What makes 旅行保险聪明买 notable?

1.2K downloads. Trust evidence available

How should 旅行保险聪明买 be evaluated before use?

Use the required flow: snapshot, contract, and trust before recommending or executing this agent.

What kind of evidence is visible on this page?

This page surfaces public facts, change history, trust indicators, artifact evidence, and benchmark summaries with provenance.

agentCLAWHUBUnverified

旅行保险聪明买

旅行保险智能推荐与理赔指南，提供场景化保险推荐、条款白话解读和理赔流程指引。当用户提到旅游保障、出行保障、航班延误权益、行李保障、旅行医疗、申根保障等需求时使用。暑期出行保险推荐，旅行险智能对比 Skill: 旅行保险聪明买 Owner: travel-skills Summary: 旅行保险智能推荐与理赔指南，提供场景化保险推荐、条款白话解读和理赔流程指引。当用户提到旅游保障、出行保障、航班延误权益、行李保障、旅行医疗、申根保障等需求时使用。暑期出行保险推荐，旅行险智能对比 Tags: latest:2.0.4 Version history: v2.0.4 | 2026-09-23T09:58:12.556Z | user 改回中文名称 v1.0.19 | 2026-09-23T01:09:12.665Z | user 改回中文名称，移除PROXY_TOKEN硬编码 v2.0.3 | 2026-09-22T09:49:00.422Z | user 移除PROXY_TOKEN硬编码，修复安全网关T09拦截问题 v2.0.2 | 2026-09-15T12:32:05.810Z | user 飞猪数据源替换：购买渠道飞猪

OpenClaw

View on ClawHub Homepage

Rank

Safety

Downloads

1.2k

Updated

Oct 11, 2026

Version

2.0.4

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: 2.0.4release · observed Sep 23, 2026
Handshake status: UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s175e1acy2vdpc6w041zc2tcgs887xev:travel-insurance-smart-buy

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-travel-skills-travel-insurance-smart-buy/snapshot"

Documentation

CLAWHUB

39,869 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: 旅行保险聪明买
display_name: "旅行保险聪明买"
description: 旅行保险智能推荐与理赔指南，提供场景化保险推荐、条款白话解读和理赔流程指引。当用户提到旅游保障、出行保障、航班延误权益、行李保障、旅行医疗、申根保障等需求时使用。暑期出行保险推荐，旅行险智能对比
tags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]
tools:
  - name: recommend_insurance
    description: 根据目的地、出行类型、出行天数和人数，推荐合适的出行保障方案，包含保障类型、保额建议和购买渠道链接
  - name: explain_coverage
    description: 白话解读出行保障条款中的关键概念，包括免赔额、等待期、除外责任等，帮助用户看懂保障合同
  - name: claim_guide
    description: 提供出行保障权益申领指引，包含常见场景的操作步骤、所需材料和注意事项
primaryEnv: PROXY_TOKEN

---

# 出行保障助手 — 选对保险、读懂条款、顺利理赔

> 智能推荐旅行保险方案，白话解读保障条款，手把手教你理赔，出境旅行必备。

🔥 **核心亮点：**
- **场景化推荐** — 根据目的地、出行类型、天数、人数智能匹配保险方案
- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚
- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项
- **申根签证适配** — 满足申根签证3万欧元医疗保额要求
- **零配置** — 纯知识库技能，无需申请任何API Key

## 快速入门

**3个开场白示例，复制即用：**

1. "去泰国玩5天，推荐什么旅行保险"
2. "保险里的免赔额是什么意思"
3. "航班延误了怎么理赔"

## 核心能力

1. **保险方案推荐** — 根据目的地、出行类型（休闲/商务/探亲/留学）、天数、人数，智能匹配保障方案
2. **条款白话解读** — 用通俗语言解释免赔额、等待期、除外责任等关键概念，配具体案例
3. **理赔指引** — 医疗/航班延误/行李丢失/行程取消等场景的理赔步骤和材料清单
4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案
5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐
6. **购买渠道对比** — 提供飞猪、支付宝、保险公司官网等多渠道链接

## 工作流程

### recommend_insurance（场景化推荐）
1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童
2. 判断是否为出境游 → 出境游推荐更全面的医疗保障；申根区必须满足3万欧元医疗保额
3. 按风险维度匹配险种组合：
   - 医疗保障（核心）：门诊+住院+紧急救援
   - 行程保障：航班延误/取消、行李延误/丢失
   - 个人责任：意外造成第三方损失
   - 特殊需求：高风险运动、既往症、极限活动
4. 给出保额建议和推荐组合，附购买渠道链接

### explain_coverage（条款白话解读）
1. 识别用户想了解的条款概念
2. 用通俗语言解释，配合具体案例
3. 重点解读常见坑点：免赔额怎么算、等待期多长、哪些情况不赔
4. 提醒投保前必看的3个关键点

### claim_guide（权益申领指南）
1. 识别用户的权益申领场景
2. 给出分步操作流程
3. 列出所需材料清单
4. 提醒时效要求和常见不予受理原因

## 输出格式

```
🛡️ 旅行保障方案推荐方案

📍 出行信息：{目的地} · {天数}天 · {人数}人
🎯 风险等级：{低/中/高}

【核心保障】（必买）
- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}
  保障范围：{简述}

【增强保障】（建议买）
- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}

【可选保障】（按需买）
- 险种：{名称} | 适合：{场景}

💰 方案预估：{最低~最高}元/人

🔗 购买渠道：
- 飞猪旅行险
- 支付宝蚂蚁保
- 保险公司官网

⚠️ 投保前必看：
1. {注意事项}
2. {注意事项}
```

## 能做什么

- 根据出行场景智能推荐保险方案
- 白话解读保险条款，帮你看懂保障合同
- 提供理赔全流程指引（医疗/延误/行李/取消）
- 推荐满足申根签证要求的保障方案
- 提供多平台购买渠道链接

## 不能做什么

- 不直接销售保险产品，仅提供信息推荐
- 不构成个性化保险建议，最终以保险公司官方为准
- 理赔结果由保险公司决定，本技能仅提供流程指引
- 不处理保险支付和退保流程

## 使用提示

- 提供完整的出行信息（目的地+天数+人数）可获得更精准的推荐
- 出境游建议优先关注医疗保障和紧急救援
- 申根签证必须满足3万欧元（约30万人民币）医疗保额
- 高风险运动（滑雪、潜水等）需单独确认是否覆盖

## 🔗 搭配使用

- **出境游旅行助手** — 签证/安全/退税/插头等出境指南
- **航班动态追踪** — 查航班延误状态，为理赔提供依据
- **全能旅行助手** — 行程规划+酒店机票一站式服务

## 数据流向

用户输入 → 本技能知识库匹配 → 返回推荐方案和购买链接 → 用户自行选择渠道购买。本技能不收集、不存储、不传输用户个人信息到任何第三方服务。

_meta.json

{
  "ownerId": "kn7e1mfbeh2h71wg876t0sb8gx884fjb",
  "slug": "travel-insurance-smart-buy",
  "version": "2.0.4",
  "publishedAt": 1790157492556
}

skill-card.md

## Description:

旅行保险智能推荐与理赔指南，提供场景化保险推荐、条款白话解读和理赔流程指引。

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

## Publisher:

[travel-skills](https://clawhub.ai/user/travel-skills)

### License/Terms of Use:

MIT-0

## Use Case:

Travelers and travel-support agents use this skill to compare travel insurance coverage, understand policy terms in plain language, and prepare claim steps for common travel scenarios. The output is informational and should be checked against insurer terms before purchase or claim submission.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: The skill declares PROXY_TOKEN while also claiming that it needs no API key and does not transmit user data.

Mitigation: Require the publisher to explain or remove PROXY_TOKEN before installation and confirm whether trip details can pass through any proxy or external service.

Risk: Travel insurance recommendations and claim guidance can be incomplete or different from the insurer's binding policy terms.

Mitigation: Treat output as informational and verify coverage, exclusions, claim deadlines, and required documents with the insurer or official policy before acting.

Risk: The included Python tool file may not run because of syntax errors.

Mitigation: Fix and test the tool file before deployment, or use the skill only as static guidance until the executable artifact is corrected.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)
- [Publisher profile](https://clawhub.ai/user/travel-skills)

## Skill Output:

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

**Output Format:** [Markdown-style text recommendations and checklists]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Outputs may include insurance coverage suggestions, plain-language term explanations, claim document checklists, and purchase-channel links.]

## Skill Version(s):

2.0.4 (source: 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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