{
  "tool_id": "insurance_deductible_break_even",
  "slug": "insurance-deductible-break-even-calculator",
  "path": "/insurance-deductible-break-even-calculator/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/insurance-deductible-break-even-calculator/?<params>",
  "sample_input": {
    "tool": "insurance_deductible_break_even",
    "coverage_type": "auto",
    "options": [
      {
        "deductible": 500,
        "annual_premium": 1880
      },
      {
        "deductible": 1000,
        "annual_premium": 1520
      }
    ],
    "expected_claims_per_year": 0.35,
    "average_claim_amount": 2800,
    "surcharge_percent": 12,
    "surcharge_years": 3,
    "cash_buffer": 1500
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "coverage_type": {
        "type": "string"
      },
      "options": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "deductible": {
              "type": "integer"
            },
            "annual_premium": {
              "type": "integer"
            }
          },
          "required": [
            "deductible",
            "annual_premium"
          ]
        }
      },
      "expected_claims_per_year": {
        "type": "number"
      },
      "average_claim_amount": {
        "type": "integer"
      },
      "surcharge_percent": {
        "type": "integer"
      },
      "surcharge_years": {
        "type": "integer"
      },
      "cash_buffer": {
        "type": "integer"
      }
    },
    "required": [
      "tool",
      "coverage_type",
      "options",
      "expected_claims_per_year",
      "average_claim_amount",
      "surcharge_percent",
      "surcharge_years",
      "cash_buffer"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "rankedOptions": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "deductible": {
              "type": "number"
            },
            "annualPremium": {
              "type": "number"
            },
            "expectedAnnualTotalCost": {
              "type": "number"
            }
          }
        }
      },
      "expectedAnnualTotalCost": {
        "type": "number"
      },
      "breakEvenClaimFrequencyPairs": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "optionA": {
              "type": "number"
            },
            "optionB": {
              "type": "number"
            },
            "claimFrequency": {
              "type": "number"
            }
          }
        }
      },
      "cashBufferWarnings": {
        "type": "array",
        "items": {}
      },
      "sensitivityTable": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "scenario": {
              "type": "string"
            },
            "claimsPerYear": {
              "type": "number"
            },
            "lowestCostDeductible": {
              "type": "number"
            }
          }
        }
      }
    }
  }
}