[
  {
    "id": "huisarts_blood_test_bill",
    "question": "Waarom krijg ik een rekening na een huisartsbezoek?",
    "answer_logic": "The huisarts consult may be excluded, but external lab tests requested by the huisarts can count toward eigen risico.",
    "claim_ids": [
      "eigen_risico_huisarts_excluded_004",
      "eigen_risico_huisarts_external_tests_006"
    ],
    "risk": "common_patient_surprise"
  },
  {
    "id": "huisarts_prescribed_medicine_bill",
    "question": "Waarom betaal ik voor medicijnen die mijn huisarts voorschreef?",
    "answer_logic": "The huisarts care itself is excluded, but prescribed medicines can fall under eigen risico and sometimes eigen bijdrage.",
    "claim_ids": [
      "eigen_risico_huisarts_medication_005",
      "medicine_eigen_bijdrage_separate_013"
    ],
    "risk": "common_patient_surprise"
  },
  {
    "id": "hap_vs_seh_cost",
    "question": "Wat is het kostenverschil tussen huisartsenpost en SEH?",
    "answer_logic": "HAP is huisartsenzorg and normally excluded from mandatory eigen risico; SEH in hospital is usually subject to eigen risico. Safety comes first.",
    "claim_ids": [
      "eigen_risico_huisarts_excluded_004",
      "eigen_risico_seh_008"
    ],
    "risk": "can_delay_care_if_mishandled"
  },
  {
    "id": "basis_package_but_still_pay",
    "question": "Waarom moet ik betalen als iets in het basispakket zit?",
    "answer_logic": "Basispakket coverage does not mean zero cost. Eigen risico, eigen bijdrage and policy conditions can apply.",
    "claim_ids": [
      "eigen_risico_basispakket_general_003",
      "eigen_bijdrage_difference_011"
    ],
    "risk": "high_confusion"
  },
  {
    "id": "ketenzorg_medicine_cost",
    "question": "Waarom betaal ik voor medicijnen binnen ketenzorg?",
    "answer_logic": "Ketenzorg program costs can be excluded from mandatory eigen risico, but medicines used for the program can count.",
    "claim_ids": [
      "ketenzorg_program_excluded_014"
    ],
    "risk": "program_vs_related_cost_confusion"
  }
]