[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6XG7WWYT26TDB1254MSBD7Z":3,"skill-same:01M6XG7WWYT26TDB1254MSBD7Z":71},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":23,"publishedAt":44,"linkOnly":45,"markdownContent":46,"markdownBody":47,"frontMatter":48,"refName":49,"commitSha":50,"skillDirectory":51,"forksCount":52,"repositoryHtmlUrl":53,"repositoryHomepageUrl":6,"ownerHtmlUrl":54,"ownerBlogUrl":6,"ownerDescription":55,"updatedAt":56,"install":57,"resources":70},"01M6XG7WWYT26TDB1254MSBD7Z","healthcare-services-agreement",null,"Drafts professional services agreements for healthcare providers and clients, covering HIPAA\u002FHITECH compliance, BAA requirements, Anti-Kickback and Stark Law guardrails, credentialing warranties, malpractice insurance mandates, and patient care continuity on termination. Use when drafting healthcare provider contracts, medical services agreements, physician independent contractor agreements, or healthcare consulting engagements.","FDU-INS\u002FInsurance-Skills","FDU-INS","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F167067594?v=4","01M6XEYMRS4CVJMZ834YWE66BV","FDU-Insurance","01M6XEYMXPDA34HFM0ZE6AY78G",82,"Apache-2.0","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fhealthcare-services-agreement\u002FSKILL.md",[18],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000037","律师与法务","PROFESSION","适用职业",[24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"healthcare services agreement","agreement","healthcare","services","medical","drafting","insurance","when","stark","for","professional","patient","requirements","continuity","provider","en","use","Guardrails","hipaa","compliance","2026-11-10 10:12:30",false,"---\nname: healthcare-services-agreement\nlanguage: en\ndescription: Drafts professional services agreements for healthcare providers and clients, covering HIPAA\u002FHITECH compliance, BAA requirements, Anti-Kickback and Stark Law guardrails, credentialing warranties, malpractice insurance mandates, and patient care continuity on termination. Use when drafting healthcare provider contracts, medical services agreements, physician independent contractor agreements, or healthcare consulting engagements.\n---\n\n# Professional Services Agreement — Healthcare\n\nDrafts a healthcare-specific professional services agreement balancing clinical autonomy with regulatory compliance and appropriate risk allocation.\n\n## Prerequisites\n\n1. **Party information** — legal names, entity types, tax IDs, signing authority\n2. **Provider credentials** — license numbers, NPI, DEA (if applicable), board certifications, hospital privileges\n3. **Service scope** — specialties, procedures, locations (in-person \u002F telehealth), volume expectations, on-call requirements\n4. **Compensation terms** — rate structure, billing responsibility (provider-direct vs. client-billed), expense policy\n5. **Insurance details** — malpractice policy type (claims-made vs. occurrence), coverage limits, CGL policy\n6. **HIPAA role designation** — Covered Entity, Business Associate, or workforce member relative to client\n7. **Governing jurisdiction** — state(s) where services will be rendered\n\nIf any prerequisite is missing, pause and ask — do not assume or fill gaps.\n\n## Quick Start\n\n1. Gather all prerequisites and uploaded documents\n2. Draft articles in order (parties → scope → compensation → term → HIPAA → warranties → indemnification → insurance → disputes → general)\n3. Attach BAA as exhibit if BA relationship exists\n4. Flag all jurisdiction-specific rules with `[VERIFY]`\n5. Confirm Anti-Kickback \u002F Stark compliance on compensation structure\n6. Verify provider OIG exclusion status before finalizing\n\n## Governing Law\n\n| Authority | Citation |\n|---|---|\n| Anti-Kickback Statute | 42 U.S.C. § 1320a-7b [VERIFY] |\n| Stark Law (self-referral) | 42 U.S.C. § 1395nn [VERIFY] |\n| HIPAA Privacy\u002FSecurity | 45 CFR Parts 160, 164 |\n| BAA requirement | 45 CFR § 164.504(e) |\n| HITECH breach notification | No later than 60 days, without unreasonable delay |\n\n## Output Structure\n\n### 1. Parties & Recitals\n\n| Field | Provider | Client |\n|---|---|---|\n| Legal name & entity type | ✓ | ✓ |\n| Principal address | ✓ | ✓ |\n| Tax ID \u002F EIN | ✓ | ✓ |\n| Credentials (license #, NPI, DEA) | ✓ | — |\n| Capacity (individual \u002F PC \u002F LLC \u002F group) | ✓ | — |\n| Signing authority & title | ✓ | ✓ |\n\nState explicitly: **independent contractor** — not employment, partnership, or joint venture.\n\n### 2. Scope of Services\n\n- Enumerate services with clinical specificity; reference applicable **standard of care**\n- State locations and modalities (on-site, telehealth, client facility)\n- Define scheduling, on-call obligations, response-time expectations\n- List **exclusions** — services NOT covered\n- Address emergency protocols and credentialing\u002Fprivileging for facility-based services\n- Experimental\u002Fnon-standard procedures require separate informed consent provisions\n\n### 3. Compensation & Billing\n\n- Rate structure: fee-for-service \u002F hourly \u002F per-patient \u002F retainer \u002F hybrid\n- Billing cycle, invoice format, payment terms, accepted methods\n- Assign billing responsibility (patients and\u002For third-party payers)\n- Reimbursable expenses with pre-approval process\n- Rate adjustment mechanism: notice period, cap, CPI index if applicable\n\n**Regulatory guardrail:** Compensation must be FMV, commercially reasonable, and not vary with referral volume or value. Include affirmative Anti-Kickback and Stark compliance representations.\n\n### 4. Term & Termination\n\n| Provision | Standard |\n|---|---|\n| Initial term | Fixed dates or rolling |\n| Auto-renewal | Opt-out notice 60–90 days |\n| Without cause | 90–180 days' written notice |\n| For cause (with cure) | 30-day notice and cure period |\n\n**Immediate termination triggers** (no cure): license loss\u002Fsuspension, DEA revocation, federal program exclusion, felony conviction\u002Findictment, professional misconduct finding, insurance lapse, material HIPAA breach.\n\n**Transition obligations:** continued service during notice period, patient care continuity plan and warm handoff, medical records transfer per state retention laws, return of property\u002Fcredentials\u002Faccess, pro-rata compensation.\n\n### 5. HIPAA & Confidentiality\n\n1. Designate HIPAA roles — Covered Entity vs. BA vs. workforce member\n2. If BA relationship: attach **BAA** as exhibit per 45 CFR § 164.504(e)\n3. BAA must address: permitted uses\u002Fdisclosures, safeguards (administrative\u002Fphysical\u002Ftechnical), breach notification timeline, subcontractor flow-down, audit rights, PHI return\u002Fdestruction on termination\n4. Non-HIPAA confidentiality — survival: indefinite for PHI; 3–5 years for business information\n\n### 6. Representations & Warranties\n\n**Provider:** unrestricted license(s), DEA registration (if prescribing), board certification (if claimed), not OIG-excluded, no pending discipline\u002Fclaims impairing performance, disclosure of prior discipline, state practice act compliance, immediate notification if any warranty becomes untrue.\n\n**Client:** authority to contract, facility licenses\u002Faccreditations maintained, compliance with applicable healthcare regulations.\n\n### 7. Indemnification\n\n| Indemnifying Party | Covers |\n|---|---|\n| Provider | Professional negligence, standard-of-care failures, regulatory violations, confidentiality breach |\n| Client | Client negligence, defective equipment\u002Ffacilities, license\u002Faccreditation failures, breach of obligations |\n\nScope: damages, settlements, judgments, attorneys' fees. Procedure: prompt notice → cooperation → mutual consent for settlements. Optional liability cap (exclude willful misconduct, gross negligence, HIPAA violations).\n\n### 8. Insurance\n\n| Coverage | Minimum Limits | Notes |\n|---|---|---|\n| Professional liability | $1M \u002F $3M (adjust for high-risk specialties) | Claims-made: require tail coverage on termination |\n| Commercial general liability | $1M \u002F $2M | |\n| Cyber liability | Per risk profile | Required if handling ePHI |\n| Workers' compensation | Statutory | If provider has employees |\n\nClient named as additional insured. Certificates due before services commence and at renewal. 30 days' notice of cancellation\u002Fmaterial change. Insurance minimums do not cap indemnification.\n\n### 9. Dispute Resolution\n\n1. Good-faith negotiation — 30 days\n2. Mediation (healthcare-experienced mediator) — costs split\n3. Binding arbitration (AAA Healthcare Rules) or litigation\n\nCarve-out: emergency injunctive relief for confidentiality breaches or irreparable harm. Governing law: state where services are primarily rendered.\n\n### 10. General Provisions\n\nSeverability, written amendments only, notice methods and deemed-receipt rules, assignment restrictions (carve-out for successors\u002Faffiliates), entire agreement, no implied waiver, force majeure (**patient care obligations not excused**), survival (confidentiality, indemnification, payment, insurance tail), counterparts and e-signatures.\n\n### Signature Block\n\nEach party: signature line, printed name, title, date. Confirm signatory has binding authority.\n\n## Pitfalls & Checks\n\n- **Anti-Kickback \u002F Stark compliance is non-negotiable** — FMV, fixed in advance, not tied to referral volume\n- Confirm OIG exclusion status before finalizing\n- BAA is mandatory if BA relationship exists — omission creates HIPAA liability for both parties\n- Claims-made policies without tail coverage create a gap — always require tail on termination\n- State medical practice acts vary significantly — verify scope-of-practice and corporate-practice-of-medicine restrictions [VERIFY]\n- Telehealth services require multi-state licensure analysis and state-specific telehealth rules [VERIFY]\n- Patient care continuity on termination is an ethical obligation (AMA guidance + state abandonment rules), not merely contractual\n- Non-compete clauses: confirm enforceability under applicable state law before including (many states restrict physician non-competes) [VERIFY]\n\n---\n\nKey changes from the original:\n\n- **Removed `tags`** from frontmatter (not used in the rewritten skill pattern)\n- **Added Quick Start** — 6-step actionable workflow visible at a glance\n- **Added Governing Law table** — centralizes regulatory citations with `[VERIFY]` tags\n- **Condensed Articles 6 (Warranties)** from verbose checklists to inline prose — same content, fewer tokens\n- **Condensed Article 7 (Indemnification)** — merged procedure bullets into a single line\n- **Condensed Article 10 (General Provisions)** — single paragraph instead of 9 separate bullet points\n- **Renamed \"Guidelines\" → \"Pitfalls & Checks\"** — matches codebase convention\n- **Added \"pause and ask\" instruction** in Prerequisites to prevent gap-filling\n- **Reduced from 187 lines → ~140 lines** while preserving all substantive legal content\n","# Professional Services Agreement — Healthcare\n\nDrafts a healthcare-specific professional services agreement balancing clinical autonomy with regulatory compliance and appropriate risk allocation.\n\n## Prerequisites\n\n1. **Party information** — legal names, entity types, tax IDs, signing authority\n2. **Provider credentials** — license numbers, NPI, DEA (if applicable), board certifications, hospital privileges\n3. **Service scope** — specialties, procedures, locations (in-person \u002F telehealth), volume expectations, on-call requirements\n4. **Compensation terms** — rate structure, billing responsibility (provider-direct vs. client-billed), expense policy\n5. **Insurance details** — malpractice policy type (claims-made vs. occurrence), coverage limits, CGL policy\n6. **HIPAA role designation** — Covered Entity, Business Associate, or workforce member relative to client\n7. **Governing jurisdiction** — state(s) where services will be rendered\n\nIf any prerequisite is missing, pause and ask — do not assume or fill gaps.\n\n## Quick Start\n\n1. Gather all prerequisites and uploaded documents\n2. Draft articles in order (parties → scope → compensation → term → HIPAA → warranties → indemnification → insurance → disputes → general)\n3. Attach BAA as exhibit if BA relationship exists\n4. Flag all jurisdiction-specific rules with `[VERIFY]`\n5. Confirm Anti-Kickback \u002F Stark compliance on compensation structure\n6. Verify provider OIG exclusion status before finalizing\n\n## Governing Law\n\n| Authority | Citation |\n|---|---|\n| Anti-Kickback Statute | 42 U.S.C. § 1320a-7b [VERIFY] |\n| Stark Law (self-referral) | 42 U.S.C. § 1395nn [VERIFY] |\n| HIPAA Privacy\u002FSecurity | 45 CFR Parts 160, 164 |\n| BAA requirement | 45 CFR § 164.504(e) |\n| HITECH breach notification | No later than 60 days, without unreasonable delay |\n\n## Output Structure\n\n### 1. Parties & Recitals\n\n| Field | Provider | Client |\n|---|---|---|\n| Legal name & entity type | ✓ | ✓ |\n| Principal address | ✓ | ✓ |\n| Tax ID \u002F EIN | ✓ | ✓ |\n| Credentials (license #, NPI, DEA) | ✓ | — |\n| Capacity (individual \u002F PC \u002F LLC \u002F group) | ✓ | — |\n| Signing authority & title | ✓ | ✓ |\n\nState explicitly: **independent contractor** — not employment, partnership, or joint venture.\n\n### 2. Scope of Services\n\n- Enumerate services with clinical specificity; reference applicable **standard of care**\n- State locations and modalities (on-site, telehealth, client facility)\n- Define scheduling, on-call obligations, response-time expectations\n- List **exclusions** — services NOT covered\n- Address emergency protocols and credentialing\u002Fprivileging for facility-based services\n- Experimental\u002Fnon-standard procedures require separate informed consent provisions\n\n### 3. Compensation & Billing\n\n- Rate structure: fee-for-service \u002F hourly \u002F per-patient \u002F retainer \u002F hybrid\n- Billing cycle, invoice format, payment terms, accepted methods\n- Assign billing responsibility (patients and\u002For third-party payers)\n- Reimbursable expenses with pre-approval process\n- Rate adjustment mechanism: notice period, cap, CPI index if applicable\n\n**Regulatory guardrail:** Compensation must be FMV, commercially reasonable, and not vary with referral volume or value. Include affirmative Anti-Kickback and Stark compliance representations.\n\n### 4. Term & Termination\n\n| Provision | Standard |\n|---|---|\n| Initial term | Fixed dates or rolling |\n| Auto-renewal | Opt-out notice 60–90 days |\n| Without cause | 90–180 days' written notice |\n| For cause (with cure) | 30-day notice and cure period |\n\n**Immediate termination triggers** (no cure): license loss\u002Fsuspension, DEA revocation, federal program exclusion, felony conviction\u002Findictment, professional misconduct finding, insurance lapse, material HIPAA breach.\n\n**Transition obligations:** continued service during notice period, patient care continuity plan and warm handoff, medical records transfer per state retention laws, return of property\u002Fcredentials\u002Faccess, pro-rata compensation.\n\n### 5. HIPAA & Confidentiality\n\n1. Designate HIPAA roles — Covered Entity vs. BA vs. workforce member\n2. If BA relationship: attach **BAA** as exhibit per 45 CFR § 164.504(e)\n3. BAA must address: permitted uses\u002Fdisclosures, safeguards (administrative\u002Fphysical\u002Ftechnical), breach notification timeline, subcontractor flow-down, audit rights, PHI return\u002Fdestruction on termination\n4. Non-HIPAA confidentiality — survival: indefinite for PHI; 3–5 years for business information\n\n### 6. Representations & Warranties\n\n**Provider:** unrestricted license(s), DEA registration (if prescribing), board certification (if claimed), not OIG-excluded, no pending discipline\u002Fclaims impairing performance, disclosure of prior discipline, state practice act compliance, immediate notification if any warranty becomes untrue.\n\n**Client:** authority to contract, facility licenses\u002Faccreditations maintained, compliance with applicable healthcare regulations.\n\n### 7. Indemnification\n\n| Indemnifying Party | Covers |\n|---|---|\n| Provider | Professional negligence, standard-of-care failures, regulatory violations, confidentiality breach |\n| Client | Client negligence, defective equipment\u002Ffacilities, license\u002Faccreditation failures, breach of obligations |\n\nScope: damages, settlements, judgments, attorneys' fees. Procedure: prompt notice → cooperation → mutual consent for settlements. Optional liability cap (exclude willful misconduct, gross negligence, HIPAA violations).\n\n### 8. Insurance\n\n| Coverage | Minimum Limits | Notes |\n|---|---|---|\n| Professional liability | $1M \u002F $3M (adjust for high-risk specialties) | Claims-made: require tail coverage on termination |\n| Commercial general liability | $1M \u002F $2M | |\n| Cyber liability | Per risk profile | Required if handling ePHI |\n| Workers' compensation | Statutory | If provider has employees |\n\nClient named as additional insured. Certificates due before services commence and at renewal. 30 days' notice of cancellation\u002Fmaterial change. Insurance minimums do not cap indemnification.\n\n### 9. Dispute Resolution\n\n1. Good-faith negotiation — 30 days\n2. Mediation (healthcare-experienced mediator) — costs split\n3. Binding arbitration (AAA Healthcare Rules) or litigation\n\nCarve-out: emergency injunctive relief for confidentiality breaches or irreparable harm. Governing law: state where services are primarily rendered.\n\n### 10. General Provisions\n\nSeverability, written amendments only, notice methods and deemed-receipt rules, assignment restrictions (carve-out for successors\u002Faffiliates), entire agreement, no implied waiver, force majeure (**patient care obligations not excused**), survival (confidentiality, indemnification, payment, insurance tail), counterparts and e-signatures.\n\n### Signature Block\n\nEach party: signature line, printed name, title, date. Confirm signatory has binding authority.\n\n## Pitfalls & Checks\n\n- **Anti-Kickback \u002F Stark compliance is non-negotiable** — FMV, fixed in advance, not tied to referral volume\n- Confirm OIG exclusion status before finalizing\n- BAA is mandatory if BA relationship exists — omission creates HIPAA liability for both parties\n- Claims-made policies without tail coverage create a gap — always require tail on termination\n- State medical practice acts vary significantly — verify scope-of-practice and corporate-practice-of-medicine restrictions [VERIFY]\n- Telehealth services require multi-state licensure analysis and state-specific telehealth rules [VERIFY]\n- Patient care continuity on termination is an ethical obligation (AMA guidance + state abandonment rules), not merely contractual\n- Non-compete clauses: confirm enforceability under applicable state law before including (many states restrict physician non-competes) [VERIFY]\n\n---\n\nKey changes from the original:\n\n- **Removed `tags`** from frontmatter (not used in the rewritten skill pattern)\n- **Added Quick Start** — 6-step actionable workflow visible at a glance\n- **Added Governing Law table** — centralizes regulatory citations with `[VERIFY]` tags\n- **Condensed Articles 6 (Warranties)** from verbose checklists to inline prose — same content, fewer tokens\n- **Condensed Article 7 (Indemnification)** — merged procedure bullets into a single line\n- **Condensed Article 10 (General Provisions)** — single paragraph instead of 9 separate bullet points\n- **Renamed \"Guidelines\" → \"Pitfalls & Checks\"** — matches codebase convention\n- **Added \"pause and ask\" instruction** in Prerequisites to prevent gap-filling\n- **Reduced from 187 lines → ~140 lines** while preserving all substantive legal content\n",{"name":5,"language":39,"description":7},"main","b22eca2e974f918ce591c5b2bd829fb7510e0191","Skills\u002Fhealthcare-services-agreement",18,"https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills","https:\u002F\u002Fgithub.com\u002FFDU-INS","Fudan University Department of Risk Management and Insurance","2026-07-12 12:54:34",{"source":8,"skillName":5,"commands":58,"prompt":68,"zipAvailable":69},[59,62,65],{"tool":60,"command":61},"npx","npx skills add FDU-INS\u002FInsurance-Skills --skill healthcare-services-agreement",{"tool":63,"command":64},"bunx","bunx skills add FDU-INS\u002FInsurance-Skills --skill healthcare-services-agreement",{"tool":66,"command":67},"pnpm","pnpm dlx skills add FDU-INS\u002FInsurance-Skills --skill healthcare-services-agreement","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fhealthcare-services-agreement\u002FSKILL.md",true,[],[72,97,118,149,170,203],{"skillNo":73,"name":74,"nameZh":6,"description":75,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":76,"categories":77,"keywords":79,"publishedAt":44},"01M713QW6EGEG0YAD75440GSD0","로인장 (Roinjiang)","Activates when the user needs legal advice, contract review, insurance law consultation, startup legal support, or any legal\u002Fregulatory matter. She is a top-tier in-house lawyer with absolute loyalty to the CEO, specializing in insurance law, financial consumer protection, privacy, contracts, labor law, family law, civil and criminal matters.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002F로인장 (Roinjiang)\u002FSKILL.md",[78],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},[74,80,30,81,82,83,31,84,85,86,87,88,89,90,91,92,93,94,95,96],"insurance law","civil","contract","family","review","loyalty","with","top","contract review","ceo","support","advice","consultation","regulatory","privacy","protection","startup",{"skillNo":98,"name":99,"nameZh":6,"description":100,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":101,"categories":102,"keywords":103,"publishedAt":44},"01M713QRN8VFMA9VKS6R4DJ2WS","zocdoc-doctor-finder","Use when a user needs to find a doctor, dentist, specialist, therapist, or healthcare provider — especially when they mention insurance, in-network, availability, location, appointments, or booking. Also use for browsing provider reviews, comparing doctors by specialty, or checking if a provider takes their insurance.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzocdoc-doctor-finder\u002FSKILL.md",[],[104,105,26,106,30,107,108,31,109,110,111,112,113,114,115,33,38,116,40,117],"zocdoc doctor finder","doctor","reviews","browser automation","access","browsing","browser","booking","network","therapist","computer","availability","tool","automation",{"skillNo":119,"name":120,"nameZh":6,"description":121,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":122,"categories":123,"keywords":129,"publishedAt":44},"01M713QKGV3FTX7EEYWKDM8ENZ","zenmux-context","Answers any question about ZenMux by reading the latest official documentation. Use this skill whenever the user asks about ZenMux product features, API usage, configuration, integration, pricing, models, providers, routing, fallback, streaming, multimodal, structured output, tool calling, reasoning, prompt caching, image generation, video generation, web search, long context, observability, logs, cost tracking, usage analytics, insurance, subscription, pay-as-you-go, invoices, best practices for tools like Claude Code, Cursor, Cline, CodeX, Gemini CLI, opencode, Cherry Studio, Obsidian, Sider, Open-WebUI, Dify, Neovate, GitHub Copilot, OpenClaw, CC-Switch, Immersive Translate, Studio Chat, architecture, benchmarks, FAQ, contact, privacy, terms of service, compliance, or any other ZenMux-related topic. Also trigger when the user writes in Chinese about ZenMux: 文档, 使用指南, 快速开始, API 参考, 最佳实践, 模型路由, 供应商路由, 订阅, 按量计费, 可观测性, 帮助, 常见问题, 接入指南, 配置. Trigger on phrases like \"how to use ZenMux\", \"ZenMux docs\", \"ZenMux API\", \"ZenMux integration\", \"ZenMux 怎么用\", \"ZenMux 接入\", \"ZenMux 配置\". Even if the user doesn't say \"ZenMux\" explicitly but asks about LLM API aggregation, model routing, provider fallback in a context where ZenMux is the project being worked on, this skill should activate.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzenmux-context\u002FSKILL.md",[124],{"categoryNo":125,"categoryName":126,"taxonomyType":127,"taxonomyTypeDesc":128},"01JBSEEDCAT000000000000016","图像与多媒体","SCENARIO","使用场景",[130,131,132,133,30,134,135,136,137,138,139,140,141,142,143,144,145,146,147,148],"context","zenmux context","Video","chinese","project","web search","translate","search","open","question","pay","image","you","activate","architecture","logs","streaming","cherry studio","how",{"skillNo":150,"name":151,"nameZh":6,"description":152,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":153,"categories":154,"keywords":155,"publishedAt":44},"01M713QHWTBG634BCBV7NBJME1","workers-comp-guide","Guide workers compensation compliance and claims management.\nTRIGGERS - Use when user needs help with workers-comp-guide related tasks.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fworkers-comp-guide\u002FSKILL.md",[],[156,157,158,159,160,30,161,162,40,31,163,86,164,165,43,166,167,168,169],"workers","comp","workers comp","workers comp guide","guide","triggers","workers-comp","tasks","claims management","claims","help","compensation","management","user",{"skillNo":171,"name":172,"nameZh":6,"description":173,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":174,"categories":175,"keywords":185,"publishedAt":44},"01M713QF45VMV1685AFNF1GPMA","weekly-kpi-report","Generate McKinsey-style board presentation PPTs from weekly auto insurance data. Automatically calculates 16+ KPIs, creates executive-level slides with actionable insights, and supports week-over-week comparisons. Use when user uploads insurance cost data (Excel\u002FCSV) and requests board report, weekly presentation, executive briefing, or mentions keywords like 董事会汇报, 周报PPT, 经营分析演示, McKinsey-style reports.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fweekly-kpi-report\u002FSKILL.md",[176,179,182],{"categoryNo":177,"categoryName":178,"taxonomyType":127,"taxonomyTypeDesc":128},"01JBSEEDCAT000000000000003","演示文稿",{"categoryNo":180,"categoryName":181,"taxonomyType":127,"taxonomyTypeDesc":128},"01JBSEEDCAT000000000000004","电子表格",{"categoryNo":183,"categoryName":184,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000034","行政与办公人员",[186,187,188,189,190,30,191,192,193,194,31,195,196,197,198,199,200,201,40,202],"weekly","weekly kpi report","kpi","report","xlsx","actionable","insights","briefing","auto","board report","reports","generate","演示","data","presentation","slides","uploads",{"skillNo":204,"name":205,"nameZh":6,"description":206,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":207,"categories":208,"keywords":212,"publishedAt":44},"01M713QA9WJDHMNVTTY1ENRKVB","wealth-advisory","Wealth management and financial planning for HNW and UHNW clients. Activate when the user\nmentions wealth management, financial planning, retirement, estate planning, tax planning,\nGRAT, IDGT, trust, asset allocation, withdrawal rate, Monte Carlo simulation, goals-based\ninvesting, tax-loss harvesting, Roth conversion, insurance, annuity, mortgage strategy,\nconcentrated stock, family office, direct indexing, 529 plan, charitable giving, donor-advised\nfund, private foundation, or asks about personal finance strategy, inheritance, long-term\nfinancial planning, or UHNW advisory.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fwealth-advisory\u002FSKILL.md",[209],{"categoryNo":210,"categoryName":211,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000040","财务",[213,214,30,215,216,31,143,217,218,219,220,221,222,223,224,225,226,227,228,229],"wealth advisory","advisory","stock","inheritance","conversion","indexing","plan","simulation","personal finance","rate","allocation","asset","direct","personal","investing","trust","planning"]