# Insurance Advisor

> 保险方案顾问。险种推荐、产品对比、保费计算、理赔指南、定期寿险、健康险方案。Insurance advisor with recommendation, comparison, premium calculation, claim guide, term life, health insurance. Use when you need insurance advisor capabilities. Triggers on: insurance advisor.

- Skill: `dvcrn/insurance-advisor` (Agent Skill, multi-file: 3 files)
- Install (CLI): `npx skillmds@latest add dvcrn/insurance-advisor`
- Raw SKILL.md: https://api.skillmd.com/api/skills/dvcrn/insurance-advisor/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: dvcrn (https://skillmd.com/u/dvcrn)
- Updated: 2026-09-08
- Page: https://skillmd.com/skills/dvcrn/insurance-advisor

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# insurance-advisor

保险方案顾问。险种推荐、产品对比、保费计算、理赔指南、定期寿险、健康险方案。Insurance advisor with recommendation, comparison, premium calculation, claim guide, term life, health insurance.

## 核心特点

🎯 **精准** — 针对具体场景定制化输出
📋 **全面** — 多个命令覆盖完整工作流
🇨🇳 **本土化** — 完全适配中文用户习惯

## 命令速查

```
  single          single
  married         married
  married-with-kids married with kids
  medical         medical
  critical        critical
  life            life
  accident        accident
  medical         medical
```


## 专业建议

- 医保** — 国家医保是基础，优先参保
- 百万医疗险** — 几百元/年，覆盖大病住院
- 重疾险** — 确诊即赔，弥补收入损失
- 意外险** — 便宜且实用，人人需要
- 定期寿险** — 家庭经济支柱必备

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