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Pro","description":"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。","source":"CLAWHUB","sourceId":"clawhub:s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-bidding-pro","homepage":"https://clawhub.ai/gechengling/skills/insurance-bidding-pro","repository":"https://clawhub.ai/gechengling/insurance-bidding-pro","documentation":"https://www.xpersona.co/agent/clawhub-gechengling-insurance-bidding-pro","protocols":["OPENCLEW"],"examples":[{"kind":"example","language":"text","snippet":"File v5.0.2:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"insurance-bidding-pro\",\n  \"version\": \"5.0.2\",\n  \"publishedAt\": 1780353322798\n}\n\nFile v5.0.2:references/cbirc_compliance_checklist.md\n\n# CBIRC 合规检查清单\r\n\r\n## 保险许可证合规\r\n- [ ] 保险许可证在有效期内\r\n- [ ] 业务范围包含投标险种\r\n- [ ] 许可证复印件加盖公章\r\n- [ ] 分支机构经营许可（如需）\r\n\r\n## 偿付能力合规（偿二代 C-ROSS）\r\n- [ ] 核心偿付能力充足率 ≥ 50%\r\n- [ ] 综合偿付能力充足率 ≥ 100%\r\n- [ ] 风险综合评级 ≥ B类\r\n- [ ] 最近季度偿付能力报告已披露\r\n- [ ] 偿付能力压力测试达标\r\n\r\n## 再保险合规\r\n- [ ] 危险单位划分符合监管规定（GB/T XXXXX）\r\n- [ ] 财产险自留额 ≤ 实收资本的10%\r\n- [ ] 每危险单位自留额 ≤ 实收资本的5%\r\n- [ ] 预约/合约分保合同已签订\r\n- [ ] 再保险接受人资质合规\r\n\r\n## 条款费率合规\r\n- [ ] 保险条款已向监管报备\r\n- [ ] 保险费率已向监管报备\r\n- [ ] 条款中无禁止性规定（格式条款）\r\n- [ ] 免责条款已尽提示说明义务\r\n- [ ] 不得存在\"免除保险人依法应承担的义务\"条款\r\n\r\n## 投标行为合规\r\n- [ ] 不得串通投标、抬高或压低标价\r\n- [ ] 不得向招标人或者评标委员会成员行贿\r\n- [ ] 投标保证金已按要求缴纳\r\n- [ ] 投标文件无虚假信息（如虚假偿付能力数据）\r\n- [ ] 授权委托书有效（加盖公章、法人签字）\r\n\r\n## 团险特别规定\r\n- [ ] 团体保险合同载明被保险人组成范围\r\n- [ ] 不得向未参加团险的个人出具保险单\r\n- [ ] 团险业务统计报表按监管要求报送\r\n- [ ] 团险费率符合监管定价原则\r\n\r\n## 引用法规\r\n1. 《中华人民共和国保险法》（2015年修订）\r\n2. 《保险公司偿付能力监管规则第1-20号》（C-ROSS）\r\n3. 《再保险业务管理规定》（保监会令〔2015〕3号）\r\n4. 《保险条款和保险费率管理办法》（保监会令〔2010〕3号）\r\n5. 《保险经纪人监管规定》（保监会令〔2018〕3号）\r\n6. 《保险专业代理机构监管规定》（保监会令〔2018〕5号）\n\nFile v5.0.2:references/clause_comparison_guide.md\n\n# 保险条款比对指南\r\n\r\n## 比对维度\r\n\r\n### 1. 保障范围比对\r\n| 维度 | 说明 | 关注点 |\r\n|------|------|--------|\r\n| 保险责任 | 保什么 | 疾病种类、意外场景、医疗范围 |\r\n| 责任免除 | 不保什么 | 违法行为、既往症、高风险运动 |\r\n| 等待期 | 生效后多久可理赔 | 30天/90天/180天 |\r\n| 赔付比例 | 报销比例 | 100%/80%/60%，有无社保区分 |\r\n\r\n### 2. 保额与免赔额\r\n| 项目 | 本公司方案 | 竞争对手A | 竞争对手B | 优势分析 |\r\n|------|-----------|------------|------------|---------|\r\n| 意外身故 | ¥_____ | ¥_____ | ¥_____ |  |\r\n| 重疾保障 | ¥_____ | ¥_____ | ¥_____ |  |\r\n| 医疗报销 | ¥_____ | ¥_____ | ¥_____ |  |\r\n| 免赔额 | ¥_____ | ¥_____ | ¥_____ |  |\r\n\r\n### 3. 增值服务对比\r\n- [ ] 绿通服务：本公司___家 vs 竞品___家\r\n- [ ] 住院垫付：本公司✅ vs 竞品❌\r\n- [ ] 电话医生：本公司✅ vs 竞品□\r\n- [ ] 健康体检：本公司___次/年 vs 竞品___次/年\r\n\r\n## 格式合同条款风险提示\r\n\r\n以下条款需特别注意，可能存在废标风险：\r\n\r\n### 高风险条款\r\n- \"本公司有权随时修改本条款\" → ❌ 单方变更权\r\n- \"最终解释权归本公司所有\" → ❌ 格式条款无效\r\n- \"一切以本公司核保为准\" → ⚠️ 过于宽泛\r\n\r\n### 建议替换条款\r\n- \"双方协商一致可修改\" → ✅\r\n- \"按监管规定及合同"},{"kind":"example","language":"text","snippet":"阶段一：需求解析\n  → 识别招标类型（企业团险/政府统保/经纪招标）\n  → 提取保险责任范围、保额、免赔额等关键参数\n  → 识别投标人资质要求（注册资本、分支机构、偿付能力）\n\n阶段二：文书生成\n  → 调用 templates 生成保险行业特有内容\n  → 根据招标要求填入偿付能力、再保险等特有内容\n  → 生成技术标、商务标、资格证明文件三个分册\n\n阶段三：废标风险检查\n  → CBIRC 合规检查\n  → 核对报价响应度\n  → 检查签字盖章完整性\n\n阶段四：优化建议\n  → 基于历史中标数据给出报价优化建议\n  → 识别竞争差异化亮点\n  → 给出增值服务组合建议"}]}}