[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6XGFQNX123YFSXVXG2BCKF5":3,"skill-same:01M6XGFQNX123YFSXVXG2BCKF5":66},{"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":18,"publishedAt":39,"linkOnly":40,"markdownContent":41,"markdownBody":42,"frontMatter":43,"refName":44,"commitSha":45,"skillDirectory":46,"forksCount":47,"repositoryHtmlUrl":48,"repositoryHomepageUrl":6,"ownerHtmlUrl":49,"ownerBlogUrl":6,"ownerDescription":50,"updatedAt":51,"install":52,"resources":65},"01M6XGFQNX123YFSXVXG2BCKF5","india-health-insurance",null,"Health insurance planning for Indian families — Section 80D optimization, family floater vs individual, super top-up strategy, parents' coverage, critical illness, corporate cover limitations, and IRDAI portability. Triggers on 'health insurance', '80D', 'mediclaim', 'family floater', 'super top-up', 'health cover', 'parents health insurance', 'medical insurance', or 'health insurance for family'.","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\u002Findia-health-insurance\u002FSKILL.md",[],[19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38],"india health insurance","insurance","health","health insurance","india","critical","section","super","for","portability","top","corporate","medical","triggers","family","up","coverage","strategy","Optimization","planning","2026-11-10 10:12:30",false,"---\nname: india-health-insurance\ndescription: \"Health insurance planning for Indian families — Section 80D optimization, family floater vs individual, super top-up strategy, parents' coverage, critical illness, corporate cover limitations, and IRDAI portability. Triggers on 'health insurance', '80D', 'mediclaim', 'family floater', 'super top-up', 'health cover', 'parents health insurance', 'medical insurance', or 'health insurance for family'.\"\n---\n\n# Health Insurance Planner for Indian Families\n\nComprehensive health insurance planning covering 80D optimization, family\u002Fparents coverage, super top-up strategy, and Indian market nuances.\n\n## Workflow\n\n### Step 1: Current Coverage Assessment\n\n- **Corporate group health cover**: Sum insured, who's covered, restrictions\n- **Personal health insurance**: Policy name, insurer, sum insured, premium, coverage\n- **Parents' insurance**: Separate policy? Sum insured? Pre-existing disease (PED) status?\n- **Critical illness cover**: Standalone or rider?\n- **Personal accident cover**: Exists?\n- **Family members**: Self, spouse, children (ages), parents (ages), dependent siblings\n- **Pre-existing conditions**: Any family member — diabetes, BP, heart, etc.\n- **City**: Metro hospital costs (Bangalore\u002FMumbai\u002FDelhi) vs non-metro\n- **80D status**: How much deduction currently claimed?\n\n### Step 2: Section 80D Deduction Structure\n\n| Category | Limit (₹) | Who Pays | Who's Covered |\n|----------|-----------|----------|--------------|\n| Self + spouse + children (\u003C60) | 25,000 | You | Family |\n| Self + spouse + children (you or spouse ≥60) | 50,000 | You | Family |\n| Parents (\u003C60) | 25,000 | You | Parents |\n| Parents (either ≥60) | 50,000 | You | Parents |\n| Preventive health checkup | 5,000 | You | Family + parents |\n| **Maximum total** | **₹1,00,000** | | (if both self + parents are senior) |\n\n**Common scenario (age \u003C60, parents \u003C60):** ₹25K + ₹25K = **₹50K deduction**\n**Best case (self ≥60, parents ≥60):** ₹50K + ₹50K = **₹1,00,000 deduction**\n\nNote: Preventive checkup (₹5K) is WITHIN the above limits, not additional.\n\n### Step 3: Coverage Strategy — The 3-Layer Approach\n\n**Layer 1: Base Health Insurance (₹10-25L)**\n- Family floater covering self + spouse + children\n- No sub-limits on room rent\n- Restoration benefit preferred\n- Premium: ₹15,000-35,000\u002Fyear for family of 4\n\n**Layer 2: Super Top-Up (₹50L-1Cr)**\n- Kicks in after base policy exhausts (deductible = base sum insured)\n- Dramatically cheaper than increasing base: ₹75L super top-up ≈ ₹5,000-8,000\u002Fyear\n- Same insurer as base for seamless claims\n\n**Layer 3: Critical Illness (₹25-50L)**\n- Lump sum payout on diagnosis (cancer, heart attack, stroke, kidney failure, etc.)\n- Covers income loss + treatment not covered by regular health insurance\n- Premium: ₹3,000-8,000\u002Fyear for ₹25L cover at age 30-35\n\n**Total recommended coverage:**\n- Base ₹15-25L + Super top-up ₹75L + Critical illness ₹25-50L\n- Total effective coverage: **₹1-1.5 Crore** at premium of **₹25,000-50,000\u002Fyear**\n\n### Step 4: Parents' Coverage — Separate Planning\n\nParents need their own policy (not on your family floater):\n\n| Age Group | Recommended Cover | Estimated Premium | Key Considerations |\n|-----------|------------------|------------------|-------------------|\n| 45-55 | ₹10-15L + ₹25L top-up | ₹15-25K | Get in early, lower premium locked |\n| 55-65 | ₹10-15L + ₹25L top-up | ₹25-45K | Pre-existing waiting period critical |\n| 65-75 | ₹5-10L + ₹15L top-up | ₹40-70K | Limited options, consider SCSS + self-fund |\n| 75+ | ₹5L base | ₹60-100K+ | Very few insurers, consider self-insuring |\n\n**Senior citizen specific plans**: Star Health, HDFC Ergo, New India — offer plans up to age 65-70 entry.\n\n**Pre-existing disease (PED) waiting period:**\n- Standard: 48 months (4 years)\n- Some plans: 36 months or 24 months (higher premium)\n- If parents have diabetes\u002FBP — get insured NOW, don't wait\n\n### Step 5: Corporate Group Cover — Know the Limits\n\nYour employer's group health cover is NOT enough because:\n\n| Risk | Impact |\n|------|--------|\n| Job loss\u002Fchange | Coverage ends immediately |\n| Low sum insured | Typically ₹3-5L, some ₹10L — insufficient for major surgery |\n| Sub-limits | Room rent capped, specific procedure caps |\n| No portability | Can't convert to individual plan in most cases |\n| Family restrictions | May not cover parents |\n| Claim experience affects group | Your claim doesn't build individual claim-free bonus |\n\n**Rule**: Treat corporate cover as a bonus. Always maintain a personal policy.\n\n### Step 6: Plan Selection Criteria\n\n| Criterion | What to Check | Red Flag |\n|-----------|--------------|----------|\n| Claim Settlement Ratio (CSR) | >94% | Below 85% |\n| Network hospitals | Your city's top hospitals covered | Major hospitals missing |\n| Room rent | No sub-limits preferred | ₹5K-10K room cap |\n| Co-pay | 0% preferred | Mandatory 10-20% co-pay |\n| Restoration benefit | Full sum restored after claim | No restoration |\n| No-claim bonus | 10-50% annual increase | Caps at low % |\n| Pre-existing waiting | 24-48 months | >48 months |\n| Day care procedures | 500+ covered | Limited list |\n| AYUSH coverage | Included | Not covered |\n| Maternity (if needed) | 9-month waiting, ₹50K-1L | Not available |\n\n**Top insurers by CSR (verify latest):**\n- HDFC Ergo, ICICI Lombard, Star Health, Care Health, Niva Bupa, ManipalCigna\n\n### Step 7: When to Buy — Age vs Premium Impact\n\n| Entry Age | Approx Premium (₹10L family floater) | Lifetime Impact |\n|-----------|--------------------------------------|----------------|\n| 25 | ₹8,000-12,000 | Lowest premium, no PED issues |\n| 30 | ₹12,000-18,000 | Still affordable, good entry |\n| 35 | ₹18,000-25,000 | Moderate, act now |\n| 40 | ₹25,000-35,000 | Getting expensive, PED waiting starts |\n| 45 | ₹35,000-50,000 | High premium, limited options |\n| 50+ | ₹50,000-80,000+ | Very expensive, may face exclusions |\n\n**Key insight**: Buy early. Premium increases are compounding — a ₹10K policy at 25 costs less over a lifetime than starting at 40.\n\n### Step 8: IRDAI Portability Rules\n\nYou CAN switch insurers while keeping benefits:\n- Waiting period credits transfer (PED, specific diseases)\n- No-claim bonus transfers\n- Must port during renewal window (45-60 days before expiry)\n- New insurer can't impose fresh waiting for already covered PEDs\n- Sum insured can be maintained or increased\n\n**When to port**: Poor claim experience, better plan available, network hospital changes.\n\n### Step 9: Annual Review Checklist\n\n- [ ] Review sum insured vs medical inflation (10%\u002Fyear — is cover still adequate?)\n- [ ] Check if family situation changed (new child, parents aged into senior category)\n- [ ] Verify 80D deduction fully utilized\n- [ ] Review claim settlement experience of insurer\n- [ ] Check network hospital list for your area\n- [ ] Compare renewal premium with market alternatives\n- [ ] Ensure no-claim bonus is correctly applied\n- [ ] Consider increasing super top-up if base was used\n- [ ] Review critical illness cover adequacy\n\n### Step 10: Output\n\n- Coverage gap analysis (current vs recommended)\n- 3-layer coverage recommendation with specific plans\n- Parents' coverage plan\n- 80D deduction optimization\n- Premium comparison table\n- Annual review calendar\n\n## Cross-References\n\n| Topic | Go To |\n|-------|-------|\n| 80D deduction in full tax plan | india-tax-optimizer Step 4 |\n| Health insurance as risk management | india-financial-plan Step 4 → Risk Management |\n| Parents' coverage in financial planning | india-financial-plan Step 1 (Parents section) |\n| Healthcare costs in retirement modeling | india-financial-plan Step 3 (Distribution Phase) |\n| Tax rates quick reference | references\u002Ftax-rates-india.md |\n\n## Important Notes\n\n- **Healthcare inflation in India is 10-12%.** A ₹10L cover today = ₹5L in real terms in 7 years. Plan for ₹1Cr+ effective coverage.\n- **Super top-up is the most cost-efficient way to increase coverage.** ₹75L top-up costs ₹5-8K\u002Fyear — a fraction of increasing base to ₹1Cr.\n- **Corporate cover is a trap.** It lulls people into thinking they're covered. Always have personal insurance.\n- **Parents' insurance gets exponentially expensive with age.** Buy at 50, not 60. The 10-year head start saves lakhs in lifetime premium.\n- **Pre-existing disease waiting period is the #1 catch.** If parents have diabetes\u002FBP\u002Fheart conditions, start the 4-year clock NOW.\n- **Room rent sub-limits can destroy your claim.** A ₹10K room limit means proportional reduction on ALL expenses, not just room rent. Always choose no-sub-limit plans.\n- **80D deduction is available in BOTH Old and New tax regimes** — unlike 80C. This makes health insurance uniquely valuable regardless of regime choice. (Note: verify with latest Finance Act as rules may change.)\n","# Health Insurance Planner for Indian Families\n\nComprehensive health insurance planning covering 80D optimization, family\u002Fparents coverage, super top-up strategy, and Indian market nuances.\n\n## Workflow\n\n### Step 1: Current Coverage Assessment\n\n- **Corporate group health cover**: Sum insured, who's covered, restrictions\n- **Personal health insurance**: Policy name, insurer, sum insured, premium, coverage\n- **Parents' insurance**: Separate policy? Sum insured? Pre-existing disease (PED) status?\n- **Critical illness cover**: Standalone or rider?\n- **Personal accident cover**: Exists?\n- **Family members**: Self, spouse, children (ages), parents (ages), dependent siblings\n- **Pre-existing conditions**: Any family member — diabetes, BP, heart, etc.\n- **City**: Metro hospital costs (Bangalore\u002FMumbai\u002FDelhi) vs non-metro\n- **80D status**: How much deduction currently claimed?\n\n### Step 2: Section 80D Deduction Structure\n\n| Category | Limit (₹) | Who Pays | Who's Covered |\n|----------|-----------|----------|--------------|\n| Self + spouse + children (\u003C60) | 25,000 | You | Family |\n| Self + spouse + children (you or spouse ≥60) | 50,000 | You | Family |\n| Parents (\u003C60) | 25,000 | You | Parents |\n| Parents (either ≥60) | 50,000 | You | Parents |\n| Preventive health checkup | 5,000 | You | Family + parents |\n| **Maximum total** | **₹1,00,000** | | (if both self + parents are senior) |\n\n**Common scenario (age \u003C60, parents \u003C60):** ₹25K + ₹25K = **₹50K deduction**\n**Best case (self ≥60, parents ≥60):** ₹50K + ₹50K = **₹1,00,000 deduction**\n\nNote: Preventive checkup (₹5K) is WITHIN the above limits, not additional.\n\n### Step 3: Coverage Strategy — The 3-Layer Approach\n\n**Layer 1: Base Health Insurance (₹10-25L)**\n- Family floater covering self + spouse + children\n- No sub-limits on room rent\n- Restoration benefit preferred\n- Premium: ₹15,000-35,000\u002Fyear for family of 4\n\n**Layer 2: Super Top-Up (₹50L-1Cr)**\n- Kicks in after base policy exhausts (deductible = base sum insured)\n- Dramatically cheaper than increasing base: ₹75L super top-up ≈ ₹5,000-8,000\u002Fyear\n- Same insurer as base for seamless claims\n\n**Layer 3: Critical Illness (₹25-50L)**\n- Lump sum payout on diagnosis (cancer, heart attack, stroke, kidney failure, etc.)\n- Covers income loss + treatment not covered by regular health insurance\n- Premium: ₹3,000-8,000\u002Fyear for ₹25L cover at age 30-35\n\n**Total recommended coverage:**\n- Base ₹15-25L + Super top-up ₹75L + Critical illness ₹25-50L\n- Total effective coverage: **₹1-1.5 Crore** at premium of **₹25,000-50,000\u002Fyear**\n\n### Step 4: Parents' Coverage — Separate Planning\n\nParents need their own policy (not on your family floater):\n\n| Age Group | Recommended Cover | Estimated Premium | Key Considerations |\n|-----------|------------------|------------------|-------------------|\n| 45-55 | ₹10-15L + ₹25L top-up | ₹15-25K | Get in early, lower premium locked |\n| 55-65 | ₹10-15L + ₹25L top-up | ₹25-45K | Pre-existing waiting period critical |\n| 65-75 | ₹5-10L + ₹15L top-up | ₹40-70K | Limited options, consider SCSS + self-fund |\n| 75+ | ₹5L base | ₹60-100K+ | Very few insurers, consider self-insuring |\n\n**Senior citizen specific plans**: Star Health, HDFC Ergo, New India — offer plans up to age 65-70 entry.\n\n**Pre-existing disease (PED) waiting period:**\n- Standard: 48 months (4 years)\n- Some plans: 36 months or 24 months (higher premium)\n- If parents have diabetes\u002FBP — get insured NOW, don't wait\n\n### Step 5: Corporate Group Cover — Know the Limits\n\nYour employer's group health cover is NOT enough because:\n\n| Risk | Impact |\n|------|--------|\n| Job loss\u002Fchange | Coverage ends immediately |\n| Low sum insured | Typically ₹3-5L, some ₹10L — insufficient for major surgery |\n| Sub-limits | Room rent capped, specific procedure caps |\n| No portability | Can't convert to individual plan in most cases |\n| Family restrictions | May not cover parents |\n| Claim experience affects group | Your claim doesn't build individual claim-free bonus |\n\n**Rule**: Treat corporate cover as a bonus. Always maintain a personal policy.\n\n### Step 6: Plan Selection Criteria\n\n| Criterion | What to Check | Red Flag |\n|-----------|--------------|----------|\n| Claim Settlement Ratio (CSR) | >94% | Below 85% |\n| Network hospitals | Your city's top hospitals covered | Major hospitals missing |\n| Room rent | No sub-limits preferred | ₹5K-10K room cap |\n| Co-pay | 0% preferred | Mandatory 10-20% co-pay |\n| Restoration benefit | Full sum restored after claim | No restoration |\n| No-claim bonus | 10-50% annual increase | Caps at low % |\n| Pre-existing waiting | 24-48 months | >48 months |\n| Day care procedures | 500+ covered | Limited list |\n| AYUSH coverage | Included | Not covered |\n| Maternity (if needed) | 9-month waiting, ₹50K-1L | Not available |\n\n**Top insurers by CSR (verify latest):**\n- HDFC Ergo, ICICI Lombard, Star Health, Care Health, Niva Bupa, ManipalCigna\n\n### Step 7: When to Buy — Age vs Premium Impact\n\n| Entry Age | Approx Premium (₹10L family floater) | Lifetime Impact |\n|-----------|--------------------------------------|----------------|\n| 25 | ₹8,000-12,000 | Lowest premium, no PED issues |\n| 30 | ₹12,000-18,000 | Still affordable, good entry |\n| 35 | ₹18,000-25,000 | Moderate, act now |\n| 40 | ₹25,000-35,000 | Getting expensive, PED waiting starts |\n| 45 | ₹35,000-50,000 | High premium, limited options |\n| 50+ | ₹50,000-80,000+ | Very expensive, may face exclusions |\n\n**Key insight**: Buy early. Premium increases are compounding — a ₹10K policy at 25 costs less over a lifetime than starting at 40.\n\n### Step 8: IRDAI Portability Rules\n\nYou CAN switch insurers while keeping benefits:\n- Waiting period credits transfer (PED, specific diseases)\n- No-claim bonus transfers\n- Must port during renewal window (45-60 days before expiry)\n- New insurer can't impose fresh waiting for already covered PEDs\n- Sum insured can be maintained or increased\n\n**When to port**: Poor claim experience, better plan available, network hospital changes.\n\n### Step 9: Annual Review Checklist\n\n- [ ] Review sum insured vs medical inflation (10%\u002Fyear — is cover still adequate?)\n- [ ] Check if family situation changed (new child, parents aged into senior category)\n- [ ] Verify 80D deduction fully utilized\n- [ ] Review claim settlement experience of insurer\n- [ ] Check network hospital list for your area\n- [ ] Compare renewal premium with market alternatives\n- [ ] Ensure no-claim bonus is correctly applied\n- [ ] Consider increasing super top-up if base was used\n- [ ] Review critical illness cover adequacy\n\n### Step 10: Output\n\n- Coverage gap analysis (current vs recommended)\n- 3-layer coverage recommendation with specific plans\n- Parents' coverage plan\n- 80D deduction optimization\n- Premium comparison table\n- Annual review calendar\n\n## Cross-References\n\n| Topic | Go To |\n|-------|-------|\n| 80D deduction in full tax plan | india-tax-optimizer Step 4 |\n| Health insurance as risk management | india-financial-plan Step 4 → Risk Management |\n| Parents' coverage in financial planning | india-financial-plan Step 1 (Parents section) |\n| Healthcare costs in retirement modeling | india-financial-plan Step 3 (Distribution Phase) |\n| Tax rates quick reference | references\u002Ftax-rates-india.md |\n\n## Important Notes\n\n- **Healthcare inflation in India is 10-12%.** A ₹10L cover today = ₹5L in real terms in 7 years. Plan for ₹1Cr+ effective coverage.\n- **Super top-up is the most cost-efficient way to increase coverage.** ₹75L top-up costs ₹5-8K\u002Fyear — a fraction of increasing base to ₹1Cr.\n- **Corporate cover is a trap.** It lulls people into thinking they're covered. Always have personal insurance.\n- **Parents' insurance gets exponentially expensive with age.** Buy at 50, not 60. The 10-year head start saves lakhs in lifetime premium.\n- **Pre-existing disease waiting period is the #1 catch.** If parents have diabetes\u002FBP\u002Fheart conditions, start the 4-year clock NOW.\n- **Room rent sub-limits can destroy your claim.** A ₹10K room limit means proportional reduction on ALL expenses, not just room rent. Always choose no-sub-limit plans.\n- **80D deduction is available in BOTH Old and New tax regimes** — unlike 80C. This makes health insurance uniquely valuable regardless of regime choice. (Note: verify with latest Finance Act as rules may change.)\n",{"name":5,"description":7},"main","b22eca2e974f918ce591c5b2bd829fb7510e0191","Skills\u002Findia-health-insurance",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":53,"prompt":63,"zipAvailable":64},[54,57,60],{"tool":55,"command":56},"npx","npx skills add FDU-INS\u002FInsurance-Skills --skill india-health-insurance",{"tool":58,"command":59},"bunx","bunx skills add FDU-INS\u002FInsurance-Skills --skill india-health-insurance",{"tool":61,"command":62},"pnpm","pnpm dlx skills add FDU-INS\u002FInsurance-Skills --skill india-health-insurance","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Findia-health-insurance\u002FSKILL.md",true,[],[67,95,119,150,171,204],{"skillNo":68,"name":69,"nameZh":6,"description":70,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":71,"categories":72,"keywords":78,"publishedAt":39},"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",[73],{"categoryNo":74,"categoryName":75,"taxonomyType":76,"taxonomyTypeDesc":77},"01JBSEEDCAT000000000000037","律师与法务","PROFESSION","适用职业",[69,79,20,80,81,33,82,83,84,85,29,86,87,88,89,90,91,92,93,94],"insurance law","civil","contract","when","review","loyalty","with","contract review","ceo","support","advice","consultation","regulatory","privacy","protection","startup",{"skillNo":96,"name":97,"nameZh":6,"description":98,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":99,"categories":100,"keywords":101,"publishedAt":39},"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",[],[102,103,104,105,20,106,107,82,108,109,110,111,112,113,114,27,115,116,117,118],"zocdoc doctor finder","doctor","healthcare","reviews","browser automation","access","browsing","browser","booking","network","therapist","computer","availability","provider","tool","use","automation",{"skillNo":120,"name":121,"nameZh":6,"description":122,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":123,"categories":124,"keywords":130,"publishedAt":39},"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",[125],{"categoryNo":126,"categoryName":127,"taxonomyType":128,"taxonomyTypeDesc":129},"01JBSEEDCAT000000000000016","图像与多媒体","SCENARIO","使用场景",[131,132,133,134,20,135,136,137,138,139,140,141,142,143,144,145,146,147,148,149],"context","zenmux context","Video","chinese","project","web search","translate","search","open","question","pay","image","you","activate","architecture","logs","streaming","cherry studio","how",{"skillNo":151,"name":152,"nameZh":6,"description":153,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":154,"categories":155,"keywords":156,"publishedAt":39},"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",[],[157,158,159,160,161,20,32,162,117,82,163,85,164,165,166,167,168,169,170],"workers","comp","workers comp","workers comp guide","guide","workers-comp","tasks","claims management","claims","compliance","help","compensation","management","user",{"skillNo":172,"name":173,"nameZh":6,"description":174,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":175,"categories":176,"keywords":186,"publishedAt":39},"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",[177,180,183],{"categoryNo":178,"categoryName":179,"taxonomyType":128,"taxonomyTypeDesc":129},"01JBSEEDCAT000000000000003","演示文稿",{"categoryNo":181,"categoryName":182,"taxonomyType":128,"taxonomyTypeDesc":129},"01JBSEEDCAT000000000000004","电子表格",{"categoryNo":184,"categoryName":185,"taxonomyType":76,"taxonomyTypeDesc":77},"01JBSEEDCAT000000000000034","行政与办公人员",[187,188,189,190,191,20,192,193,194,195,82,196,197,198,199,200,201,202,117,203],"weekly","weekly kpi report","kpi","report","xlsx","actionable","insights","briefing","auto","board report","reports","generate","演示","data","presentation","slides","uploads",{"skillNo":205,"name":206,"nameZh":6,"description":207,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":208,"categories":209,"keywords":213,"publishedAt":39},"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",[210],{"categoryNo":211,"categoryName":212,"taxonomyType":76,"taxonomyTypeDesc":77},"01JBSEEDCAT000000000000040","财务",[214,215,20,216,217,82,144,218,219,220,221,222,223,224,225,226,227,228,229,38],"wealth advisory","advisory","stock","inheritance","conversion","indexing","plan","simulation","personal finance","rate","allocation","asset","direct","personal","investing","trust"]