{
  "documentation": "https://moneyguru.co.nz/data",
  "contact": "partners@moneyguru.co.nz",
  "notice": "Public preview — single sample row per resource. Full API access is gated; request a key via partners@moneyguru.co.nz.",
  "generated_at": "2026-06-15T01:14:19.807Z",
  "schema": "insurance (Postgres) · MoneyGuru Finance Data",
  "counts": {
    "insurers": 111,
    "products": 142,
    "wordings": 188,
    "indexed_clauses": 6865,
    "published_diffs": 51,
    "verticals": 22,
    "last_wording_ingested_at": "2026-05-27T07:27:03.138011+00:00"
  },
  "verticals": [
    {
      "slug": "health",
      "name": "Health Insurance",
      "insurers": 8,
      "wordings": 75
    },
    {
      "slug": "pet",
      "name": "Pet Insurance",
      "insurers": 11,
      "wordings": 15
    },
    {
      "slug": "funeral",
      "name": "Funeral Insurance",
      "insurers": 9,
      "wordings": 7
    },
    {
      "slug": "life",
      "name": "Life Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "trauma",
      "name": "Trauma Cover",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "income-protection",
      "name": "Income Protection",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "car",
      "name": "Car Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "travel",
      "name": "Travel Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "business-liability",
      "name": "Business Liability Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "commercial-building",
      "name": "Commercial Building Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "body-corp",
      "name": "Body Corporate Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "cyber",
      "name": "Cyber Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "drone",
      "name": "Drone Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "aviation",
      "name": "Aviation Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "boat",
      "name": "Boat Coverage",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "business-car",
      "name": "Business Car Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "small-business",
      "name": "Small Business Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "tool",
      "name": "Tool Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "maid",
      "name": "Maid Insurance",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "farm",
      "name": "Farm Cover",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "business-lending",
      "name": "Business Lending",
      "insurers": 0,
      "wordings": 0
    },
    {
      "slug": "commercial-liability",
      "name": "Commercial Liability (NZ)",
      "insurers": 0,
      "wordings": 0
    }
  ],
  "sample": {
    "wording": {
      "insurer": "Dual New Zealand",
      "product": "DUAL New Zealand MDBI (04.22)",
      "vertical": "Commercial Building Insurance",
      "wording_version": "2022-04-01",
      "ingested_at": "2026-05-27T07:27:03.138011+00:00",
      "source_url": "https://nz.dualinsurance.com/hubfs/DUAL%20ANZ/DUAL%20New%20Zealand/NZ%20policy%20wording/DUAL-NZ-MDBI-Wording.pdf"
    },
    "clause": null,
    "policy_diff": {
      "insurer": "AIA",
      "product": "AIA Private Health",
      "vertical": "Health Insurance",
      "from_version": "2022-01-24",
      "to_version": "2022-01-29",
      "effective_date": "2026-05-18T10:20:26.551987+00:00",
      "change_tags": [
        "fee_change",
        "exclusion_change",
        "waiting_period_change",
        "benefit_added",
        "pharmac_change",
        "mental_health_change",
        "pre_existing_change"
      ],
      "chars_added": 9900,
      "chars_removed": 67002,
      "summary_markdown": "The policy added detailed sections explaining when premium waivers apply if the policyholder becomes totally disabled, including definitions, claim procedures, and ongoing requirements.\n\nMembers can now understand the specific conditions under which their premiums will be waived during total disability and what they must do to maintain this benefit."
    },
    "topic_extract": {
      "question": "What does this policy say about excesses?",
      "insurer": "AIA",
      "product": "AIA Private Health",
      "vertical": "Health Insurance",
      "wording_version": "2026-05-16",
      "source_page": null,
      "confidence_tier": "high",
      "answer_markdown": "# Excesses Under AIA Private Health\n\n## What Is an Excess?\n\nThe *excess* is the amount you will be responsible for paying towards treatment, procedures, or benefits you claim under this policy for each *life assured*. It applies separately to each person and resets to its full value at the start of each *policy year* (Clause 7).\n\n## Available Excess Amounts\n\n**AIA Private Health Cover** offers *excess* amounts of **$0, $250, $500, $750, $1,000, $2,000, $4,000 or $10,000** (Clause 8).\n\n**AIA Private Health Plus** additional benefits allow *excess* amounts of **$0 or $250**. This *excess* is in addition to any applicable *excess* under AIA Private Health Cover, but is only payable once per *life assured* per *policy year* (Clause 9).\n\n## When Excess Is Waived\n\nThe *excess* will be waived if:\n- The full excess has already been paid by you for that *life assured* in the applicable *policy year*, in which case any further claims are excess-free for the remainder of that year; or\n- The surgery occurs within **3 months of a related surgery** (Clause 8).\n\nCertain benefits have no *excess* payable, including Bereavement Grant, Parents Grieving Benefit, Dental Evaluation and Treatment Prior to Qualifying Treatments, Mental Health Support Benefit, Minor Surgery Benefit, Congenital Conditions Surgery Benefit, Home Nursing, Waiver of Premium on Death, Treatment Away from Home in New Zealand, Parent Accommodation Benefit, Post-cancer Treatment Care and Support, Public Hospital Cancer Treatment Cash Benefit, and Palliative, Hospice and Respite Care (Clauses 12–25).\n\n## Changing Your Excess\n\nYou may request AIA to change your *excess*. To reduce it, you may be required to provide health information confirming good health. Any change will alter your *premium* (Clause 11)."
    }
  },
  "endpoints_available_to_subscribers": [
    "GET /api/v1/insurers",
    "GET /api/v1/products?vertical={slug}&insurer={slug}",
    "GET /api/v1/wordings/{id}",
    "GET /api/v1/clauses?product_id={id}&section={path}&q={semantic_query}",
    "GET /api/v1/diffs?product_id={id}&since={iso8601}",
    "GET /api/v1/topics/{slug}/extracts",
    "POST /api/v1/ask  (AdviserGPT — retrieval-augmented Q&A)",
    "POST /api/v1/insurer-write  (insurer-of-record corrections, OAuth)",
    "GET  /data/api/receipt/{id}  (Pangaea Verified Receipt — re-verification)"
  ],
  "_receipt": {
    "v": 1,
    "site": "moneyguru.co.nz",
    "endpoint": "/data/api/sample.json",
    "payload_sha256": "<sha256 of this body without the _receipt field, computed at build>",
    "served_at": "2026-06-15T01:14:19.808Z",
    "sources": [
      {
        "url": "https://moneyguru.co.nz/data/docs#access",
        "tier": "A",
        "retrieved_at": "2026-06-15T01:14:19.808Z",
        "doc_hash": "<sha256 of methodology doc>"
      }
    ],
    "methodology": "https://moneyguru.co.nz/data/docs",
    "key_id": "pangaea-2026-01",
    "caller_signature": null,
    "notice": "Demonstration receipt — production receipts carry real Ed25519 signatures verifiable against pangaea-2026-01.pub."
  }
}