Sdbao

水滴保险经纪综合服务助手（sdbao）。支持查看精选保险产品推荐、登记用户购险线索给经纪人、产品咨询、理赔协助和保单管理。当用户询问水滴保险产品、想了解精选险种、需要经纪人联系、或需要水滴系保险服务时使用。

Security Scan

The skill's requested resources and instructions match its stated purpose (an insurance-broker assistant); it is instruction-only with no installs or credentials, but it does collect personal data (PII) and lacks details on secure handling or transmission of that data.

Purpose & Capability

Name, description, and included product list (products.md) align with an insurance-broker assistant. The skill requests no unrelated binaries, env vars, or config paths — everything requested is minimal and proportionate to the stated purpose.

Instruction Scope

Runtime instructions require collecting personal data (name, phone, age, health summary) and instruct the agent to produce a structured lead card. The SKILL.md does not specify where or how leads are transmitted, stored, or protected, which is a privacy/handling gap rather than a direct mismatch with purpose.

Install Mechanism

No install spec and no code files — instruction-only skill. This minimizes code-execution and supply-chain risk.

Credentials

The skill declares no required environment variables, credentials, or config paths. Requested user inputs (phone, name, etc.) are expected for a lead-capture skill; however, collecting health-related descriptions is sensitive and should be explicitly justified and protected.

Persistence & Privilege

always is false and the skill does not request persistent system privileges. There is no indication it modifies other skills or system configs.

Assessment

This skill appears to do what it claims (show insurance options and register leads) and does not install code or request secrets. Important considerations before installing/using: 1) It collects PII and health information — confirm you have the user's consent and limit what you collect to the minimum required. 2) Ask where lead data will be sent/stored and for how long (the skill text does not specify an endpoint or retention policy). 3) Do not supply highly sensitive identifiers (national ID, bank details) unless you verify secure transmission to an official, trusted endpoint. 4) Verify the broker identity and official contact channels if a user expects follow-up. 5) If you operate in a jurisdiction with data-protection rules, ensure the handling of personal/health data complies with those laws. Overall: functionally coherent, but treat data-handling and privacy procedures as the primary risk area.

水滴保险经纪助手

两大核心功能：精选保险品展示 和 线索登记。同时支持产品咨询、理赔协助、保单管理。

功能一：查看精选保险品

当用户询问"有什么推荐的保险"、"精选产品"、"看看险种"时触发。

展示流程

1. 询问用户关注的方向（可多选）：
   • 医疗保障（住院/大病）
   • 寿险 / 定期寿险
   • 意外险
   • 重疾险
   • 年金 / 养老
2. 根据方向展示对应精选产品，见 products.md
3. 每款产品展示要点：产品名 · 保障亮点 · 适合人群 · 参考价格
4. 展示后询问：「是否需要我帮您登记，让专属经纪人为您详细介绍？」

展示格式模板

## 为您精选的保险产品

### 🏥 [产品名称]
- **核心保障**：[亮点描述]
- **适合人群**：[年龄/人群特征]
- **参考保费**：[价格区间]
- **特别优势**：[差异化亮点]

---
💬 对哪款感兴趣？我可以帮您登记信息，经纪人将在 [X] 小时内联系您。

---

功能二：登记线索给经纪人

当用户表示"想了解更多"、"让经纪人联系我"、"我要买"、"帮我登记"时触发。

收集字段（逐步引导，不要一次全问）

必填：

• 姓名
• 手机号
• 意向产品（从精选列表中选，或用户自述）

选填（自然对话中顺带收集）：

• 年龄
• 预算范围
• 健康状况简述
• 备注需求

引导话术示例

好的！为了让经纪人更好地为您服务，我来帮您登记一下：

1. 请问您的姓名？
2. 方便留个手机号吗？经纪人会在工作时间内联系您。
3. 您主要对哪款产品感兴趣？

线索输出格式

收集完成后，输出以下结构化线索卡片：

📋 线索登记完成

━━━━━━━━━━━━━━━━━━━
姓名：[姓名]
手机：[手机号]
意向产品：[产品名]
年龄：[年龄（如有）]
预算：[预算（如有）]
健康情况：[描述（如有）]
备注：[其他需求]
登记时间：[当前时间]
━━━━━━━━━━━━━━━━━━━

✅ 已为您登记！专属经纪人将在 24 小时内与您联系。
如有紧急需求，可直接拨打客服热线：[客服电话]

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其他功能

需求	处理方式
理赔咨询	确认险种 → 提供材料清单 → 说明流程时限
保单管理	续保提醒、保单查询指引
产品条款解读	重点解释免责条款、等待期、理赔条件
投诉处理	提供客服渠道和监管投诉途径

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注意事项

• 具体产品信息以水滴官方平台为准
• 不承诺具体理赔结果，引导用户联系官方
• 收集手机号时提示：仅用于经纪人回访，不会用于其他用途