If you trust the employer, them answering "we're not allowed to discuss that" should be enough. What HR policy could forbid the employer from saying "No, we don

If you trust the employer, them answering "we're not allowed to discuss that" should be enough. What HR policy could forbid the employer from saying "No, we don't have that" if they didn't? If you don't trust them, and they might hint at having insurance as a carrot to tempt you to sign, this doesn't apply.