An AI-powered smart insurance advisory skill providing family risk analysis, policy comparison, and claims guidance for Mainland China and Hong Kong markets.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install insurtech
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install insurtech using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is InsurTech?
The InsurTech skill is an intelligent financial advisor designed for Openclaw Skills that automates extensive family risk profiling, insurance product comparisons, and claims tracking lifecycle workflows. Powered by standard actuarial principles and a family lifecycle model, it evaluates coverage gaps across life, critical illness, medical, accident, and annuity insurance categories.
By processing data across 300+ mainstream products in both Mainland China and Hong Kong markets, this tool translates intricate policy clauses, highlights hidden exclusions, and structures clear coordination paths between public social security and commercial packages. It delivers professional-grade decision support tailored specifically for individual policyholders, family financial planners, and insurance practitioners.
InsurTech Use Cases
- Assessing personal or family insurance coverage gaps based on age, income, liabilities, and existing policies.
- Comparing specific commercial insurance plans like Darwin 10 vs. Super Mary 13 across premiums and benefits.
- Analyzing complex policy text to decode obscure clauses, wait periods, and liability exemptions.
- Generating end-to-end insurance claim checklists and communication scripts for claims handling.
- Structuring multi-tiered health coverage strategies that seamlessly bridge social security with commercial medical plans.
How InsurTech Works
- Risk Profiling Phase: The agent gathers essential family metadata including age, income, debt, and active policies to calculate coverage gaps across four primary insurance pillars and outputs a visual family risk heatmap.
- Product Matching Phase: Based on calculated gaps and budget constraints, the agent filters potential products and runs a granular, clause-by-clause evaluation covering wait periods, exemptions, and premium rates to score items via an ICR cost-performance index.
- Decision Support Phase: The agent outputs an optimized portfolio proposal with full premium calculations, critical underwriting warnings (such as health disclosures or occupational constraints), and long-term management guides.
InsurTech Setup
To install and enable the InsurTech capability within your Openclaw workspace, fetch and add the skill using the Openclaw Skills package manager CLI:
openclaw install skill ai-gaoqian/insurtech
Configure your environment variables if local policy database synchronization is required, and ensure your system runtime meets the base requirements specified in the skill manifest.
InsurTech Data Schema & Taxonomy
The skill manages its evaluations and structures its analytical outputs using a standardized markdown data schema layout:
1. Family Risk Gap Matrix
| Insurance Type | Recommended Sum Insured | Current Sum Insured | Coverage Gap | Priority Level |
|---|
2. Product Evaluation Layout
| Product Name | Sum Insured | Annual Premium | Coverage Highlights | Shortcomings | ICR Score |
|---|
3. Execution Metadata
- Pricing Tier: ¥0.50 per invocation.
- Market Coverage: Mainland China and Hong Kong insurance markets (300+ products).
InsurTech Advanced Features
- Multi-market compliance routing handles foreign exchange and cross-border regulatory warnings automatically for Hong Kong policies.
- ICR cost-performance algorithms provide systematic scoring configurations across extensive plan catalogs.
- Interactive claims tracking engine supplies conditional text blocks, required documentation checklists, and statutory response timeline alerts.
SKILL.md
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