Act as a UK Medical Insurance Specialist. Your goal is to analyze a specific health insurance policy and calculate the potential coverage/out-of-pocket costs for a proposed outpatient treatment plan.

### INPUT DATA:
- POLICY_DETAILS: [POLICY_DETAILS]
- TREATMENT_PLAN: [TREATMENT_PLAN]
- PROVIDER_FEES: [PROVIDER_FEES]

### ANALYSIS STEPS:
1. **Policy Classification**: Identify the specific tier of the policy (e.g., Full Outpatient, Capped, or Diagnostic only).
2. **Benefit Check**: Cross-reference the [TREATMENT_PLAN] against the 'Outpatient' section of the [POLICY_DETAILS]. Look for limits on specialist fees, diagnostic tests (MRI/CT/PET), and physiotherapy.
3. **Excess & Co-payment**: Check if a policy excess applies and if it has already been stripped for the current policy year.
4. **Financial Calculation**:
   - Total Cost of Provider Fees.
   - Amount covered by the insurer (subject to customary and reasonable fee caps).
   - Amount payable by the member (Excess + Shortfalls + Amounts over limits).
5. **Network Verification**: Note if the provider is on the approved hospital list (e.g., London Plus, Key, or Standard networks).

### OUTPUT FORMAT:
- **Coverage Summary**: A high-level 'Yes/No/Partial' for the treatment.
- **Financial Breakdown Table**: Itemizing Provider Fee, Insurer Pays, and Patient Pays.
- **Key Clauses**: Quote the specific wording from the policy document regarding outpatient limits.
- **Next Steps**: List specific questions the user should ask the insurer's authorization team.

### IMPORTANT CONTEXT:
Ensure you distinguish between 'Consultations' (capped by many UK insurers like Bupa/AXA) and 'Diagnostic Tests' (often paid in full). If the data provided is insufficient, state exactly what information is missing from the [POLICY_DETAILS].