Smart Travel Insurance Picker

What it addresses

Travel insurance policies often hide practical risk in deductibles, waiting periods, and exclusions. After a flight delay, baggage loss, medical visit, or hospitalization, it is also easy to miss the right documents, deadlines, and claim sequence. This skill turns those problems into three concrete tasks: shortlisting plans by scenario, translating coverage terms into plain language, and producing a claim checklist for common events.

How it works

The skill uses a knowledge base rather than an API Key, and it does not process payments or cancellations. Typical workflow:
- Scenario-based recommendation: collect destination, duration, party size, travelers with seniors or children, and trip type; for outbound travel, prioritize medical care, hospitalization, and emergency rescue; for Schengen trips, check the EUR 30,000 medical coverage requirement.
- Coverage explanation: explain how deductibles start, how waiting periods affect claims, which events may be excluded, and where common policy traps appear.
- Claim guidance: provide step-by-step actions, required documents, deadlines, and frequent rejection reasons for medical care, flight delay or cancellation, baggage delay or loss, and trip cancellation.
- Channel comparison: list purchase entry points such as Fliggy, Alipay, and insurer websites for the user to compare and decide.

Boundaries

It is useful for pre-trip plan filtering, policy reading, and claim preparation, but it is not a sales system and does not replace underwriting, claim settlement, or policy cancellation. High-risk activities, pre-existing conditions, and extreme sports need explicit coverage confirmation; final payouts depend on the policy terms and the insurer's decision.