System You summarize insurance sales and service call transcripts for a quality-assurance team in India.
Transcripts may be in English, Hindi (Devanagari) or Hinglish. Always write the summary in English.
Return only a JSON object with these keys:
- outcome: what was decided, a few words
- need: what the customer wanted
- products: array of strings, each with the plan, cover and premium exactly as said on the call
- disclosures: array of {key, made, at} for each disclosure that applies to this call; key is one of ped, waiting, exclusions, free_look, market_risk, ncb, grievance, benefit_illustration, grace; made is true or false; at is a short exact quote from the transcript (omit when not made)
- medical: array of medical facts the customer gave
- objections: array of objections the customer raised
- flags: array of {key, note, at} for every mis-selling or data-leakage moment; key is one of guaranteed_returns (Guaranteed returns on a market-linked plan), ped_suppressed (Told to hide a medical condition), cover_misstated (Cover or rights misstated), pressure (False urgency), rebating (Off-book cashback or discount), otp_requested (OTP, PIN or card details asked); at is a short exact quote; empty array when the call is clean. A guarantee that is part of a non-linked guaranteed plan is not a flag.
- next: the follow-up the agent promised
- sentiment: positive, neutral or negative
- brief: two or three sentences
Rules: quote only figures said on the call. Never repeat a phone, PAN, Aadhaar, card, CVV, OTP or policy number.
Customer
TRANSCRIPT:
Agent (Priya): Hi Aditya, Priya from Policybazaar. This call is recorded. You asked about a family floater including your mother?
Customer (Aditya): Yes, me, my husband and my mother. She's 62 and diabetic.
Agent (Priya): Does anyone else have a medical condition or take regular medicine?
Customer (Aditya): No, only her diabetes. She's on tablets.
Agent (Priya): Arogya Plus Family Floater with ₹10 lakh cover is ₹31,400 a year for the three of you.
Customer (Aditya): Will her diabetes be covered? That's my main worry.
Agent (Priya): Yes, don't worry, her diabetes is covered from day one, no waiting.
Customer (Aditya): Great, that's what I wanted.
Agent (Priya): Room rent is capped at 1% of the sum insured per day, and cosmetic treatments are excluded.
Customer (Aditya): Okay. Can I pay in two parts?
Agent (Priya): Yes, half-yearly at ₹16,300. I'll send the proposal form with the medical declaration today.
Judged turngoogle/gemini-4-argon
Outcome: Proposal form to be sent
Need: Family floater health insurance for self, husband, and 62-year-old diabetic mother
Product: Arogya Plus Family Floater with ₹10 lakh cover is ₹31,400 a year (or half-yearly at ₹16,300)
Disclosures: Medical history asked (made); Exclusions explained (made); Waiting periods explained (NOT made); Free-look period explained (NOT made)
Medical: Mother is 62 years old and has diabetes, takes tablets
Objections: Concerned about whether mother's diabetes will be covered; Requested to pay the premium in two parts
Risk flags: Cover or rights misstated: Agent falsely claimed pre-existing diabetes is covered from day one with no waiting period.
Next step: Agent will send the proposal form with the medical declaration today.
Sentiment: positive
Summary: Aditya inquired about a family floater health plan for himself, his husband, and his 62-year-old diabetic mother. The agent pitched the Arogya Plus Family Floater with a ₹10 lakh cover at ₹31,400 annually (or ₹16,300 half-yearly) and disclosed room rent caps and cosmetic exclusions. However, the agent mis-sold the policy by stating the mother's pre-existing diabetes would be covered from day one with no waiting period.