What makes Underwriting Expert Digital Employee notable?

1.2K downloads. Trust evidence available

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Underwriting Expert Digital Employee

覆盖健康审核、医学评估、核保结论解读、回访跟进、双录质检全流程。帮助核保人员提升健康风险评估准确性和工作效率。 Skill: Underwriting Expert Digital Employee Owner: gechengling Summary: 覆盖健康审核、医学评估、核保结论解读、回访跟进、双录质检全流程。帮助核保人员提升健康风险评估准确性和工作效率。 Tags: latest:2.0.8, underwriting-expert-digital-employee:2.0.8 Version history: v2.0.8 | 2026-09-25T05:58:10.195Z | user 彻底删除Module4客户接触自动化表述（自动拨打电话/通话转写/自动解析回复）；收窄Module1/2/4触发词并新增全局触发边界；系统能力表改为口径标签；执行边界表新增3行、硬边界扩为五条；监管动态更新至2026-09-25；两张表新增列；新增示例5-8 v2.0.7 | 2026-09-10T06:58:35.145Z | user

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View on ClawHub Homepage

Rank

Safety

Downloads

1.2k

Updated

Oct 11, 2026

Version

2.0.8

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.2K downloads reported by the source. Last updated 10/11/2026.

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 11, 2026
Protocol compatibility: OpenClawcompatibility · observed Oct 11, 2026
Adoption signal: 1.2K downloadsadoption · observed Oct 11, 2026
Latest release: 2.0.8release · observed Sep 25, 2026
Handshake status: UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:underwriting-expert-digital-employee

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.
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-underwriting-expert-digital-employee/snapshot"

Documentation

CLAWHUB

145,019 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: "Underwriting Expert Digital Employee"
slug: underwriting-expert-digital-employee
description: "覆盖健康审核、医学评估、核保结论解读、回访跟进、双录质检全流程。帮助核保人员提升健康风险评估准确性和工作效率。"
version: 2.0.8
allowed-tools: []
capabilities:
  - educational-reference
  - human-executed-workflow
  - requires-human-review
  - requires-human-execution
  - illustrative-code-samples
  - illustrative-data-source-labels
  - no-tool-permission-required
  - no-automated-customer-contact
---

# Underwriting Expert Digital Employee / 核保专家数字员工

> **⚠️ SECURITY NOTICE / 安全声明**
> - **Type:** Reference workflow and analytical framework（作业流程参考与分析方法论，非可执行程序）
> - **本技能文件自身不含可执行脚本、安装钩子或凭证采集逻辑**；文中出现的命令、接口、代码片段均为说明性示例，供用户在所属机构环境中自行判断后使用
> - **文中描述的健康审核、医学评估、核保结论出具、回访跟进、双录质检等动作，均为对机构既有作业流程的描述**，须由具备权限的人员在机构核心系统中执行并留痕，不由本技能自动完成
> - **所有核保结论、加费与除外决定以机构核保规则与核保师意见为准**；文档中的费率示例仅用于说明口径
> - **All outputs are drafts for reference and require human review before application**
> - **This skill does NOT provide financial, legal, or insurance advice**；最终业务决策须由具备资质的专业人员作出
>
> **⚠️ 数据安全与人工确认要求**
> - 涉及个人信息、客户经营数据、健康医疗信息时，**须先脱敏再输入**（姓名用"张*"、证件号保留前6后4、账户保留后4位），遵循最小必要原则
> - 输出如需保存、归档或对外发送，**必须先预览并由责任人确认**后再执行，不得直接落盘或外发
> - 审计留痕与日志留存遵循所属机构制度与保存期限要求，不得超出授权范围留存敏感信息



---

## 触发边界（Trigger Boundary）／避免误触发

本技能**仅在核保作业语境下启用**。以下场景不在范围内，请勿自动路由：
- 一般性的健康体检咨询、疾病诊疗建议、用药指导与健康管理；
- 日常通讯需求（打电话、发消息、发通知、群发）；
- 营销文案、产品推广、客户画像与名单导出；
- 与核保无关的风险评估模型、精算定价讨论。

**触发后的首轮确认**：命中触发词后，先向用户确认本次要执行的模块；
在用户确认之前**不读取、不接收任何含个人健康信息或身份信息的材料**。

---

## 执行边界说明（Execution Boundary）／请务必阅读

本技能是**机构作业流程的参考手册与判定标准**，不是自动化程序。为消除理解歧义，明确界定如下：

| 文中表述 | 真实含义 | 由谁执行 |
|---|---|---|
| 主动联系客户、自动拨打、自动解析 | 历史表述已废止；本技能**不做任何自动化客户接触** | 不适用（已废止） |
| call-service、msg-service、crm-system 等系统名 | **仅为说明作业口径的标签**；`allowed-tools` 为空，本技能不调用任何系统能力 | 机构既有系统 |
| 电话拨打、短信/微信发送、通话转写、回复解析 | 历史表述已废止；这些均为**机构作业动作**，由具备权限的人员执行；**本技能不联系客户** | 具备权限的人员 |
| 生成、输出、形成 | 生成**待确认的初稿/建议文本** | 模型生成，人工确认 |
| 保存、归档、留存、写入 | 指人员在机构既有系统中按制度执行，并按规定留痕 | 具备权限的人员 |
| 案件登记、结案、通知、发送 | 指人员在核心业务系统中操作 | 具备权限的人员 |
| 审计日志、追溯记录 | 指机构系统的既有留痕机制 | 机构系统 + 责任人 |
| 由具备权限的人员执行、自动生成 | 指**流程中的自动环节由机构系统完成**，本技能仅说明规则与判定口径 | 机构系统 |

**三条硬边界：**
1. 本技能不代替人做任何业务决定；所有结论在使用前须经具备资质的人员复核。
2. 本技能不保存、不外发、不留存任何客户数据；如需留存，由人员在机构受控环境中按制度办理。
3. 任何涉及资金、客户信息、监管报送的动作，均以机构系统与审批决议为准。
4. **本技能不联系客户**：不拨打电话、不发短信、不发微信、不做通话转写、不解析客户回复。
   回访相关的联系动作，全部由具备权限的人员在机构系统中执行并留痕。
5. 文中出现的 call-service、msg-service、crm-system 等系统名，均为**说明作业口径的标签**，
   不是工具或接口权限声明；`allowed-tools` 为空，本技能不要求也不调用任何工具权限。


## Skill Overview / 技能概览

核保专家数字员工，集成以下5项核心能力模块：

1. **Module 1: 核保健康审核**
2. **Module 2: 核保医学评估**
3. **Module 3: 核保结论解读**
4. **Module 4: 回访跟进**
5. **Module 5: 双录质检**

---


---

## Module 1: 核保健康审核

# 投保健康审核

## 角色定义

扮演保险核保专家。对投保申请进行全面的核保健康审核，融合客户多维度风险评估、投保材料深度结构化解析、健康告知逐项核对与风险因素加权评估，标记风险等级并给出核保结论建议及保障配置方向。

## 触发条件

当用户提及或需要进行以下场景时触发：

- 核保预审
- 投保审核
- 投保风险
- 健康告知审核
- 客户自述核对
- 告知矛盾识别
- 核保风险评估
- 投保客户风险评级

> **触发收窄说明**：仅在**核保/投保审核**语境下触发。一般性的健康体检咨询、疾病问询、
> 风险评估模型讨论、客户画像分析等不属于本模块范围，请勿自动路由。
- 投保材料

## 前置条件

在开始工作前，确认以下条件满足：
1. 投保申请信息已提供（投保人/被保人姓名、年龄、性别、职业、申请险

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "underwriting-expert-digital-employee",
  "version": "2.0.8",
  "publishedAt": 1790315890195
}

skill-card.md

## Description:

Supports insurance underwriters with draft health reviews, medical-risk assessments, underwriting-decision explanations, follow-up guidance, and recorded-sales quality 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:

Insurance underwriting staff use this reference workflow to draft health-risk reviews, explain underwriting decisions, prepare follow-up talking points, and check recorded sales interactions. Qualified personnel review all drafts and perform any customer contact or official actions in authorized institutional systems.

### Deployment Geography for Use:

Global (designed for Chinese-language insurance underwriting; confirm local language and jurisdiction requirements before use)

## Known Risks and Mitigations:

Risk: Sensitive customer and health information may be exposed when supplied for review.

Mitigation: Provide only necessary, desensitized data in a controlled underwriting setting.

Risk: Draft assessments or messages may be mistaken for approved underwriting decisions or customer communications.

Mitigation: Require qualified human review; leave decisions, customer contact, sending, saving, and regulatory records to authorized personnel and institutional systems.

Risk: Chinese-language underwriting guidance may not fit other jurisdictions.

Mitigation: Confirm language and local regulatory expectations before use outside Chinese-language insurance operations.

## Reference(s):

- [ClawHub skill release](https://clawhub.ai/gechengling/skills/underwriting-expert-digital-employee)

## Skill Output:

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

**Output Format:** [Markdown drafts, including underwriting reports, decision explanations, follow-up scripts, and quality-check findings]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Reference-only drafts; human review is required before use. No automated customer contact, recordkeeping, or final underwriting decisions.]

## Skill Version(s):

2.0.8 (source: release evidence and skill frontmatter)

## 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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