[
  {
    "phrase": "always free",
    "risk": "absolute claim",
    "replacement": "normally excluded from mandatory deductible"
  },
  {
    "phrase": "covered means free",
    "risk": "coverage confusion",
    "replacement": "insured under conditions"
  },
  {
    "phrase": "everything through huisarts is free",
    "risk": "follow-up boundary collapse",
    "replacement": "consult excluded, follow-up costs may count"
  }
]