POLICY (NON-RENEWAL):
-  - All waiting periods (30 days, 12-month specific diseases, 12-month PED) restart from scratch
-  - Cannot exit and rejoin while retaining waiting period credits
-  - Once you do not renew, ALL renewal benefits are permanently lost
-  - On re-joining, you are treated as a new member
-  - PORTABILITY FROM ANOTHER INSURER INTO THIS PLAN: NOT POSSIBLE
-
-  MIGRATION WITHIN ABHI (same insurer):
-  - Migration to another Aditya Birla product is possible
-  - Must apply for migration at least 30 days before renewal date
-  - All accrued continuity benefits transfer to the new ABHI product
-
-  RECOMMENDATION: Enroll now even if you do not immediately need cover.
-  The sooner you enroll, the sooner waiting periods are served and
-  PED waiver becomes available at next renewal.
-[/CHUNK]
-
-[CHUNK]
-id            : DISEASES_001
-section       : Specific Diseases — 12-Month Wait
-subsection    : Eye and ENT Conditions
-topic_tags    : specific diseases 12 months, eye, cataract surgery, glaucoma surgery, ENT, sinusitis, tonsillitis, tympanitis, deviated nasal septum, otitis media, adenoids, mastoiditis, cholesteatoma, named ailments, waiting period disease list
-entities      : Disease:Cataract|Disease:Glaucoma|Disease:Serous_Otitis_Media|Disease:Sinusitis|Disease:Rhinitis|Disease:Tonsillitis|Disease:Tympanitis|Disease:Deviated_Nasal_Septum|Disease:Otitis_Media|Disease:Adenoiditis|Disease:Mastoiditis|Disease:Cholesteatoma|System:Eye|System:Ear_Nose_Throat
-relationships : Cataract|system|Eye;Cataract|wait_months|12;Cataract|surgery|Cataract_Surgery;Glaucoma|surgery|Glaucoma_Surgery;Sinusitis|system|ENT;Sinusitis|surgery|Sinus_Surgery;Tonsillitis|surgery|Tonsillectomy;Tympanitis|surgery|Tympanoplasty;Deviated_Nasal_Septum|surgery|DNS_Surgery;Otitis_Media|surgery|Treatment_for_Otitis_Media;Adenoiditis|surgery|Adenoidectomy;Mastoiditis|surgery|Mastoidectomy
-text          :
-  SPECIFIC DISEASES — 12-MONTH WAITING PERIOD (NEW MEMBERS)
-  Body System: EYE and EAR/NOSE/THROAT (ENT)
-
-  NOTE: Waiting periods do NOT apply to renewal members.
-  NOTE: Claims arising from ACCIDENTS are EXEMPT from this waiting period.
-
-  BODY SYSTEM: EYE
-  Illness                 | Treatment / Surgery
-  ----------------------- | -------------------------
-  Cataract                | Cataract Surgery
-  Glaucoma                | Glaucoma Surgery
-
-  BODY SYSTEM: EAR, NOSE, THROAT (ENT)
-  Illness                   | Treatment / Surgery
-  ------------------------- | -------------------------------------------------
-  Serous Otitis Media        | (treatment covered after wait)
-  Sinusitis                  | Sinus Surgery
-  Rhinitis                   | Surgery for the Nose
-  Tonsillitis                | Tonsillectomy
-  Tympanitis                 | Tympanoplasty
-  Deviated Nasal Septum      | Surgery for Deviated Nasal Septum
-  Otitis Media               | Surgery or Treatment for Otitis Media
-  Adenoiditis                | Adenoidectomy
-  Mastoiditis                | Mastoidectomy
-  Cholesteatoma              | Resection of the Nasal Concha
-[/CHUNK]
-
-[CHUNK]
-id            : DISEASES_002
-section       : Specific Diseases — 12-Month Wait
-subsection    : Gynecology Conditions
-topic_tags    : specific diseases 12 months, gynecology, PCOD, polycystic ovarian disease, fibroids, endometriosis, uterine prolapse, DUB dysfunctional uterine bleeding, menorrhagia, breast lumps, pelvic inflammatory disease, cysts polyps, hysterectomy, myomectomy
-entities      : Disease:Cysts_Polyps_Female_Genito_Urinary|Disease:PCOD|Disease:Uterine_Prolapse|Disease:Fibroids|Disease:Breast_Lumps|Disease:DUB|Disease:Endometriosis|Disease:Menorrhagia|Disease:Pelvic_Inflammatory_Disease|System:Gynecology
-relationships : PCOD|system|Gynecology;PCOD|wait_months|12;Cysts_Polyps|surgery|Dilatation_and_Curettage;PCOD|surgery|Myomectomy;Uterine_Prolapse|surgery|Uterine_Prolapse_Surgery;Fibroids|surgery|Hysterectomy_unless_malignancy;Menorrhagia|treatment|Any_Treatment_for_Menorrhagia
-text          :
-  SPECIFIC DISEASES — 12-MONTH WAITING PERIOD (NEW MEMBERS)
-  Body System: GYNECOLOGY
-
-  NOTE: Waiting periods do NOT apply to renewal members.
-  NOTE: Claims arising from ACCIDENTS are EXEMPT.
-
-  Illness                                          | Treatment / Surgery
-  -----------------------------------------------  | --------------------------------------------------
-  All Cysts & Polyps of female genito-urinary sys   | Dilatation & Curettage
-  Polycystic Ovarian Disease (PCOD)                 | Myomectomy
-  Uterine Prolapse                                  | Uterine Prolapsed Surgery
-  Fibroids (Fibromyoma)                             | Hysterectomy unless necessitated by malignancy
-  Breast Lumps                                      | Any treatment for Menorrhagia
-  Prolapse of the Uterus                            | —
-  Dysfunctional Uterine Bleeding (DUB)              | —
-  Endometriosis                                     | —
-  Menorrhagia                                       | —
-  Pelvic Inflammatory Disease                       | —
-[/CHUNK]
-
-[CHUNK]
-id            : DISEASES_003
-section       : Specific Diseases — 12-Month Wait
-subsection    : Orthopedic, Rheumatological, and Gastroenterology Conditions
-topic_tags    : specific diseases 12 months, orthopedic, gout, rheumatoid arthritis, osteoarthritis, osteoporosis, disc prolapse, spondylopathies, joint replacement, gastroenterology, gall bladder, bile duct, cholecystitis, pancreatitis, piles hemorrhoids, fistula, GERD, ulcers, cirrhosis
-entities      : Disease:Gout|Disease:Rheumatoid_Arthritis|Disease:Non_Infective_Arthritis|Disease:Osteoarthritis|Disease:Osteoporosis|Disease:Disc_Prolapse|Disease:Spondylopathies|Disease:Gall_Bladder_Stone|Disease:Cholecystitis|Disease:Pancreatitis|Disease:Fissure_Fistula_Piles|Disease:GERD|Disease:Gastric_Ulcers|Disease:Cirrhosis|System:Orthopedic|System:Gastroenterology
-relationships : Gout|system|Orthopedic;Gout|wait_months|12;Gout|surgery|Joint_Replacement;Disc_Prolapse|surgery|Surgery_Intervertebral_Disc;Gall_Bladder_Stone|system|Gastroenterology;Gall_Bladder_Stone|surgery|Cholecystectomy;Gastric_Ulcers|surgery|Surgery_for_Ulcers
-text          :
-  SPECIFIC DISEASES — 12-MONTH WAITING PERIOD (NEW MEMBERS)
-  Body Systems: ORTHOPEDIC / RHEUMATOLOGICAL and GASTROENTEROLOGY
-
-  NOTE: Waiting periods do NOT apply to renewal members.
-  NOTE: Claims arising from ACCIDENTS are EXEMPT.
-
-  BODY SYSTEM: ORTHOPEDIC / RHEUMATOLOGICAL
-  Illness                              | Treatment / Surgery
-  ------------------------------------ | -----------------------------------------------
-  Gout                                 | Joint Replacement Surgery
-  Rheumatism                           | Surgery for Prolapse of Intervertebral Disc
-  Rheumatoid Arthritis                 | —
-  Non-infective Arthritis              | —
-  Osteoarthritis                       | —
-  Osteoporosis                         | —
-  Prolapse of the Intervertebral Disc  | —
-  Spondylopathies                      | —
-
-  BODY SYSTEM: GASTROENTEROLOGY (Alimentary Canal and Related Organs)
-  Illness                                                      | Treatment / Surgery
-  ------------------------------------------------------------ | ------------------------------------
-  Stone in Gall Bladder and Bile Duct                          | Cholecystectomy / Surgery Gall Bladder
-  Cholecystitis                                                | Surgery for Ulcers (Gastric/Duodenal)
-  Pancreatitis                                                 | —
-  Fissure, Fistula in Ano, Hemorrhoids (Piles),                | —
-    Pilonidal Sinus, Ano-rectal & Perianal Abscess             |
-  Rectal Prolapse                                              | —
-  Gastric or Duodenal Erosions/Ulcers + Gastritis/Duodenitis   | —
-  Gastro Esophageal Reflux Disease (GERD)                      | —
-  Cirrhosis                                                    | —
-[/CHUNK]
-
-[CHUNK]
-id            : DISEASES_004
-section       : Specific Diseases — 12-Month Wait
-subsection    : Urogenital, Skin, and General Surgery Conditions
-topic_tags    : specific diseases 12 months, urogenital, kidney stones, ureter, bladder, prostate BHP BEP, hernia, hydrocele, varicocele, spermatocoele, skin tumour, skin diseases, varicose veins, varicose ulcers, general surgery, cyst, nodule, polyp, benign
-entities      : Disease:Urinary_Stones|Disease:BHP_BEP|Disease:Hernia|Disease:Hydrocele|Disease:Varicocoele|Disease:Skin_Tumour|Disease:All_Skin_Diseases|Disease:Varicose_Veins|System:Urogenital|System:Skin|System:General_Surgery
-relationships : Urinary_Stones|system|Urogenital;BHP_BEP|surgery|Prostate_Surgery;Hernia|surgery|Surgery_for_Hernia;Hydrocele|surgery|Surgery_for_Hydrocele;Varicocoele|surgery|Surgery_for_Varicocoele;Skin_Tumour|surgery|Removal_unless_malignant;Varicose_Veins|surgery|Surgery_Varicose_Veins
-text          :
-  SPECIFIC DISEASES — 12-MONTH WAITING PERIOD (NEW MEMBERS)
-  Body Systems: UROGENITAL, SKIN, GENERAL SURGERY
-
-  NOTE: Waiting periods do NOT apply to renewal members.
-  NOTE: Claims arising from ACCIDENTS are EXEMPT.
-
-  BODY SYSTEM: UROGENITAL (Urinary and Reproductive System)
-  Illness                                                     | Treatment / Surgery
-  ----------------------------------------------------------- | -----------------------------------------------
-  Stones in Urinary System (Kidney, Ureter, Urinary Bladder)  | Prostate Surgery
-  Benign Hypertrophy/Enlargement of Prostate (BHP/BEP)        | Surgery for Hydrocele, Rectocele and Hernia
-  Hernia, Hydrocele                                           | Surgery for Hydrocele, Rectocele and Hernia
-  Varicocoele / Spermatocoele                                 | Surgery for Varicocoele / Spermatocoele
-
-  BODY SYSTEM: SKIN
-  Illness                        | Treatment / Surgery
-  ------------------------------ | -----------------------------------
-  Skin Tumour (unless malignant)  | Removal of such tumour unless malignant
-  All Skin Diseases               | —
-
-  BODY SYSTEM: GENERAL SURGERY
-  Illness                                                    | Treatment / Surgery
-  ---------------------------------------------------------- | -----------------------------------------------
-  Any swelling, tumour, cyst, nodule, ulcer, polyp anywhere  | Surgery for cyst, tumour, nodule, polyp
-    in the body (unless malignant)                           |   unless malignant
-  Varicose Veins, Varicose Ulcers                            | Surgery for Varicose Veins and Varicose Ulcers
-[/CHUNK]
-
-[CHUNK]
-id            : BENEFITS_001
-section       : Covered Benefits
-subsection    : Core Coverage Summary — All Key Features
-topic_tags    : benefits, room rent single private AC, pre-hospitalization 60 days, post-hospitalization 90 days, ambulance 10000, day care all covered, no sub-limit no capping, modern treatment 100 percent, AYUSH 100 percent, co-payment zero no co-pay, lasik surgery 6.5, internal congenital, external congenital life threatening, domiciliary 3 days, organ donor, COVID covered, no consumables, no maternity, no OPD
-entities      : Benefit:Room_Rent_Single_Private_AC|Benefit:PreHosp_60Days|Benefit:PostHosp_90Days|Benefit:Ambulance_10000|Benefit:DayCare_All|Benefit:No_Sub_Limit|Benefit:Modern_Treatment_100pct|Benefit:AYUSH_100pct|Benefit:Zero_CoPay|Benefit:Lasik_6point5|Benefit:Internal_Congenital|Benefit:Domiciliary_Min3Days|Benefit:Organ_Donor|Benefit:COVID
-relationships : Base_Plan|room_entitlement|Single_Private_AC;Base_Plan|pre_hosp|60_days;Base_Plan|post_hosp|90_days;Base_Plan|ambulance_max|Rs_10000;Base_Plan|sub_limit|None;Base_Plan|modern_treatment|100pct_of_SI;Base_Plan|AYUSH|100pct_of_SI;Base_Plan|copay|Zero
-text          :
-  COVERED BENEFITS — NITDAA BASE HEALTH INSURANCE (SUMMARY TABLE)
-
-  Benefit                          | Coverage Detail
-  ---------------------------------|------------------------------------------------------------------
-  Day Care Treatment               | ALL day care procedures covered; no restricted list
-  In-patient Hospitalization       | Minimum 24 consecutive hours; medically necessary
-  Domiciliary Hospitalization      | Covered; minimum 3 consecutive days required
-  Room Rent Entitlement            | Single Private AC Room (base entitlement)
-  ICU Charges                      | Covered; NOT subject to proportionate deduction
-  Pre-Hospitalization              | 60 days prior to admission (same illness)
-  Post-Hospitalization             | 90 days after discharge (same illness)
-  Emergency Ambulance (Road)       | Maximum Rs. 10,000 per claim
-  Sub-Limits on Ailments           | NO CAPPING — no sub-limits on any ailment or treatment
-  Modern Treatments                | Covered up to 100% of Sum Insured (full list in Section 7)
-  AYUSH Treatment (In-patient)     | Covered up to 100% of Sum Insured
-  Co-Payment                       | NIL — Zero co-pay
-  Lasik Surgery                    | Covered if refractive power +/- 6.5 diopters or more
-  Internal Congenital Anomaly      | Covered
-  External Congenital Anomaly      | Covered ONLY in life-threatening cases
-  Organ Donor Expenses             | Covered up to Sum Insured (Transplantation of Human Organs Act 1994)
-  COVID-19 Treatment               | Covered
-  Consumables                      | NOT covered under Base plan
-  Maternity                        | NOT covered under Base plan
-  OPD Treatment (without hosp.)   | NOT covered
-
-  ROOM RENT PROPORTIONATE DEDUCTION RULE:
-  If admitted to a room HIGHER than Single Private AC entitlement:
-  - Associated Medical Expenses (room, nursing, OT, doctor fees) subject to proportionate deduction
-  - Pharmacy, consumables, implants, diagnostics: NOT subject to proportionate deduction
-  - ICU charges: NEVER subject to proportionate deduction
-[/CHUNK]
-
-[CHUNK]
-id            : BENEFITS_002
-section       : Covered Benefits
-subsection    : Domiciliary Hospitalization — Conditions and Excluded Illnesses
-topic_tags    : domiciliary hospitalization, home treatment, 3 consecutive days, excluded from domiciliary, asthma, hypertension, diabetes, epilepsy, arthritis, gastroenteritis, psychiatric, bronchitis, tonsillitis
-entities      : Benefit:Domiciliary|Rule:Min_3_Days|Exclusion_Domiciliary:Asthma|Exclusion_Domiciliary:Hypertension|Exclusion_Domiciliary:Diabetes|Exclusion_Domiciliary:Epilepsy|Exclusion_Domiciliary:Arthritis|Exclusion_Domiciliary:Gastroenteritis|Exclusion_Domiciliary:Psychiatric
-relationships : Domiciliary|minimum_duration|3_Consecutive_Days;Domiciliary|payment_from|Day_1_once_threshold_met;Domiciliary|excludes|Asthma;Domiciliary|excludes|Hypertension;Domiciliary|excludes|Diabetes;Domiciliary|excludes|Epilepsy;Domiciliary|excludes|Psychiatric_Disorders
-text          :
-  DOMICILIARY HOSPITALIZATION — COVERAGE AND RESTRICTIONS
-
-  ELIGIBILITY CONDITIONS (must meet at least one):
-  - Patient's condition does not allow transfer to hospital, OR
-  - Hospital bed unavailable
-  - Minimum duration: 3 CONSECUTIVE DAYS
-  - Payment from Day 1 once the 3-day threshold is met
-  - Pre-hospitalization (60 days) and Post-hospitalization (90 days) also payable
-    when domiciliary claim is accepted
-
-  CONDITIONS SPECIFICALLY EXCLUDED UNDER DOMICILIARY HOSPITALIZATION:
-  (These conditions require actual hospital admission — domiciliary claim NOT admissible)
-  - Asthma, bronchitis, tonsillitis, upper respiratory tract infections
-  - Laryngitis, pharyngitis, cough, cold, influenza
-  - Arthritis, gout, rheumatism
-  - Chronic nephritis and nephritic syndrome
-  - Diarrhea, all types of dysenteries, gastroenteritis
-  - Diabetes mellitus and insipidus
-  - Epilepsy
-  - Hypertension
-  - Psychiatric or psychosomatic disorders (all kinds)
-  - Pyrexia of unknown origin
-[/CHUNK]
-
-[CHUNK]
-id            : BENEFITS_003
-section       : Covered Benefits
-subsection    : Modern Treatments — Full List at 100% Sum Insured
-topic_tags    : modern treatment, robotic surgery, oral chemotherapy, immunotherapy monoclonal antibody, deep brain stimulation, HIFU high intensity focused ultrasound, balloon sinuplasty, intra vitreal injections, stereotactic radio surgery, bronchial thermoplasty, prostate vaporization green laser holmium, IONM intra operative neuro monitoring, stem cell therapy hematological, uterine artery embolization, 100 percent coverage
-entities      : Modern_Tx:Uterine_Artery_Embolization_HIFU|Modern_Tx:Balloon_Sinuplasty|Modern_Tx:Deep_Brain_Stimulation|Modern_Tx:Oral_Chemotherapy|Modern_Tx:Immunotherapy_Monoclonal|Modern_Tx:Intra_Vitreal|Modern_Tx:Robotic_Surgery|Modern_Tx:Stereotactic_Radio|Modern_Tx:Bronchial_Thermoplasty|Modern_Tx:Prostate_Vaporization|Modern_Tx:IONM|Modern_Tx:Stem_Cell_Hematological
-relationships : All_Modern_Treatments|covered_at|100pct_of_Sum_Insured;Robotic_Surgery|is_modern_treatment|Yes;Stem_Cell_Therapy|limited_to|Hematological_Conditions
-text          :
-  MODERN TREATMENTS COVERED — 100% OF SUM INSURED
-
-  All 12 modern treatments below are covered up to 100% of the chosen Sum Insured.
-  No sub-limit applies.
-
-  1.  Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)
-  2.  Balloon Sinuplasty
-  3.  Deep Brain Stimulation
-  4.  Oral Chemotherapy
-  5.  Immunotherapy — Monoclonal Antibody (injection form only)
-  6.  Intra Vitreal Injections
-  7.  Robotic Surgery
-  8.  Stereotactic Radio Surgeries
-  9.  Bronchial Thermoplasty
-  10. Vaporization of Prostate (Green Laser treatment or Holmium Laser treatment)
-  11. IONM — Intra Operative Neuro Monitoring
-  12. Stem Cell Therapy: Hematological conditions ONLY
-
-  NOTE: Stem cell therapy is covered ONLY for hematological conditions.
-  Stem cell therapy for all other purposes is EXCLUDED.
-[/CHUNK]
-
-[CHUNK]
-id            : EXCLUSIONS_001
-section       : Exclusions
-subsection    : Standard, Behavioural, and Circumstantial Exclusions
-topic_tags    : exclusions, not covered, obesity surgery BMI criteria, cosmetic surgery, gender change, hazardous sports professional, breach of law criminal intent, alcohol drug abuse, sterility infertility IVF, maternity childbirth, unproven treatment, investigation only, rehabilitation, health hydro spa, suicide, war nuclear
-entities      : Excl:Investigation_Only|Excl:Rest_Cure|Excl:Obesity_Surgery|Excl:Gender_Change|Excl:Cosmetic_Surgery|Excl:Hazardous_Sports_Pro|Excl:Breach_of_Law|Excl:Alcohol_Drug|Excl:Unproven_Treatment|Excl:Sterility_Infertility_IVF|Excl:Maternity|Excl:Suicide|Excl:War_Nuclear_Terror
-relationships : Policy|excludes|Investigation_Only;Policy|excludes|Cosmetic_Surgery_Non_Medical;Policy|excludes|Hazardous_Sports_Professional;Policy|excludes|Sterility_and_Infertility;Policy|excludes|Maternity;Policy|excludes|Suicide
-text          :
-  STANDARD AND BEHAVIOURAL EXCLUSIONS — NITDAA BASE HEALTH INSURANCE
-
-  STANDARD EXCLUSIONS (IRDAI mandated):
-  1. Investigation & Evaluation Only: Admissions primarily for diagnostics without active treatment
-  2. Rest Cure / Rehabilitation: Enforced bed rest; custodial care; palliative care
-  3. Obesity/Weight Control Surgery: EXCLUDED unless ALL four conditions met simultaneously:
-     - Doctor's advice + clinically supported protocols
-     - Patient 18+ years
-     - BMI >= 40, OR BMI >= 35 with severe co-morbidities (obesity cardiomyopathy, coronary
-       heart disease, severe sleep apnea, uncontrolled Type 2 Diabetes) after failure of
-       non-invasive methods
-  4. Gender Change Treatments: Any treatment to change body characteristics to opposite sex
-  5. Cosmetic/Plastic Surgery: EXCLUDED unless post-accident reconstruction, post-burns/cancer,
-     or medically necessary as certified by treating doctor
-  6. Hazardous/Adventure Sports (Professional): Para-jumping, rock climbing, mountaineering,
-     rafting, motor racing, horse racing, scuba diving, hand gliding, sky diving, deep-sea diving
-  7. Breach of Law with Criminal Intent
-  8. Alcohol, Drug, or Substance Abuse: Treatment for addiction and consequences
-  9. Health Hydros, Nature Cure Clinics, Spas, and similar establishments
-  10. Dietary Supplements (without prescription): Unless prescribed during hospitalization
-  11. Refractive Error below 7.5 diopters (Lasik covered if power >= 6.5D)
-  12. Unproven/Experimental Treatments: Lacking significant medical documentation
-  13. Sterility and Infertility: Contraception, sterilization, IVF, ZIFT, GIFT, ICSI,
-      gestational surrogacy, reversal of sterilization
-  14. Maternity Expenses: Childbirth (including complicated delivery, C-section), miscarriage
-      (unless accident), termination of pregnancy
-      EXCEPTION: Ectopic pregnancy complications covered under In-patient Hospitalization
-
-  BEHAVIOURAL EXCLUSIONS:
-  - Suicide or attempted suicide; wilfully self-inflicted injury
-  - Illegal acts committed by insured person
-  - Treatment for injury from alcohol, intoxicating substances, or non-prescribed drugs
-
-  CIRCUMSTANTIAL EXCLUSIONS:
-  - War, acts of war, nuclear/chemical/biological weapons, radioactive contamination
-  - Direct participation in terrorist acts
-[/CHUNK]
-
-[CHUNK]
-id            : EXCLUSIONS_002
-section       : Exclusions
-subsection    : Medical, Device, Treatment, and Geographical Exclusions
-topic_tags    : exclusions, OPD not covered, preventive vaccination, external congenital, stem cell excluded except hematological, dental implants, hearing aids, spectacles, contact lens, cochlear implant, CPAP, glucometer, nebulizer, prosthetics, RFQMR ECP EECP hyperbaric, cyber knife, femto laser, bioabsorbable stent, outside India geographical exclusion, treatment outside India excluded
-entities      : Excl:OPD_No_Hospitalization|Excl:Preventive_Vaccination|Excl:External_Congenital|Excl:Stem_Cell_Non_Hematological|Excl:Dental|Excl:Hearing_Aids|Excl:Spectacles_Contact_Lens|Excl:Cochlear_Implant|Excl:CPAP_Glucometer|Excl:RFQMR_ECP_EECP|Excl:Hyperbaric_Oxygen|Excl:Cyber_Knife|Excl:Bioabsorbable_Stent|Excl:Treatment_Outside_India
-relationships : Policy|excludes|OPD_Without_Hospitalization;Policy|excludes|Preventive_Vaccination_Except_Post_Bite;Policy|excludes|External_Congenital_Except_Life_Threatening;Policy|excludes|Stem_Cell_Except_Hematological;Policy|excludes|All_Treatment_Outside_India
-text          :
-  MEDICAL, DEVICE, TREATMENT, AND GEOGRAPHICAL EXCLUSIONS
-
-  MEDICAL EXCLUSIONS:
-  - Routine examinations and preventive health check-ups
-  - Circumcision (unless medically required for illness/injury)
-  - OPD Treatment without hospitalization (no OPD benefit in Base plan)
-  - Preventive care, vaccinations/inoculations (EXCEPT post-bite treatment)
-  - Psychiatric/psychological examinations without hospitalization
-  - Nutritional/electrolyte supplements (unless certified consequence of covered claim)
-  - External Congenital Anomalies (EXCEPT life-threatening cases)
-  - Stem Cell Therapy (EXCEPT hematopoietic stem cells for bone marrow transplant
-    for hematological conditions)
-  - Growth Hormone Therapy or Hormone Replacement Therapy
-  - Dentures, implants, artificial teeth
-  - Health check-ups for employment/travel/certification purposes
-
-  PROSTHETICS AND DEVICE EXCLUSIONS:
-  - Hearing aids, spectacles, contact lenses, multifocal lenses, optometric therapy
-  - Wigs and toupees; wheelchairs; crutches
-  - Nebulizers, oxygen concentrators for asthma/COPD conditions
-  - Glucometers, ambulatory blood pressure/blood sugar monitors
-  - CPAP/BIPAP devices for sleep apnea
-  - External prosthetics, corrective devices, and artificial limbs
-  - Cochlear implants (EXCEPT if caused by Accident)
-
-  SPECIFIC TREATMENT EXCLUSIONS:
-  - RFQMR, ECP, EECP, Hyperbaric Oxygen Therapy, KTP Laser Surgeries
-  - Cyber Knife treatment, Femto Laser Surgeries
-  - Bioabsorbable stents, bioabsorbable valves, bioabsorbable implants
-  - RF probe ablation
-
-  GEOGRAPHICAL EXCLUSION:
-  - All treatment taken OUTSIDE INDIA is EXCLUDED under this Base policy
-  - This applies without exception; there is no overseas coverage benefit in this plan
-[/CHUNK]
-
-[CHUNK]
-id            : ENROLLMENT_001
-section       : Enrollment Process
-subsection    : How to Enroll, Portal, Verification, Rules
-topic_tags    : enrollment, how to enroll, NITDAA portal, digital enrollment, alumni verification, no medical test, enrollment window 08 June 30 June, exit not allowed, rejoin not allowed, medical records not required, nitdaa.org
-entities      : Process:Digital_Enrollment|Portal:NITDAA_Portal|Rule:No_Medical_Test|Rule:Cannot_Exit_and_Rejoin|Window:08Jun_to_30Jun_2026|Rule:Alumni_Verified_by_NITDAA
-relationships : Enrollment|process|Digital_Only;Enrollment|portal|NITDAA_Portal;Medical_Test|required|No;Exit_and_Rejoin|allowed|No;Alumni_Status|verified_by|NITDAA;Base_Policy_Window|dates|08Jun_to_30Jun_2026
-text          :
-  ENROLLMENT PROCESS — NITDAA BASE HEALTH INSURANCE
-
-  HOW TO ENROLL:
-  - Completely end-to-end digital; no paperwork or physical visits required
-  - Through the NITDAA web portal only (exclusive to NITD alumni)
-  - Portal URL: https://www.nitdaa.org/external_insurance.dz
-  - All portal users are verified alumni — registration enabled only through NITDAA portal
-  - Alumni status verified by NITDAA
-
-  ENROLLMENT WINDOW 2026:
-  - Base Policy : 08 June 2026 to 30 June 2026
-  - Payment Gateway Opens : 10th June 2026
-    (Enrollment portal opens 08 June; actual payment processing begins 10 June 2026)
-
-  PRE-ENROLLMENT REQUIREMENTS:
-  - Medical check-up/tests    : NOT required
-  - Medical records           : NOT required at enrollment
-  - PED declaration           : NOT required; all PEDs accepted with 1-year wait by default
-  - No negative list          : Members with ALL pre-existing conditions are allowed to enroll
-
-  IMPORTANT RULES:
-  - Alumni can enroll ONLY during the open enrollment window (not any time of year)
-  - Cannot exit the plan and rejoin later — rejoining means entering as new member with
-    fresh waiting periods and loss of all accumulated renewal benefits
-  - Early enrollment strongly recommended: PED wait period begins from enrollment date;
-    delay by 1 year = PED waiver available 1 year later
-
-  ALUMNI STATUS:
-  - NITDAA verifies alumni status
-  - Certain programs without regular alumni status but with portal access may also enroll
-
-  CANNOT PARTICIPATE:
-  - Siblings, friends, relatives — exclusive plan for alumni and eligible family members only
-  - Cannot pay directly to insurer to get this plan (only through NITDAA portal)
-[/CHUNK]
-
-[CHUNK]
-id            : PREMIUM_001
-section       : Premium and Payment
-subsection    : Amount, Tax Benefit, Payment Flow, Group Pricing
-topic_tags    : premium, annual, section 80D tax deduction, payment via Zopper Solvy Tech, receipt from insurer, group rate, age band, premium increase, city neutral, oldest member age, claims ratio, no individual loading, no monthly option, no registration fee
-entities      : Premium:Annual_Frequency|Tax:Section_80D|PayFlow:Via_Solvy_Tech_Zopper|Receipt:From_Insurer|Rate:Based_on_Oldest_Member|Rate:Group_Claims_Ratio|Rate:City_Neutral
-relationships : Premium|frequency|Annual_Only;Premium|tax|Section_80D;Receipt|issued_by|Insurance_Company;Payment|collected_by|Solvy_Tech_Zopper;Rate|based_on|Oldest_Family_Member_Age;Rate_Change|basis|Group_Claims_Ratio;Premium|city_variation|None
-text          :
-  PREMIUM AND PAYMENT — NITDAA BASE HEALTH INSURANCE
-
-  PAYMENT FREQUENCY: Annual only (no monthly, quarterly, or half-yearly option)
-
-  TAX BENEFIT: Premiums eligible for Section 80D income tax deduction
-
-  PAYMENT FLOW:
-  1. Member pays via NITDAA portal
-  2. Collected by Solvy Tech Solutions (Zopper) on behalf of NITDAA
-  3. Zopper transfers to Aditya Birla Health Insurance for policy issuance
-  4. Receipt issued by Insurance Company (NOT by NITDAA)
-
-  PREMIUM DETERMINATION:
-  - Rate is determined by age of the OLDEST member in the family unit covered
-  - Flat rate across all cities and tiers (Tier 1, Tier 2, Tier 3 — all same premium)
-  - No individual loading: your personal claims history does NOT affect your premium
-  - Premium change (increase/decrease) applies to the entire group by age band
-
-  PREMIUM CHANGES AT RENEWAL:
-  - Based on the entire group's claims ratio (not individual performance)
-  - Expected rise: depends on group claims ratio for that year
-  - If you do not renew due to premium increase: all accumulated benefits lost permanently
-
-  WHERE TO CHECK PREMIUM:
-  - Log in to NITDAA Alumni portal
-  - Email: nitdaahealthplan@zopper.com
-  - Call Satyam Mishra: 8130301854
-
-  REGISTRATION FEE: No registration fee charged by NITDAA on this group policy.
-[/CHUNK]
-
-[CHUNK]
-id            : RENEWALS_001
-section       : Renewals and Continuity
-subsection    : Renewal Benefits, Grace Period, Moratorium, Underwriting
-topic_tags    : renewal, renewal benefits, grace period 30 days, moratorium 60 months, no fresh underwriting, no loading individual claims, lifelong renewability, premium modification 3 months notice, renewal not denied for claims, product withdrawal 90 days
-entities      : Renewal:Zero_Wait|GracePeriod:30Days|Moratorium:60_Months|Rule:No_Individual_Loading|Rule:No_Fresh_Underwriting|Rule:Renewal_Not_Denied_for_Claims|Rule:Product_Withdrawal_90Days
-relationships : Renewal|waives|All_Waiting_Periods;Grace_Period|duration|30_Days_Annual;Moratorium|duration|60_Continuous_Months;Renewal|denied_for_claims|No;Fresh_Underwriting_at_Renewal|required|No;Individual_Claims|affects_premium|No;Premium_Change|notice|3_Months
-text          :
-  RENEWALS AND CONTINUITY — NITDAA BASE HEALTH INSURANCE
-
-  BENEFITS OF CONTINUOUS RENEWAL:
-  - Zero waiting periods: initial 30-day, specific disease 12-month, and PED 12-month all WAIVED
-  - Full coverage from Day 1 of each renewal year
-  - Accumulated continuity credits count toward 60-month moratorium period
-  - No fresh medical underwriting required at renewal
-  - No loading applied based on individual claims history
-
-  GRACE PERIOD FOR RENEWAL:
-  - 30 days for annual/half-yearly/quarterly payment modes
-  - 15 days for monthly payment mode
-  - Coverage is NOT available during grace period
-  - Renewing within grace period preserves ALL accrued continuity benefits
-
-  MORATORIUM PERIOD:
-  - After 60 continuous months of coverage, policy is NOT contestable by insurer on grounds
-    of non-disclosure or misrepresentation
-  - Exception: Established fraud is ALWAYS contestable regardless of moratorium
-  - Original Sum Insured: 60-month clock applies from first enrollment
-  - Enhanced Sum Insured (increase at renewal): own separate 60-month clock begins
-
-  RENEWAL RULES (IRDAI):
-  - Renewal CANNOT be denied because the insured made claims in prior years
-  - No premium loading based on individual claims experience
-  - Fresh underwriting only if Sum Insured is increased; applies only to incremental SI
-  - Insurer must notify 3 months before modifying premium rates or terms
-
-  PRODUCT WITHDRAWAL:
-  - If product is withdrawn, insurer notifies insured 90 days before policy expiry
-  - Insured can migrate to similar Aditya Birla (ABHI) product with all accrued continuity benefits
-[/CHUNK]
-
-[CHUNK]
-id            : ALUMNI_DEATH_001
-section       : Alumni Death — Policy Continuation
-subsection    : Coverage After Alumni's Demise and Associate Member Status
-topic_tags    : alumni death, policy after death, family coverage continuation, surviving spouse, associate member, medical insurance continuity, renewal after death, NITDAA portal access, both spouses alumni, surviving alumni spouse renewal
-entities      : Event:Alumni_Death|Coverage:Family_Current_Year|Status:Associate_Member_for_Insurance_Only|Process:NITDAA_Team_Portal_Access|Rule:No_Other_Alumni_Benefits_for_Surviving_Spouse
-relationships : Alumni_Death|family_covered_until|Next_Renewal;After_Next_Renewal|surviving_spouse_inducted_as|Associate_Member;Associate_Member|benefits|Medical_Insurance_Continuity_Only;Associate_Member|NOT_entitled_to|Other_Alumni_Access_or_Benefits;Surviving_Alumni_Spouse|can_renew|Own_Alumni_Status
-text          :
-  POLICY CONTINUATION AFTER ALUMNI'S DEATH
-
-  CURRENT POLICY YEAR:
-  - Family remains FULLY COVERED until the next renewal date
-  - No interruption in coverage for the current policy year
-
-  FOR SUBSEQUENT RENEWALS (after next renewal):
-  - Surviving spouse and family members MUST contact NITDAA Alumni team to request portal access
-  - NITDAA team facilitates enrollment window access for the family
-
-  ASSOCIATE MEMBER STATUS (Important — 2026 Policy):
-  - The surviving spouse will be inducted as an ASSOCIATE MEMBER
-  - Associate Member status is granted ONLY for Medical Insurance continuity purposes
-  - This Associate Member status does NOT carry any other access or benefits of Alumni membership
-  - Associate membership is not equivalent to full alumni membership
-
-  IF BOTH SPOUSES ARE NITD ALUMNI:
-  - The surviving spouse can renew the policy independently on their own alumni status
-  - Survivor joins the plan as an alumni in their own right
-  - No Associate Member status needed — they already hold full alumni credentials
-
-  COVERAGE AGES STILL APPLY:
-  - Lifelong renewability for all members who enrolled before age 85
-  - All existing members retain their coverage continuity
-[/CHUNK]
-
-[CHUNK]
-id            : CLAIMS_001
-section       : Claims Process
-subsection    : Claim Types, Timelines, and Document Requirements
-topic_tags    : claims, cashless, reimbursement, 72 hours planned pre-auth, 24 hours emergency, 48 hours reimbursement notice, 30 days documents, claim settlement 30 days, 45 days investigation, penal interest 2 percent RBI, ABHI in-house, documents list, discharge card, hospital bill, pharmacy bills, MLC FIR
-entities      : Process:Cashless_Planned_72hrs|Process:Cashless_Emergency_24hrs|Process:Reimbursement_48hrs|Timeline:Documents_30Days|Timeline:Settlement_30Days|Timeline:Investigation_45Days|PenalInterest:2pct_above_RBI
-relationships : Cashless_Planned|pre_auth|72_hours_before;Cashless_Emergency|intimate|within_24_hours;Reimbursement|notice|within_48_hours_or_before_discharge;All_Claims|documents|within_30_days_discharge;Normal_Settlement|within|30_days;Investigation_Settlement|within|45_days
-text          :
-  CLAIMS PROCESS — NITDAA BASE HEALTH INSURANCE
-
-  CLAIM SERVICING: In-house by Aditya Birla Health Insurance (ABHI) — no separate TPA
-
-  TWO MODES OF CLAIM:
-  1. CASHLESS: Available at ABHI Network Hospitals only
-     - Insurer pays the hospital directly; no out-of-pocket payment at hospital
-  2. REIMBURSEMENT: Any hospital (network or non-network)
-     - Member pays the hospital; submits documents to ABHI for reimbursement
-
-  INTIMATION TIMELINES:
-  Cashless (Planned Treatment)    : Pre-authorise at LEAST 72 HOURS before admission
-  Cashless (Emergency)            : Intimate insurer within 24 HOURS of hospitalization
-  Reimbursement                   : Written notice within 48 HOURS of admission OR before
-                                    discharge (whichever earlier)
-  Document Submission             : Within 30 DAYS of discharge from hospital
-  Pre/Post-Hospitalization Claims : Within 30 days of completion of post-hospitalization treatment
-
-  DOCUMENTS REQUIRED FOR REIMBURSEMENT:
-  1.  Completed claim form
-  2.  Photo ID, Age proof, and KYC documents
-  3.  Health card and policy copy
-  4.  Original discharge card / day care summary / transfer summary
-  5.  Original final hospital bill with all deposit and payment receipts
-  6.  Original invoices + implant stickers (lens sticker for cataract; stent invoice for angioplasty)
-  7.  All previous consultation papers (history and treatment for current ailment)
-  8.  All original diagnostic reports with doctor's prescription and bills
-  9.  All original pharmacy/medicine bills with treating doctor's prescriptions
-  10. MLC/FIR copy (ACCIDENT cases only)
-  11. Death summary and death certificate (DEATH claims only)
-  12. Indoor case papers with nursing sheet (if available)
-
-  CLAIM SETTLEMENT TIMELINES (IRDAI mandated):
-  - Normal settlement   : 30 days from receipt of all documents
-  - Investigation cases : 45 days from receipt of all documents
-  - Delay beyond mandated timeline: Penal interest at 2% ABOVE RBI Bank Rate
-
-  DIAGNOSIS OUTSIDE INDIA, TREATMENT IN INDIA:
-  - If condition is diagnosed outside India but hospitalization/treatment is within India:
-    CLAIM IS ADMISSIBLE
-
-  ZOPPER SUPPORT: nitdaahealthplan@zopper.com
-  ABHI DIRECT:    WhatsApp 8368742074 | Toll Free 1800 270 7000
-  NETWORK HOSPITALS: https://www.adityabirlacapital.com/healthinsurance/locate-care/hospital-listing
-[/CHUNK]
-
-[CHUNK]
-id            : CLAIMS_002
-section       : Claims Process
-subsection    : Multiple Policy Coordination and Cashless Pre-Authorization
-topic_tags    : multiple policies, coordination of benefits, primary insurer, employer insurance NITDAA, works alongside, pre-authorization, authorization letter 1 hour, 15 day validity, network hospital cashless TPA desk, secondary claim contribution
-entities      : Process:Multiple_Policy_Coordination|Role:Primary_Insurer_Chosen_by_Insured|Rule:Works_with_Employer_Insurance|Rule:Works_with_Retail_Insurance|Process:Pre_Auth_Letter_1Hour|Pre_Auth:Valid_15Days
-relationships : NITDAA_Plan|works_with|Employer_Group_Insurance;NITDAA_Plan|works_with|Individual_Retail_Insurance;Primary_Insurer|chosen_by|Insured;Pre_Auth_Letter|issued_within|1_hour;Pre_Auth|valid_for|15_days
-text          :
-  MULTIPLE POLICIES AND CASHLESS PRE-AUTHORIZATION
-
-  USING ALONGSIDE OTHER POLICIES:
-  - Works TOGETHER with employer-provided group health insurance
-  - Works TOGETHER with individually purchased retail health insurance plans
-  - This is an ADDITIONAL health insurance (not a replacement for existing policies)
-
-  MULTIPLE POLICY RULES (IRDAI):
-  - Insured can choose any one policy as the PRIMARY insurer for any claim
-  - Primary insurer settles claim within its policy limits and terms
-  - Remaining unsettled amount can be claimed from secondary/other policies
-  - If claim exceeds one policy's SI, primary insurer coordinates with other insurers
-  - Under indemnity: insured will be indemnified only for actual costs (no double recovery)
-
-  ADDITIONAL DOCUMENTS FOR SECONDARY/CONTRIBUTION CLAIMS:
-  - Photocopy of complete claim documents attested by primary insurer or TPA
-  - Original payment receipts for expenses not settled by primary insurer
-  - Discharge voucher or settlement letter from primary insurer
-
-  CASHLESS PRE-AUTHORIZATION — PLANNED TREATMENT:
-  - Contact ABHI at least 72 hours before proposed admission through hospital TPA desk
-  - Required: health card, KYC docs, policy number, patient details, illness, treating doctor,
-    hospital name, proposed admission date
-  - Authorization letter issued within 1 HOUR of receiving complete information
-  - Pre-authorization valid for 15 days from authorization date
-
-  CASHLESS PRE-AUTHORIZATION — EMERGENCY:
-  - Intimate within 24 hours of hospitalization
-  - Same documentation as planned treatment
-  - Authorization letter issued within 1 hour of complete information
-[/CHUNK]
-
-[CHUNK]
-id            : TERMS_001
-section       : Policy Terms and Conditions
-subsection    : Cancellation, Free Look Period, Fraud, Misrepresentation
-topic_tags    : cancellation 7 days, proportionate refund, no refund after claim, free look 30 days, fraud forfeiture, misrepresentation void policy, material fact non-disclosure, policy terms modification, IRDAI renewal rules
-entities      : Term:Cancellation_7Days_Notice|Term:Proportionate_Refund|Term:No_Refund_After_Claim|Term:Free_Look_30Days|Term:Fraud_Forfeits_Benefits|Term:Misrepresentation_Voids_Policy
-relationships : Cancellation_by_Member|notice|7_days;Refund|basis|Proportionate_Unexpired;Refund|not_available_if|Claim_Admitted;Free_Look|duration|30_days;Fraud|consequence|All_Benefits_Forfeited;Misrepresentation|consequence|Policy_Void
-text          :
-  POLICY TERMS AND CONDITIONS
-
-  CANCELLATION BY POLICYHOLDER:
-  - Written notice of 7 days required
-  - Refund: proportionate premium for unexpired policy period (annual frequency only)
-  - No refund if any claim has been admitted or benefit availed
-  - No refund for half-yearly, quarterly, or monthly premium frequencies
-
-  CANCELLATION BY INSURER:
-  - Can cancel on: misrepresentation, non-disclosure of material facts, fraud
-  - Minimum 15 days written notice given to insured
-  - No premium refund on cancellation for fraud/misrepresentation/non-disclosure
-
-  FREE LOOK PERIOD:
-  - 30 days from date of policy document receipt (electronic or physical)
-  - Applicable to new individual policies ONLY
-  - Not applicable at renewal, porting, or migration
-  - Full refund if no claim made; deduct medical examination costs, stamp duty,
-    proportionate risk premium
-
-  FRAUD AND MISREPRESENTATION:
-  - Policy void and all premiums forfeited for misrepresentation, mis-description,
-    or non-disclosure of material facts
-  - All benefits forfeited if fraudulent means used to obtain a claim
-  - Fraudulent claim amounts already paid must be repaid to insurer
-
-  TERMS MODIFICATION:
-  - Insurer may revise policy terms and premiums with prior committee approval
-  - Insured persons notified 3 months before changes take effect
-[/CHUNK]
-
-[CHUNK]
-id            : LIFESTAGE_001
-section       : Life Stage Evaluation Guide
-subsection    : Age 22-30 and Age 30-45 — Base Policy Recommendations
-topic_tags    : life stage, age 22-30, low risk, employer cover, base policy optional, age 30-45, medium high risk, parents retired no health cover, base policy consider, job insecure, employer cover not portable, one fine dining meal
-entities      : Age:22_30|Risk:Low|Rec_Base:Not_Mandatory|Age:30_45|Risk:Medium_High|Rec_Base:Consider_Strongly
-relationships : Age_22_30|risk_level|Low;Age_22_30|base_recommendation|Consider_if_Job_Insecure_or_Parents_Need;Age_30_45|risk_level|Medium_to_High;Age_30_45|base_recommendation|Consider_Strongly
-text          :
-  LIFE STAGE EVALUATION — BASE POLICY (AGE 22–45)
-
-  AGE 22–30 | Risk Level: LOW
-  Typical Profile:
-  - Start of career; employer provides health cover (approx. Rs. 5-10 Lakhs)
-  - One or both parents still employed with employer health cover
-  - No dependents or just married; generally healthy
-
-  Base Policy (3L/5L): NOT AN IMMEDIATE MUST
-  Consider if any of these apply:
-  - Going entrepreneurial or job-insecure (employer cover will lapse)
-  - Parents or in-laws need health cover and cannot get retail insurance
-  - Any other special situation requiring personal health cover
-  Key advantage of enrolling now even if not immediately needed:
-  - PED waiting period starts from enrollment; Year 2 renewal = zero wait
-
-  -----------------------------------------------------------------------
-
-  AGE 30–45 | Risk Level: MEDIUM TO HIGH
-  Typical Profile:
-  - High growth, high-stress work; increasing job insecurities
-  - Married with children; rising financial demands
-  - Parents and in-laws likely retired — NO health cover from any employer
-  - Parents/in-laws cannot buy retail policy due to age or pre-existing conditions
-  - Beginning health episodes for self, parents, or in-laws
-
-  Base Policy (3L/5L): STRONGLY CONSIDER
-  Key reasons:
-  - Employer cover is risky — not portable across job changes
-  - This plan is often the ONLY accessible route for elderly parents and in-laws
-  - Very affordable at this income level
-  - Year 2 onwards: full PED waiver for all accumulated conditions
-[/CHUNK]
-
-[CHUNK]
-id            : LIFESTAGE_002
-section       : Life Stage Evaluation Guide
-subsection    : Age 45-60 and Age 60+ — Base Policy Recommendations
-topic_tags    : life stage, age 45-60, high risk, employer cover unreliable, age 60 plus, very high risk, retired, retail market unavailable, base policy recommended, retirement savings, financially independent, pre-existing conditions retail denied
-entities      : Age:45_60|Risk:High|Rec_Base:Recommended|Age:60_Plus|Risk:Very_High|Rec_Base:Strongly_Recommended
-relationships : Age_45_60|risk_level|High;Age_45_60|employer_cover|Unreliable_From_This_Stage;Age_60_Plus|risk_level|Very_High;Retail_Market|accessible_for_60Plus|No_due_to_PED_Age
-text          :
-  LIFE STAGE EVALUATION — BASE POLICY (AGE 45+)
-
-  AGE 45–60 | Risk Level: HIGH
-  Typical Profile:
-  - Peak work-related insecurities; high financial demands
-  - Children's education and increasing responsibilities
-  - Parents and in-laws dependent with growing health risks
-  - Consolidating personal finances; building retirement corpus
-
-  Base Policy (3L/5L): RECOMMENDED
-  Key reasons:
-  - Employer cover is not fully reliable from this stage onwards
-  - Job transitions or early retirement = immediate loss of employer cover
-  - This plan provides a portable, personal insurance base
-  - Continuity benefits built from this stage ensure PED waiver from Year 2
-
-  -----------------------------------------------------------------------
-
-  AGE 60+ | Risk Level: VERY HIGH
-  Typical Profile:
-  - Likely retired or working independently
-  - Need to remain financially independent
-  - Increasing potential health risks and existing conditions
-  - Retail market is practically inaccessible:
-    → Very high premiums with many conditions
-    → High wait periods on pre-existing diseases
-    → High claim refusal risk
-    → Age-based denial common
-
-  Base Policy (3L/5L): STRONGLY RECOMMENDED
-  Key reasons:
-  - This plan accepts ALL pre-existing conditions (12-month wait for new members)
-  - No medical tests required — retail always requires tests
-  - Protects savings from being eroded by medical expenses
-  - Entry up to age 85; lifelong renewability once enrolled
-  - Having this policy from this stage prevents complete dependence on savings or family
-[/CHUNK]
-
-[CHUNK]
-id            : CONTACTS_001
-section       : Contacts and Support
-subsection    : Zopper Support Matrix and ABHI Direct Contacts
-topic_tags    : contact, Zopper support, phone number, product support, claims support, endorsement support, Satyam Mishra 8130301854, Pradeep Kumar 9319640944, Hrithik Khatana 8800902249, Sujit Shekhar 8860746253, Mohit Sachwani 6362568835, Boudhaayan Paul 7032220850, ABHI 1800 270 7000, WhatsApp 8368742074, nitdaahealthplan zopper
-entities      : Contact:Satyam_Mishra_8130301854|Contact:Pradeep_Kumar_9319640944|Contact:Hrithik_Khatana_8800902249|Contact:Sujit_Shekhar_8860746253|Contact:Mohit_Sachwani_6362568835|Contact:Boudhaayan_Paul_7032220850|Contact:ABHI_1800_270_7000|Contact:ABHI_WhatsApp_8368742074
-relationships : Satyam_Mishra|level|L1;Satyam_Mishra|support_type|Product_Enrolment;Pradeep_Kumar|level|L1;Pradeep_Kumar|support_type|Claims;Hrithik_Khatana|level|L2;Sujit_Shekhar|level|L2;Sujit_Shekhar|support_type|Claims_Endorsement;Mohit_Sachwani|level|L3;Boudhaayan_Paul|level|L4
-text          :
-  CONTACTS AND SUPPORT — NITDAA HEALTH PLAN
-
-  ZOPPER INSURANCE BROKERS — NITDAA PLAN SUPPORT:
-  General Email: nitdaahealthplan@zopper.com
-
-  Level | Name               | Mobile       | Support Type
-  ------|--------------------|--------------|------------------------------------------
-  L1    | Satyam Mishra      | 8130301854   | Product / Enrolment Support
-  L1    | Pradeep Kumar      | 9319640944   | Claims Support
-  L2    | Hrithik Khatana    | 8800902249   | Product / Enrolment Support
-  L2    | Sujit Shekhar      | 8860746253   | Claims / Endorsement Support
-  L3    | Mohit Sachwani     | 6362568835   | Product / Endorsement Support
-  L4    | Boudhaayan Paul    | 7032220850   | Product / Claims / Endorsement Support
-
-  ADITYA BIRLA HEALTH INSURANCE (ABHI) DIRECT:
-  WhatsApp         : 8368742074
-  Claims Email     : abhicl.claim@adityabirlacapital.com
-  Toll Free        : 1800 270 7000
-  General Email    : care.healthinsurance@adityabirlacapital.com
-  Website          : www.adityabirlacapital.com/healthinsurance
-  Senior Citizens  : seniorcitizen.abh@adityabirla.com
-  Registered Office: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound,
-                     841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013
-
-  NETWORK HOSPITALS:
-  https://www.adityabirlacapital.com/healthinsurance/locate-care/hospital-listing
-
-  DISCLAIMER: NIT Durgapur (Master Policyholder) is NOT responsible for settlement of claims.
-  All claims settled exclusively by Aditya Birla Health Insurance Co. Ltd.
-[/CHUNK]
-
-[CHUNK]
-id            : GRIEVANCE_001
-section       : Grievance Redressal
-subsection    : Escalation Levels — ABHI, Ombudsman, IRDAI IGMS
-topic_tags    : grievance, complaint, escalation, ombudsman, IRDAI IGMS, insurance ombudsman rules 2017, ABHI customer care, 1800 270 7000, dispute resolution, legal jurisdiction India, penal interest
-entities      : Process:Level1_ABHI|Process:Level2_Insurance_Ombudsman|Process:Level3_IRDAI_IGMS|Legal:Indian_Courts_Jurisdiction
-relationships : Grievance|first_to|ABHI_Customer_Care;Unresolved|escalate_to|Insurance_Ombudsman;Unresolved|escalate_to|IRDAI_IGMS;Legal_Dispute|jurisdiction|Indian_Courts
-text          :
-  GRIEVANCE REDRESSAL — NITDAA BASE HEALTH INSURANCE
-
-  LEVEL 1 — Aditya Birla Health Insurance (ABHI):
-  Email     : care.healthinsurance@adityabirlacapital.com
-  Toll Free : 1800 270 7000
-  Website   : www.adityabirlacapital.com/healthinsurance
-  Branch    : Any ABHI branch office
-  Senior Citizens: seniorcitizen.abh@adityabirla.com
-
-  LEVEL 2 — Insurance Ombudsman:
-  - If not satisfied with ABHI's resolution
-  - Governed by Insurance Ombudsman Rules 2017
-  - Contact details available on ABHI website (Annexure I of policy document)
-
-  LEVEL 3 — IRDAI Integrated Grievance Management System:
-  URL: https://igms.irda.gov.in/
-
-  LEGAL DISPUTES:
-  - Interpretation of policy terms governed by INDIAN LAW
-  - Subject to jurisdiction of INDIAN COURTS
-
-  CLAIM SETTLEMENT PENAL INTEREST:
-  - Delay beyond 30 days (normal) or 45 days (investigation):
-    Penal interest at 2% ABOVE RBI Bank Rate from date of last document receipt
-[/CHUNK]
-
-[CHUNK]
-id            : DEFINITIONS_001
-section       : Key Policy Definitions
-subsection    : Core Terms — PED, Hospitalization, Day Care, Domiciliary, Room Rent, Grace Period
-topic_tags    : definitions, pre-existing disease PED 36 months, hospitalization 24 hours, day care less than 24 hours, domiciliary hospitalization, room rent single private, grace period 30 days, cashless facility, co-payment zero, reasonable customary charges, medically necessary treatment, network provider
-entities      : Def:PED_36months|Def:Hospitalization_24hrs|Def:DayCare_under24hrs|Def:Domiciliary|Def:SinglePrivateRoom|Def:GracePeriod_30days|Def:Cashless|Def:CoPay_Zero|Def:ReasonableCustomaryCharges|Def:MedicallyNecessaryTreatment
-relationships : PED|diagnosis_window|36_months;Hospitalization|minimum|24_hours;DayCare|duration|Under_24_hours;Grace_Period|duration|30_days_annual;CoPay|amount|Zero_in_Base;Network_Provider|enables|Cashless_Facility
-text          :
-  KEY POLICY DEFINITIONS
-
-  PRE-EXISTING DISEASE (PED):
-    Any condition, ailment, injury, or disease:
-    (a) Diagnosed by a physician within 36 months PRIOR to policy commencement, OR
-    (b) For which medical advice/treatment was recommended or received within 36 months prior
-    (Declaration NOT required; all PEDs accepted; 12-month wait for new members)
-
-  HOSPITALIZATION:
-    Admission in a Hospital for MINIMUM 24 consecutive in-patient care hours,
-    EXCEPT for specified day care procedures.
-
-  DAY CARE TREATMENT:
-    Medical treatment or surgical procedure under general/local anaesthesia in less than 24 hours,
-    which would otherwise require 24+ hour hospitalization.
-    OPD treatment NOT included.
-
-  DOMICILIARY HOSPITALIZATION:
-    Medical treatment for illness requiring hospital care but taken at home because:
-    (i) Patient cannot be moved to hospital, OR (ii) No hospital bed available.
-    Minimum: 3 consecutive days.
-
-  SINGLE PRIVATE ROOM:
-    Basic (cheapest) single-patient room with attached toilet.
-    This is the Base plan's room rent entitlement.
-
-  REASONABLE AND CUSTOMARY CHARGES:
-    Standard charges for that provider in that locality for identical/similar services.
-    Actual charges must not exceed what would be charged if the person were uninsured.
-
-  MEDICALLY NECESSARY TREATMENT:
-    Treatment that: (i) Is required for medical management; (ii) Does not exceed level of care
-    needed; (iii) Is prescribed by a Medical Practitioner; (iv) Conforms to accepted professional
-    standards in India or internationally.
-
-  CO-PAYMENT:
-    Specified % of admissible claim borne by policyholder. Amount: ZERO in NITDAA Base plan.
-
-  GRACE PERIOD:
-    30 days (annual/quarterly/half-yearly) or 15 days (monthly) after premium due date.
-    Renewal within grace period preserves all continuity benefits.
-    Coverage is NOT available during the grace period.
-
-  NETWORK PROVIDER:
-    Hospital enlisted by ABHI for cashless treatment.
-    List: https://www.adityabirlacapital.com/healthinsurance/locate-care/hospital-listing
-[/CHUNK]
-
-[CHUNK]
-id            : DEFINITIONS_002
-section       : Key Policy Definitions
-subsection    : Critical Illness Definitions with Diagnostic Criteria
-topic_tags    : critical illness definition, cancer specified severity, myocardial infarction heart attack ECG troponin, CABG bypass sternotomy, coma 96 hours life support, kidney failure dialysis, stroke 3 months deficit, organ transplant, paralysis 2 limbs 3 months, motor neuron ALS, multiple sclerosis 6 months, angioplasty 50 percent blockage, benign brain tumour 90 days
-entities      : CI_Def:Cancer|CI_Def:Myocardial_Infarction|CI_Def:CABG|CI_Def:Heart_Valve|CI_Def:Coma_96hrs|CI_Def:Kidney_Failure|CI_Def:Stroke_3months|CI_Def:Organ_Transplant|CI_Def:Paralysis_2limbs|CI_Def:Motor_Neuron|CI_Def:Multiple_Sclerosis_6months|CI_Def:Angioplasty_50pct|CI_Def:Benign_Brain_Tumour
-relationships : Coma|requires_no_response|96_consecutive_hours;Stroke|requires_permanent_deficit|3_months;Paralysis|requires|2_limbs_AND_3_months;Multiple_Sclerosis|requires_impairment|6_months;Angioplasty|requires_blockage|50_percent_major_coronary
-text          :
-  CRITICAL ILLNESS DEFINITIONS — KEY DIAGNOSTIC CRITERIA
-
-  1. CANCER OF SPECIFIED SEVERITY
-     Malignant tumour with uncontrolled growth; histological evidence required.
-     EXCLUDED: Carcinoma in situ; benign/pre-malignant; non-melanoma skin without metastasis;
-     Prostate Gleason <= 6; Thyroid T1N0M0; CLL < RAI stage 3.
-
-  2. MYOCARDIAL INFARCTION (First Heart Attack)
-     Must have ALL three: (i) Typical clinical symptoms; (ii) New characteristic ECG changes;
-     (iii) Elevation of infarction enzymes, Troponins, or specific biochemical markers.
-     EXCLUDED: Other acute coronary syndromes; angina pectoris.
-
-  3. OPEN CHEST CABG
-     Coronary artery bypass via sternotomy or minimally invasive keyhole.
-     Supported by coronary angiography. EXCLUDED: Angioplasty, intra-arterial procedures.
-
-  4. OPEN HEART REPLACEMENT/REPAIR OF HEART VALVES
-     Actual open-heart surgery; catheter-based/balloon valvotomy excluded.
-
-  5. COMA OF SPECIFIED SEVERITY
-     No response to external stimuli for >= 96 CONSECUTIVE HOURS; life support necessary;
-     permanent neurological deficit assessed at least 30 days after onset.
-     EXCLUDED: Coma from alcohol or drug abuse.
-
-  6. KIDNEY FAILURE REQUIRING REGULAR DIALYSIS
-     End-stage renal disease requiring regular haemodialysis/peritoneal dialysis or renal transplant.
-
-  7. STROKE RESULTING IN PERMANENT SYMPTOMS
-     Cerebrovascular incident with permanent neurological deficit for >= 3 MONTHS.
-     Confirmed by CT/MRI. EXCLUDED: TIA; traumatic brain injury.
-
-  8. MAJOR ORGAN / BONE MARROW TRANSPLANT
-     Transplant of: heart, lung, liver, kidney, or pancreas (end-stage failure), OR
-     bone marrow using haematopoietic stem cells.
-
-  9. PERMANENT PARALYSIS OF LIMBS
-     Total and irreversible loss of use of 2 or more limbs.
-     Must be present for MORE THAN 3 MONTHS.
-
-  10. MOTOR NEURON DISEASE WITH PERMANENT SYMPTOMS
-      SMA, progressive bulbar palsy, ALS, or primary lateral sclerosis.
-      Significant permanent functional neurological impairment >= 3 CONTINUOUS MONTHS.
-
-  11. MULTIPLE SCLEROSIS WITH PERSISTING SYMPTOMS
-      Unequivocal MRI findings + current clinical motor/sensory impairment >= 6 MONTHS.
-      EXCLUDED: SLE and other neurological damage.
-
-  12. ANGIOPLASTY
-      Percutaneous coronary intervention with balloon +/- stent for >= 50% blockage in major
-      coronary artery. Medically necessary per cardiologist; supported by CAG.
-      EXCLUDED: Diagnostic angiography without angioplasty/stent insertion.
-
-  13. BENIGN BRAIN TUMOUR
-      Life-threatening non-cancerous tumour; confirmed by CT/MRI.
-      Must result in: permanent neurological deficit for >= 90 continuous days,
-      OR surgical resection or radiation therapy.
-      EXCLUDED: Cysts, granulomas, AVM, hematomas, abscesses, pituitary tumours.
-[/CHUNK]
-
-[CHUNK]
-id            : GRAPH_SCHEMA_NODES
-section       : KuzuDB Graph Schema
-subsection    : Node Table Definitions and Instances
-topic_tags    : KuzuDB, graph schema, node tables, entity types, knowledge graph, RAG pipeline, CREATE NODE TABLE, Organization, Plan, Member_Type, Benefit, Waiting_Period, Disease, Exclusion, Contact_Person, Body_System
-entities      : Schema:Node_Tables
-relationships : Schema|defines|KuzuDB_Node_Tables
-text          :
-  KUZU GRAPH DB — NODE TABLE DEFINITIONS
-
-  CREATE NODE TABLE Organization (
-    name STRING PRIMARY KEY,
-    type STRING,          -- insurer | broker | alumni_association | regulator | tech_partner
-    contact_email STRING,
-    contact_phone STRING,
-    website STRING
-  );
-  Instances: NITDAA, Aditya_Birla_Health_Insurance, Zopper_Insurance_Brokers,
-             NIT_Durgapur, IRDAI, Insurance_Ombudsman, Solvy_Tech_Solutions
-
-  CREATE NODE TABLE Plan (
-    plan_id STRING PRIMARY KEY,
-    name STRING,
-    si_min_lakhs FLOAT,
-    si_max_lakhs FLOAT,
-    cover_type STRING,        -- floater
-    tenure_years INT64,
-    copay_pct FLOAT,
-    no_negative_list BOOLEAN,
-    enrolment_start DATE,
-    enrolment_end DATE
-  );
-  Instances: NITDAA_Base_3L {si:3, copay:0, enrol_start:2026-06-08, enrol_end:2026-06-30}
-             NITDAA_Base_5L {si:5, copay:0, enrol_start:2026-06-08, enrol_end:2026-06-30}
-
-  CREATE NODE TABLE Member_Type (
-    type_id STRING PRIMARY KEY,
-    relationship STRING,        -- alumni | spouse | child | parent | parent_in_law
-    entry_age_min INT64,
-    entry_age_max INT64,
-    exit_age STRING,            -- "lifelong" | integer as string
-    max_count INT64
-  );
-  Instances: Alumni {entry:18-85, exit:lifelong, max:1}
-             Spouse {entry:18-85, exit:lifelong, max:1}
-             Child  {entry:0-25,  exit:"26_new_member_OR_30_renewal",  max:4}
-                    -- NEW MEMBER: child exits at 26
-                    -- RENEWAL MEMBER (enrolled before 25): continues to age 30
-             Parent {entry:41-85, exit:lifelong, max:2}
-             Parent_in_Law {entry:41-85, exit:lifelong, max:2}
-
-  CREATE NODE TABLE Benefit (
-    benefit_id STRING PRIMARY KEY,
-    name STRING,
-    coverage_type STRING,  -- monetary | percentage | days
-    limit_value STRING,
-    covered_in_base BOOLEAN
-  );
-
-  CREATE NODE TABLE Waiting_Period (
-    wp_id STRING PRIMARY KEY,
-    type STRING,                -- initial | specific_disease | PED
-    duration_days INT64,
-    applies_new_members BOOLEAN,
-    applies_renewal_members BOOLEAN,
-    accident_exempt BOOLEAN
-  );
-
-  CREATE NODE TABLE Disease (
-    disease_id STRING PRIMARY KEY,
-    name STRING,
-    body_system STRING,
-    wait_months INT64,
-    associated_surgery STRING
-  );
-
-  CREATE NODE TABLE Exclusion (
-    excl_id STRING PRIMARY KEY,
-    name STRING,
-    category STRING,  -- standard | behavioural | medical | device | geographical
-    exception_note STRING
-  );
-
-  CREATE NODE TABLE Contact_Person (
-    contact_id STRING PRIMARY KEY,
-    name STRING,
-    organization STRING,
-    phone STRING,
-    support_type STRING,
-    level INT64
-  );
-  Instances: Satyam_Mishra{phone:8130301854, level:1, type:Product_Enrolment}
-             Pradeep_Kumar{phone:9319640944, level:1, type:Claims}
-             Hrithik_Khatana{phone:8800902249, level:2, type:Product_Enrolment}
-             Sujit_Shekhar{phone:8860746253, level:2, type:Claims_Endorsement}
-             Mohit_Sachwani{phone:6362568835, level:3, type:Product_Endorsement}
-             Boudhaayan_Paul{phone:7032220850, level:4, type:Product_Claims_Endorsement}
-
-  CREATE NODE TABLE Body_System (
-    system_id STRING PRIMARY KEY,
-    name STRING
-  );
-  Instances: Eye, Ear_Nose_Throat, Gynecology, Orthopedic_Rheumatological,
-             Gastroenterology, Urogenital, Skin, General_Surgery
-[/CHUNK]
-
-[CHUNK]
-id            : GRAPH_SCHEMA_EDGES
-section       : KuzuDB Graph Schema
-subsection    : Edge/Relationship Table Definitions
-topic_tags    : KuzuDB, graph schema, edge tables, relationships, CREATE REL TABLE, ADMINISTERS, UNDERWRITES, COVERS, EXCLUDES, HAS_WAITING_PERIOD, BELONGS_TO_SYSTEM, HANDLES_SUPPORT, ESCALATES_TO, knowledge graph traversal
-entities      : Schema:Edge_Tables
-relationships : Schema|defines|KuzuDB_Edge_Tables
-text          :
-  KUZU GRAPH DB — EDGE/RELATIONSHIP TABLE DEFINITIONS
-
-  CREATE REL TABLE ADMINISTERS (FROM Organization TO Plan);
-  -- NITDAA ADMINISTERS NITDAA_Base_3L, NITDAA_Base_5L
-
-  CREATE REL TABLE UNDERWRITES (FROM Organization TO Plan);
-  -- Aditya_Birla_Health_Insurance UNDERWRITES NITDAA_Base_3L, NITDAA_Base_5L
-
-  CREATE REL TABLE BROKERS (FROM Organization TO Plan);
-  -- Zopper_Insurance_Brokers BROKERS NITDAA_Base_3L, NITDAA_Base_5L
-
-  CREATE REL TABLE COVERS (FROM Plan TO Benefit, coverage_pct FLOAT, max_amount INT64);
-  -- NITDAA_Base COVERS Room_Rent, PreHosp_60d, PostHosp_90d, Modern_Tx_100pct, etc.
-
-  CREATE REL TABLE EXCLUDES (FROM Plan TO Exclusion, exception_note STRING);
-
-  CREATE REL TABLE MEMBER_ELIGIBLE (FROM Member_Type TO Plan, max_count INT64);
-
-  CREATE REL TABLE HAS_WAITING_PERIOD (FROM Disease TO Waiting_Period, duration_months INT64);
-  -- All ~30 diseases from Sections 5 map to Specific_Disease_12_Month waiting period
-
-  CREATE REL TABLE BELONGS_TO_SYSTEM (FROM Disease TO Body_System);
-  -- Cataract -> Eye; Sinusitis -> ENT; PCOD -> Gynecology; Gout -> Orthopedic, etc.
-
-  CREATE REL TABLE ASSOCIATED_SURGERY (FROM Disease TO Treatment, surgery_name STRING);
-
-  CREATE REL TABLE HANDLES_SUPPORT (FROM Contact_Person TO Support_Category, level INT64);
-
-  CREATE REL TABLE ESCALATES_TO (FROM Organization TO Organization);
-  -- ABHI_Grievance -> Insurance_Ombudsman -> IRDAI_IGMS
-
-  CREATE REL TABLE COMPATIBLE_WITH (FROM Plan TO External_Insurance_Category STRING);
-  -- NITDAA_Base COMPATIBLE_WITH "Employer_Group_Insurance"
-  -- NITDAA_Base COMPATIBLE_WITH "Individual_Retail_Insurance"
-
-  CREATE REL TABLE HAS_ENROLMENT_WINDOW (FROM Plan TO Date_Range, start DATE, end DATE);
-  -- NITDAA_Base -> {2026-06-08 to 2026-06-30}
-
-  EXAMPLE GRAPH TRAVERSAL QUERIES (KuzuDB Cypher):
-
-  -- Find all Eye diseases with 12-month wait:
-  MATCH (d:Disease)-[:BELONGS_TO_SYSTEM]->(s:Body_System {name:'Eye'})
-  RETURN d.name, d.associated_surgery, d.wait_months
-
-  -- Find who handles claims support at Level 1:
-  MATCH (c:Contact_Person)
-  WHERE c.level = 1 AND c.support_type CONTAINS 'Claims'
-  RETURN c.name, c.phone
-
-  -- All diseases with 12-month waiting period:
-  MATCH (d:Disease)-[:HAS_WAITING_PERIOD]->(w:Waiting_Period {type:'specific_disease'})
-  RETURN d.name, d.body_system, d.associated_surgery ORDER BY d.body_system
-[/CHUNK]
-
-[CHUNK]
-id            : CHROMADB_CONFIG
-section       : ChromaDB Collection Configuration
-subsection    : Collection Setup, Metadata Schema, Query Routing, BM25 Config
-topic_tags    : ChromaDB configuration, vector database, metadata schema, query routing, embedding model, BM25, collection name, RAG pipeline config, hybrid search, cosine distance, RRF
-entities      : Config:ChromaDB_Collection|Config:BM25_Settings|Config:Query_Routing
-relationships : Config|collection_name|nitdaa_health_insurance_kb_2026
-text          :
-  CHROMADB COLLECTION CONFIGURATION
-
-  COLLECTION NAME: nitdaa_health_insurance_kb_2026
-
-  METADATA SCHEMA (for .add() calls):
-  {
-    "id"           : <chunk_id string>,
-    "section"      : <top-level section name>,
-    "subsection"   : <sub-level section name>,
-    "topic_tags"   : <comma-separated BM25 keyword string>,
-    "doc_version"  : "3.1",
-    "policy_year"  : "2026",
-    "insurer"      : "Aditya_Birla_Health_Insurance",
-    "plan_type"    : "Base_Only"
-  }
-
-  EMBEDDING RECOMMENDATIONS:
-  Primary Model  : text-embedding-3-small (OpenAI) or all-MiniLM-L6-v2 (open-source)
-  Chunk Strategy : Semantic chunking at section/subsection boundaries (not character splits)
-  Chunk Size     : ~300-800 tokens per chunk
-  Overlap        : None required (semantic boundaries used)
-  Distance       : cosine
-
-  BM25 HYBRID SEARCH CONFIGURATION:
-  BM25 index fields : id, topic_tags, text
-  Tokenizer         : whitespace + lowercase + domain stopwords removed
-  Domain terms to boost (BM25 weight 1.5x):
-    "NITDAA", "PED", "waiting period", "sum insured", "cashless", "reimbursement",
-    "pre-hospitalization", "post-hospitalization", "ABHI", "Aditya Birla",
-    "specific diseases", "moratorium", "domiciliary", "co-payment",
-    "NRI", "alumni", "enrolment", "floater", "critical illness",
-    "NIT Durgapur", "pre-existing disease", "12 months"
-
-  QUERY ROUTING BY METADATA FILTER (ChromaDB where clause):
-  Coverage questions          -> section = "Covered Benefits"
-  Waiting period questions    -> section in ["Waiting Periods", "Specific Diseases — 12-Month Wait"]
-  Exclusion questions         -> section = "Exclusions"
-  Claims questions            -> section = "Claims Process"
-  Eligibility questions       -> section = "Eligibility"
-  NRI questions               -> subsection CONTAINS "NRI"
-  Contact questions           -> section = "Contacts and Support"
-  Definition questions        -> section = "Key Policy Definitions"
-  Critical illness definitions -> subsection CONTAINS "Critical Illness"
-  Life stage questions        -> section = "Life Stage Evaluation Guide"
-  Alumni death questions      -> section = "Alumni Death — Policy Continuation"
-  Premium questions           -> section = "Premium and Payment"
-  Renewal questions           -> section = "Renewals and Continuity"
-
-  HYBRID RETRIEVAL PIPELINE (recommended):
-  1. BM25 pass: retrieve top-10 by keyword match on topic_tags + text
-  2. Vector pass: retrieve top-10 by cosine similarity on text embedding
-  3. Merge and re-rank: RRF score = 1/(60+rank_bm25) + 1/(60+rank_vector)
-  4. Return top-5 chunks (k=60, standard RRF constant)
-
-  KUZU + CHROMA INTEGRATION PATTERN:
-  - Graph (KuzuDB): structured entity lookups (disease by body system, contact by level)
-  - Vector (ChromaDB): semantic queries (what is covered for heart problems?)
-  - Agent routing: structured entity queries -> KuzuDB; open questions -> ChromaDB
-[/CHUNK]
-
-
-[CHUNK]
-id            : ELIGIBILITY_004
-section       : Eligibility
-subsection    : Children Age Policy — New vs Renewal Members (Critical Distinction)
-topic_tags    : children age limit, child coverage 25 years, child coverage 30 years, renewal member child age 30, new member child age 25, child exit age, children above 25 covered, age 26 27 28 29 30 child renewal, child continue coverage renewal, children age policy difference
-entities      : Rule:New_Member_Child_Max25|Rule:Renewal_Member_Child_Continues_to_30|Age:Child_New_Entry_Max25|Age:Child_Renewal_Exit_30|Policy:Children_Age_Split
-relationships : New_Member|child_coverage_until|25_years_entry_26_exit;Renewal_Member_Child_above25|coverage_continues_until|30_years;Child_Already_Enrolled|special_rule|Continue_to_30;New_Child_Enrollment|entry_cap|25_years
-text          :
-  CHILDREN AGE POLICY — NEW MEMBERS vs RENEWAL MEMBERS
-
-  THIS IS A CRITICAL POLICY DISTINCTION (2026 Update):
-
-  FOR CHILDREN OF NEW MEMBERS (first-time enrollment):
-  - Entry age     : Day 1 (newborn) to 25 years
-  - Coverage exits: Age 26 (upon turning 26)
-  - Children above 25 years CANNOT be newly enrolled under new memberships
-
-  FOR CHILDREN OF RENEWAL MEMBERS (already in the program):
-  - If the child was enrolled before turning 25 and the policy is being renewed:
-  - Coverage CONTINUES up to age 30
-  - Children of renewal members who are currently 26, 27, 28, or 29 years old
-    will remain covered under the renewal policy until they turn 30
-  - This is a continuity benefit for loyal renewal members only
-
-  PRACTICAL EXAMPLES:
-  Example 1 — New Enrollment (2026):
-    Alumni joining fresh in 2026 → can add child aged 24 → child covered until 26
-    Cannot add child aged 26 or above as a new member enrollment
-
-  Example 2 — Renewal Member (was enrolled previously):
-    Alumni renewing in 2026 → child who is 27 years old → continues to be covered
-    This child will exit the policy when they turn 30
-
-  SUMMARY TABLE:
-  Scenario                              | Child Age at Exit
-  --------------------------------------|--------------------
-  New member enrollment                 | 26 years
-  Renewal member (child already enrolled)| 30 years
-
-  NOTE: Payment gateway for 2026 enrollment opens on 10th June 2026.
-  Enrollment portal opens 08 June 2026; payment processing begins 10 June 2026.
-
-  CONTACT for age eligibility clarification:
-  Satyam Mishra: 8130301854 | nitdaahealthplan@zopper.com
-[/CHUNK]
-################################################################################
-# END OF KNOWLEDGE BASE
-################################################################################
-# Total Chunks  : 33
-# Version       : 3.1 | Generated : 2026-06-09
-# Plan Scope    : Base Policy Only — STUP and Worldwide Coverage excluded
-# Policy Year   : 2026
-# Insurer       : Aditya Birla Health Insurance | UIN: ADIHLGP22190V032122
-################################################################################

key.pem

@@ -1,52 +0,0 @@
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-PdUp0U9vDa8TQvoXdrRCxKkK/Ltb
------END PRIVATE KEY-----

nvidia_frontend_test.html

@@ -1,204 +0,0 @@
-<!DOCTYPE html>
-<html lang="en">
-<head>
-    <meta charset="UTF-8">
-    <meta name="viewport" content="width=device-width, initial-scale=1.0">
-    <title>NVIDIA LLM Local Endpoint Tester</title>
-    <style>
-        body {
-            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
-            background-color: #121212;
-            color: #e0e0e0;
-            margin: 0;
-            padding: 20px;
-            display: flex;
-            flex-direction: column;
-            align-items: center;
-        }
-        h1 {
-            color: #76b900; /* NVIDIA Green */
-            margin-bottom: 20px;
-        }
-        .container {
-            width: 100%;
-            max-width: 800px;
-            background-color: #1e1e1e;
-            border-radius: 10px;
-            padding: 20px;
-            box-shadow: 0 4px 15px rgba(0,0,0,0.5);
-        }
-        .form-group {
-            margin-bottom: 15px;
-        }
-        label {
-            display: block;
-            margin-bottom: 5px;
-            font-weight: bold;
-            color: #bbb;
-        }
-        textarea, input[type="text"], input[type="number"] {
-            width: 100%;
-            padding: 10px;
-            border: 1px solid #333;
-            border-radius: 5px;
-            background-color: #2a2a2a;
-            color: #fff;
-            box-sizing: border-box;
-        }
-        textarea {
-            resize: vertical;
-            height: 120px;
-        }
-        button {
-            background-color: #76b900;
-            color: #000;
-            border: none;
-            padding: 10px 20px;
-            border-radius: 5px;
-            font-weight: bold;
-            cursor: pointer;
-            transition: background-color 0.2s;
-            font-size: 16px;
-        }
-        button:hover {
-            background-color: #8ce100;
-        }
-        button:disabled {
-            background-color: #444;
-            color: #888;
-            cursor: not-allowed;
-        }
-        .response-area {
-            margin-top: 20px;
-        }
-        .response-box {
-            background-color: #2a2a2a;
-            border: 1px solid #444;
-            border-radius: 5px;
-            padding: 15px;
-            min-height: 100px;
-            white-space: pre-wrap;
-            overflow-x: auto;
-            color: #dcdcdc;
-            line-height: 1.5;
-        }
-        .error {
-            color: #ff5252;
-            font-weight: bold;
-        }
-        .spinner {
-            display: none;
-            margin-left: 10px;
-            border: 3px solid rgba(255,255,255,0.1);
-            border-top: 3px solid #76b900;
-            border-radius: 50%;
-            width: 15px;
-            height: 15px;
-            animation: spin 1s linear infinite;
-            vertical-align: middle;
-        }
-        @keyframes spin {
-            0% { transform: rotate(0deg); }
-            100% { transform: rotate(360deg); }
-        }
-    </style>
-</head>
-<body>
-
-    <h1>NVIDIA LLM Tester</h1>
-    
-    <div class="container">
-        <div class="form-group">
-            <label for="endpoint">Local API Endpoint:</label>
-            <input type="text" id="endpoint" value="http://127.0.0.1:8003/v1/completions">
-        </div>
-        
-        <div class="form-group">
-            <label for="prompt">Prompt:</label>
-            <textarea id="prompt" placeholder="Enter your prompt here...">What are the top 3 features of NVIDIA GPUs for AI workloads?</textarea>
-        </div>
-        
-        <div class="form-group" style="display: flex; gap: 15px;">
-            <div style="flex: 1;">
-                <label for="max_tokens">Max Tokens:</label>
-                <input type="number" id="max_tokens" value="1024">
-            </div>
-            <div style="flex: 1;">
-                <label for="temperature">Temperature:</label>
-                <input type="number" id="temperature" value="0.5" step="0.1" min="0" max="2">
-            </div>
-        </div>
-
-        <button id="send-btn">
-            Send Request
-            <span class="spinner" id="spinner"></span>
-        </button>
-
-        <div class="response-area">
-            <label>Response:</label>
-            <div class="response-box" id="response-box">Awaiting input...</div>
-        </div>
-    </div>
-
-    <script>
-        document.getElementById('send-btn').addEventListener('click', async () => {
-            const endpoint = document.getElementById('endpoint').value.trim();
-            const promptText = document.getElementById('prompt').value.trim();
-            const maxTokens = parseInt(document.getElementById('max_tokens').value) || 1024;
-            const temperature = parseFloat(document.getElementById('temperature').value) || 0.5;
-            const responseBox = document.getElementById('response-box');
-            const sendBtn = document.getElementById('send-btn');
-            const spinner = document.getElementById('spinner');
-
-            if (!promptText) {
-                alert("Please enter a prompt.");
-                return;
-            }
-
-            // UI feedback
-            sendBtn.disabled = true;
-            spinner.style.display = 'inline-block';
-            responseBox.innerHTML = '<i>Processing request...</i>';
-            responseBox.classList.remove('error');
-
-            const payload = {
-                prompt: promptText,
-                max_tokens: maxTokens,
-                temperature: temperature
-            };
-
-            try {
-                const response = await fetch(endpoint, {
-                    method: 'POST',
-                    headers: {
-                        'Content-Type': 'application/json'
-                    },
-                    body: JSON.stringify(payload)
-                });
-
-                if (!response.ok) {
-                    const errorData = await response.json().catch(() => null);
-                    const errorMsg = errorData && errorData.error ? errorData.error : `HTTP error ${response.status}`;
-                    throw new Error(errorMsg);
-                }
-
-                const data = await response.json();
-                
-                if (data.choices && data.choices.length > 0) {
-                    responseBox.textContent = data.choices[0].text;
-                } else if (data.error) {
-                    throw new Error(data.error);
-                } else {
-                    responseBox.textContent = "Received unexpected response format:\n" + JSON.stringify(data, null, 2);
-                }
-            } catch (err) {
-                responseBox.textContent = `Error: ${err.message}`;
-                responseBox.classList.add('error');
-            } finally {
-                sendBtn.disabled = false;
-                spinner.style.display = 'none';
-            }
-        });
-    </script>
-</body>
-</html>

pipeline/Dockerfile

@@ -1,28 +0,0 @@
-FROM python:3.11-slim
-
-RUN apt-get update && apt-get install -y \
-    tesseract-ocr \
-    libgl1 \
-    libglib2.0-0 \
-    git \
-    build-essential \
-    && rm -rf /var/lib/apt/lists/*
-
-WORKDIR /app
-
-# Install Python requirements
-COPY requirements.txt .
-RUN pip install --no-cache-dir -r requirements.txt
-
-# Copy application codebase
-COPY . .
-
-# Ensure the start script is executable
-RUN chmod +x start.sh
-
-# Expose default HuggingFace Spaces port
-ENV PORT=7860
-EXPOSE 7860
-
-# Run all microservices together
-ENTRYPOINT ["bash", "start.sh"]