Insurance Product Evaluation

The Problem

Insurance terms often spread coverage, exclusions, renewal rules, and benefit illustrations across long documents, making it hard to tell where a product is strong or weak. This skill evaluates products in a structured way: it takes a product name or policy text, identifies the coverage type, extracts key elements, scans high-risk traps, and scores the product with a five-dimension model. It does not make purchase recommendations; it turns clause-level issues into comparable data.

How It Works

• Coverage type recognition: supports 17 insurance categories, from critical illness and medical insurance to universal life and increasing whole life.
• Clause extraction: pulls out coverage scope, exclusions, waiting periods, cooling-off periods, waiver rules, and claim conditions into a compact table.
• Trap scanning: uses 118 rules with coverage-type filtering, negative-keyword exclusion, and condition-priority matching to reduce false positives.
• Five-dimension scoring: weights coverage breadth, clause friendliness, premium competitiveness, flexibility, and company reliability to produce an A-E rating.
• Comparison and fit: compares multiple products in the same category, or suggests coverage types, sum-assured ranges, and budget priorities from age, family structure, and existing protection.

Boundaries

This skill relies on policy text and public data. It includes risk notes, but it is not professional advice or a purchase recommendation. Clause changes, health disclosure, occupation class, and underwriting rules can affect the result, so the insurer's official terms remain the final reference.