{"id":"4247b106-5211-4867-b4cb-ff85aad2edff","entityType":"agent","slug":"clawhub-travel-skills-travel-insurance-smart-buy","name":"旅行保险聪明买","canonicalUrl":"https://www.xpersona.co/agent/clawhub-travel-skills-travel-insurance-smart-buy","canonicalPath":"/agent/clawhub-travel-skills-travel-insurance-smart-buy","generatedAt":"2026-10-11T05:45:33.739Z","source":"CLAWHUB","claimStatus":"UNCLAIMED","verificationTier":"NONE","summary":{"evidence":{"source":"editorial-content","verified":true,"confidence":"high","updatedAt":"2026-10-11T02:56:12.999Z","emptyReason":null},"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 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","descriptionLabel":"Technical summary","evidenceSummary":"Capability contract not published. No trust telemetry is available yet. 1.2K downloads reported by the source. 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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\n\nTags: latest:2.0.4\n\nVersion history:\n\nv2.0.4 | 2026-09-23T09:58:12.556Z | user\n\n改回中文名称\n\nv1.0.19 | 2026-09-23T01:09:12.665Z | user\n\n改回中文名称，移除PROXY_TOKEN硬编码\n\nv2.0.3 | 2026-09-22T09:49:00.422Z | user\n\n移除PROXY_TOKEN硬编码，修复安全网关T09拦截问题\n\nv2.0.2 | 2026-09-15T12:32:05.810Z | user\n\n飞猪数据源替换：购买渠道飞猪→慧择网，删除飞猪相关文案\n\nv2.0.1 | 2026-07-11T02:31:05.603Z | user\n\n完善使用场景说明，降低使用门槛\n\nv2.0.0 | 2026-07-01T04:02:16.610Z | user\n\n优化SKILL.md: 添加slogan、核心亮点、快速入门、能做什么/不能做什么、使用提示、搭配使用；tags改全中文\n\nv1.0.1 | 2026-06-13T02:20:43.854Z | auto\n\n- Removed the sample file skill-card.md.\n- No changes made to core features or user experience.\n- All insurance recommendation and claim guide functionalities remain unchanged.\n\nv1.0.0 | 2026-06-12T16:20:42.006Z | auto\n\n旅行保险聪明买 1.0.0 发布\n\n- 新增旅行保险智能推荐与理赔指南技能，覆盖场景化保险推荐、保险条款白话解读及理赔流程指引\n- 支持根据目的地、出行类型、天数和人数智能推荐旅行保险组合及保额建议\n- 提供保险关键术语的通俗解读，助用户理解保险合同\n- 指导用户完成常见旅行保险理赔流程，包含所需材料和注意事项\n- 输出标准化推荐方案及透明购买渠道，便于比价和选择\n\nArchive index:\n\nArchive v2.0.4: 4 files, 15829 bytes\n\nFiles: _meta.json (145b), skill-card.md (2333b), SKILL.md (5468b), travel_insurance_smart_buy.py (40046b)\n\nFile v2.0.4:SKILL.md\n\n---\nname: 旅行保险聪明买\ndisplay_name: \"旅行保险聪明买\"\ndescription: 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\ntags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]\ntools:\n - name: recommend_insurance\n 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\n - name: explain_coverage\n 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\n - name: claim_guide\n 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\nprimaryEnv: PROXY_TOKEN\n\n---\n\n# 出行保障助手 — 选对保险、读懂条款、顺利理赔\n\n> 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。\n\n🔥 **核心亮点：**\n- **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\n- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚\n- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项\n- **申根签证适配** — 满足申根签证3万欧元医疗保额要求\n- **零配置** — 纯知识库技能，无需申请任何API Key\n\n## 快速入门\n\n**3个开场白示例，复制即用：**\n\n1. \"去泰国玩5天，推荐什么旅行保险\"\n2. \"保险里的免赔额是什么意思\"\n3. \"航班延误了怎么理赔\"\n\n## 核心能力\n\n1. **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\n2. **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\n3. **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\n4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案\n5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐\n6. **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\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒投保前必看的3个关键点\n\n### claim_guide（权益申领指南）\n1. 识别用户的权益申领场景\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见不予受理原因\n\n## 输出格式\n\n```\n🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 能做什么\n\n- 根据出行场景智能推荐保险方案\n- 白话解读保险条款，帮你看懂保障合同\n- 提供理赔全流程指引（医疗/延误/行李/取消）\n- 推荐满足申根签证要求的保障方案\n- 提供多平台购买渠道链接\n\n## 不能做什么\n\n- 不直接销售保险产品，仅提供信息推荐\n- 不构成个性化保险建议，最终以保险公司官方为准\n- 理赔结果由保险公司决定，本技能仅提供流程指引\n- 不处理保险支付和退保流程\n\n## 使用提示\n\n- 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\n- 出境游建议优先关注医疗保障和紧急救援\n- 申根签证必须满足3万欧元（约30万人民币）医疗保额\n- 高风险运动（滑雪、潜水等）需单独确认是否覆盖\n\n## 🔗 搭配使用\n\n- **出境游旅行助手** — 签证/安全/退税/插头等出境指南\n- **航班动态追踪** — 查航班延误状态，为理赔提供依据\n- **全能旅行助手** — 行程规划+酒店机票一站式服务\n\n## 数据流向\n\n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。\n\nFile v2.0.4:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"2.0.4\",\n \"publishedAt\": 1790157492556\n}\n\nFile v2.0.4:skill-card.md\n\n## Description:\n\n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。\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[travel-skills](https://clawhub.ai/user/travel-skills)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nTravelers 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.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The skill declares PROXY_TOKEN while also claiming that it needs no API key and does not transmit user data.\n\nMitigation: Require the publisher to explain or remove PROXY_TOKEN before installation and confirm whether trip details can pass through any proxy or external service.\n\nRisk: Travel insurance recommendations and claim guidance can be incomplete or different from the insurer's binding policy terms.\n\nMitigation: Treat output as informational and verify coverage, exclusions, claim deadlines, and required documents with the insurer or official policy before acting.\n\nRisk: The included Python tool file may not run because of syntax errors.\n\nMitigation: Fix and test the tool file before deployment, or use the skill only as static guidance until the executable artifact is corrected.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)\n- [Publisher profile](https://clawhub.ai/user/travel-skills)\n\n## Skill Output:\n\n**Output Type(s):** [Guidance, Markdown, Text]\n\n**Output Format:** [Markdown-style text recommendations and checklists]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Outputs may include insurance coverage suggestions, plain-language term explanations, claim document checklists, and purchase-channel links.]\n\n## Skill Version(s):\n\n2.0.4 (source: server release evidence)\n\n## Ethical Considerations:\n\nUsers 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.\n\nArchive v1.0.19: 4 files, 15763 bytes\n\nFiles: _meta.json (146b), skill-card.md (2372b), SKILL.md (5468b), travel_insurance_smart_buy.py (40046b)\n\nFile v1.0.19:SKILL.md\n\n---\nname: 旅行保险聪明买\ndisplay_name: \"旅行保险聪明买\"\ndescription: 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\ntags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]\ntools:\n - name: recommend_insurance\n 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\n - name: explain_coverage\n 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\n - name: claim_guide\n 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\nprimaryEnv: PROXY_TOKEN\n\n---\n\n# 出行保障助手 — 选对保险、读懂条款、顺利理赔\n\n> 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。\n\n🔥 **核心亮点：**\n- **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\n- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚\n- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项\n- **申根签证适配** — 满足申根签证3万欧元医疗保额要求\n- **零配置** — 纯知识库技能，无需申请任何API Key\n\n## 快速入门\n\n**3个开场白示例，复制即用：**\n\n1. \"去泰国玩5天，推荐什么旅行保险\"\n2. \"保险里的免赔额是什么意思\"\n3. \"航班延误了怎么理赔\"\n\n## 核心能力\n\n1. **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\n2. **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\n3. **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\n4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案\n5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐\n6. **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\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒投保前必看的3个关键点\n\n### claim_guide（权益申领指南）\n1. 识别用户的权益申领场景\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见不予受理原因\n\n## 输出格式\n\n```\n🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 能做什么\n\n- 根据出行场景智能推荐保险方案\n- 白话解读保险条款，帮你看懂保障合同\n- 提供理赔全流程指引（医疗/延误/行李/取消）\n- 推荐满足申根签证要求的保障方案\n- 提供多平台购买渠道链接\n\n## 不能做什么\n\n- 不直接销售保险产品，仅提供信息推荐\n- 不构成个性化保险建议，最终以保险公司官方为准\n- 理赔结果由保险公司决定，本技能仅提供流程指引\n- 不处理保险支付和退保流程\n\n## 使用提示\n\n- 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\n- 出境游建议优先关注医疗保障和紧急救援\n- 申根签证必须满足3万欧元（约30万人民币）医疗保额\n- 高风险运动（滑雪、潜水等）需单独确认是否覆盖\n\n## 🔗 搭配使用\n\n- **出境游旅行助手** — 签证/安全/退税/插头等出境指南\n- **航班动态追踪** — 查航班延误状态，为理赔提供依据\n- **全能旅行助手** — 行程规划+酒店机票一站式服务\n\n## 数据流向\n\n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。\n\nFile v1.0.19:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"1.0.19\",\n \"publishedAt\": 1790125752665\n}\n\nFile v1.0.19:skill-card.md\n\n## Description:\n\nA Chinese-language travel insurance guidance skill that recommends coverage by trip scenario, explains policy terms in plain language, and guides users through common claim workflows.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[travel-skills](https://clawhub.ai/user/travel-skills)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nExternal users use this skill to compare travel insurance needs for domestic and international trips, understand key coverage terms, and prepare claim materials for scenarios such as medical care, flight delay, baggage loss, and trip cancellation.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Insurance recommendations may be incomplete, outdated, or unsuitable for a user's specific policy, visa, health, or destination requirements.\n\nMitigation: Treat outputs as general information and verify coverage, exclusions, visa requirements, and claim rules with the insurer or official sources before purchase or travel.\n\nRisk: The artifact declares PROXY_TOKEN even though the evidence describes the skill as static guidance, which may be unclear to installers.\n\nMitigation: Clarify why PROXY_TOKEN is declared before deployment and avoid providing unnecessary credentials.\n\nRisk: The bundled Python file failed syntax compilation during inspection, so callable behavior may be broken.\n\nMitigation: Run a syntax check and functional smoke test before relying on the tool functions.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)\n- [Publisher profile](https://clawhub.ai/user/travel-skills)\n\n## Skill Output:\n\n**Output Type(s):** [Guidance, Markdown, Text]\n\n**Output Format:** [Markdown-style Chinese-language recommendations and step-by-step guidance]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [May include insurance coverage categories, indicative coverage amounts, claim material checklists, caution notes, and purchase-channel links.]\n\n## Skill Version(s):\n\n1.0.19 (source: server release evidence)\n\n## Ethical Considerations:\n\nUsers 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.\n\nArchive v2.0.3: 4 files, 15806 bytes\n\nFiles: _meta.json (145b), skill-card.md (2591b), SKILL.md (5468b), travel_insurance_smart_buy.py (40046b)\n\nFile v2.0.3:SKILL.md\n\n---\nname: travel-insurance-smart-buy\ndisplay_name: 出行保障助手\ndescription: 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\ntags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]\ntools:\n - name: recommend_insurance\n 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\n - name: explain_coverage\n 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\n - name: claim_guide\n 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\nprimaryEnv: PROXY_TOKEN\n\n---\n\n# 出行保障助手 — 选对保险、读懂条款、顺利理赔\n\n> 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。\n\n🔥 **核心亮点：**\n- **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\n- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚\n- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项\n- **申根签证适配** — 满足申根签证3万欧元医疗保额要求\n- **零配置** — 纯知识库技能，无需申请任何API Key\n\n## 快速入门\n\n**3个开场白示例，复制即用：**\n\n1. \"去泰国玩5天，推荐什么旅行保险\"\n2. \"保险里的免赔额是什么意思\"\n3. \"航班延误了怎么理赔\"\n\n## 核心能力\n\n1. **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\n2. **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\n3. **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\n4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案\n5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐\n6. **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\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒投保前必看的3个关键点\n\n### claim_guide（权益申领指南）\n1. 识别用户的权益申领场景\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见不予受理原因\n\n## 输出格式\n\n```\n🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 能做什么\n\n- 根据出行场景智能推荐保险方案\n- 白话解读保险条款，帮你看懂保障合同\n- 提供理赔全流程指引（医疗/延误/行李/取消）\n- 推荐满足申根签证要求的保障方案\n- 提供多平台购买渠道链接\n\n## 不能做什么\n\n- 不直接销售保险产品，仅提供信息推荐\n- 不构成个性化保险建议，最终以保险公司官方为准\n- 理赔结果由保险公司决定，本技能仅提供流程指引\n- 不处理保险支付和退保流程\n\n## 使用提示\n\n- 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\n- 出境游建议优先关注医疗保障和紧急救援\n- 申根签证必须满足3万欧元（约30万人民币）医疗保额\n- 高风险运动（滑雪、潜水等）需单独确认是否覆盖\n\n## 🔗 搭配使用\n\n- **出境游旅行助手** — 签证/安全/退税/插头等出境指南\n- **航班动态追踪** — 查航班延误状态，为理赔提供依据\n- **全能旅行助手** — 行程规划+酒店机票一站式服务\n\n## 数据流向\n\n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。\n\nFile v2.0.3:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"2.0.3\",\n \"publishedAt\": 1790070540422\n}\n\nFile v2.0.3:skill-card.md\n\n## Description:\n\nProvides Chinese-language informational travel-insurance guidance, including scenario-based coverage recommendations, plain-language coverage explanations, and claim-process checklists.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[travel-skills](https://clawhub.ai/user/travel-skills)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nExternal users can ask for travel-insurance buying guidance, coverage-term explanations, Schengen and destination-specific coverage considerations, and claim preparation steps. The skill is informational only and directs users to verify final decisions with official insurance providers.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may mistake insurance recommendations or claim steps for individualized insurance advice or guaranteed claim outcomes.\n\nMitigation: Present the skill as informational guidance and direct users to verify coverage terms, eligibility, purchase choices, and claim decisions with official insurers or providers.\n\nRisk: The artifact declares PROXY_TOKEN even though the skill describes itself as zero-configuration.\n\nMitigation: Ask the publisher to remove or document the environment variable before deployment, and avoid supplying credentials that are not needed for the intended guidance workflow.\n\nRisk: The security guidance identifies Python syntax errors and quality issues that may make tool behavior unreliable.\n\nMitigation: Fix the source errors and re-scan before relying on executable tool behavior; treat the release as informational guidance until corrected.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)\n- [Publisher profile](https://clawhub.ai/user/travel-skills)\n\n## Skill Output:\n\n**Output Type(s):** [text, markdown, guidance]\n\n**Output Format:** [Markdown-style Chinese-language guidance with structured recommendations, checklists, links, and claim steps]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Informational guidance only; the artifact states it does not sell insurance, process payments, store user data, or transmit personal information to third parties.]\n\n## Skill Version(s):\n\n2.0.3 (source: server release metadata; artifact _meta.json reports 2.0.1)\n\n## Ethical Considerations:\n\nUsers 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.\n\nArchive v2.0.2: 4 files, 15753 bytes\n\nFiles: _meta.json (145b), skill-card.md (2079b), SKILL.md (5453b), travel_insurance_smart_buy.py (40027b)\n\nFile v2.0.2:SKILL.md\n\n---\nname: travel-insurance-smart-buy\ndisplay_name: 出行保障助手\ndescription: 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\ntags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]\ntools:\n - name: recommend_insurance\n 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\n - name: explain_coverage\n 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\n - name: claim_guide\n 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\nprimaryEnv: PROXY_TOKEN\n\n---\n\n# 出行保障助手 — 选对保险、读懂条款、顺利理赔\n\n> 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。\n\n🔥 **核心亮点：**\n- **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\n- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚\n- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项\n- **申根签证适配** — 满足申根签证3万欧元医疗保额要求\n- **零配置** — 纯知识库技能，无需申请任何API Key\n\n## 快速入门\n\n**3个开场白示例，复制即用：**\n\n1. \"去泰国玩5天，推荐什么旅行保险\"\n2. \"保险里的免赔额是什么意思\"\n3. \"航班延误了怎么理赔\"\n\n## 核心能力\n\n1. **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\n2. **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\n3. **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\n4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案\n5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐\n6. **购买渠道对比** — 提供支付宝、保险公司官网、慧择网等多渠道链接\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒投保前必看的3个关键点\n\n### claim_guide（权益申领指南）\n1. 识别用户的权益申领场景\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见不予受理原因\n\n## 输出格式\n\n```\n🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 能做什么\n\n- 根据出行场景智能推荐保险方案\n- 白话解读保险条款，帮你看懂保障合同\n- 提供理赔全流程指引（医疗/延误/行李/取消）\n- 推荐满足申根签证要求的保障方案\n- 提供多平台购买渠道链接\n\n## 不能做什么\n\n- 不直接销售保险产品，仅提供信息推荐\n- 不构成个性化保险建议，最终以保险公司官方为准\n- 理赔结果由保险公司决定，本技能仅提供流程指引\n- 不处理保险支付和退保流程\n\n## 使用提示\n\n- 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\n- 出境游建议优先关注医疗保障和紧急救援\n- 申根签证必须满足3万欧元（约30万人民币）医疗保额\n- 高风险运动（滑雪、潜水等）需单独确认是否覆盖\n\n## 🔗 搭配使用\n\n- **出境游旅行助手** — 签证/安全/退税/插头等出境指南\n- **航班动态追踪** — 查航班延误状态，为理赔提供依据\n- **全能旅行助手** — 行程规划+酒店机票一站式服务\n\n## 数据流向\n\n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。\n\nFile v2.0.2:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"2.0.2\",\n \"publishedAt\": 1789475525810\n}\n\nFile v2.0.2:skill-card.md\n\n## Description:\n\n出行保障助手为旅行者提供旅行保险方案推荐、保障条款白话解读和理赔流程指引。\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[travel-skills](https://clawhub.ai/user/travel-skills)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nExternal travelers and travel-planning agents use this skill to compare travel-insurance coverage, understand policy terms, and prepare claim steps for common trip scenarios.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The release is flagged suspicious because it requests PROXY_TOKEN while describing itself as a local, no-API-key skill that does not transmit personal information.\n\nMitigation: Review before installing and require the publisher to remove the credential declaration or clearly document why it is needed and what data it can access.\n\nRisk: Insurance recommendations and claim guidance may be incomplete or differ from official policy terms.\n\nMitigation: Treat output as informational guidance and verify coverage, exclusions, claim deadlines, and purchase terms with the insurer or platform before acting.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)\n- [Publisher profile: travel-skills](https://clawhub.ai/user/travel-skills)\n\n## Skill Output:\n\n**Output Type(s):** [text, markdown, guidance]\n\n**Output Format:** [Markdown-style Chinese text with scenario sections, recommendations, links, checklists, and step-by-step guidance.]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Returns local knowledge-base guidance; does not directly sell insurance, process payments, or determine claim outcomes.]\n\n## Skill Version(s):\n\n2.0.2 (source: evidence.release.version)\n\n## Ethical Considerations:\n\nUsers 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.\n\nArchive v2.0.1: 4 files, 15788 bytes\n\nFiles: _meta.json (145b), skill-card.md (2232b), SKILL.md (5468b), travel_insurance_smart_buy.py (40046b)\n\nFile v2.0.1:SKILL.md\n\n---\nname: travel-insurance-smart-buy\ndisplay_name: 出行保障助手\ndescription: 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\ntags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]\ntools:\n - name: recommend_insurance\n 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\n - name: explain_coverage\n 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\n - name: claim_guide\n 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\nprimaryEnv: PROXY_TOKEN\n\n---\n\n# 出行保障助手 — 选对保险、读懂条款、顺利理赔\n\n> 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。\n\n🔥 **核心亮点：**\n- **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\n- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚\n- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项\n- **申根签证适配** — 满足申根签证3万欧元医疗保额要求\n- **零配置** — 纯知识库技能，无需申请任何API Key\n\n## 快速入门\n\n**3个开场白示例，复制即用：**\n\n1. \"去泰国玩5天，推荐什么旅行保险\"\n2. \"保险里的免赔额是什么意思\"\n3. \"航班延误了怎么理赔\"\n\n## 核心能力\n\n1. **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\n2. **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\n3. **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\n4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案\n5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐\n6. **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\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒投保前必看的3个关键点\n\n### claim_guide（权益申领指南）\n1. 识别用户的权益申领场景\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见不予受理原因\n\n## 输出格式\n\n```\n🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 能做什么\n\n- 根据出行场景智能推荐保险方案\n- 白话解读保险条款，帮你看懂保障合同\n- 提供理赔全流程指引（医疗/延误/行李/取消）\n- 推荐满足申根签证要求的保障方案\n- 提供多平台购买渠道链接\n\n## 不能做什么\n\n- 不直接销售保险产品，仅提供信息推荐\n- 不构成个性化保险建议，最终以保险公司官方为准\n- 理赔结果由保险公司决定，本技能仅提供流程指引\n- 不处理保险支付和退保流程\n\n## 使用提示\n\n- 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\n- 出境游建议优先关注医疗保障和紧急救援\n- 申根签证必须满足3万欧元（约30万人民币）医疗保额\n- 高风险运动（滑雪、潜水等）需单独确认是否覆盖\n\n## 🔗 搭配使用\n\n- **出境游旅行助手** — 签证/安全/退税/插头等出境指南\n- **航班动态追踪** — 查航班延误状态，为理赔提供依据\n- **全能旅行助手** — 行程规划+酒店机票一站式服务\n\n## 数据流向\n\n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。\n\nFile v2.0.1:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"2.0.1\",\n \"publishedAt\": 1783737065603\n}\n\nFile v2.0.1:skill-card.md\n\n## Description:
\n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。
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[travel-skills](https://clawhub.ai/user/travel-skills)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nTravelers and travel-planning agents use this skill to compare travel insurance coverage, understand policy terms in plain language, and prepare claim steps for medical, flight-delay, baggage, cancellation, and Schengen-travel scenarios.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: The release evidence flags a mismatch between the skill's no-API-key claim and its declared PROXY_TOKEN environment access.
\nMitigation: Review the declared environment access before installing and ask the publisher to remove or clearly document PROXY_TOKEN if it is not required.
\nRisk: Insurance recommendations and claim guidance may be incomplete, outdated, or unsuitable for a user's exact policy, destination, health status, or insurer.
\nMitigation: Treat outputs as informational guidance, verify details against official insurer policy documents and current travel requirements, and consult a qualified insurance professional for binding advice.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Markdown guidance with insurance recommendations, plain-language explanations, checklists, and external purchase-channel links]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [Outputs are informational and do not sell insurance, process payments, or determine claim outcomes.]
\n\n## Skill Version(s):
\n2.0.1 (source: server release evidence)
\n\n## Ethical Considerations:
\nUsers 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.
\n\nArchive v2.0.0: 4 files, 15826 bytes\n\nFiles: skill-card.md (2390b), SKILL.md (5420b), travel_insurance_smart_buy.py (40046b), _meta.json (145b)\n\nFile v2.0.0:SKILL.md\n\n---\nname: travel-insurance-smart-buy\ndisplay_name: 出行保障助手\ndescription: 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。\ntags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]\ntools:\n - name: recommend_insurance\n 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\n - name: explain_coverage\n 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\n - name: claim_guide\n 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\nprimaryEnv: PROXY_TOKEN\n\n---\n\n# 出行保障助手 — 选对保险、读懂条款、顺利理赔\n\n> 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。\n\n🔥 **核心亮点：**\n- **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\n- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚\n- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项\n- **申根签证适配** — 满足申根签证3万欧元医疗保额要求\n- **零配置** — 纯知识库技能，无需申请任何API Key\n\n## 快速入门\n\n**3个开场白示例，复制即用：**\n\n1. \"去泰国玩5天，推荐什么旅行保险\"\n2. \"保险里的免赔额是什么意思\"\n3. \"航班延误了怎么理赔\"\n\n## 核心能力\n\n1. **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\n2. **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\n3. **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\n4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案\n5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐\n6. **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\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒投保前必看的3个关键点\n\n### claim_guide（权益申领指南）\n1. 识别用户的权益申领场景\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见不予受理原因\n\n## 输出格式\n\n```\n🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 能做什么\n\n- 根据出行场景智能推荐保险方案\n- 白话解读保险条款，帮你看懂保障合同\n- 提供理赔全流程指引（医疗/延误/行李/取消）\n- 推荐满足申根签证要求的保障方案\n- 提供多平台购买渠道链接\n\n## 不能做什么\n\n- 不直接销售保险产品，仅提供信息推荐\n- 不构成个性化保险建议，最终以保险公司官方为准\n- 理赔结果由保险公司决定，本技能仅提供流程指引\n- 不处理保险支付和退保流程\n\n## 使用提示\n\n- 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\n- 出境游建议优先关注医疗保障和紧急救援\n- 申根签证必须满足3万欧元（约30万人民币）医疗保额\n- 高风险运动（滑雪、潜水等）需单独确认是否覆盖\n\n## 🔗 搭配使用\n\n- **出境游旅行助手** — 签证/安全/退税/插头等出境指南\n- **航班动态追踪** — 查航班延误状态，为理赔提供依据\n- **全能旅行助手** — 行程规划+酒店机票一站式服务\n\n## 数据流向\n\n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。\n\nFile v2.0.0:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"2.0.0\",\n \"publishedAt\": 1782878536610\n}\n\nFile v2.0.0:skill-card.md\n\n## Description:
\n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。
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[travel-skills](https://clawhub.ai/user/travel-skills)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nTravelers use this skill to compare travel insurance coverage, understand policy terms in plain language, and prepare claim materials for scenarios such as medical care, flight delays, baggage loss, trip cancellation, Schengen travel, and high-risk activities.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: The skill declares PROXY_TOKEN even though the evidence says the assistant does not need an API key.
\nMitigation: Do not grant a real proxy or API secret unless the publisher explains the requirement; prefer removing the unused environment declaration.
\nRisk: The Python helper may be broken because the security guidance reports syntax errors.
\nMitigation: Validate the helper before relying on tool execution and treat failures as a functionality issue rather than a security approval.
\nRisk: Travel insurance recommendations and claim guidance are informational and may not match a specific policy or insurer decision.
\nMitigation: Confirm coverage, exclusions, claim deadlines, and purchase terms with the insurer before buying or filing a claim.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)
\n- [Publisher profile: travel-skills](https://clawhub.ai/user/travel-skills)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Markdown-style Chinese recommendations, explanations, checklists, and claim guidance]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [Informational output; users choose purchase channels and verify final terms with insurers.]
\n\n## Skill Version(s):
\n2.0.0 (source: server release evidence)
\n\n## Ethical Considerations:
\nUsers 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.
\n\nArchive v1.0.1: 4 files, 15203 bytes\n\nFiles: skill-card.md (2316b), SKILL.md (3952b), travel_insurance_smart_buy.py (40046b), _meta.json (145b)\n\nFile v1.0.1:SKILL.md\n\n---\nname: travel-insurance-smart-buy\ndescription: 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。当用户提到旅游保险、旅行险、出境保险、航班延误险、行李丢失险、旅行医疗保险、申根保险、理赔、拒赔、保险条款解读等与旅行保险相关的需求时使用此技能。\ndisplay_name: 旅行保险聪明买\ntools:\n - name: recommend_insurance\n description: 根据目的地、出行类型、出行天数和人数，推荐合适的旅行保险方案，包含险种、保额建议和购买渠道链接\n - name: explain_coverage\n description: 白话解读旅行保险条款中的关键概念，包括免赔额、等待期、除外责任、既往症等，帮助用户看懂保险合同\n - name: claim_guide\n description: 提供旅行保险理赔流程指引，包含常见理赔场景的操作步骤、所需材料和注意事项\n---\n\n# 旅行保险聪明买\n\n智能旅行保险推荐与理赔指南，帮助用户选对保险、读懂条款、顺利理赔。\n\n## 核心原则\n\n- **用户利益优先**：推荐保险以覆盖真实风险为标准，不以保费高低排序\n- **信息准确**：保险条款和理赔要求以保险公司官方为准，本技能提供的是通俗解读而非法律意见\n- **购买渠道透明**：提供多个购买渠道链接（飞猪、支付宝、保险公司官网），用户自行比价选择\n- **零配置**：纯知识库技能，无需任何API Key或配置\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n\n1. 收集用户出行信息：目的地、出行类型（休闲/商务/探亲/留学）、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒用户投保前必看的3个关键点\n\n### claim_guide（理赔指南）\n\n1. 识别用户的理赔场景（医疗、航班延误、行李丢失、行程取消等）\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见拒赔原因\n\n## 输出格式\n\n推荐保险时，按以下格式输出：\n\n```\n🛡️ 旅行保险推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险：搜索\"飞猪旅游保险\"\n- 支付宝蚂蚁保：搜索\"旅行险\"\n- {保险公司}官网：{链接}\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 数据流向\n\n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。\n\n## 边界说明\n\n- 本技能提供保险知识推荐，不销售保险，不是保险经纪\n- 推荐基于通用风险评估，不构成个性化保险建议\n- 保险条款以保险公司官方为准，本技能解读仅供辅助理解\n- 理赔结果由保险公司决定，本技能提供流程指引\n\nFile v1.0.1:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"1.0.1\",\n \"publishedAt\": 1781317243854\n}\n\nFile v1.0.1:skill-card.md\n\n## Description:
\n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。
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[travel-skills](https://clawhub.ai/user/travel-skills)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nChinese-speaking travelers and travel support agents use this skill to compare travel insurance coverage, understand policy terms in plain language, and prepare claim steps and documentation.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: Users may treat general travel insurance guidance as individualized advice or final policy interpretation.
\nMitigation: Present recommendations as general information and direct users to verify policy terms, exclusions, claim requirements, and outcomes with the insurer.
\nRisk: Chinese-language insurance guidance may be inappropriate for users who need another locale or jurisdiction-specific wording.
\nMitigation: Deploy it only where Chinese-language travel insurance guidance is suitable for the intended users.
\nRisk: The bundled Python file may need quoting fixes before direct execution.
\nMitigation: Review and validate the Python file in a test environment before relying on executable behavior.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/travel-skills/travel-insurance-smart-buy)
\n- [ClawHub publisher profile: travel-skills](https://clawhub.ai/user/travel-skills)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Chinese-language Markdown-style text with lists, links, and step-by-step guidance]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [No external API calls, credential use, data collection, persistence, or unsafe system behavior are evidenced by the security summary.]
\n\n## Skill Version(s):
\n1.0.1 (source: server release evidence)
\n\n## Ethical Considerations:
\nUsers 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.
\n\nArchive v1.0.0: 4 files, 15177 bytes\n\nFiles: skill-card.md (2351b), SKILL.md (3952b), travel_insurance_smart_buy.py (40046b), _meta.json (145b)\n\nFile v1.0.0:SKILL.md\n\n---\nname: travel-insurance-smart-buy\ndescription: 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。当用户提到旅游保险、旅行险、出境保险、航班延误险、行李丢失险、旅行医疗保险、申根保险、理赔、拒赔、保险条款解读等与旅行保险相关的需求时使用此技能。\ndisplay_name: 旅行保险聪明买\ntools:\n - name: recommend_insurance\n description: 根据目的地、出行类型、出行天数和人数，推荐合适的旅行保险方案，包含险种、保额建议和购买渠道链接\n - name: explain_coverage\n description: 白话解读旅行保险条款中的关键概念，包括免赔额、等待期、除外责任、既往症等，帮助用户看懂保险合同\n - name: claim_guide\n description: 提供旅行保险理赔流程指引，包含常见理赔场景的操作步骤、所需材料和注意事项\n---\n\n# 旅行保险聪明买\n\n智能旅行保险推荐与理赔指南，帮助用户选对保险、读懂条款、顺利理赔。\n\n## 核心原则\n\n- **用户利益优先**：推荐保险以覆盖真实风险为标准，不以保费高低排序\n- **信息准确**：保险条款和理赔要求以保险公司官方为准，本技能提供的是通俗解读而非法律意见\n- **购买渠道透明**：提供多个购买渠道链接（飞猪、支付宝、保险公司官网），用户自行比价选择\n- **零配置**：纯知识库技能，无需任何API Key或配置\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n\n1. 收集用户出行信息：目的地、出行类型（休闲/商务/探亲/留学）、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒用户投保前必看的3个关键点\n\n### claim_guide（理赔指南）\n\n1. 识别用户的理赔场景（医疗、航班延误、行李丢失、行程取消等）\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见拒赔原因\n\n## 输出格式\n\n推荐保险时，按以下格式输出：\n\n```\n🛡️ 旅行保险推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险：搜索\"飞猪旅游保险\"\n- 支付宝蚂蚁保：搜索\"旅行险\"\n- {保险公司}官网：{链接}\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 数据流向\n\n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。\n\n## 边界说明\n\n- 本技能提供保险知识推荐，不销售保险，不是保险经纪\n- 推荐基于通用风险评估，不构成个性化保险建议\n- 保险条款以保险公司官方为准，本技能解读仅供辅助理解\n- 理赔结果由保险公司决定，本技能提供流程指引\n\nFile v1.0.0:_meta.json\n\n{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"1.0.0\",\n \"publishedAt\": 1781281242006\n}\n\nFile v1.0.0:skill-card.md\n\n## Description:
\n旅行保险聪明买 provides travel insurance recommendations, plain-language coverage explanations, and claim-process guidance for common domestic and international travel scenarios.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[travel-skills](https://clawhub.ai/user/travel-skills)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nTravelers and travel-support agents use this skill to compare travel insurance coverage needs, understand policy terms, and prepare claim materials. It is guidance only and does not sell insurance, act as a broker, or replace insurer terms.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: Insurance prices, coverage limits, exclusions, visa insurance requirements, and claim rules may be outdated or differ by product.
\nMitigation: Verify all purchase decisions and claim steps with the insurer, official platform, policy wording, or relevant government/visa authority before acting.
\nRisk: The skill gives general insurance guidance and may be mistaken for broker, legal, or personalized financial advice.
\nMitigation: Treat outputs as educational guidance and consult the insurer, licensed professional, or official channel for binding advice or coverage decisions.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/travel-skills/travel-insurance-smart-buy)
\n- [ClawHub publisher profile](https://clawhub.ai/user/travel-skills)
\n\n\n## Skill Output:
\n**Output Type(s):** [Text, Markdown, Guidance]
\n**Output Format:** [Markdown-formatted guidance with recommendations, coverage explanations, checklists, and relevant purchase-channel URLs.]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [May include estimated premiums, suggested coverage amounts, insurer or platform links, and claim-document checklists; no credentialed API calls are evidenced.]
\n\n## Skill Version(s):
\n1.0.0 (source: server release metadata)
\n\n## Ethical Considerations:
\nUsers 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.
","readmeExcerpt":"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","codeSnippets":[],"executableExamples":[{"language":"text","snippet":"🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}"},{"language":"text","snippet":"🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}"},{"language":"text","snippet":"🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}"},{"language":"text","snippet":"🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}"},{"language":"text","snippet":"🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}"},{"language":"text","snippet":"🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}"}],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\nname: 旅行保险聪明买\ndisplay_name: \"旅行保险聪明买\"\ndescription: 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\ntags: [旅行保险, 出行保障, 理赔指南, 申根签证, 航班延误, 旅行医疗]\ntools:\n - name: recommend_insurance\n 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\n - name: explain_coverage\n 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\n - name: claim_guide\n 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\nprimaryEnv: PROXY_TOKEN\n\n---\n\n# 出行保障助手 — 选对保险、读懂条款、顺利理赔\n\n> 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。\n\n🔥 **核心亮点：**\n- **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\n- **条款白话解读** — 免赔额、等待期、除外责任，用大白话讲清楚\n- **理赔全流程** — 常见场景操作步骤+所需材料清单+注意事项\n- **申根签证适配** — 满足申根签证3万欧元医疗保额要求\n- **零配置** — 纯知识库技能，无需申请任何API Key\n\n## 快速入门\n\n**3个开场白示例，复制即用：**\n\n1. \"去泰国玩5天，推荐什么旅行保险\"\n2. \"保险里的免赔额是什么意思\"\n3. \"航班延误了怎么理赔\"\n\n## 核心能力\n\n1. **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\n2. **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\n3. **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\n4. **申根签证保障** — 推荐满足申根签证要求的医疗保额方案\n5. **高风险运动覆盖** — 滑雪、潜水、跳伞等高风险活动的保障推荐\n6. **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\n\n## 工作流程\n\n### recommend_insurance（场景化推荐）\n1. 收集出行信息：目的地、出行类型、天数、人数、是否有老人/儿童\n2. 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\n3. 按风险维度匹配险种组合：\n - 医疗保障（核心）：门诊+住院+紧急救援\n - 行程保障：航班延误/取消、行李延误/丢失\n - 个人责任：意外造成第三方损失\n - 特殊需求：高风险运动、既往症、极限活动\n4. 给出保额建议和推荐组合，附购买渠道链接\n\n### explain_coverage（条款白话解读）\n1. 识别用户想了解的条款概念\n2. 用通俗语言解释，配合具体案例\n3. 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\n4. 提醒投保前必看的3个关键点\n\n### claim_guide（权益申领指南）\n1. 识别用户的权益申领场景\n2. 给出分步操作流程\n3. 列出所需材料清单\n4. 提醒时效要求和常见不予受理原因\n\n## 输出格式\n\n```\n🛡️ 旅行保障方案推荐方案\n\n📍 出行信息：{目的地} · {天数}天 · {人数}人\n🎯 风险等级：{低/中/高}\n\n【核心保障】（必买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n 保障范围：{简述}\n\n【增强保障】（建议买）\n- 险种：{名称} | 保额建议：{金额} | 保费参考：{范围}\n\n【可选保障】（按需买）\n- 险种：{名称} | 适合：{场景}\n\n💰 方案预估：{最低~最高}元/人\n\n🔗 购买渠道：\n- 飞猪旅行险\n- 支付宝蚂蚁保\n- 保险公司官网\n\n⚠️ 投保前必看：\n1. {注意事项}\n2. {注意事项}\n```\n\n## 能做什么\n\n- 根据出行场景智能推荐保险方案\n- 白话解读保险条款，帮你看懂保障合同\n- 提供理赔全流程指引（医疗/延误/行李/取消）\n- 推荐满足申根签证要求的保障方案\n- 提供多平台购买渠道链接\n\n## 不能做什么\n\n- 不直接销售保险产品，仅提供信息推荐\n- 不构成个性化保险建议，最终以保险公司官方为准\n- 理赔结果由保险公司决定，本技能仅提供流程指引\n- 不处理保险支付和退保流程\n\n## 使用提示\n\n- 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\n- 出境游建议优先关注医疗保障和紧急救援\n- 申根签证必须满足3万欧元（约30万人民币）医疗保额\n- 高风险运动（滑雪、潜水等）需单独确认是否覆盖\n\n## 🔗 搭配使用\n\n- **出境游旅行助手** — 签证/安全/退税/插头等出境指南\n- **航班动态追踪** — 查航班延误状态，为理赔提供依据\n- **全能旅行助手** — 行程规划+酒店机票一站式服务\n\n## 数据流向\n\n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。"},{"path":"_meta.json","content":"{\n \"ownerId\": \"kn7e1mfbeh2h71wg876t0sb8gx884fjb\",\n \"slug\": \"travel-insurance-smart-buy\",\n \"version\": \"2.0.4\",\n \"publishedAt\": 1790157492556\n}"},{"path":"skill-card.md","content":"## Description:\n\n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。\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[travel-skills](https://clawhub.ai/user/travel-skills)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nTravelers 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.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The skill declares PROXY_TOKEN while also claiming that it needs no API key and does not transmit user data.\n\nMitigation: Require the publisher to explain or remove PROXY_TOKEN before installation and confirm whether trip details can pass through any proxy or external service.\n\nRisk: Travel insurance recommendations and claim guidance can be incomplete or different from the insurer's binding policy terms.\n\nMitigation: Treat output as informational and verify coverage, exclusions, claim deadlines, and required documents with the insurer or official policy before acting.\n\nRisk: The included Python tool file may not run because of syntax errors.\n\nMitigation: Fix and test the tool file before deployment, or use the skill only as static guidance until the executable artifact is corrected.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/travel-skills/skills/travel-insurance-smart-buy)\n- [Publisher profile](https://clawhub.ai/user/travel-skills)\n\n## Skill Output:\n\n**Output Type(s):** [Guidance, Markdown, Text]\n\n**Output Format:** [Markdown-style text recommendations and checklists]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Outputs may include insurance coverage suggestions, plain-language term explanations, claim document checklists, and purchase-channel links.]\n\n## Skill Version(s):\n\n2.0.4 (source: server release evidence)\n\n## Ethical Considerations:\n\nUsers 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."}],"languages":[],"docsSourceLabel":"CLAWHUB","editorialOverview":"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","editorialQuality":{"score":100,"threshold":65,"status":"ready","wordCount":692,"uniquenessScore":63,"reasons":[]}},"media":{"evidence":{"source":"no-media","verified":false,"confidence":"low","updatedAt":"2026-10-11T02:56:12.999Z","emptyReason":"No screenshots, media assets, or demo links are available."},"primaryImageUrl":null,"mediaAssetCount":0,"assets":[],"demoUrl":null},"ownerResources":{"evidence":{"source":"unclaimed","verified":false,"confidence":"low","updatedAt":"2026-10-11T02:56:12.999Z","emptyReason":"This page has not been claimed by the agent owner."},"hasCustomPage":false,"customPageUpdatedAt":null,"customLinks":[],"structuredLinks":{"docsUrl":null,"demoUrl":null,"supportUrl":null,"pricingUrl":null,"statusUrl":null},"customPage":null},"relatedAgents":{"evidence":{"source":"protocol-neighbors","verified":false,"confidence":"medium","updatedAt":"2026-10-11T05:45:33.739Z","emptyReason":null},"items":[{"id":"8ebccd8e-3863-4187-8355-c3f14e1f9edf","entityType":"agent","canonicalPath":"/agent/iofficeai-aionui","slug":"iofficeai-aionui","name":"AionUi","description":"Free, local, open-source 24/7 Cowork app and OpenClaw for Gemini CLI, Claude Code, Codex, OpenCode, Qwen Code, Goose CLI, Auggie, and more | 🌟 Star if you like it!","url":"https://github.com/iOfficeAI/AionUi","homepage":"https://www.aionui.com","source":"GITHUB_REPOS","protocols":["MCP","OPENCLAW"],"capabilities":[],"safetyScore":100,"overallRank":70,"updatedAt":"2026-10-09T19:11:12.944Z","createdAt":"2026-02-25T03:38:16.584Z","downloads":null},{"id":"b917f68a-ebff-438e-84f8-3f4b2494c0bc","entityType":"agent","canonicalPath":"/agent/activepieces-activepieces","slug":"activepieces-activepieces","name":"activepieces","description":"AI Agents & MCPs & AI Workflow Automation • (~400 MCP servers for AI agents) • AI Automation / AI Agent with MCPs • AI Workflows & AI Agents • MCPs for AI Agents","url":"https://github.com/activepieces/activepieces","homepage":"https://www.activepieces.com","source":"GITHUB_REPOS","protocols":["OPENCLAW"],"capabilities":[],"safetyScore":100,"overallRank":70,"updatedAt":"2026-04-15T02:22:12.426Z","createdAt":"2026-02-25T03:38:12.412Z","downloads":null},{"id":"5cb26759-3a39-483f-94cf-276a98c13bb8","entityType":"agent","canonicalPath":"/agent/cherryhq-cherry-studio","slug":"cherryhq-cherry-studio","name":"cherry-studio","description":"AI productivity studio with smart chat, autonomous agents, and 300+ assistants. 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