“How do I get my money back?” and “Refund policy” share no words, yet they're about the same thing. Search by meaning needs a way to see that.
An embedding model turns a piece of text into a list of numbers, called a vector. It's trained so that texts with similar meaning get similar vectors. You embed every chunk once, ahead of time. At question time you embed the question and look for the chunks whose vectors sit closest to it.
“Closest” is usually cosine similarity: how closely two vectors point the same way. 1 means the same direction, 0 means unrelated.