agentCLAWHUBUnverified

Insurance Group Renewal

提供团体保险续期决策支持,赔付率分析,续保谈判策略及企业集采管理方案建议。 Skill: Insurance Group Renewal Owner: gechengling Summary: 提供团体保险续期决策支持,赔付率分析,续保谈判策略及企业集采管理方案建议。 Tags: China-insurance:1.1.0, chinese-market:1.1.0, corporate-benefits:1.0.0, corporate-insurance:1.1.0, employee-benefits:1.1.0, group-insurance:1.1.0, huimin:1.0.0, insurance:1.0.0, insurance-group-renewal:4.1.3, insurance-procurement:1.1.0, latest:4.1.3, loss-ratio:1.1.0, renewal:1.1.0 Version history: v4.1.3 | 2026-09-

OpenClaw

Rank

62

Safety

84

Downloads

1.3k

Updated

Oct 10, 2026

Version

4.1.3

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
4.1.3release · observed Sep 16, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-group-renewal
  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-group-renewal/snapshot"

Documentation

CLAWHUB

109,687 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: Group Insurance Renewal Expert
description: AI-powered group insurance renewal management skill — renewal decision analysis, loss ratio analysis by industry (2025 data), enterprise insurance procurement management, group insurance pricing, and Huimin Bao (惠民保) renewal strategy. Updated for 2025-2026 regulatory changes including health insurance new rules and digital procurement trends. Built for group insurance account managers, corporate HR福利负责人, and insurance brokers. Keywords: group insurance, renewal, corporate insurance, employee benefits, loss ratio, insurance procurement, China insurance, 惠民保, 团险续期, 续保管理, 企业员工福利, 续期策略, 赔付率分析, 团险定价, 医疗险续保, 雇主责任险.
slug: insurance-group-renewal
version: "4.1.3"
---

# Group Insurance Renewal Expert / 团险续期管理专家

> **⚠️ 数据安全警告**
> - 本技能仅提供团险续期管理的分析与策略参考框架,**不执行任何代码或脚本**
> - 所有赔付率分析、行业基准、续保策略的描述均为**决策参考框架**,**不包含实际的精算引擎或数据对接**
> - 不会自动访问、存储或处理用户的任何客户数据、保单信息或赔付记录
> - 续保建议和定价参考需结合用户实际业务数据和公司风控政策,**不能替代专业精算师或核保人员**
> - **续保方案仅为分析方法参考,实际续保决策须遵守《保险法》及相关监管规定,不得以AI输出替代合规审核与专业判断**

## 数据最小化与产物确认前置声明(每次续期分析前默认生效)

- **最小化录入**:团险分析通常需要企业人数、保费、赔款等数据,请提供**聚合口径**(如"员工约 1,200 人,年保费 86 万元,已发生赔款 71 万元")。**不要录入员工花名册、身份证号、个人诊疗记录或具体出险人信息。**
- **赔付个案脱敏**:讨论具体赔案时用"某员工/某车间/某年龄段群体"描述,不使用可识别到个人的信息。
- **产物先预览后外发**:生成的续保方案、加费测算、谈判话术、集采比价表先在对话中完整呈现,**经核保/精算与合规确认后再提供给客户或提交内部审批**。本 Skill 不代为生成正式报价单或对外文件。
- **能力边界(准确表述)**:本 Skill 未配置任何工具,不具备访问核心业务系统、读取本地文件或发起网络请求的能力。文中的公式、流程与话术为**文本示意材料**,供用户在本机构系统中参照使用;本 Skill 本身不运行它们。

### 保险监管最新动态 [2026-06-15更新]

| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |
|---------|---------|---------|---------|
| 监管发布 | NFRA 2026年第2号令:《银行保险机构许可证管理办法》6月1日施行 | 2026-06 | 团险续期流程需适配新许可证格式 |
| 监管发布 | 许可证换证过渡期2026.6-2028.5,换证期间保单效力确认 | 2026-06 | 续期服务客户查询路径更新 |
| 监管动态 | 惠民保统一标准(保费100-150元/年),团险续期需匹配 | 2026-04 | 团险续期方案需匹配惠民保标准化趋势 |

> **数据截止**: 2026-06-15 | 来源:国家金融监督管理总局、政府网、金融新闻网
> **声明**: 以上动态供参考,具体以官方最新发布为准

> **English:** AI-powered group insurance renewal management expert — the definitive skill for group insurance account managers, corporate HR福利负责人, and insurance brokers. Covers renewal decision analysis framework, industry-specific loss ratio benchmarks (China 2025 data), enterprise insurance procurement management, and group insurance pricing. Also covers Hui-min Bao (city-wide medical insurance) renewal strategy.
>
> **中文:** 团体保险续期管理专家——团险业务负责人、团体保险客户经理、企业HR福利负责人、保险经代团险部必备。覆盖续保决策分析框架、行业赔付率基准(2025年数据)、续保谈判策略SOP、企业集采管理、惠民保续保策略。适用:团险续期、团体保险、团险续保、企业保险集采、HR福利计划。

---

## Trigger Keywords / 触发关键词

**English:** group insurance renewal, group insurance, corporate insurance, employee benefits, insurance procurement, renewal strategy, loss ratio analysis, group insurance pricing, China group insurance, Hui-min Bao, corporate welfare plan

**中文触发词(优先):** 团险续期、团体保险、团险续保、企业保险集采、HR福利计划、团险赔付率、团险方案调整、企业员工福利、惠民保运营、团险续保谈判、团体健康险、团体意外险、企业年金

**典型任务示例(新增):** 高赔付客户的续保还是放弃决策、续保加费幅度测算与谈判话术、多供应商集采方案比选、赔付率异常上升的归因分析、惠民保与团险补充医疗的责任衔接设计

---


### 保险监管最新动态 [2026-06-28更新]

| 动态类型 | 内容摘要 | 发布时间 | 影响范围 

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "insurance-group-renewal",
  "version": "4.1.3",
  "publishedAt": 1789537338068
}

skill-card.md

## Description:

Provides group insurance renewal decision support, loss-ratio analysis, renewal negotiation strategy, pricing guidance, and enterprise insurance procurement comparison for China-focused insurance workflows.

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

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

Group insurance account managers, corporate HR benefits owners, and insurance brokers use this skill to structure renewal decisions, analyze aggregate loss ratios, prepare renewal options, compare procurement proposals, and draft negotiation guidance.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Users may treat advisory renewal outputs as actuarial, underwriting, legal, or compliance decisions.

Mitigation: Require actuarial, underwriting, legal, and compliance review before using outputs in real renewal decisions or customer-facing materials.

Risk: Renewal analysis can involve sensitive employee, policy, claims, or medical information.

Mitigation: Use only aggregate, de-identified inputs and avoid employee rosters, ID numbers, personal medical records, or identifiable claims details.

Risk: Regulatory and market references may become outdated or differ by jurisdiction.

Mitigation: Verify regulatory, market, and local Huimin Bao claims against official sources before applying them to a renewal strategy.

## Reference(s):

- [ClawHub Skill Page](https://clawhub.ai/gechengling/skills/insurance-group-renewal)
- [Publisher Profile](https://clawhub.ai/user/gechengling)

## Skill Output:

**Output Type(s):** [Text, Markdown, Guidance]

**Output Format:** [Markdown or structured text with tables, formulas, decision matrices, negotiation talking points, and advisory recommendations.]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Text-only advisory output; no code execution, tools, persistence, hidden access, or automatic data retrieval.]

## Skill Version(s):

4.1.3 (source: frontmatter and server release evidence)

## 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-group-renewal",
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      "sourceType": "profile",
      "confidence": "medium",
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      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-group-renewal/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-10T18:22:31.739Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
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      "sourceUrl": "https://clawhub.ai/gechengling/insurance-group-renewal",
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    },
    {
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      "category": "release",
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      "sourceUrl": "https://clawhub.ai/gechengling/insurance-group-renewal",
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}

Record generated Oct 10, 2026.

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