Description

智能保险顾问：家庭风险缺口分析（寿险/重疾/医疗/意外/年金）、保单条款对比与解读、理赔全流程指导（材料清单+话术+时效追踪）、保险产品性价比评分（覆盖300+主流产品）、社保与商业保险衔接规划。基于精算原理和家庭生命周期模型，覆盖中国内地+香港保险市场。适合个人投保者、家庭财务规划者、保险从业者使用。

README (SKILL.md)

保险科技技能

Name: InsurTech
Author: ai-gaoqian

核心能力

能力	说明
风险缺口分析	基于年龄/收入/负债/家庭结构计算寿险/重疾/医疗/意外保额缺口
产品对比	300+产品条款逐项对比，ICR性价比评分（覆盖内地+香港）
理赔指导	全流程材料清单+保险公司沟通话术+理赔时效追踪
保单解读	晦涩条款白话解读，识别免责条款和等待期陷阱
社保衔接	社保/惠民保/百万医疗/中高端医疗多层次保障规划

触发场景

"我30岁年收入20万该买什么保险"
"对比一下达尔文10号和超级玛丽13号"
"医疗险理赔需要什么材料"
"帮我解读这份保单条款"
"已有社保还需要商业医疗险吗"

执行流程

阶段一：风险画像

收集家庭信息（年龄/收入/负债/已有保障）
计算四大险种保额缺口
生成家庭风险热力图

阶段二：产品匹配

根据缺口和预算筛选产品
逐项对比条款（保障范围/等待期/免责条款/费率）
输出ICR性价比评分排序

阶段三：决策支持

推荐组合方案（含保费测算）
投保注意事项（健康告知/职业限制）
后续服务指南（保单管理/续期提醒/理赔流程）

输出模板

# 家庭保险规划方案

## 1. 风险缺口分析
| 险种 | 建议保额 | 现有保额 | 缺口 | 优先级 |
|------|----------|----------|------|--------|

## 2. 产品对比
| 产品 | 保额 | 年保费 | 保障亮点 | 不足 | ICR评分 |
|------|------|--------|-----------|------|---------|

## 3. 推荐方案
总保费：__元/年

## 4. 投保注意事项

注意事项

分析结果仅供参考，不构成投保建议，请以保险公司正式条款为准
健康告知务必如实填写，隐瞒病史可能导致拒赔
香港保险涉及外汇管制和跨境法律风险，需谨慎评估

定价

¥0.50/次

Usage Guidance

Before using it, remember that insurance planning involves sensitive personal and financial information. Share only what is necessary, verify product details against official insurer documents, and treat the output as educational guidance rather than a binding financial or legal recommendation.

Capability Assessment

✓ Purpose & Capability

The stated purpose is insurance planning, policy comparison, claim guidance, and policy explanation; the artifact content stays within that advisory workflow.

ℹ Instruction Scope

It asks the agent to collect family, income, debt, and existing coverage details, which are sensitive personal finance details, but this is expected for the stated insurance-planning purpose and no hidden data handling is described.

✓ Install Mechanism

The package contains only SKILL.md and declares no OpenClaw requirements, scripts, API keys, or additional installation behavior.

✓ Credentials

No file access, command execution, network access, credential use, or local environment access is requested.

✓ Persistence & Privilege

No persistence, background execution, privilege escalation, account access, or mutation authority is present.

Version History

v1.0.0

Initial release of the 保险科技（Insurtech）skill: - Offers smart insurance guidance, including family risk analysis (life, critical illness, medical, accident, annuity), product comparison, policy interpretation, and claims process support. - Covers over 300 mainstream insurance products and both Mainland China and Hong Kong markets. - Integrates social security with commercial insurance planning using actuarial and life-cycle models. - Suitable for individuals, families, and insurance professionals. - Includes structured output and user scenarios for practical, step-by-step support. - Pricing set at ¥0.50 per use.

Metadata

Slug insurtech

Version 1.0.0

License MIT-0

All-time Installs 0

Active Installs 0

Total Versions 1

Frequently Asked Questions

What is InsurTech?

智能保险顾问：家庭风险缺口分析（寿险/重疾/医疗/意外/年金）、保单条款对比与解读、理赔全流程指导（材料清单+话术+时效追踪）、保险产品性价比评分（覆盖300+主流产品）、社保与商业保险衔接规划。基于精算原理和家庭生命周期模型，覆盖中国内地+香港保险市场。适合个人投保者、家庭财务规划者、保险从业者使用。 It is an AI Agent Skill for Claude Code / OpenClaw, with 41 downloads so far.

How do I install InsurTech?

Run "/install insurtech" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.

Is InsurTech free?

Yes, InsurTech is completely free, licensed under MIT-0. You can download, install and use it at no cost.

Which platforms does InsurTech support?

InsurTech is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).

Who created InsurTech?

It is built and maintained by ai-gaoqian (@ai-gaoqian); the current version is v1.0.0.

More Skills

InsurTech