skill-card.md

## Description: <br>
Provides Chinese-language insurance needs analysis, product comparison, premium estimates, plan design, compliance prompts, claims guidance, and sales or training copy for mainland China insurance scenarios. <br>

This skill is ready for commercial/non-commercial use. <br>

## Publisher: <br>
[mnetfairy](https://clawhub.ai/user/mnetfairy) <br>

### License/Terms of Use: <br>
MIT-0 <br>


## Use Case: <br>
External users and insurance practitioners use this skill to analyze protection gaps, compare mainland China insurance products, estimate premiums, design insurance plans, answer insurance questions, surface compliance reminders, and draft Chinese-language customer communication. <br>

### Deployment Geography for Use: <br>
Mainland China <br>

## Known Risks and Mitigations: <br>
Risk: The skill uses packaged reference files and helper scripts; broader filesystem access is not supported by the current evidence. <br>
Mitigation: Before installing, confirm the runtime grants access only to the packaged skill files needed for normal operation. <br>
Risk: Insurance product availability and premiums may change after the packaged product dataset was generated. <br>
Mitigation: Verify current product details, premium quotes, and eligibility with the insurer or authorized sales channel before making a purchase decision. <br>
Risk: Insurance and compliance guidance may be incomplete for a user's exact facts or jurisdictional obligations. <br>
Mitigation: Treat outputs as decision support and obtain qualified insurance, legal, or compliance review for binding advice. <br>


## Reference(s): <br>
- [Compliance Reference](references/compliance.md) <br>
- [Insurance Knowledge Reference](references/insurance-knowledge.md) <br>
- [Product Data](references/products.json) <br>
- [Product Data Validation Report](references/validation_report_20260524_090219.md) <br>


## Skill Output: <br>
**Output Type(s):** [text, markdown, JSON, shell commands, guidance] <br>
**Output Format:** [Chinese-language Markdown responses and JSON outputs from packaged Python helper scripts] <br>
**Output Parameters:** [1D] <br>
**Other Properties Related to Output:** [Uses packaged static reference data and scripts for needs analysis, premium calculation, and plan design.] <br>

## Skill Version(s): <br>
1.8.191 (source: frontmatter and server release evidence) <br>

## Ethical Considerations: <br>
Users should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment. <br>