You will be able to ask for an explanation that ties every point to the words in the document.
Hui Min had a day surgery last year and was surprised by how much of the bill she paid herself. She had a hospital plan and had always assumed it covered "most of it". When she finally opened the policy document, the relevant section ran to three pages, with terms like deductible, co-insurance and pro-ration that each referred to other sections. She read it twice and understood less the second time.
This is a job an assistant does well, as you saw in lesson 1.2, Four money jobs AI does well. It's also a job where a smooth wrong answer can cost you money. The way to get the benefit without the risk is to make every point in the explanation point back to the words it came from.
The tempting move is to upload the whole policy and ask what it covers. Resist it. A long document gives the assistant too much to hold at once, and it tends to answer from the general idea of a hospital plan rather than from your particular wording. AI fundamentals lesson 5.2, Why long chats drift and big files get skimmed, explains why.
Instead, find the clause you care about and copy just that, plus any definitions it relies on. Hui Min copied the section headed "Deductible and co-insurance" along with the two definitions it referred to, about three hundred words in all.
Before you paste, take out anything that identifies you: your name, the policy number, your NRIC, the name of anyone insured with you. Replace them with placeholders such as INSURED PERSON or POLICY 1. Lesson 7.2, Redact first, and check your settings, goes further, but for a single clause this is usually enough. The wording of the clause itself is generally the same for everyone on that plan, so it's safe to paste.
Now ask for two things together: a plain explanation and, for each point, the exact sentence it comes from. Hui Min wrote:
"I live in Singapore. Below is one clause from my hospital insurance policy, with the definitions it uses. Explain it in plain English for someone with no insurance background. Make each point a short paragraph, and after each one, quote the exact sentence from the text that supports it. Use only the text I have pasted. If something I would need to know is not in this text, say so instead of filling it in."
The quotes are what make the answer checkable. Without them you have a fluent summary you'd have to compare with the whole clause yourself. With them, each point arrives with its evidence attached, and you can read the two side by side. Working with AI assistants lesson 5.2, Make it quote and point to the source, covers this technique for any document, and with money documents you should treat it as a requirement.
Definitions don't tell you what you'll actually pay, but a worked example will, so follow up with something like: "Using made-up figures, show what I would receive for a claim of S$5,000. Use a deductible of S$1,000 and co-insurance of 10%, and show each step."
Those two figures are invented for the example. Use the real ones from your schedule later, but start with round numbers so you can follow the logic. The assistant should show the steps in order: the deductible comes off first, leaving S$4,000; then the 10% co-insurance applies to that S$4,000, which is S$400; so the plan pays S$3,600 and Hui Min pays S$1,400.
Check the steps yourself, on paper or in a spreadsheet, because the order matters. If the assistant took 10% off the whole S$5,000 first and then subtracted the deductible, it would get S$3,500, which is a different policy. Your clause decides which order applies, and the quoted sentence should show it.
Read through the explanation for anything that isn't in what you pasted. A common example: the assistant mentions a cap on the co-insurance you pay, or a rider that reduces it, when neither appears in the text. It may well be describing something true of many plans in Singapore. It isn't describing your clause.
Treat any point that has no quote behind it, or whose quote doesn't actually say what the point claims, as invented, and cross it out. If it raises a real question, such as whether your plan has a cap, note it as something to look up elsewhere in the policy or to ask the insurer. Lesson 3.3, Check the explanation against the document, turns this into a full line-by-line check.
Hui Min's explanation had five points. Four had quotes that matched. The fifth said she could "usually" claim the deductible back through a rider, with no quote. Her clause said nothing about riders. That line came out.
Pick a clause from a policy or contract you hold, and run the same request on it.
Pick one clause from a policy or contract you hold and get an explanation that quotes the source sentence for each point.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).