[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6XGV5MP7A2P29A0NF5T968D":3,"skill-same:01M6XGV5MP7A2P29A0NF5T968D":67},{"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":24,"linkOnly":25,"markdownContent":26,"markdownBody":27,"frontMatter":28,"refName":31,"commitSha":32,"skillDirectory":33,"forksCount":34,"repositoryHtmlUrl":35,"repositoryHomepageUrl":6,"ownerHtmlUrl":36,"ownerBlogUrl":6,"ownerDescription":37,"updatedAt":38,"install":39,"resources":52},"01M6XGV5MP7A2P29A0NF5T968D","insurance-underwriting-claims",null,"ウェアラブルやドライブレコーダーのデータから個人のリスクを瞬時に算定し、保険料の決定と支払いを自動化するスキル。","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\u002Finsurance-underwriting-claims\u002FSKILL.md",[],[19,20,21,22,23],"underwriting","claims","insurance","insurance underwriting claims","orchestrator","2026-11-10 10:12:30",false,"---\nname: insurance-underwriting-claims\ndescription: ウェアラブルやドライブレコーダーのデータから個人のリスクを瞬時に算定し、保険料の決定と支払いを自動化するスキル。\nversion: 2.0.0\nauthor: SBI Orchestrator\n---\n# insurance-underwriting-claims (InsurTech Core)\n\n## 1. Overview\n保険ビジネスを「事後処理型」から「データ駆動型」へと変革するスキルです。\nIoTデータを用いた動的なリスク評価（アンダーライティング）と、スマートコントラクトによる即時支払い（保険金請求）を実現します。\n\n## 2. Capabilities & Routing\n| Intent | Agent | Strategy |\n| :--- | :--- | :--- |\n| 保険金支払い自動判定 | **Claim Settlement Bot** | 事故データや公的証明書と照合し、人手を介さずに支払いを承認。 |\n| ダイナミック・アンダーライティング | **Underwriting Engine** | リアルタイムのリスクデータに基づき、個別に最適化された保険料を算出。 |\n\n## 3. Workflow\n1. **Monitor**: `Underwriting Engine` がテレマティクスデータを監視し、安全運転なら保険料を割引。\n2. **Detect**: 事故や災害の発生を検知。\n3.  **Verify**: `Claim Settlement Bot` が、提出された証拠（写真、GPS）の真正性を検証。\n4.  **Pay**: 条件を満たせば、銀行API経由で即時送金。\n\n## 4. Operational Principles\n*   **Fairness**: AIの判定ロジックに差別的なバイアスが含まれないよう監視する。\n*   **Transparency**: 査定結果の理由（なぜ支払われないのか）を明確に説明する。\n","# insurance-underwriting-claims (InsurTech Core)\n\n## 1. Overview\n保険ビジネスを「事後処理型」から「データ駆動型」へと変革するスキルです。\nIoTデータを用いた動的なリスク評価（アンダーライティング）と、スマートコントラクトによる即時支払い（保険金請求）を実現します。\n\n## 2. Capabilities & Routing\n| Intent | Agent | Strategy |\n| :--- | :--- | :--- |\n| 保険金支払い自動判定 | **Claim Settlement Bot** | 事故データや公的証明書と照合し、人手を介さずに支払いを承認。 |\n| ダイナミック・アンダーライティング | **Underwriting Engine** | リアルタイムのリスクデータに基づき、個別に最適化された保険料を算出。 |\n\n## 3. Workflow\n1. **Monitor**: `Underwriting Engine` がテレマティクスデータを監視し、安全運転なら保険料を割引。\n2. **Detect**: 事故や災害の発生を検知。\n3.  **Verify**: `Claim Settlement Bot` が、提出された証拠（写真、GPS）の真正性を検証。\n4.  **Pay**: 条件を満たせば、銀行API経由で即時送金。\n\n## 4. Operational Principles\n*   **Fairness**: AIの判定ロジックに差別的なバイアスが含まれないよう監視する。\n*   **Transparency**: 査定結果の理由（なぜ支払われないのか）を明確に説明する。\n",{"name":5,"author":29,"version":30,"description":7},"SBI Orchestrator","2.0.0","main","b22eca2e974f918ce591c5b2bd829fb7510e0191","Skills\u002Finsurance-underwriting-claims",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":40,"prompt":50,"zipAvailable":51},[41,44,47],{"tool":42,"command":43},"npx","npx skills add FDU-INS\u002FInsurance-Skills --skill insurance-underwriting-claims",{"tool":45,"command":46},"bunx","bunx skills add FDU-INS\u002FInsurance-Skills --skill insurance-underwriting-claims",{"tool":48,"command":49},"pnpm","pnpm dlx skills add FDU-INS\u002FInsurance-Skills --skill insurance-underwriting-claims","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Finsurance-underwriting-claims\u002FSKILL.md",true,[53,59,63],{"path":54,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":57,"sourceHtmlUrl":58},"INSURANCE_MANUAL.md","REFERENCE","参考文档",1561,"https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Finsurance-underwriting-claims\u002FINSURANCE_MANUAL.md",{"path":60,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":61,"sourceHtmlUrl":62},"references\u002Fclaims_ai_model_def.md",81,"https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Finsurance-underwriting-claims\u002Freferences\u002Fclaims_ai_model_def.md",{"path":64,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":65,"sourceHtmlUrl":66},"references\u002Fexplanation_video_library.md",52,"https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Finsurance-underwriting-claims\u002Freferences\u002Fexplanation_video_library.md",[68,98,123,154,175,208],{"skillNo":69,"name":70,"nameZh":6,"description":71,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":72,"categories":73,"keywords":79,"publishedAt":24},"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",[74],{"categoryNo":75,"categoryName":76,"taxonomyType":77,"taxonomyTypeDesc":78},"01JBSEEDCAT000000000000037","律师与法务","PROFESSION","适用职业",[70,80,21,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97],"insurance law","civil","contract","family","when","review","loyalty","with","top","contract review","ceo","support","advice","consultation","regulatory","privacy","protection","startup",{"skillNo":99,"name":100,"nameZh":6,"description":101,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":102,"categories":103,"keywords":104,"publishedAt":24},"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",[],[105,106,107,108,21,109,110,84,111,112,113,114,115,116,117,118,119,120,121,122],"zocdoc doctor finder","doctor","healthcare","reviews","browser automation","access","browsing","browser","booking","network","therapist","computer","availability","for","provider","tool","use","automation",{"skillNo":124,"name":125,"nameZh":6,"description":126,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":127,"categories":128,"keywords":134,"publishedAt":24},"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",[129],{"categoryNo":130,"categoryName":131,"taxonomyType":132,"taxonomyTypeDesc":133},"01JBSEEDCAT000000000000016","图像与多媒体","SCENARIO","使用场景",[135,136,137,138,21,139,140,141,142,143,144,145,146,147,148,149,150,151,152,153],"context","zenmux context","Video","chinese","project","web search","translate","search","open","question","pay","image","you","activate","architecture","logs","streaming","cherry studio","how",{"skillNo":155,"name":156,"nameZh":6,"description":157,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":158,"categories":159,"keywords":160,"publishedAt":24},"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",[],[161,162,163,164,165,21,166,167,121,84,168,87,169,20,170,171,172,173,174],"workers","comp","workers comp","workers comp guide","guide","triggers","workers-comp","tasks","claims management","compliance","help","compensation","management","user",{"skillNo":176,"name":177,"nameZh":6,"description":178,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":179,"categories":180,"keywords":190,"publishedAt":24},"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",[181,184,187],{"categoryNo":182,"categoryName":183,"taxonomyType":132,"taxonomyTypeDesc":133},"01JBSEEDCAT000000000000003","演示文稿",{"categoryNo":185,"categoryName":186,"taxonomyType":132,"taxonomyTypeDesc":133},"01JBSEEDCAT000000000000004","电子表格",{"categoryNo":188,"categoryName":189,"taxonomyType":77,"taxonomyTypeDesc":78},"01JBSEEDCAT000000000000034","行政与办公人员",[191,192,193,194,195,21,196,197,198,199,84,200,201,202,203,204,205,206,121,207],"weekly","weekly kpi report","kpi","report","xlsx","actionable","insights","briefing","auto","board report","reports","generate","演示","data","presentation","slides","uploads",{"skillNo":209,"name":210,"nameZh":6,"description":211,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":212,"categories":213,"keywords":217,"publishedAt":24},"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",[214],{"categoryNo":215,"categoryName":216,"taxonomyType":77,"taxonomyTypeDesc":78},"01JBSEEDCAT000000000000040","财务",[218,219,21,220,221,84,148,222,223,224,225,226,227,228,229,230,231,232,233,234],"wealth advisory","advisory","stock","inheritance","conversion","indexing","plan","simulation","personal finance","rate","allocation","asset","direct","personal","investing","trust","planning"]