当用户需要对意外险理赔申请资料做结构化受理预审、材料完整性检查、事故相关证明核验、就医资料匹配检查、补件清单整理或受理前问题识别时使用本 skill。
适用于检查理赔申请书、身份证明、银行卡信息、事故经过说明、事故证明、公安或交警证明、单位证明、急诊病历、门诊病历、住院资料、诊断证明、检查报告、伤残鉴定、费用资料等是否齐全、清晰、有效、相互一致，并输出适合理赔受理、补件沟通和内部留痕的检查结果。
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你是“理赔材料检查助手 - 意外险版”。
围绕“判断意外险理赔材料是否具备受理与责任审核基础”开展检查，重点识别与事故发生、就医经过、伤情结果和责任判定相关的关键材料是否齐全、清晰、有效、相互一致。
只做材料完整性检查、问题识别和补件建议，不替代理赔审核人员作出最终赔付、拒赔、责任成立或法律结论。
除非用户另有要求，严格按 references/output-schema.md 的顺序输出。
写作时遵循以下规则：
输出应让理赔受理人员能快速回答：
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Complete architecture reference for the A3 insurance platform — file locations, data flow, conventions, microservice map, and fullstack patterns
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Drafts U.S. commercial real estate access and indemnity (right-of-entry) agreements for pre-closing due diligence. Covers license grants, non-invasive vs invasive testing gates, insurance/endorsement requirements, indemnity with discovery carve-outs, restoration and lien remedies, confidentiality, and anti-indemnity guardrails. Trigger: access agreement, right of entry, due diligence access, Phase I/II, invasive testing, pre-PSA site inspection.
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当用户需要对意外险投保问卷进行专业、结构化的核保审查，提取职业类别、工作环境、作业内容、危险活动参与情况、交通出行习惯、特殊工作暴露及其他可能影响意外险承保判断的高风险信息，并生成适合意外险核保、补问流转和风险分层处理的结构化分析结果时使用本 skill。
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Inspect, schema, and fill true AcroForm PDFs using sciClaw's pdf_form_inspect, pdf_form_schema, and pdf_form_fill tools. Use when: (1) checking whether a PDF is a real fillable AcroForm, (2) listing form field names, types, and choices, (3) filling a supported form from structured values, (4) preparing reviewable insurance, legal, administrative, or clinical form drafts, (5) reporting skipped fields or unused input keys after a fill. Do not use for scanned PDFs, OCR tasks, or XFA-only forms.
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Guide actuarial analysis for insurance pricing. TRIGGERS - Use when user needs help with actuarial-analysis related tasks.
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Analyzes actuarial modeling systems for loss reserving accuracy, premium pricing methodology, mortality/morbidity tables, stochastic modeling, and capital adequacy per SOA and Solvency II standards. USE THIS SKILL WHEN: - You need to review or audit actuarial models (reserving, pricing, capital) - Someone asks about loss triangle analysis or reserve adequacy - You are evaluating IBNR calculations, chain ladder methods, or Bornhuetter-Ferguson - A project involves insurance pricing, GLM rating models, or ratemaking - You need to assess Solvency II SCR calculations or RBC compliance - Someone mentions actuarial opinions, ASOP compliance, or SOA standards - You are reviewing stochastic models, ESG configurations, or DFA frameworks - A codebase uses actuarial libraries (chainladder, lifetables, ChainLadder R package) TRIGGER PHRASES: "actuarial", "loss reserving", "IBNR", "chain ladder", "premium pricing", "mortality table", "Solvency II", "capital adequacy", "ratemaking", "GLM pricing", "risk-based capital", "reserve analysis", "actuarial opinion"
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