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保险科技
by
ai-gaoqian
· GitHub ↗
· v1.0.0
· MIT-0
39
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Install in OpenClaw
/install insurtech-automation
Description
专注保险行业的AI智能体技能，支持保单智能管理、理赔流程自动化、风险评估建模、保险产品对比推荐、合规审查与续保提醒。覆盖寿险、财产险、健康险、车险等全部主流险种。
README (SKILL.md)
保险科技 (InsurTech Automation)
概述
为保险行业的代理人、经纪人和消费者提供智能化保险服务能力，从产品推荐到理赔跟进一站式覆盖。利用AI推理能力实现精准风险评估和个性化保险方案。
核心能力
1. 保单智能管理
- 多保单统一视图（保险公司、险种、保额、保费、到期日）
- 续保提前预警与缴费提醒
- 保单条款快速查询与解读
2. 理赔流程自动化
- 理赔材料清单自动生成（按险种/事故类型）
- 理赔进度追踪与催办
- 理赔金额预估（基于历史赔付数据与条款匹配）
3. 风险评估建模
- 个人/企业风险画像（健康、财产、责任、信用）
- 保险缺口分析（已有保障 vs 实际需求）
- 行业风险数据库查询（地区灾害、行业事故率）
4. 产品对比与推荐
- 同类保险产品多维对比（保障范围、价格、免责条款、理赔率）
- 基于用户画像的个性化产品推荐
- 保费试算与性价比分析
5. 合规与监管辅助
- 保险条款合规性审查（是否符合最新监管要求）
- 销售话术合规检查
- 监管政策变动追踪（银保监会、保协最新文件）
使用方式
分析我的保单 [保单文件路径] 是否存在保障缺口
为 [年龄/职业/健康状况] 推荐适合的重疾险
检查 [理赔材料] 是否齐全，预估理赔金额
对比 [产品A] 和 [产品B] 的优劣
输出格式
- 保单总览：多险种保障矩阵表格
- 风险报告：风险评分 + 缺口清单 + 建议方案
- 产品对比：多维度对比表格 + 综合推荐
- 理赔指引：材料清单 + 流程步骤 + 时效预估
适用场景
- 保险代理人提升展业效率与专业度
- 个人/家庭保险规划与管理
- 企业团险方案设计与优化
- 保险科技平台的智能核保辅助
注意事项
- 保险产品数据需要定期更新以保持时效性
- 理赔金额预估仅供参考，实际以保险公司核定为准
- 数据底座覆盖中国保险行业协会公开数据及主流保险公司产品库
- 涉及具体保单的操作需用户确认后执行
Usage Guidance
Before installing, consider that this skill may process sensitive insurance, medical, financial, or identity documents. Use it only with files you intend the agent to inspect, verify regulatory and product claims against official sources, and treat coverage recommendations or claim estimates as advisory rather than final professional advice.
Capability Assessment
Purpose & Capability
The skill supports policy review, claims guidance, risk assessment, product comparison, and compliance checks; these can involve sensitive insurance, health, financial, and identity information, but the capabilities are coherent with the stated purpose.
Instruction Scope
The runtime instructions are user-directed examples and explicitly say specific policy-related operations require user confirmation.
Install Mechanism
The artifact contains a single UTF-8 markdown SKILL.md file and no executable scripts, package installs, setup hooks, or bundled code.
Credentials
Requested web search, file system, PDF processing, and structured-data access are proportionate for reading policy documents and checking current insurance products or regulations.
Persistence & Privilege
No persistence, background workers, credential access, privilege escalation, destructive actions, or automatic mutation authority are described.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install insurtech-automation - After installation, invoke the skill by name or use
/insurtech-automation - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
- 首次发布保险科技智能体技能，版本 1.0.0
- 支持保单智能管理、理赔流程自动化、风险评估建模、保险产品对比推荐、合规审查与续保提醒
- 全面覆盖寿险、财产险、健康险、车险等主流险种
- 适用于保险代理人、消费者及企业，提升保险管理与服务效率
Metadata
Frequently Asked Questions
What is 保险科技?
专注保险行业的AI智能体技能，支持保单智能管理、理赔流程自动化、风险评估建模、保险产品对比推荐、合规审查与续保提醒。覆盖寿险、财产险、健康险、车险等全部主流险种。 It is an AI Agent Skill for Claude Code / OpenClaw, with 39 downloads so far.
How do I install 保险科技?
Run "/install insurtech-automation" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is 保险科技 free?
Yes, 保险科技 is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does 保险科技 support?
保险科技 is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created 保险科技?
It is built and maintained by ai-gaoqian (@ai-gaoqian); the current version is v1.0.0.
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