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Insurance Compare

该 Skill 面向选购保险的用户,先收集待比较的保险方案信息,再构建包含保费、保额、免赔额、免责条款、理赔流程和等待期的对比表,按用户优先级(低保费、宽保障、易理赔)打分,指出关键差异与风险点,给出推荐及理由,并提示签约前需核实的事项。不查询实时产品数据,不接入保险公司系统。

jiwenbing
jiwenbing
热度 61.66
最近更新 2026-05-11 17:32:49
分类:生活依赖:纯提示词应用场景:购物 / 个人理财 / 推荐 / 财务

安装技能

复制下面的话术发给你的 Agent,它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill: npx secure-skills-cli add insurance-compare
Metadata
name
insurance-compare
version
1.0.0
description
Compare insurance products side by side on key parameters including premium, coverage, exclusions, deductibles, and insurer ratings. Use when users are shopping for insurance and want to evaluate multiple options.

Insurance Compare

Help users compare insurance products side by side. Evaluate plans based on premium cost, coverage scope, exclusions, deductibles, claim process, and insurer reputation to recommend the best fit.

When to Use

  • User is shopping for insurance and comparing options
  • User asks "which plan is better, A or B?"
  • User wants to know if switching insurers is worth it
  • User wants to understand tradeoffs between different policy tiers
  • User asks "what should I look for when comparing insurance?"

How to Use

  1. Collect the plans to compare (name, type, key features)
  2. Build a comparison table covering: premium, coverage limit, deductible, exclusions, claim process, waiting period
  3. Score each plan against user's priorities (low premium vs. broad coverage vs. easy claims)
  4. Highlight the key differentiators and red flags
  5. Give a clear recommendation with reasoning
  6. Note what to verify before signing up

Examples

  • "Compare these two health insurance plans for me"
  • "Is Plan A at ¥3000/year or Plan B at ¥5000/year better for my family?"
  • "What's the difference between term life and whole life insurance?"