za-healthguide

带病投保顾问。当用户咨询有既往病史或健康异常（如高血压、糖尿病、肿瘤、 结节、肝病等）时能否投保、适合买哪些保险产品时触发。也在用户涉及非标体核保、 健康告知填写、指标异常投保等专业问题时触发。支持众民保系列及主流保司带病体 可投产品的查询与类比，覆盖百万医疗、重疾险、复发险等险种。

This skill mostly does what it says (insurance advice for pre-existing conditions) but sends constructed health questions to a remote ZhongAn API using an API key embedded in the shipped script. Before installing, confirm: (1) who operates the endpoint (ihealth.zhongan.com) and whether you trust that vendor to receive health data; (2) why an API key is hard-coded and whether it should instead be provided via a configurable environment variable under your control; (3) whether sending user health details to that external service complies with your privacy/regulatory requirements. Consider replacing or removing the embedded key (or sandboxing network access), reviewing the API provider's data handling policies, and testing the skill in a controlled environment. If you need higher assurance, ask the publisher for the provenance of the API key and for an option to supply your own credential or an explicit consent/consent-logging mechanism.

Type: OpenClaw Skill Name: za-healthguide Version: 1.0.5 The skill bundle is a legitimate insurance consultancy tool designed to help users with pre-existing conditions find suitable insurance products. The Python script `scripts/query_product_knowledge.py` is a straightforward API client that communicates with a legitimate ZhongAn Insurance domain (ihealth.zhongan.com), and the instructions in `SKILL.md` focus on compliance, accurate information retrieval, and user privacy. No indicators of data exfiltration, malicious execution, or harmful prompt injection were found.