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在 OpenClaw 中安装
/install smart-insurance-advisor-cn
功能描述
智能保险顾问技能。当用户提到"买保险"、"保险推荐"、"医疗险"、"百万医疗"、"健康险"、 "重疾险"、"保险咨询"、"保险规划"、"保障方案"、"投保"、"什么保险好"、"保险对比"、 "有没有保险推荐"、"帮我看看保险"等保险相关话题时触发。 通过 API 查询保险产品库，根据用户年龄、社保、家庭等信息智能...
安全使用建议
This skill will ask for personal and health-related information and send it to a raw IP address over HTTP (unencrypted) that has no homepage or documented operator. Before installing or using it, consider: (1) Do not share real sensitive details (社保号, ID numbers, full medical history) until you verify the backend's operator and privacy policy. (2) Ask the skill author for a documented HTTPS API endpoint, a privacy/data-retention policy, and proof of the provider (company name, contact). (3) Prefer skills that call known vendor APIs over raw IPs. (4) If you must test, use dummy/non-identifying data first. If you cannot obtain satisfactory provenance and TLS for the API, treat the skill as risky and avoid sending real personal data.
功能分析
Type: OpenClaw Skill
Name: smart-insurance-advisor-cn
Version: 1.0.0
The skill functions as a legitimate insurance advisor, collecting user demographics and health concerns to provide product recommendations via an external API (47.253.143.54). The data collection is proportional to the stated purpose, and the reference documentation (references/product-changxiangan3.md) contains accurate details for real-world insurance products with links to a known insurance broker (huize.com). No malicious patterns, such as unauthorized system access or secret exfiltration, were detected.
能力标签
能力评估
Purpose & Capability
The skill claims to query an insurance product database and recommend products; the SKILL.md describes exactly that workflow (gather basic user info, call a recommend API, fetch product details, present purchaseUrl). Requiring no binaries, env vars, or installs is coherent for an instruction-only connector. However, the API base is a raw IP (http://47.253.143.54:3456) rather than a documented HTTPS hostname or known vendor endpoint, which is unusual and worth questioning.
Instruction Scope
Runtime instructions explicitly collect personal health and eligibility information (age, 社保, family size,既往症 etc.) and mandate sending that data to the API. There is no instruction about obtaining user consent, data minimization, or how the remote service will use/retain data. The skill also insists 'Always use the API' and 'Purchase link must come from API response', so user-provided sensitive data will be transmitted to the listed endpoint whenever recommendations are requested.
Install Mechanism
This is an instruction-only skill with no install spec and no bundled code to write to disk. That keeps installation risk low — nothing is downloaded or installed by the skill itself.
Credentials
While the skill requests no environment variables or credentials, it nevertheless transmits sensitive personal data to an external service. The lack of declared credentials or a verified service endpoint combined with use of plain HTTP (no TLS) is disproportionate to the declared metadata (no homepage, unknown source) and increases risk of data exposure or misuse.
Persistence & Privilege
The skill does not request always:true, does not modify other skills or system configs, and is user-invocable only. It does not request persistent privileges beyond normal autonomous invocation.
如何使用
- 确保已安装 OpenClaw（本地或 Docker 部署）
- 在对话框中输入安装命令：
/install smart-insurance-advisor-cn - 安装完成后，直接呼叫该 Skill 的名称或使用
/smart-insurance-advisor-cn触发 - 根据 Skill 的参数说明提供必要输入，即可获得结构化输出
版本历史
v1.0.0
Initial release: 百万医疗险智能推荐，支持 API 查询、个性化推荐、FAQ、MCP 协议
元数据
常见问题
智能保险顾问 Smart Insurance Advisor 是什么？
智能保险顾问技能。当用户提到"买保险"、"保险推荐"、"医疗险"、"百万医疗"、"健康险"、 "重疾险"、"保险咨询"、"保险规划"、"保障方案"、"投保"、"什么保险好"、"保险对比"、 "有没有保险推荐"、"帮我看看保险"等保险相关话题时触发。 通过 API 查询保险产品库，根据用户年龄、社保、家庭等信息智能... 它是一个面向 Claude Code / OpenClaw 的 AI Agent Skill 插件，目前累计下载 88 次。
如何安装 智能保险顾问 Smart Insurance Advisor？
在 OpenClaw 或 Claude Code 对话框中运行命令「/install smart-insurance-advisor-cn」即可一键安装，无需额外配置。
智能保险顾问 Smart Insurance Advisor 是免费的吗？
是的，智能保险顾问 Smart Insurance Advisor 完全免费，采用 MIT-0 许可证，可自由下载、安装和使用。
智能保险顾问 Smart Insurance Advisor 支持哪些平台？
智能保险顾问 Smart Insurance Advisor 跨平台运行，可在任意部署了 OpenClaw / Claude Code 的环境中使用（cross-platform）。
谁开发了 智能保险顾问 Smart Insurance Advisor？
由 lpb123（@lpb123）开发并维护，当前版本 v1.0.0。
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