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保险科技智能引擎
by
ai-gaoqian
· GitHub ↗
· v1.0.0
· MIT-0
36
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Install in OpenClaw
/install insurtech-intelligence-engine
Description
保险全价值链AI助手。覆盖产品精算定价、智能核保、理赔反欺诈、再保险优化、偿付能力管理（偿二代/C-ROSS/Solvency II）、IFRS 17准则适配、保险产品条款对比、代理人培训知识库。内置中国/亚太/欧美保险监管规则库与行业基准费率表。
README (SKILL.md)
保险科技智能引擎
概述
面向保险公司、经纪公司和保险科技企业的全价值链AI技能，覆盖产品设计、精算定价、核保承保、理赔管理、再保险安排和监管合规六大核心环节。
核心能力
1. 产品精算与定价
- 非寿险/寿险定价模型指导
- GLM/GAM/机器学习费率因子分析
- IBNR/IBNER 准备金评估方法
- 经验费率与奖惩系统（BMS/NCD）
- 巨灾风险建模（CAT Modeling）
2. 智能核保引擎
- 健康告知自然语言解析
- 体检报告自动解读与评分
- 职业/爱好/旅行风险分类
- 次标准体加费/除外建议
- 团体保险经验费率评估
3. 理赔管理与反欺诈
- 理赔材料完整性与真实性核查
- 医疗费用合理性审核（医保三目录对照）
- 关联网络欺诈检测（SNA）
- 车险定损辅助（配件/工时参考）
- 诉讼风险预测与和解建议
4. 再保险优化
- 比例/非比例再保方案比选
- 巨灾超赔层结构设计
- 再保账单对账自动化
- 最优自留额测算
5. 监管合规
- 偿二代二期（C-ROSS Phase II）指标监控
- Solvency II SCR/MCR 计算
- IFRS 17 保险合同准则适配
- RBC（风险资本）框架
- 保险保障基金缴纳计算
6. 产品条款智能对比
- 多产品保障范围横向对比
- 免责条款/等待期/犹豫期提取
- 条款通俗化改写建议
- 竞品费率与保障ROI分析
内置知识库
- 中国银保监会/CBIRC 监管法规库
- 保险行业协会示范条款库
- 人身保险伤残评定标准
- ICD-11 疾病分类编码映射
- 各险种行业基准赔付率参考
输出格式
- 产品定价备忘录（Markdown/PDF）
- 核保建议书
- 理赔审核报告
- 偿付能力监控仪表板
- 条款对比矩阵表
Usage Guidance
Before installing, treat this as a high-sensitivity insurance advisory skill. Redact unnecessary personal identifiers, avoid sharing more medical or claims detail than needed, confirm consent and lawful basis for processing, and have qualified professionals verify underwriting, claims, regulatory, and compliance outputs before acting on them.
Capability Assessment
Purpose & Capability
The skill describes insurance pricing, underwriting, claims review, fraud analysis, reinsurance, solvency, and compliance support; these are high-impact insurance workflows but they match the stated purpose.
Instruction Scope
The instructions are broad advisory capabilities and include medical reports and claims materials, but they do not direct hidden actions, autonomous account changes, bypasses, or destructive behavior.
Install Mechanism
The artifact contains only a SKILL.md markdown file with no executable scripts, package installs, API keys, or privileged setup steps.
Credentials
Use of sensitive health, claims, and financial context is expected for underwriting and claims review, but the skill does not include explicit privacy, consent, or data minimization guidance.
Persistence & Privilege
No persistence, background workers, credential access, local indexing, session reuse, or privilege escalation instructions were found.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install insurtech-intelligence-engine - After installation, invoke the skill by name or use
/insurtech-intelligence-engine - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
- Initial release of the 保险科技智能引擎 skill.
- Provides an AI-powered assistant for the full insurance value chain, including product pricing, automated underwriting, claims fraud detection, reinsurance optimization, solvency management, and IFRS 17 adaptation.
- Features regulatory compliance libraries for China, Asia Pacific, Europe, and North America.
- Supports insurance product clause comparison, agent training knowledge base, and industry benchmark rates.
- Output formats include pricing memos, underwriting advice, claims audit reports, solvency dashboards, and clause comparison matrices.
Metadata
Frequently Asked Questions
What is 保险科技智能引擎?
保险全价值链AI助手。覆盖产品精算定价、智能核保、理赔反欺诈、再保险优化、偿付能力管理（偿二代/C-ROSS/Solvency II）、IFRS 17准则适配、保险产品条款对比、代理人培训知识库。内置中国/亚太/欧美保险监管规则库与行业基准费率表。 It is an AI Agent Skill for Claude Code / OpenClaw, with 36 downloads so far.
How do I install 保险科技智能引擎?
Run "/install insurtech-intelligence-engine" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is 保险科技智能引擎 free?
Yes, 保险科技智能引擎 is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does 保险科技智能引擎 support?
保险科技智能引擎 is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created 保险科技智能引擎?
It is built and maintained by ai-gaoqian (@ai-gaoqian); the current version is v1.0.0.
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