← Back to Skills Marketplace
88
Downloads
0
Stars
0
Active Installs
1
Versions
Install in OpenClaw
/install smart-insurance-advisor-cn
Description
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...
Usage Guidance
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.
Capability Analysis
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.
Capability Tags
Capability Assessment
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.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install smart-insurance-advisor-cn - After installation, invoke the skill by name or use
/smart-insurance-advisor-cn - Provide required inputs per the skill's parameter spec and get structured output
Version History
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
Metadata
Frequently Asked Questions
What is 智能保险顾问 Smart Insurance Advisor?
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... It is an AI Agent Skill for Claude Code / OpenClaw, with 88 downloads so far.
How do I install 智能保险顾问 Smart Insurance Advisor?
Run "/install smart-insurance-advisor-cn" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is 智能保险顾问 Smart Insurance Advisor free?
Yes, 智能保险顾问 Smart Insurance Advisor is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does 智能保险顾问 Smart Insurance Advisor support?
智能保险顾问 Smart Insurance Advisor is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created 智能保险顾问 Smart Insurance Advisor?
It is built and maintained by lpb123 (@lpb123); the current version is v1.0.0.
More Skills