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insurance-policy-decoder

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在需要用到之前，把房屋、租客或车辆保险单解读成真正保什么、排除什么、赔付账怎么算。当有人问'我的保险到底保什么'、'帮我解读保单'、'这个免赔额正常吗'或'实际现金价值和重置成本的区别'时使用。产出附真实赔付情景的逐项保障解读、分级的除外条款警示、ACV与重置成本的账，以及续保前要问代理人的问题。

skills-i18n/zh/insurance-policy-decoder/SKILL.md

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Nov 9, 2026

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Repository last updated
Nov 9, 2026
License
MIT

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> [insurance-policy-decoder](../../../skills/insurance-policy-decoder/SKILL.md) 的简体中文翻译 — 英文版本为规范版本。

# 保单解读技能

保单被读两次：签约时（没人读）和出险后（太迟了）。这个技能把第一次读认真做完——每条保障在真实情景里赔多少、哪些除外条款吞掉哪些承诺、"有保障"是赔新的还是折旧到几个铜板。声明页是营销；除外条款和定义部分才是保单。

## 这个技能产出什么

- 逐项保障解读，每项配一个具体赔付情景（"厨房失火损失4万 → 保单赔X，因为……"）
- 分级警示信号：掏空标题保障的除外条款、分项限额、ACV陷阱、共保罚则
- ACV vs 重置成本的账，用用户自己的财产算
- 问代理人的问题——发现的缺口、值得询价的附加条款、要书面确认的事项

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