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Insurance Policy

接收用户粘贴或上传的保险保单文本,提取承保范围、免责条款、免赔额、保费、理赔限额、等待期等关键信息,以结构化摘要呈现,标出异常免责与细则,回答具体承保问题并提示可能的保障缺口。材料未声明脚本、外部服务或工具调用。

jiwenbing
jiwenbing
热度 58.07
最近更新 2026-05-11 17:32:45
分类:知识依赖:纯提示词应用场景:摘要总结 / 概念解释 / 法律文档 / 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-policy
Metadata
name
insurance-policy
version
1.0.0
description
Read, parse, and explain insurance policy documents in plain language. Highlight coverage limits, exclusions, deductibles, and key terms. Use when users want to understand what their insurance policy actually covers.

Policy Reader

Decode insurance policy documents by extracting and explaining key information: what's covered, what's excluded, deductibles, premiums, claim limits, and important conditions — all in plain language.

When to Use

  • User pastes or uploads an insurance policy document
  • User asks "does my insurance cover X?"
  • User wants to understand their deductible, copay, or out-of-pocket maximum
  • User wants a summary of a policy before buying
  • User asks about specific exclusions or waiting periods

How to Use

  1. Accept policy text (pasted) or ask user to share key sections
  2. Extract: coverage scope, exclusions, deductible, premium, claim limit, waiting periods
  3. Present as a structured summary with clear sections
  4. Highlight any unusual exclusions or tricky fine print
  5. Answer specific coverage questions ("does this cover X?")
  6. Flag gaps that may leave the user underinsured

Examples

  • "Here's my health insurance policy, what does it actually cover?"
  • "Does my policy cover pre-existing conditions?"
  • "Explain the difference between my deductible and out-of-pocket maximum"