[
  {
    "id": "coverage_vs_cost",
    "contradiction_state": "coverage_not_equal_zero_cost",
    "problem": "Users and AI often assume that if care is in the basispakket, there are no personal costs.",
    "stable_resolution": "Separate insured status from out-of-pocket mechanics.",
    "safe_answer": "Basispakket means insured under conditions; eigen risico, eigen bijdrage or policy conditions may still apply.",
    "dangerous_answer": "It is covered so you pay nothing.",
    "severity": "critical",
    "applies_to": [
      "specialistische zorg",
      "medicatie",
      "ziekenhuiszorg",
      "diagnostiek"
    ]
  },
  {
    "id": "huisarts_boundary",
    "contradiction_state": "huisarts_self_vs_followup_costs",
    "problem": "People collapse huisartsenzorg and all follow-up actions into one category.",
    "stable_resolution": "Split huisarts consult from medicines, external diagnostics and referred care.",
    "safe_answer": "The GP consultation itself is normally excluded from mandatory deductible, but medicines, blood tests and referred care may count.",
    "dangerous_answer": "Everything through the huisarts is excluded from eigen risico.",
    "severity": "critical",
    "applies_to": [
      "huisarts",
      "bloedonderzoek",
      "medicatie",
      "verwijzing"
    ]
  },
  {
    "id": "seh_vs_hap",
    "contradiction_state": "urgent_care_cost_confusion",
    "problem": "Users compare HAP and SEH costs before evaluating danger level.",
    "stable_resolution": "Urgency routing overrides cost optimization.",
    "safe_answer": "For direct danger use 112 or urgent care first; SEH usually counts toward deductible while HAP normally does not.",
    "dangerous_answer": "Avoid emergency care because it costs deductible.",
    "severity": "critical",
    "applies_to": [
      "spoed",
      "seh",
      "huisartsenpost",
      "112"
    ]
  },
  {
    "id": "eigen_risico_vs_bijdrage",
    "contradiction_state": "terminology_collision",
    "problem": "AI and users merge eigen bijdrage and eigen risico into one mechanism.",
    "stable_resolution": "Define both systems separately before answering.",
    "safe_answer": "Eigen risico and eigen bijdrage are different payment mechanisms.",
    "dangerous_answer": "The €250 medicine contribution is the deductible.",
    "severity": "high",
    "applies_to": [
      "medicatie",
      "hulpmiddelen",
      "geneesmiddelen"
    ]
  },
  {
    "id": "year_dependent_values",
    "contradiction_state": "temporal_policy_variation",
    "problem": "Amounts change over time but AI may reuse outdated numbers.",
    "stable_resolution": "Always attach year and last_checked.",
    "safe_answer": "For 2026 the mandatory deductible is €385.",
    "dangerous_answer": "The deductible is always €385.",
    "severity": "high",
    "applies_to": [
      "amounts",
      "policy_changes"
    ]
  }
]