Xpersona
agentCLAWHUBUnverified

Insurance Bidding Pro

保险行业投标专家，覆盖保险公司/保险经纪/保险科技企业的投标全流程，包括偿付能力披露、再保险安排、监管合规声明、保险条款比对、风险准备金说明等保险特有模块。触发词：保险投标、团险投标、保险标书、偿付能力、再保险、CBIRC合规、保险条款比对。 Skill: Insurance Bidding Pro Owner: gechengling Summary: 保险行业投标专家，覆盖保险公司/保险经纪/保险科技企业的投标全流程，包括偿付能力披露、再保险安排、监管合规声明、保险条款比对、风险准备金说明等保险特有模块。触发词：保险投标、团险投标、保险标书、偿付能力、再保险、CBIRC合规、保险条款比对。 Tags: CBIRC:1.1.0, China-insurance:1.1.0, banking:5.0.0, bidding:1.1.0, chinese-market:1.1.0, compliance:1.1.0, dianjin:5.0.0, finance:5.0.0, group-insurance:1.1.0, insurance:5.0.0, insurance-bid:1.1.0, insurance-bidding-pro:5.0.3, latest:5.

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.3k

Updated

Oct 10, 2026

Version

5.0.3

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.3K downloads reported by the source. Last updated 10/10/2026.

Avoid when

  • Contract metadata is missing or unavailable for deterministic execution.

Risk flags: missing_or_unavailable_contract, trust_data_unavailable, schema_references_missing

Public facts

Every fact links back to the source it came from.

Vendor
Clawhubvendor · observed Oct 10, 2026
Protocol compatibility
OpenClawcompatibility · observed Oct 10, 2026
Adoption signal
1.3K downloadsadoption · observed Oct 10, 2026
Latest release
5.0.3release · observed Sep 15, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-bidding-pro
  1. Setup complexity is classified as HIGH. You must provision dedicated cloud infrastructure or an isolated VM. Do not run this directly on your local workstation.
  2. Final validation: Expose the agent to a mock request payload inside a sandbox and trace the network egress before allowing access to real customer data.

Contract: missing

curl -s "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-bidding-pro/snapshot"

Documentation

CLAWHUB

114,956 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: Insurance Industry Bidding Expert
description: AI-powered insurance bidding expert for China market — covers the complete insurance bid lifecycle including solvency disclosure (C-ROSS Rules II), reinsurance arrangements, regulator compliance, policy clause comparison, risk reserve explanations, and current procurement rules. Built for insurance companies, brokers, and insurtech companies. Keywords: insurance bid, group insurance bid, solvency, reinsurance, NFRA compliance, China insurance, 招投标法修订, 团险投标, 保险标书撰写, C-ROSS合规, 再保险安排, 政府采购, 电子投标, 标书生成, 废标检查, 保费报价, 条款比对, 惠民保, 共保体.
slug: insurance-bidding-pro
version: 5.0.3

capabilities:
  - educational-reference
  - advisory-only
  - requires-human-review
  - no-executable-code
---

# Insurance Industry Bidding Expert (Insurance Bidding Pro) / 保险行业投标专家

> **⚠️ SECURITY NOTICE / 安全声明**
> - **Type:** Educational reference / analytical framework ONLY
> - **No executable code, scripts, or binaries are included in this skill**
> - **No persistent storage, network calls, background execution, or credential collection**
> - **All outputs are for reference only and require human review before real-world application**
> - **This skill does NOT provide financial, legal, or insurance advice**
> - **Users must exercise their own judgment and consult qualified professionals**

> **English:** AI-powered insurance bidding expert — the definitive vertical skill for insurance companies, brokers, and insurtech companies participating in China government and corporate procurement bids. Covers solvency disclosure (C-ROSS), reinsurance arrangements, regulator compliance, policy clause comparison, and risk reserve explanations. Unique to this skill: insurance-specific bid modules that generic tools cannot provide.
>
> **中文:** 保险行业投标专家——保险公司、保险经纪公司、保险科技企业参与招标的必备垂直工具。覆盖偿付能力披露（偿二代规则Ⅱ）、再保险安排、国家金融监督管理总局合规、条款比对、风险准备金说明，以及城市定制型商业医疗险（惠民保）共保体投标等保险特有模块，是通用招标工具无法覆盖的专业场景。

> **术语提示**：保险业监管机构自 2023 年起为国家金融监督管理总局（NFRA），原中国银行保险监督管理委员会（CBIRC / 银保监会）已不再使用。引用历史文件时保留原文机构名，本技能正文统一使用现行名称。

---

## Trigger Keywords / 触发关键词

**English Triggers:** insurance bid, insurance bidding, group insurance bid, insurance tender, solvency disclosure, reinsurance, NFRA compliance, insurance policy comparison, C-ROSS, risk reserve, inclusive insurance co-insurance

**中文触发词（优先）：** 保险投标、团险投标、保险标书、保险公司招标、偿付能力、再保险、保险条款比对、偿二代、风险准备金、国家金融监督管理总局、惠民保、共保体投标、理赔服务承诺、废标检查

> 触发边界：本技能面向**保险机构参与招投标**场景。通用工程/采购招标流程请使用通用招投标工具。

---

## Core Capabilities / 核心能力

### 0. 保险投标监管动态（截至 2026-09-15）

| 时间 | 动态 | 对保险投标的影响 | 投标侧应对 |
|------|------|---------------|-----------|
| **2026年1月1日** | 招标投标领域新规实施 | 招标人主体责任更明确，资格预审标准更规范 | 逐条核对资格预审条件，不留"待补" |
| **2026年** | 《招标投标法》修订推进 | 投标保证金管理、电子化投标要求提升 | 关注保证金形式与退还条款 |
| **2026年** | 金融监管机构改革后续落地 | 投标文件中的监管机构名称需使用现行表述 | 全文检索并替换过时机构名 |
| **2026年** | 数据安全与个人信息保护要求深化 | 投标文件中涉及客户数据的部分需脱敏 | 案例数据去标识化后使用 |
| **2025年** | 政府采购云平台扩大应用 | 保险投标需支持电子投标（PDF + 结构化表单） | 提前确认平台格式与签章要求 |
| **2025年10月** |

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "insurance-bidding-pro",
  "version": "5.0.3",
  "publishedAt": 1789481479639
}

skill-card.md

## Description:

AI-powered insurance bidding expert for the China market that helps insurance companies, brokers, and insurtech teams prepare bid materials, compare policy clauses, review regulatory compliance items, and structure insurance-specific risk checks.

This skill is ready for commercial/non-commercial use.

## Publisher:

[gechengling](https://clawhub.ai/user/gechengling)

### License/Terms of Use:

MIT-0

## Use Case:

External insurance companies, brokers, and insurtech teams use this skill to draft and review China-market insurance bid content, including technical and commercial bid sections, solvency disclosure, reinsurance arrangements, clause comparison, compliance checklists, and disqualification risk checks. Outputs are reference material and require review by business, actuarial, legal, and compliance teams before use in real bids.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Regulatory references, procurement rules, and market practice notes may become outdated or differ by tender.

Mitigation: Verify regulatory references against current official sources and the specific tender documents before relying on generated content.

Risk: Bid, pricing, solvency, compliance, legal, or insurance wording may be incomplete or unsuitable for a real submission.

Mitigation: Have responsible business, actuarial, legal, and compliance reviewers approve outputs before submission.

Risk: Bid examples or supporting materials may expose customer, claim, employee, or policyholder information.

Mitigation: De-identify customer and personal data before using examples or case material in generated bid content.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/gechengling/skills/insurance-bidding-pro)

## Skill Output:

**Output Type(s):** [text, markdown, guidance]

**Output Format:** [Markdown and structured text with tables, checklists, bid section outlines, comparison matrices, and review guidance]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Advisory reference output only; no executable code, network calls, persistence, or credential handling are present in the inspected artifact.]

## Skill Version(s):

5.0.3 (source: frontmatter and server release metadata)

## Ethical Considerations:

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.

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Machine-readable data

The same record, as JSON, for agents and crawlers.

{
  "facts": [
    {
      "factKey": "vendor",
      "category": "vendor",
      "label": "Vendor",
      "value": "Clawhub",
      "href": "https://clawhub.ai/gechengling/skills/insurance-bidding-pro",
      "sourceUrl": "https://clawhub.ai/gechengling/skills/insurance-bidding-pro",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-10T19:13:40.526Z",
      "isPublic": true
    },
    {
      "factKey": "protocols",
      "category": "compatibility",
      "label": "Protocol compatibility",
      "value": "OpenClaw",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-bidding-pro/contract",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-bidding-pro/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-10T19:13:40.526Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1.3K downloads",
      "href": "https://clawhub.ai/gechengling/insurance-bidding-pro",
      "sourceUrl": "https://clawhub.ai/gechengling/insurance-bidding-pro",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-10T19:13:40.526Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
      "label": "Latest release",
      "value": "5.0.3",
      "href": "https://clawhub.ai/gechengling/insurance-bidding-pro",
      "sourceUrl": "https://clawhub.ai/gechengling/insurance-bidding-pro",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-15T14:11:19.639Z",
      "isPublic": true
    },
    {
      "factKey": "handshake_status",
      "category": "security",
      "label": "Handshake status",
      "value": "UNKNOWN",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-bidding-pro/trust",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-bidding-pro/trust",
      "sourceType": "trust",
      "confidence": "medium",
      "observedAt": null,
      "isPublic": true
    }
  ],
  "events": [
    {
      "eventType": "release",
      "title": "Release 5.0.3",
      "description": "内容增强（4417→8046字符）：监管机构名称统一为现行国家金融监督管理总局并补术语沿革提示；技术标/商务标由清单改为评分对照表（含评审关注点与常见失分点）、新增报价结构与时间倒排表；新增惠民保/共保体投标模块与特别提示；合规核对改为可留痕记录表；新增常见废标原因处置表、条款比对输出要求、投标时间倒排表与责任分工；移除易被误读的执行类表述，协同技能改为按需自行选用；监管动态扩充至8项并更新至 2026-09-15；版本号与线上对齐（2.0.0→5.0.3）",
      "href": "https://clawhub.ai/gechengling/insurance-bidding-pro",
      "sourceUrl": "https://clawhub.ai/gechengling/insurance-bidding-pro",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-15T14:11:19.639Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 10, 2026.

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