Insurance Skills

Instructions for managing the PostgreSQL schema, writing SQL queries, and maintaining data integrity for the insurance analytics project.

risk response strategy pattern library. response-strategist and monitoring-planner agent risk response plan establishto do when reference. 'risk response', 'mitigation strategy', 'response plan' request when usage. However, insurance design legal risk specialistdocument scope outside.

Senior social security expert specializing in pension insurance, medical coverage, unemployment benefits, workers' compensation, and maternity leave administration

Produces a forward-looking supply/demand analysis for a specific submarket and property type. Combines quantitative pipeline tracking with disruption overlays (PropTech, ESG/climate, insurance hardening, AI impact). Delivers a 3-year quarterly forecast with scenario branching, replacement cost analysis, and development feasibility signal.

Assesses physical and transition climate risk for CRE properties and portfolios. Translates hazard exposure (flood, wind, wildfire, extreme heat, sea level rise) and regulatory/market shifts into financial impacts on NOI, cap rates, insurance costs, and tenant demand. Produces dollar-denominated risk, not abstract hazard scores.

Manage construction contract administration from the field perspective. Covers AIA contract forms (A101, A201, A401), bond types and requirements, mechanics lien law, insurance verification, indemnification, dispute resolution, and subcontractor default procedures. Provides practical field guidance for notice requirements, lien waiver processing, COI verification, and claims documentation. Integrates with pay-application (lien waivers), change-order-tracker (constructive changes), delay-tracker (notice provisions), sub-performance (default triggers), and cost-tracking (back-charges). Triggers: "contract", "contract admin", "AIA", "A201", "A101", "bond", "performance bond", "payment bond", "lien", "lien waiver", "mechanics lien", "insurance", "COI", "certificate of insurance", "OCIP", "CCIP", "indemnification", "dispute", "mediation", "arbitration", "notice", "cure notice", "default", "sub default", "termination for cause", "claims", "ConsensusDocs", "EJCDC".

当用户需要判断某项损失或疾病是否在保险责任范围内时使用此 skill。适用于理赔责任判定、免责条款解读、保障范围咨询等场景。

Generate freight documents (Bill of Lading, Rate Confirmation) and check carrier/broker compliance via FMCSA. Track insurance expiries and authority status. Use when a broker needs to generate a BOL or Rate Con, wants to verify carrier compliance, needs to check upcoming document expiries, or when booking a load. Triggered by phrases like "generate BOL", "generate rate con", "compliance check MC#", "upcoming expiries", or "document for load".

Load this skill when the user asks specific insurance education questions in the Indian context, such as term vs endowment vs ULIP, riders, claim settlement process, nominee concepts, or policy jargon; do not load for generic budgeting or emergency fund queries.

Analyzes and compares health insurance plans (individual vs group), calculates costs, verifies networks, and generates formatted comparison reports for decision-making

Navigate the Israeli pension and savings system including pension funds (keren pensia), manager's insurance (bituach menahalim), training funds (keren hishtalmut), and retirement planning. Use when user asks about Israeli pension, "pensia", "keren hishtalmut", retirement savings, "bituach menahalim", pension contributions, or tax benefits from savings. Uninformed pension decisions cost hundreds of thousands of NIS over a lifetime. Covers mandatory pension, voluntary savings, and withdrawal rules. Do NOT provide specific investment recommendations or fund performance comparisons.

Manage vehicle ownership in Israel: annual test (test/טסט), registration renewal (chidush rishayon rechev), used car purchase checks, insurance requirements, and transfer of ownership. Use when a user asks about their vehicle test date, how to renew their car registration, what to check before buying a used car in Israel, or understanding Israeli car insurance types. Prevents costly surprises like failed tests, expired registrations, and liens on purchased vehicles.

Healthcare program modeling in PolicyEngine-US — Medicaid, ACA marketplace, CHIP, and Medicare. Covers encoding rules, running analyses, and navigating the unique complexity of US healthcare programs. Triggers: "healthcare", "health insurance", "Medicaid", "ACA", "CHIP", "Medicare", "marketplace", "premium tax credit", "APTC", "PTC", "SLCSP", "benchmark plan", "rating area", "age curve", "family tier", "coverage gap", "Medicaid expansion", "MAGI", "medicaid_magi", "aca_magi", "medicaid_income_level", "medicaid_category", "enrollment", "takeup", "take-up", "per capita", "CSR", "cost sharing", "insurance premium", "second lowest silver", "required contribution percentage", "42 CFR", "IRC 36B", "categorical eligibility", "expansion adult", "healthcare reform", "healthcare analysis", "health policy".

Expert Risk Management Actuary skill for calculating Economic Capital, Value at Risk (VaR), Conditional Tail Expectation (CTE), and performing Stochastic Monte Carlo simulations for ALM.

This skill should be used when users ask about Chinese social security (社保) policies, contribution calculations, retirement benefits estimation, social security planning, or any province/city-specific social insurance regulations. Trigger phrases include: 社保、养老保险、医疗保险、失业保险、工伤、生育险、缴费基数、退休金、养老金、灵活就业参保、社保转移、断缴、居民医保、职工医保、五险一金、延迟退休、社保档位、社保补贴、4050补贴、社保优惠 etc.

Query Estonian Unemployment Insurance Fund statistics and studies for labor-market, unemployment, and employment-service indicators.

Analyze agricultural climate risk systems for weather impact modeling, crop insurance, drought/flood prediction, soil moisture, and carbon tracking. Use when: 'assess crop climate risk', 'evaluate weather yield models', 'review crop insurance integration', 'audit drought prediction', 'check carbon sequestration tracking', 'analyze farm adaptation planning', 'evaluate DSSAT or APSIM models'.

Expert in used vehicle sales business - market dynamics, pricing strategies, financing, insurance, dealer operations, customer acquisition, inventory management, and automotive industry regulations in Mexico

Automatically detect and de-identify PII (Personal Identifiable Information) and PHI (Protected Health Information) from clinical/medical text to ensure HIPAA compliance. Trigger when processing medical records, patient data, clinical notes, insurance information, or any healthcare-related text containing potential patient identifiers.

Valuation criteria for emerging market insurance stocks. P/B 0.5-1.0x with 30-50% EM discount, combined ratio targets, and China vs India market comparisons.

Insurance Policy Tracker

Review the insurance product design, payout terms, and pricing assumptions for viability and profitability. Use when critiquing thesis, economics, risk controls, underwriting assumptions, premium strategy, and solvency posture of this vehicle insurance protocol.

Calculate municipal property tax (arnona) for Israeli properties, check discount eligibility, and draft appeal letters to arnona committees. Use when a user needs to estimate arnona payments by municipality, zone, and property usage type, verify eligibility for discounts (olim, soldiers, elderly, disabled, low income, students, single parents), or prepare formal appeals with legal references. Covers all major Israeli municipalities including Tel Aviv, Jerusalem, Haifa, and Beer Sheva. Do NOT use for income tax (mas hachnasa), VAT (maam), or national insurance (bituach leumi) calculations, which fall under separate Israeli tax authorities.

Guide creation of new industry use cases for the Adobe Experience Platform blueprints repository. Use this skill when adding a new use case to an industry vertical (retail, automotive, healthcare, financial services, insurance, media & entertainment, telecommunications, travel & hospitality, B2B), when the user wants to add business scenarios to industry pages, or when updating the use case catalog. Handles the full workflow: gathering use case details, assessing maturity level, generating content, updating the industry overview page and use case catalog, and invoking the use-case-icon-generator skill for icon creation.

Guide users through filing property damage claims from rocket attacks and hostilities in Israel: documenting damage, filing with the Tax Authority Compensation Fund (Keren Pitzuim), home contents insurance claims, assessor visits, and appeals. Use when user asks about property damage from war, rockets, missiles, 'nezek yashir', 'mas rechush', 'keren pitzuim', compensation fund, war damage claim, damaged apartment, broken windows from blast, or how to get compensation for hostility damage. Covers both the fast track (up to NIS 30,000) and regular track, optional contents insurance via the Tax Authority, and the appeal process (va'adot erar). Do NOT use for indirect/economic damage to businesses (nezek akifi), personal injury claims (use israeli-bituach-leumi), car damage from war (handled separately by insurance companies), or general home insurance comparisons (use israeli-insurance-comparator).

Step-by-step guidance for DACH-specific governmental procedures including Anmeldung, Finanzamt registration, health insurance enrollment, and social security coordination. Use after arriving in a DACH country and needing to complete mandatory registrations, before a specific appointment to understand what to expect, when an initial registration attempt was rejected, when transitioning between DACH countries, or when handling registrations for dependents alongside your own.

AI-powered synthetic population simulator with clean architecture, Python type safety, and professional dashboard design patterns

Core concepts for property insurance coverage analysis including policy types, coverage limits, and common exclusions

Use when translating French auto insurance business terms to English, editing rejection reasons, or introducing/changing domain vocabulary that must stay aligned with the FR->EN lexicon table.

Analyze French rental property investments with comprehensive financial modeling. Use when analyzing French properties, calculating mortgage payments, ROI, cash flow projections, or break-even analysis. Includes French-specific costs like arrangement fees (1%), registration fees (1.5%), survey fees (€750), and mandatory life insurance (0.4% annually).

Retrieves and analyzes FHIR Coverage and Organization resources to produce a structured insurance summary with coordination of benefits analysis. Use when user asks to "check insurance", "coverage details", "verify coverage", "insurance summary", "what plan is the patient on", "primary vs secondary insurance", or "coverage status". Do NOT use for clinical data, demographics beyond insurance, or billing claim submission.

Automate Israeli government form filling via Playwright browser automation and PDF population. Prevents hours of manual form filling and data entry errors on government portals. Use when user asks about filling government forms, "tofes" (form), "milui tfasim" (form filling), "gov.il" portal submissions, online form submission, Rashut HaMisim (Tax Authority) filings, Bituach Leumi (National Insurance) claims, or Rasham HaChevarot (Companies Registrar) documents. Validates Teudat Zehut (ID numbers) with check digit, Israeli phone numbers (+972), and Hebrew address fields. Supports Doch Shnati (annual tax report), maternity grant claims, and company registration forms. Do NOT use for classified or security-clearance government systems.

Calculate Israeli payroll including income tax, Bituach Leumi (National Insurance), health tax, pension contributions, and net salary. Use when user asks to calculate salary, "tlush maskoret", payroll deductions, "bruto to neto", employer cost, tax credits (nekudot zikui), or needs help understanding Israeli payslip items. Covers employees, freelancers (atzmai), and employer cost calculations. Do NOT use for US, UK, or other countries' payroll calculations.

Official Anthropic skill for insurance prior authorization review workflows. Cross-references coverage requirements, clinical guidelines, and patient records.

Emite dictamen de cobertura/no cobertura con análisis de exposición económica bajo Ley 17.418

Generate comprehensive marketing reports, calculating ROI, CPA, and other key financial and performance metrics for Texas Total Loss.

Analyze latest policy analysis sweep runs (*_policy_analysis_*) by comparing episodes/summary metrics, diagnostics, and video artifacts; generate a concise markdown report and optional frame snapshots.

Decompose and explain healthcare cost growth into contributing factors including utilization changes, unit price shifts, case mix evolution, and population changes. Use when analyzing PMPM cost trends, explaining cost variance to leadership, preparing actuarial summaries, or identifying cost reduction opportunities.

当用户需要评估保额与保险责任是否匹配时使用此 skill。适用于保额充足性分析、责任覆盖范围检查、家庭保障需求测算等场景。

Genera carta de rechazo de cobertura fundada en Ley 17.418 y póliza, con control de plazo art. 56 y evaluación de riesgo de daño punitivo

Consulta sistemas internos de Libra para obtener el documento de póliza a partir de datos del asegurado o del vehículo

Execute Guidewire secondary workflow: Claims processing in ClaimCenter. Use when implementing FNOL, claim investigation, reserves, payments, and settlement. Trigger with phrases like "claimcenter workflow", "create claim", "file fnol", "process claim", "claim settlement", "claim payment".

内蒙古养老保险补缴计算工具。用于计算内蒙古地区养老保险补缴金额，包括本金、利息（按月复利计息）、滞纳金等明细。 **触发关键词**：社保补缴、社保补费、补缴、补费、养老保险补缴、社保欠费计算 **使用场景**： 1. 计算历史欠缴养老保险的补缴金额 2. 估算补缴本金、利息、滞纳金明细 3. 对比不同缴费档次（60%/80%/100%/150%/200%/300%）的补缴金额 4. 计算无滞纳金情况下的补缴金额 **输入参数**： - 补缴起止年月（必填） - 缴费档次比例（可选，默认60%，支持--all计算全部档次） - 补缴时间（可选，默认当前时间） - 自定义月缴费基数（可选，设置后忽略档次比例和社平工资） **输出结果**： - 个人本金、单位本金 - 个人利息、单位利息（按月复利计算） - 个人滞纳金、单位滞纳金 - 有滞纳金和无滞纳金分别汇总 - 支持六档对比：60%、80%、100%、150%、200%、300%

Processes insurance renewal documentation for brokers and underwriters. Extracts policy details, compares renewal terms against expiring policies, identifies coverage gaps, and generates renewal summaries with premium comparisons and recommendation narratives.

保险行业对比分析工具。对比国内外保险市场、中外保险公司、不同险种发展。接入AkShare开源保险行业数据，支持实时数据获取和自动更新。适用于国际化研究、竞争分析。

Query Social Insurance Board statistical publications for benefits, social protection services, and caseload trends.

Passive policy defining minimum re-validation matrix by change type after review/refactor work.

Guide annuity and life-insurance sales workflows—discovery, suitability, product selection, objections, closing, and servicing—when supporting licensed insurance sales conversations or deliverables.

Extrae datos estructurados de póliza de seguros argentina — condiciones, exclusiones, franquicias, obligaciones

帮助保险代理人将pdf、Excel、Word、PPT等各类客户资料转化为个人客户信息资料库，方便小龙虾调用和使用，回答下列问题："帮我为下个月生日的客户撰写个性化的生日祝福"、"帮我为每个保单客户撰写一份个性化的理财活动邀约"，等等。

Interactive demo: Generate pseudo-labels from a strong teacher model, build a cheap student function, and evaluate accuracy. Showcases pseudo-labeling and teacher-student distillation.

当用户需要对比不同保险产品时使用此 skill。适用于产品责任对比、费率对比、公司服务对比、性价比分析等场景。

Compare car insurance (mandatory hova, comprehensive makif, third-party), home insurance, and health supplementary insurance across 20+ Israeli insurers using official government calculators and private comparison platforms. Use when a user needs to find the cheapest insurance quote, understand policy differences, or prepare for annual renewal negotiations. Guides through CMA calculator at car.cma.gov.il, Hova.co.il, Shukabit, Wobi, and Bestie. Do NOT use for life insurance, pension fund selection, or travel insurance comparisons.

Retrieves and formats a complete patient demographic summary from FHIR Patient, RelatedPerson, and Coverage resources. Use when user asks to "pull demographics", "get patient info", "show patient details", "who is this patient", "patient summary", "emergency contacts", "insurance info", or needs a quick overview of non-clinical patient data. Do NOT use for clinical summaries, lab results, medication lists, or diagnosis reviews.

Read policies, application requirements, and forms, then turn them into a completeness checklist, risk list, and submission plan.

Generate multichannel marketing campaigns and test plans for Texas Total Loss based on goals, trends, and competitor insights.

Generate an insurance-specific newsletter for Anchor Point Insurance Co. (brand=LIFEINSUR)

Use Estonian Health Insurance Fund annual reports for financing, service volumes, and system performance indicators.

ウェアラブルやドライブレコーダーのデータから個人のリスクを瞬時に算定し、保険料の決定と支払いを自動化するスキル。

当用户需要梳理保险理赔案件的事实时间线、重建出险到结案的事件顺序、整合病历报案材料审核记录中的时间信息、识别时间冲突或生成适合理赔审核调查复核客服使用的标准化时间轴时使用本 skill。适用于汇总理赔系统案件记录、报案记录、出险说明、门急诊记录、住院记录、手术记录、检查检验报告、病历首页、出院小结、发票或费用清单、补件记录、审核记录、调查记录、结案记录、客服工单记录、沟通备注、OCR 文本、PDF 文档和截图转写内容，提炼关键时间节点、阶段划分、时间间隔、时间冲突和后续核查建议。