Agent skill

Claims Triage

by mohitagw15856 in mohitagw15856/pm-claude-skills

Triage an incoming insurance claim: check the coverage trigger against policy wording, band severity and complexity, screen for fraud indicators, set a first-pass reserve range, and route with an SLA.

MITAuto-check passed

Install Claims Triage

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill claims-triage -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills claims-triage --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/claims-triage .claude/skills/claims-triage && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
claims-triage
GitHub stars
1.4k
Token cost
~1.5k tokens
SKILL.md length
696 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

Triage an incoming insurance claim: check the coverage trigger against policy wording, band severity and complexity, screen for fraud indicators, set a first-pass reserve range, and route with an SLA.

  • Against policy wording
  • SKILL.md covers What This Skill Produces, Required Inputs, Triage Framework and Output Format, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
  • Band severity and complexity

What it does

Claims Triage is an agent skill from mohitagw15856/pm-claude-skills. Triage an incoming insurance claim: check the coverage trigger against policy wording, band severity and complexity, screen for fraud indicators, set a first-pass reserve range, and route with an SLA. Use when asked to triage a claim, review a first notice of loss (FNOL), assess a new claim, decide fast-track vs adjuster routing, or screen a claim for SIU referral. Produces a structured triage note with coverage view, severity band, indicator screen, reserve range, and a routing recommendation.

Its SKILL.md is about 1.5k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Against policy wording
  • Band severity and complexity
  • Screen for fraud indicators
  • Set a first-pass reserve range

Example prompts

  • “/claims-triage”

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Claims Triage loads about 1.5k tokens when it runs. Until then it costs about 128 tokens; SKILL.md has 696 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~128
When it runs · the whole SKILL.md, loaded when a task matches
~1.5k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 696 words, ~1,472 tokens.

Download SKILL.mdSave it as .claude/skills/claims-triage/SKILL.md (or your agent's skills folder).
name
claims-triage
description
Triage an incoming insurance claim: check the coverage trigger against policy wording, band severity and complexity, screen for fraud indicators, set a first-pass reserve range, and route with an SLA. Use when asked to triage a claim, review a first notice of loss (FNOL), assess a new claim, decide fast-track vs adjuster routing, or screen a claim for SIU referral. Produces a structured triage note with coverage view, severity band, indicator screen, reserve range, and a routing recommendation.

Claims Triage Skill

The first 24 hours of a claim set its cost and its customer experience. This skill runs a disciplined first-pass triage: does the policy respond, how big and how complicated is this, are there indicators that warrant investigation, what should we hold in reserve, and who should own it by when.

What This Skill Produces

  • A coverage-trigger view against the actual policy wording (trigger, exclusions, conditions)
  • A severity/complexity band with rationale
  • A fraud-indicator screen — indicators only, never conclusions
  • A first-pass reserve range (indemnity + expense), labelled as first-pass
  • A routing recommendation (fast-track / adjuster / senior adjuster / SIU referral / coverage counsel) with SLA

Required Inputs

Ask for these if not provided; if working from a thin FNOL, proceed and label every inference [assumed — confirm]:

  • Loss description — what happened, when, where, reported when
  • Policy details — line of business, wording or key clauses, limits, deductible, period
  • Claimed amount or damage description (even rough)
  • Claimant/insured history if available (prior claims, tenure)

Triage Framework

1. Coverage trigger. Quote or paraphrase the operative insuring clause. State: trigger met / trigger uncertain / trigger likely not met — with the specific wording reason. Sweep exclusions and conditions precedent (notification timing, security warranties). If coverage is uncertain, flag a reservation-of-rights consideration and route to coverage counsel review — never let uncertainty default to "covered".

2. Severity/complexity banding:

BandProfileTypical routing
1 — Fast-trackClear coverage, quantum near/below deductible-adjacent threshold, no injury, single partyAutomated/desk settlement
2 — StandardClear coverage, moderate quantum, routine investigationAdjuster
3 — ComplexLarge loss, bodily injury, multiple parties, coverage questions, or business interruptionSenior adjuster, early expert instruction
4 — Major/CATCatastrophe-linked, potential limit loss, litigation likely, reputational exposureMajor-loss team + counsel, executive notification

Band on the worse of severity and complexity.

3. Fraud-indicator screen. Check common indicators: loss shortly after inception or cover increase, late reporting without explanation, documentation inconsistencies, over-documentation, prior similar claims, financial-distress signals, uncooperative or steering behaviour, loss narrative inconsistent with physical evidence. State only which indicators are present and absent. Two or more material indicators → recommend SIU referral in parallel with normal handling; the claim is still handled in good faith.

4. First-pass reserve. Give a range for ultimate incurred: indemnity + expense (adjusting, legal, experts), gross and net of deductible. State the basis (repair estimate, comparable claims, injury tariff) and label it first-pass, to be revised on investigation.

5. Routing + SLA. Name the route, the required first contact/action, and the SLA (e.g. fast-track: decision in 5 business days; Band 3: insured contacted within 24h, site inspection within 5 days).

Output Format

Show full SKILL.md (278 more words)Show less
Claim triage: [claim ref / insured / loss date]

1. Loss summary — 2–3 sentences, facts only. 2. Coverage trigger — clause cited, trigger view, exclusions/conditions checked, open coverage questions. 3. Severity band — band + one-line rationale. 4. Indicator screen — table: indicator | present? | evidence. Then: SIU referral recommended yes/no. 5. First-pass reserve — range, basis, gross/net. 6. Routing & SLA — route, owner type, first actions with deadlines. 7. Information needed — the specific documents/statements to request next.

End every triage note with: "This is analytical support for triage, not a coverage determination. Coverage, reserving, and referral decisions follow your organisation's claims-handling policy and applicable regulation."

Quality Checks

  • Coverage view cites specific wording, not just line of business
  • Severity band has a stated rationale and used the worse of severity/complexity
  • Fraud screen lists indicators present and checked-but-absent — no conclusion stated
  • Reserve is a range with a stated basis, labelled first-pass, gross and net shown
  • Routing includes an SLA and concrete first actions
  • Assumptions from a thin FNOL are labelled [assumed — confirm]
  • Regulatory support-not-determination line is included

Anti-Patterns

  • Do not state a fraud conclusion — state indicators and route to SIU; the word is "indicator", never "fraudulent"
  • Do not let a SIU referral pause good-faith handling of the claim
  • Do not default an uncertain trigger to "covered" or "denied" — flag it for coverage review with the wording question stated
  • Do not give a single-point reserve on day one — give a range with basis
  • Do not invent policy terms — if the wording isn't provided, ask, or label the clause [to confirm against wording]

Example Trigger Phrases

  • "Triage a claim."
  • "Review a first notice of loss."
  • "Assess a new claim."
  • "Decide fast-track vs adjuster routing."
  • "Screen a claim for SIU referral."

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in skills/claims-triage of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Claims Triage next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Claims Triage compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Claims Triage this skillmohitagw15856/pm-claude-skills1.4k—~1.5kAutomated safety check: PassMIT
Coveragealirezarezvani/claude-skills28k1 repos~669Automated safety check: PassMIT
Triagepnpm/pnpm37k—~2.9kAutomated safety check: PassMIT
RTK Combined Issue and PR Triagertk-ai/rtk83k—~1.6kAutomated safety check: NotesApache-2.0
Claimsruvnet/ruflo74k1 repos~1.1kAutomated safety check: PassMIT
Test Coveragethedaviddias/Front-End-Checklist74k—~407Automated safety check: PassMIT

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Questions about Claims Triage

What does Claims Triage do?

Triage an incoming insurance claim: check the coverage trigger against policy wording, band severity and complexity, screen for fraud indicators, set a first-pass reserve range, and route with an SLA. Claims Triage is an agent skill from mohitagw15856/pm-claude-skills. Triage an incoming insurance claim: check the coverage trigger against policy wording, band severity and complexity, screen for fraud indicators, set a first-pass reserve range, and route with an SLA.

When should I use Claims Triage?

Claims Triage fits situations like: against policy wording; band severity and complexity; screen for fraud indicators; set a first-pass reserve range.

How do I install Claims Triage in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill claims-triage -a claude-code`. Or copy the skill folder (skills/claims-triage in mohitagw15856/pm-claude-skills) into .claude/skills/claims-triage in your project. Claude Code loads it when a task matches its description.

How do I install Claims Triage in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill claims-triage -a codex`. Or copy the skill folder (skills/claims-triage in mohitagw15856/pm-claude-skills) into .agents/skills/claims-triage in your project. Codex loads it when a task matches its description.

Can I use Claims Triage in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill claims-triage -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/claims-triage, .gemini/skills/claims-triage, .github/skills/claims-triage and .opencode/skills/claims-triage in your project.

What does Claims Triage need to run?

SKILL.md names no scripts, command-line tools or credentials: Claims Triage is instructions for the agent only.

Does Claims Triage access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Claims Triage safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Claims Triage use?

Claims Triage is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Claims Triage use?

About 1.5k tokens (SKILL.md is roughly 5.9k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Claims Triage?

Skills that share tags, products or a category with Claims Triage: Coverage (alirezarezvani/claude-skills, 28k stars), Triage (pnpm/pnpm, 37k stars), RTK Combined Issue and PR Triage (rtk-ai/rtk, 83k stars) and Claims (ruvnet/ruflo, 74k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Claims Triage?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.