Predictika · International health insurance quotes

An AI sales agent's AXA Global Health Plan quote, checked before it goes out

An AI sales agent prepares a quote for the AXA Global Health Plan from AXA Global Healthcare: the Foundation, Standard, Comprehensive, Prestige or Prestige Plus plan, worldwide cover with or without the USA, an outpatient allowance upgrade, dental care, routine pregnancy and childbirth cover, an excess and a payment frequency, for a family of any size. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of how those choices fit together and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: AXA Global Health Plan quotes: Foundation, Standard, Comprehensive, Prestige and Prestige Plus, worldwide cover with or without the USA, outpatient allowance upgrades, dental, routine pregnancy and childbirth, excess levels and payment frequency, for individuals and families. See everything this validator covers

This validator models AXA Global Health Plan quotes as the plans are publicly described, not just the scenarios shown below.

  • Plans — Foundation, Standard, Comprehensive, Prestige and Prestige Plus, with their overall plan limits per member (£250,000, £1,000,000, £1,500,000, £2,000,000 and £5,000,000).
  • Options — Worldwide or Worldwide excluding the USA, an outpatient allowance upgrade of £1,000 or £2,500 on Foundation and Standard, dental care on Comprehensive and Prestige, routine pregnancy and childbirth on Prestige and Prestige Plus, an excess from £100 to £2,000 (and £5,000 or £10,000 on Standard without outpatient), and annual, quarterly or monthly payment.
  • What the validator checks — that someone is covered and children come with an adult, that the outpatient choice fits the plan, that dental is only quoted where outpatient cover is included and not again on Prestige Plus, that pregnancy cover is only quoted on Prestige or Prestige Plus, that the high excess levels are only on Standard without outpatient, that the stated plan limit matches the plan, and that the stated annual premium matches the computed one.
  • Approvals — an annual premium above £30,000, seven or more members, and members aged 60 or over on Prestige or Prestige Plus with USA cover go to a person.

Any AXA Global Health Plan quote that touches these plans and options is in scope — not only the scenarios pictured here. Not covered: the AXA Health or company plans, the Europe area, currency conversion, the 18-month pregnancy waiting period, underwriting, taxes and negotiated discounts. AXA publishes no premiums for these plans, so every premium on this page is illustrative.

The AI sales agentBuilds the AXA Global Health Plan quote from the conversation with the customer and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Options that exist on some plans and not othersOnly with workarounds
An outpatient allowance exists only on Foundation and Standard, dental only on Comprehensive and Prestige, pregnancy only on Prestige and Prestige Plus; that is a matrix of product rules that a rep can still get wrong when switching plan.		Plan and options are facts in the request and each combination is checked in one pass.
A higher excess that only some plans offerOnly with care
The 5,000 and 10,000 pound excess levels exist only on Standard without an outpatient upgrade; the rule depends on two other choices at once.		The excess is checked against the plan and the outpatient choice together.
Option already included in a higher planOnly with workarounds
Prestige Plus already includes dental care; stopping a rep from adding it as a separate charge needs an exclusion rule per option per plan.		The included option is checked against the plan whenever it is quoted.
Premium built from age bands, options and excessOnly with workarounds
The premium is a sum over members in four age bands of the plan rate plus options minus the excess discount, plus an instalment charge; that is a price table per plan per band, kept in step by hand.		The unit rate is built once and applied per band, and the stated premium is compared with the computed one.
Stated plan limitOnly with care
The overall limit per member is fixed by the plan; a rep who types a limit from another plan is only caught by a validation rule someone remembered to write.		The stated limit is compared with the limit of the chosen plan.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The outpatient choice does not fit the plan level; Foundation and Standard offer an outpatient allowance upgrade of 1,000 or £2,500, and Comprehensive, Prestige and Prestige Plus include outpatient cover.
2Dental care is quoted as an extra on Prestige Plus, which already includes routine and non-routine dental treatment.
3Dental care is quoted on a plan without outpatient cover; dental is an option only on Comprehensive and Prestige, where outpatient cover is already included.
4Routine pregnancy and childbirth cover is quoted on a plan that does not include it; it is part of Prestige and Prestige Plus only.
5An excess of 5,000 or £10,000 is quoted; those two levels are offered only on Standard without an outpatient upgrade.
6The quote covers 2 children and no adult; children are covered on a plan with an adult.
7The quote covers no one, so there is nothing to price.
8The quote states an overall limit of £1,500,000 per member; the chosen plan has an overall limit of £1,000,000.
9The quote states an annual premium of £5,119; the prices give £5,120.
10The annual premium is £31,440, above £30,000, so a person should confirm.
11The policy covers 7 members, so a person should confirm the family details.
121 members are 60 or over on a plan with USA cover, so a person should confirm underwriting.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Relocating family of six: A quote for a family of six relocating abroad, with outpatient, dental and pregnancy cover

    
The agent's request. Please quote the AXA Global Health Plan Comprehensive plan for 2 adults aged 40 to 59, 1 adult aged 60 or over and 3 children, worldwide excluding the USA, with a £2,500 outpatient allowance, dental care and routine pregnancy and childbirth cover, a £10,000 excess, paid monthly. The quote states an overall limit of £1,000,000 per member and an annual premium of £18,130. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Outpatient choice does not fit the plan. The outpatient choice does not fit the plan level; Foundation and Standard offer an outpatient allowance upgrade of 1,000 or £2,500, and Comprehensive, Prestige and Prestige Plus include outpatient cover.
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  • Pregnancy cover not on this plan. Routine pregnancy and childbirth cover is quoted on a plan that does not include it; it is part of Prestige and Prestige Plus only.
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  • High excess needs Standard without outpatient. An excess of 5,000 or £10,000 is quoted; those two levels are offered only on Standard without an outpatient upgrade.
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  • Stated plan limit does not match. The quote states an overall limit of £1,000,000 per member; the chosen plan has an overall limit of £1,500,000.
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  • Stated premium does not match. The quote states an annual premium of £18,130; the prices give £18,220.
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2. Relocating family of six: The agent resubmits after fixing the errors

    
The agent's request. Please quote the AXA Global Health Plan Prestige plan for 2 adults aged 40 to 59, 1 adult aged 60 or over and 3 children, worldwide excluding the USA, with outpatient cover, dental care and routine pregnancy and childbirth cover, a £1,000 excess, paid monthly. The quote states an overall limit of £2,000,000 per member and an annual premium of £27,040. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. An annual premium of £27,040 for 6 member(s) with an overall limit of £2,000,000 each.
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3. Young couple: A quote for a young couple on the Standard plan

    
The agent's request. Please quote the AXA Global Health Plan Standard plan for 2 adults aged 18 to 39, worldwide, with a £1,000 outpatient allowance and dental care, a £5,000 excess, paid quarterly. The quote states an overall limit of £1,000,000 per member and an annual premium of £2,540. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Dental needs outpatient cover. Dental care is quoted on a plan without outpatient cover; dental is an option only on Comprehensive and Prestige, where outpatient cover is already included.
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  • High excess needs Standard without outpatient. An excess of 5,000 or £10,000 is quoted; those two levels are offered only on Standard without an outpatient upgrade.
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4. Young couple: The agent resubmits after fixing the errors

    
The agent's request. Please quote the AXA Global Health Plan Standard plan for 2 adults aged 18 to 39, worldwide, a £5,000 excess, paid quarterly. The quote states an overall limit of £1,000,000 per member and an annual premium of £2,040. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. An annual premium of £2,040 for 2 member(s) with an overall limit of £1,000,000 each.
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5. Retired couple: A quote for a retired couple on the top plan

    
The agent's request. Please quote the AXA Global Health Plan Prestige Plus plan for 2 adults aged 60 or over, worldwide, with a £1,000 outpatient allowance and dental care, a £500 excess, paid annually. The quote states an overall limit of £2,000,000 per member and an annual premium of £38,160. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Outpatient choice does not fit the plan. The outpatient choice does not fit the plan level; Foundation and Standard offer an outpatient allowance upgrade of 1,000 or £2,500, and Comprehensive, Prestige and Prestige Plus include outpatient cover.
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  • Dental already included. Dental care is quoted as an extra on Prestige Plus, which already includes routine and non-routine dental treatment.
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  • Stated plan limit does not match. The quote states an overall limit of £2,000,000 per member; the chosen plan has an overall limit of £5,000,000.
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  • Annual premium over £30,000. The annual premium is £38,160, above £30,000, so a person should confirm.
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  • Members over 60 with USA cover. 2 members are 60 or over on a plan with USA cover, so a person should confirm underwriting.
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6. Retired couple: The agent resubmits after fixing the errors

    
The agent's request. Please quote the AXA Global Health Plan Prestige Plus plan for 2 adults aged 60 or over, worldwide, with outpatient cover, a £500 excess, paid annually. The quote states an overall limit of £5,000,000 per member and an annual premium of £36,160. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Annual premium over £30,000. The annual premium is £36,160, above £30,000, so a person should confirm.
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  • Members over 60 with USA cover. 2 members are 60 or over on a plan with USA cover, so a person should confirm underwriting.
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  • Quote summary. An annual premium of £36,160 for 2 member(s) with an overall limit of £5,000,000 each.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a quote for the AXA Global Health Plan from AXA Global Healthcare: the Foundation, Standard, Comprehensive, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of how those choices fit together and returns a verdict, every reason, a line-item quote and the figures it computed.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please quote the AXA Global Health Plan Comprehensive plan for 2 adults aged 40 to 59, 1 adult aged 60 or over and 3 children. The quote states an overall limit of £1,000,000 per member and an annual premium of £18,130. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with five findings, all in one answer. The outpatient choice does not fit the plan level; Foundation and Standard offer an outpatient allowance upgrade of 1,000 or £2,500, and Comprehensive, Prestige and Prestige Plus include outpatient cover. Routine pregnancy and childbirth cover is quoted on a plan that does not include it; it is part of Prestige and Prestige Plus only. An excess of 5,000 or £10,000 is quoted; those two levels are offered only on Standard without an outpatient upgrade. The other two are on screen.
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  6. The validator returned five blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for stated plan limit, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the plan to prestige, the outpatient to included, the excess to £1,000, the stated plan limit to £2,000,000 and the stated annual premium to £27,040.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. The validator also returns the line-item quote. It starts with Prestige plan and Prestige plan; the other two lines are on screen.
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  13. All five earlier findings are cleared, and the validator's total, £27,040, matches the quote.
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  14. Five problems caught in one call, fixed in one pass, and a clean £27,040 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    15.