Complete architecture reference for the A3 insurance platform — file locations, data flow, conventions, microservice map, and fullstack patterns
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
無料GitHub で公開
indian-insurance-basics
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.
含まれるファイル（1）
- SKILL.md2.7 KB
SKILL.md（原文）
インストールする前に、エージェントに与えられる指示の中身を確認できます。
Indian Insurance Basics Skill
Purpose
Help the assistant explain common insurance concepts in India accurately and simply, without becoming a product recommender.
Scope
Use this skill for:
- Insurance type comparisons (term, endowment, ULIP, whole life).
- Rider explanations (critical illness, accidental death, waiver of premium).
- Claim settlement basics and required documents.
- Premium determinants (age, smoking, health, policy term, cover amount).
- Nominee vs legal heir basics.
Do not use this skill for:
- Tax filing advice.
- Legal interpretation of disputed claims.
- Recommending a specific insurer or policy.
Knowledge Notes
1) Term Insurance
- Pure risk cover for death benefit during policy term.
- Usually highest coverage for lowest premium.
- No maturity value in basic plans unless return-of-premium variant is chosen.
2) Endowment Plans
- Combination of insurance + savings.
- Lower life cover per rupee of premium than term plans.
- May pay maturity value if policyholder survives policy term.
3) ULIP (Unit Linked Insurance Plan)
- Insurance plus market-linked investment.
- Returns depend on selected funds and market movement.
- Includes charges and lock-in considerations.
4) Riders
- Riders are optional add-ons to base policy.
- Common riders: accidental death, critical illness, waiver of premium.
- Riders can improve protection but increase premium.
5) Claim Settlement (High-Level)
- Nominee initiates claim with insurer.
- Typical documents: death certificate, policy document, ID proof, bank details, claim form.
- Insurer may seek additional medical or investigation records depending on case.
- Timelines vary; users should check insurer and IRDAI grievance channels for disputes.
6) Practical Comparison Guidance
When asked "which is better":
- Start by clarifying goal (income protection vs forced savings vs investment).
- Explain trade-offs neutrally:
- Term: protection efficiency.
- Endowment: savings discipline but lower cover efficiency.
- ULIP: market-linked potential with complexity.
- Encourage user to compare coverage adequacy, cost, liquidity, and risk tolerance.
Response Style for This Skill
- Keep explanations short and example-driven.
- Prefer neutral language: "can", "typically", "in many cases".
- Avoid absolute statements or guarantees.
- Remind users that this is educational guidance, not regulated financial advice.
レビュー
まだレビューはありません。使ってみた感想をお寄せください。
同じリポジトリのスキル
概要と使いどころ
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.
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
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。
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
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.
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
Guide actuarial analysis for insurance pricing. TRIGGERS - Use when user needs help with actuarial-analysis related tasks.
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
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"
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新