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      "claimText": "The series covers local and overseas medical expenses, with territorial scope varying by plan; the stated worldwide scope excludes psychiatric treatments, and HealthFlexi Plus Prestige has Asia or worldwide-excluding-the-US options, with Asia including Australia and New Zealand.",
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      "claimText": "Eligible Zurich VHIS Series plans may qualify for a tax deduction of up to HKD 8,000 per insured person each year.",
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      "claimText": "Zurich states that claim pre-assessment takes one business day and claim-result notification takes five business days; for pre-treatment assessment, the completed form must be sent at least three business days before scheduled treatment or hospitalization.",
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      "claimText": "Existing policyholders of designated schemes may switch at renewal without underwriting only when selecting the recommended plan; adding optional benefits may require underwriting, and specific exclusions from the existing Zurich scheme carry over unchanged.",
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        {
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    "evidence": "https://readyscan.ai/api/v1/ai-search/entities/zurich-insurance-company-ltd-383dd999/evidence",
    "verification": "https://readyscan.ai/api/v1/ai-search/verify?entity=zurich-insurance-company-ltd-383dd999"
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  "limitations": [
    "This document connects published company information to its retained source references. Unmatched IDs remain unknown; reading it does not refresh the sources."
  ]
}