An AI-powered insurance copilot that automates actuarial pricing, smart underwriting, fraud detection, and regulatory compliance across the entire insurance value chain.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install insurtech-intelligence-engine
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-intelligence-engine 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 Intelligence Engine?
Insurtech Intelligence Engine is a comprehensive, production-grade AI agent skill designed for insurance companies, brokerages, and insurtech innovators. Operating as a core module within the broader ecosystem of Openclaw Skills, this agent automates complex actuarial calculations, smart underwriting, claims anti-fraud detection, and regulatory compliance workflows across the entire insurance value chain.
By leveraging deep integration with regional regulatory frameworks (such as CBIRC, C-ROSS Phase II, Solvency II, and IFRS 17) and advanced statistical models, this skill translates raw medical reports, policy documents, and claims data into highly actionable risk assessments and compliant financial reports. Developers can easily embed these capabilities into existing enterprise architectures to slash operational overhead and minimize risk exposure.
Insurtech Intelligence Engine Use Cases
- Actuarial Pricing & Reserve Calculation: Evaluate life and non-life pricing factors using GLM/GAM frameworks, and calculate IBNR/IBNER reserves with high accuracy.
- Automated Underwriting: Analyze unstructured health declarations and medical reports with NLP to generate substandard risk extra premiums and exclusion recommendations.
- Claims Fraud Detection: Utilize Social Network Analysis (SNA) and medical directory mapping to verify claims integrity and flag fraudulent behaviors.
- Regulatory Compliance Auditing: Streamline calculations for RBC frameworks, Solvency II SCR/MCR, and C-ROSS Phase II compliance, ensuring proper adaptation to IFRS 17.
- Competitor Policy Comparison: Automatically extract exclusions, waiting periods, and coverages to build comprehensive policy comparison matrices.
How Insurtech Intelligence Engine Works
- Ingestion & Parsing: The engine receives unstructured inputs (such as PDFs of medical reports, insurance clauses, or claims data) and parses them using built-in NLP engines.
- Context Enrichment: It matches the parsed data against its local regulatory database, including CBIRC rules, ICD-11 codes, and industry benchmark payout rates.
- Analytical Processing: The system executes specialized actuarial, underwriting, or anti-fraud algorithms (such as GLM factor analysis or Social Network Analysis for fraud detection).
- Compliance Validation: It passes the calculated outcomes through regional compliance rules (C-ROSS Phase II, Solvency II, or IFRS 17) to ensure legal alignment.
- Artifact Generation: The agent exports comprehensive, formatted outputs such as underwriting advice, pricing memos, solvency dashboards, or comparison matrices.
Insurtech Intelligence Engine Setup
Configure and register the Insurtech Intelligence Engine skill within your local Openclaw framework environment.
Installation
Install the skill package using npm or directly import it via your agent configuration:
npm install @openclaw/skill-insurtech-intelligence-engine
Configuration
Add the skill configuration to your agent’s main configuration file (claw.config.json):
{
"skills": [
"@openclaw/skill-insurtech-intelligence-engine"
],
"config": {
"insurtech": {
"regulatory_framework": "C-ROSS",
"medical_database": "ICD-11",
"enable_anti_fraud_sna": true
}
}
}
Insurtech Intelligence Engine Data Schema & Taxonomy
The skill processes specialized inputs and generates structured evaluation matrices, dashboard configurations, and report documents.
Input Data Specifications
| Parameter | Type | Description |
|---|---|---|
policy_clauses |
Array of Files | raw PDF/Markdown text of insurance policies to compare |
health_declaration |
String / PDF | Unstructured medical reports or customer health declarations |
claims_data |
JSON / CSV | Claims transaction lists for SNA and anti-fraud verification |
Output Files Generated
- Pricing Memo (
pricing_memo.md): Contains GLM/GAM rating calculations and BMS/NCD system configurations. - Underwriting Proposal (
underwriting_report.pdf): Detail-oriented rating adjustments, exclusion options, and risk assessments. - Claims Audit Report (
claims_audit.json): SNA graphs, red flags, and medical bill directory mappings. - Solvency & Compliance Dashboard (
solvency_metrics.csv): C-ROSS Phase II or Solvency II monitoring matrices.
Insurtech Intelligence Engine Advanced Features
- Multi-Region Compliance Engine: Seamlessly switch between C-ROSS (APAC/China), Solvency II (Europe), and RBC frameworks depending on the targeted business entity.
- Social Network Analysis (SNA) Integration: Graph-based fraud detection to identify systemic fraud networks, collusions, and duplicate claim rings.
- Medical-to-Insurance Directory Mapping: AI-powered ICD-11 translation mapping raw medical records straight to regional public medical insurance coding lists.
- Automated Catastrophe (CAT) Modeling & Reinsurance Tiering: Evaluate proportional/non-proportional reinsurance treaties alongside Cat XL excess layers structure design.
SKILL.md
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