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Insurance Policy

核心功能:提取并解读保险保单的保障范围、除外责任、免赔额、保费等关键信息,用通俗语言呈现结构化摘要,解答具体保障问题,提示潜在保障缺口。典型场景:用户上传/粘贴保单、询问是否覆盖特定事项、想理解免赔额等术语、购前需保单总结、咨询除外责任或等待期。输入为保单文本或相关问题,输出为清晰的结构化解读与问答。

jiwenbing
jiwenbing
热度 58.21
最近更新 2026-05-11 17:32:45
分类:效率依赖:读写文件 / 内部调用大模型应用场景:摘要总结 / 法律文档

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"