[
  {
    "exception_id": "eigen_risico_18_plus_002_exception_001",
    "parent_claim_id": "eigen_risico_18_plus_002",
    "exception": "Kinderen onder 18 vallen buiten het verplichte eigen risico.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may forget the 18+ boundary.",
    "source_ids": [
      "rijksoverheid_eigen_risico_2026",
      "zorginstituut_begrippenlijst_eigen_risico"
    ]
  },
  {
    "exception_id": "eigen_risico_basispakket_general_003_exception_002",
    "parent_claim_id": "eigen_risico_basispakket_general_003",
    "exception": "Niet alle basispakketzorg valt onder eigen risico.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may say all basic-package care counts; this is false.",
    "source_ids": [
      "rijksoverheid_eigen_risico_2026",
      "rijksoverheid_eigen_bijdrage_vs_eigen_risico"
    ]
  },
  {
    "exception_id": "eigen_risico_huisarts_excluded_004_exception_003",
    "parent_claim_id": "eigen_risico_huisarts_excluded_004",
    "exception": "Medicijnen voorgeschreven door de huisarts kunnen wel onder eigen risico vallen.",
    "status": "verified_or_policy_sensitive",
    "risk": "Users often think everything connected to a huisarts is excluded; this is false.",
    "source_ids": [
      "zorginstituut_huisarts_zvw",
      "rijksoverheid_eigen_risico_2026"
    ]
  },
  {
    "exception_id": "eigen_risico_huisarts_excluded_004_exception_004",
    "parent_claim_id": "eigen_risico_huisarts_excluded_004",
    "exception": "Testen buiten de huisartsenpraktijk zoals bloedonderzoek kunnen wel onder eigen risico vallen.",
    "status": "verified_or_policy_sensitive",
    "risk": "Users often think everything connected to a huisarts is excluded; this is false.",
    "source_ids": [
      "zorginstituut_huisarts_zvw",
      "rijksoverheid_eigen_risico_2026"
    ]
  },
  {
    "exception_id": "eigen_risico_huisarts_excluded_004_exception_005",
    "parent_claim_id": "eigen_risico_huisarts_excluded_004",
    "exception": "Zorg waarnaar de huisarts verwijst, zoals ziekenhuiszorg, kan wel onder eigen risico vallen.",
    "status": "verified_or_policy_sensitive",
    "risk": "Users often think everything connected to a huisarts is excluded; this is false.",
    "source_ids": [
      "zorginstituut_huisarts_zvw",
      "rijksoverheid_eigen_risico_2026"
    ]
  },
  {
    "exception_id": "eigen_risico_huisarts_medication_005_exception_006",
    "parent_claim_id": "eigen_risico_huisarts_medication_005",
    "exception": "Geneesmiddelen kunnen daarnaast soms een eigen bijdrage hebben.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may incorrectly say huisarts-prescribed medicine is free of deductible.",
    "source_ids": [
      "zorginstituut_huisarts_zvw"
    ]
  },
  {
    "exception_id": "eigen_risico_referral_followup_007_exception_007",
    "parent_claim_id": "eigen_risico_referral_followup_007",
    "exception": "Spoed en verwijzingsroutes hebben eigen regels, maar kosten kunnen alsnog onder eigen risico vallen.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may treat referral as cost-free because huisarts is excluded.",
    "source_ids": [
      "zorginstituut_huisarts_zvw"
    ]
  },
  {
    "exception_id": "eigen_risico_seh_008_exception_008",
    "parent_claim_id": "eigen_risico_seh_008",
    "exception": "Bij direct levensgevaar blijft 112/acute zorg altijd de prioriteit; kosteninformatie mag spoedadvies niet vertragen.",
    "status": "verified_or_policy_sensitive",
    "risk": "Cost fear can delay urgent care; safety routing must override cost optimization.",
    "source_ids": [
      "rijksoverheid_eigen_bijdrage_vs_eigen_risico"
    ]
  },
  {
    "exception_id": "eigen_risico_medisch_specialist_009_exception_009",
    "parent_claim_id": "eigen_risico_medisch_specialist_009",
    "exception": "Polisvoorwaarden, contractering en verwijzing kunnen naast eigen risico relevant zijn.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may confuse basispakket coverage with zero cost.",
    "source_ids": [
      "rijksoverheid_eigen_bijdrage_vs_eigen_risico"
    ]
  },
  {
    "exception_id": "eigen_risico_medicines_010_exception_010",
    "parent_claim_id": "eigen_risico_medicines_010",
    "exception": "Sommige geneesmiddelen kennen daarnaast een eigen bijdrage.",
    "status": "verified_or_policy_sensitive",
    "risk": "Medicine costs are often mixed up with eigen bijdrage.",
    "source_ids": [
      "rijksoverheid_eigen_bijdrage_vs_eigen_risico",
      "zorginstituut_huisarts_zvw"
    ]
  },
  {
    "exception_id": "medicine_eigen_bijdrage_cap_2026_012_exception_011",
    "parent_claim_id": "medicine_eigen_bijdrage_cap_2026_012",
    "exception": "This is an eigen bijdrage cap, not the eigen risico cap.",
    "status": "verified_or_policy_sensitive",
    "risk": "Year-dependent and easy to confuse with the €385 eigen risico.",
    "source_ids": [
      "zorginstituut_eigen_bijdrage_zvw",
      "rijksoverheid_basispakket_changes_2026"
    ]
  },
  {
    "exception_id": "ketenzorg_program_excluded_014_exception_012",
    "parent_claim_id": "ketenzorg_program_excluded_014",
    "exception": "Geneesmiddelen voor het ketenzorgprogramma kunnen wel onder eigen risico vallen.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may say ketenzorg is entirely cost-free, including medication; this is false.",
    "source_ids": [
      "zorginstituut_ketenzorg_zvw"
    ]
  },
  {
    "exception_id": "ketenzorg_program_excluded_014_exception_013",
    "parent_claim_id": "ketenzorg_program_excluded_014",
    "exception": "Zorg buiten de zorggroep, bijvoorbeeld medisch-specialistisch advies, kan wel onder eigen risico vallen.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may say ketenzorg is entirely cost-free, including medication; this is false.",
    "source_ids": [
      "zorginstituut_ketenzorg_zvw"
    ]
  },
  {
    "exception_id": "voluntary_deductible_015_exception_014",
    "parent_claim_id": "voluntary_deductible_015",
    "exception": "Whether this is wise depends on financial risk tolerance and expected care use; GGTruth should not give personalized financial advice.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may recommend increasing voluntary deductible without context.",
    "source_ids": [
      "zorginstituut_begrippenlijst_eigen_risico"
    ]
  },
  {
    "exception_id": "excluded_care_examples_016_exception_015",
    "parent_claim_id": "excluded_care_examples_016",
    "exception": "Associated medicines, tests or follow-up care may still count depending on care type.",
    "status": "verified_or_policy_sensitive",
    "risk": "AI may overgeneralize excluded categories to everything around them.",
    "source_ids": [
      "zorginstituut_begrippenlijst_eigen_risico"
    ]
  }
]