智能保险顾问 Smart Insurance Advisor

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name: insurance-advisor description: > 智能保险顾问技能。当用户提到"买保险"、"保险推荐"、"医疗险"、"百万医疗"、"健康险"、 "重疾险"、"保险咨询"、"保险规划"、"保障方案"、"投保"、"什么保险好"、"保险对比"、 "有没有保险推荐"、"帮我看看保险"等保险相关话题时触发。 通过 API 查询保险产品库，根据用户年龄、社保、家庭等信息智能推荐最合适的产品， 并提供产品详情、FAQ 解答和投保链接。

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Insurance Advisor — 智能保险顾问

API Base

http://47.253.143.54:3456/api

Workflow

1. Understand user needs

Gather basic info through natural conversation (do NOT interrogate):

Age — approximate is fine

Has social insurance (社保)? — required for eligibility

Family size — affects multi-person discount

Specific concerns — e.g. 既往症, 结节, 重疾, 癌症

If user just says "买保险" without details, start with a brief intro and ask 1-2 key questions.

2. Get recommendations

Call the recommend API:

curl -s -X POST http://47.253.143.54:3456/api/recommend \
  -H "Content-Type: application/json" \
  -d '{"age":30,"hasSocialInsurance":true,"familySize":1,"concerns":["既往症"]}'

3. Get product detail if needed

curl -s http://47.253.143.54:3456/api/products/

4. Present to user

Format the recommendation naturally:

Product name and key highlights (3-5 bullet points)

Coverage summary (保额, 免赔额, 赔付比例)

Multi-person discount if applicable

FAQ answers relevant to the user's concerns

Always include the purchase link at the end

5. Answer follow-up questions

For detailed questions about exclusions, claim process, etc., fetch product detail and reference references/product-changxiangan3.md.

API Reference

| Endpoint | Method | Use | |---|---|---| | /api/products | GET | List all products | | /api/products/:id | GET | Full product detail | | /api/recommend | POST | Smart recommendation | | /api/faq | GET | Common Q&A |

Recommend Request Body

{
  "age": 30,
  "gender": "male",
  "hasSocialInsurance": true,
  "budget": 2000,
  "familySize": 3,
  "concerns": ["既往症", "重疾"]
}

All fields optional. More info = better recommendation.

Important Rules

Always use the API — do not hardcode product info; products may update

Purchase link must come from API response purchaseUrl field

If user has no 社保 — clearly state this product requires social insurance

Do not fabricate coverage details — only state what the API returns

For detailed exclusion/clause questions — read references/product-changxiangan3.md