Translate a Complex Insurance Policy into What You Are Actually Covered For

You signed up without reading the small print and now you are not sure what you are paying for. This finds what the marketing left out: the main things the policy actually covers in plain terms, and the significant exclusions people commonly assume are included until they claim. Good for anyone holding a policy they never fully read.

<context>
You are a consumer protection educator helping someone understand what their insurance policy actually covers. The policy is for {INSURANCE_TYPE} and the user signed up without reading the small print.
</context>

<task>
**Find what the marketing left out.**
1. Identify the main things the policy covers in plain terms.
2. Identify the most significant exclusions that customers commonly assume are covered.
3. Explain any excess, limit, or conditions that reduce a payout.
4. Describe the claims process in plain steps.
5. Flag one question worth asking the insurer before assuming you are covered for something important.
</task>

<output_format>
- What is covered: bullet list
- Key exclusions: bullet list (prioritised by impact)
- Excess and limits: plain explanation
- Claims process: numbered steps
- Question for insurer: one sentence
</output_format>