Introduction

When helping friends choose accident insurance, the common dilemma isn’t “whether products exist,” but rather “having two or three policy documents with separate terms and coverage tables that can’t be visually matched.” Flipping between PDFs or screenshots side by side makes it easy to miss details like coverage amounts, deductibles, occupational categories, and whether sudden death is covered; the information from sales representatives may also differ from the contract. Below is a community Skill on SkillHub called “Policy Mirror - Insurance Policy Rights Comparison Arena”: upload two or more accident insurance policies at once, perform OCR and structured extraction, conduct multi-dimensional scoring comparisons, and output visualized reports, transforming “comparing terms” from manual data entry into a reproducible process.

What Is This

Policy Mirror - Insurance Policy Rights Comparison Arena (located at @user_1ae2a166/insurance-compare-new, version 1.0.0, category business-ops, source community, publisher user_1ae2a166) is an Agent-oriented Skill. After being installed into the skills directory of various clients based on the general SKILL.md format, it is triggered by the model according to the Skill instructions.

The official description summarizes it as: upload two or more accident insurance policies (images or PDFs), automatically perform OCR recognition combined with LLM for structured extraction, conduct scientific scoring comparisons across seven dimensions (including real-time search for claims reputation), and generate dual-view visualization reports with radar charts and “health check reports.” The page marks requires_api_key=false, meaning the Skill itself does not require separate API Key configuration (actual operation still depends on the capabilities of your Agent and model).

Maintenance and distribution entry points:

  • SkillHub display page: https://www.skillhub.cn/skills/user_1ae2a166/insurance-compare-new
  • API metadata address (official address in task clues): https://api.skillhub.cn/user_1ae2a166/insurance-compare-new

Note: Some channel copy mixes this with capabilities like “critical illness insurance purchasing advisor”; according to the SkillHub page and description, this Skill is positioned as horizontal comparison of accident insurance policies, not as a critical illness configuration advisor based on the “China Life Insurance Critical Illness Experience Rate Table (2020).”

Core Features

The following capabilities are all from the official SkillHub description; those not specified on the page will not be expanded upon.

  1. Multi-policy input: Supports processing two or more accident insurance policies simultaneously in image or PDF format.
  2. OCR + structured extraction: Recognizes policy images, then uses LLM to organize terms and coverage items into comparable structured fields.
  3. Seven-dimension scoring comparison: Compares and scores multiple policies across seven dimensions (specific dimension details are subject to the SKILL.md within the Skill package; the public page does not list the seven dimensions individually).
  4. Claims reputation search: The comparison process includes real-time search for claims reputation to assist judgment (search results depend on current network and model execution environment).
  5. Dual-view reports: Outputs radar chart views and “health check report” style text views, allowing you to see differences at a glance and then read the details.

Installation and Activation

Installation follows the official SkillHub documentation. First, check whether your machine already has the skillhub CLI:

command -v skillhub && skillhub --version

If not installed, you can use the official one-click script (full installation includes CLI and default Skill; add --cli-only if only CLI is needed):

curl -fsSL https://skillhub-1388575217.cos.ap-guangzhou.myqcloud.com/install/install.sh | bash

curl -fsSL https://skillhub-1388575217.cos.ap-guangzhou.myqcloud.com/install/install.sh | bash -s -- --cli-only

When installing this Skill, you must use --dir to point to the skills directory actually read by your current Agent; omitting --dir will default to installing to ./skills/, which most clients will not automatically load. Common paths provided by the official documentation:

  • Claude Code: ~/.claude/skills/
  • Cursor: ~/.cursor/skills/
  • Codex: ~/.codex/skills/ or .agents/skills/ under the project

In Cursor, you can execute:

skillhub install user_1ae2a166/insurance-compare-new --dir ~/.cursor/skills/

The SkillHub page also supports sending the following sentence to AI to complete installation according to https://skillhub.cn/install/skillhub.md:

Please install @user_1ae2a166/insurance-compare-new according to https://skillhub.cn/install/skillhub.md.

After installation, refresh or restart the Agent as required by your client to enable the skills directory. The differences between Cursor, Codex CLI, and Claude Code are only in the skills directory path and whether restart is needed; no additional independent configuration items for this Skill across different clients have been found in public documentation.

Typical Usage

The public page does not provide step-by-step screenshot tutorials, but you can use it according to the following reproducible process (consistent with the official description):

  1. Confirm that the Skill has been installed into the current Agent’s skills directory and is enabled.
  2. In the conversation, specify that you want to compare accident insurance policies, and attach at least two policy files (clear scans, photos, or PDFs).
  3. Let the Agent follow the Skill process to complete OCR, field extraction, seven-dimension comparison, and reputation search, and generate dual views of radar charts and health check reports.
  4. For key fields extracted by machine such as coverage amounts, exclusions, and occupational restrictions, it is recommended to manually verify against the original PDF before making purchasing decisions.

If you only have one policy, the official capability description requires “two or more,” so single input is not within the advertised process.

Use Cases and Notes

Who It’s For

  • People who have obtained multiple accident insurance plans (from brokers, internet products, company group insurance converted to individual, etc.) and need to make horizontal comparisons under the same set of dimensions.
  • People who want to complete “read policy → extract fields → output comparison chart” within an Agent conversation rather than building Excel themselves.

Limitations and Precautions

  • The product scope is limited to accident insurance; do not use it as a critical illness insurance rate table or purchasing psychological assessment advisor.
  • OCR and LLM extraction may have errors with blurry scans, handwritten annotations, and non-standard formats; sentences involving claims and exclusions must be based on the original contract.
  • “Real-time search for claims reputation” results have timeliness and source bias, suitable for reference only, cannot replace terms and official disclosures.
  • This Skill is community published; actuarial and scoring logic is subject to the instructions within the Skill package; it does not constitute insurance advice from a licensed institution.
  • SkillHub scraped metadata shows a rating of approximately 100000 and about 763 downloads (page statistics may change; subject to SkillHub real-time display).

Conclusion

Policy Mirror - Insurance Policy Rights Comparison Arena integrates recognition, structuring, and seven-dimension comparison of multiple accident insurance policies into a single Agent workflow, with radar charts and health check report-style outputs, suitable for scenarios where “you have several policies in hand and need to compare them clearly.” Installation and coordinates are subject to SkillHub: https://www.skillhub.cn/skills/user_1ae2a166/insurance-compare-new .