Agent skill

Insurance Operations Analysis

by zj-unicom-ai in zj-unicom-ai/UniEmployee

Analyzes insurance operating data such as premium, loss ratio, renewal rate and expense ratio by branch, product and channel, flags anomalies and builds an HTML dashboard.

MITAuto-check passedBusiness, Finance & HR

SKILL.md written in Chinese; this summary is our English description.

Install Insurance Operations Analysis

skills CLI
$ npx skills add zj-unicom-ai/UniEmployee --skill insurance-operations-analysis -a claude-code

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

GitHub CLI
$ gh skill install zj-unicom-ai/UniEmployee insurance-operations-analysis --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/zj-unicom-ai/UniEmployee.git skills-src && mkdir -p .claude/skills && cp -r skills-src/backend/skills/insurance-operations-analysis .claude/skills/insurance-operations-analysis && 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
insurance-operations-analysis
GitHub stars
360
Token cost
~646 tokens
SKILL.md length
137 words
Files
1
Skills in repo
22
Repo updated
First seen
Licence
MIT

At a glance

Analyzes insurance operating data such as premium, loss ratio, renewal rate and expense ratio by branch, product and channel, flags anomalies and builds an HTML dashboard.

  • Works in 3 steps: 分公司维度:保费、环比、赔付率、续保率、费用率。 → 产品线维度:保费结构、赔付率、续保率。 → 渠道维度:渠道保费贡献、费用率、件均保费。
  • Preparing a monthly insurance business review by branch
  • SKILL.md covers 适用场景, 数据来源, 核心指标口径 and 标准分析流程, plus 2 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Written in Chinese, the skill sets a fixed procedure for monthly or quarterly insurance reviews and for comparing branches, product lines and channels. It reads four demo CSV files from the workspace data folder with run_python, checks fields, month range, row counts and missing values first, and forbids made-up numbers. Metrics are defined explicitly, such as loss ratio as claims over earned premium, renewal rate as renewals done over renewals due, and expense ratio as expenses over premium.

Analysis drills into branch, product and channel tables, then flags anomalies against set thresholds: premium down more than 8 percent month on month, loss ratio above 75 percent, renewal rate below 68 percent, expense ratio above 18 percent, or premium growth over 20 percent with average premium per policy falling more than 8 percent. Causes come from a business events file and are labeled as data fact, business clue or management advice. Dashboards are returned as full HTML in the chat, never saved to disk.

When your agent uses it

  • Preparing a monthly insurance business review by branch
  • Finding branches with abnormal loss ratios or falling renewals
  • Building a one-page HTML dashboard of premium and channel contribution

Example prompts

  • “Analyze August 2026 insurance performance for each Zhejiang branch and build a dashboard.”
  • “Which branches have a loss ratio above 75 percent this month, and what might explain it?”
  • “Compare channel contribution and expense ratio across branches and write management suggestions.”

Requirements

  • A run_python tool
  • The four insurance CSV files in the workspace data folder

Workflow steps

3 steps, taken from the first numbered list in SKILL.md.

  1. 分公司维度:保费、环比、赔付率、续保率、费用率。
  2. 产品线维度:保费结构、赔付率、续保率。
  3. 渠道维度:渠道保费贡献、费用率、件均保费。

What it can do on your machine

Read from SKILL.md and the folder at commit c38a00a. 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 (its code samples are python and html).

    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

Insurance Operations Analysis loads about 646 tokens when it runs. Until then it costs about 21 tokens; SKILL.md has 137 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~21
When it runs · the whole SKILL.md, loaded when a task matches
~646

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 zj-unicom-ai/UniEmployee at commit c38a00a, republished under its MIT licence (© zj-unicom-ai). 137 words, ~646 tokens.

Download SKILL.mdSave it as .claude/skills/insurance-operations-analysis/SKILL.md (or your agent's skills folder).
name
insurance-operations-analysis
description
保险经营分析技能。用户要求分析保费、赔付率、续保率、渠道贡献、产品结构、机构异常、经营月报或可视化看板时使用。

保险经营分析

你是保险经营分析专家。接到保险经营分析任务时,严格按本规程执行,禁止跳过数据校验或编造数字。

适用场景

  • 月度/季度保险经营分析
  • 分公司、机构、产品线、渠道经营对比
  • 保费增长异常、赔付率异常、续保率异常、费用率异常分析
  • 车险、健康险、意外险、企财险等产品线结构分析
  • 经营分析报告、经营看板、管理建议

数据来源

所有演示数据位于 workspace/data/,run_python 工作目录已指向该目录,直接用文件名读取:

文件用途
insurance_monthly_kpi.csv月度经营指标明细
insurance_branch_info.csv分公司/机构基础信息
insurance_product_info.csv产品线定义和风险说明
insurance_business_events.csv经营事件与异常解释线索

核心指标口径

  • 保费收入 = premium
  • 保费环比 = 本月保费 / 上月保费 - 1
  • 保费同比 = 本月保费 / 去年同期保费 - 1
  • 赔付率 = claim_amount / earned_premium
  • 续保率 = renewal_done / renewal_due
  • 件均保费 = premium / policy_count
  • 渠道贡献 = 某渠道保费 / 总保费
  • 费用率 = expense_amount / premium

标准分析流程

步骤 1:读取和校验数据

必须先用 run_python 检查文件、字段、月份范围、行数和空值风险。

参考代码:

python
import pandas as pd

kpi = pd.read_csv("insurance_monthly_kpi.csv")
branch = pd.read_csv("insurance_branch_info.csv")
product = pd.read_csv("insurance_product_info.csv")
events = pd.read_csv("insurance_business_events.csv")

print("kpi rows", len(kpi), "months", sorted(kpi["month"].unique()))
print("branches", sorted(kpi["branch"].unique()))
print("product_lines", sorted(kpi["product_line"].unique()))
print("channels", sorted(kpi["channel"].unique()))
print("missing values")
print(kpi.isna().sum().to_string())
步骤 2:计算核心指标

必须计算目标月的全省总览:

  • 总保费
  • 同比/环比
  • 平均赔付率
  • 平均续保率
  • 费用率
  • 保单数
步骤 3:机构、产品、渠道下钻

至少输出三张表:

  1. 分公司维度:保费、环比、赔付率、续保率、费用率。
  2. 产品线维度:保费结构、赔付率、续保率。
  3. 渠道维度:渠道保费贡献、费用率、件均保费。
步骤 4:异常识别

用以下规则标记异常,命中任一即可进入重点分析:

  • 保费环比下降超过 8%
  • 赔付率高于 75%
  • 续保率低于 68%
  • 费用率高于 18%
  • 保费增长超过 20% 但件均保费下降超过 8%

异常结论必须包含:异常机构、异常指标、偏离幅度、业务线索、建议动作。

步骤 5:归因解释

优先从 insurance_business_events.csv 查找目标月和机构相关事件。没有事件线索时,必须明确说明“数据中未提供直接事件线索”,只能做谨慎推断。

归因表达必须分三类:

  • 数据事实:用数字证明异常存在。
  • 业务线索:来自经营事件表或产品说明。
  • 管理建议:下一步应验证或执行的动作。
步骤 6:报告和看板输出

用户要求“报告/看板/可视化”时,必须把完整 HTML 直接输出到对话,格式如下:

html
<!-- REPORT_HTML_START -->
<!DOCTYPE html>
<html lang="zh-CN">
...
</html>
<!-- REPORT_HTML_END -->

HTML 要求:

  • 第一屏显示标题、分析月份、核心 KPI 卡片。
  • 至少包含 4 个图表区域:机构保费对比、赔付率对比、产品结构、渠道贡献。
  • 必须包含“异常机构清单”和“管理建议”。
  • 可以使用 ECharts CDN。
  • 禁止 write_file、edit_file、execute 把报告写到磁盘。
  • 禁止谎称“报告已保存到某路径”。

推荐主 Demo 问题

用户现场演示时,可以直接提问:

帮我分析 2026 年 8 月浙江省各分公司的保险经营情况,重点关注保费增长、赔付率、续保率和渠道贡献,找出表现异常的机构,分析可能原因,并生成一份可视化经营分析报告。

期望识别的典型异常:

  • 杭州分公司:车险保费环比下滑、续保率下降。
  • 宁波分公司:健康险赔付率显著偏高。
  • 温州分公司:银保渠道增长较快,但件均保费下降、费用率偏高。

输出风格

  • 中文,结论先行。
  • 管理层可读,少写技术过程。
  • 每个重要判断必须带数字。
  • 最后给“下月重点关注机构”和“建议动作”。

© zj-unicom-ai, 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 backend/skills/insurance-operations-analysis of zj-unicom-ai/UniEmployee.

Open the folder on GitHubat commit c38a00a

Compare with similar skills

Insurance Operations Analysis 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.

Insurance Operations Analysis compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Insurance Operations Analysis this skillzj-unicom-ai/UniEmployee360—~646Automated safety check: PassMIT
A-Share Daily Reviewqusong0627/QuantMind1.7k—~1.9kAutomated safety check: PassAGPL-3.0
A-Share Corporate Event AnalysisHKUDS/Vibe-Trading35k—~1.1kAutomated safety check: PassMIT
Fund Analysis and FOF ScreeningHKUDS/Vibe-Trading35k—~1.2kAutomated safety check: PassMIT
Python Executorcortega26/chile-hub1132 repos~1.5kAutomated safety check: PassMIT
Release Evidence WorkflowAli-Marandi/ClimateDataAnalyzer107—~1.6kAutomated safety check: PassMIT

Similar skills

  • A-Share Daily Review

    qusong0627/QuantMind

    Produces a post-market review report for the China A-share market from local QuantDB data, news sentiment and model signals, ending in a next-day direction call.

    1.7k GitHub stars~1.9k tokensUpdated today
    Business, Finance & HRAuto-check passed
  • Builds event-driven analysis for A-share companies: merger arbitrage spreads, shareholder buying and selling signals, equity incentives, placements and ST or delisting warnings; Chinese text.

    35k GitHub stars~1.1k tokensUpdated yesterday
    Business, Finance & HRAuto-check passed
  • Evaluates mutual funds, private funds and ETFs by return, risk and risk-adjusted metrics, style box and drift, and manager quality, then builds FOF portfolios; Chinese text.

    35k GitHub stars~1.2k tokensUpdated yesterday
    Business, Finance & HRAuto-check passed
  • Python Executor

    cortega26/chile-hub

    Execute Python code in a safe sandboxed environment via [inference.sh](https://inference.sh).

    113 GitHub starsUsed in 2 repos~1.5k tokens
    Data & AnalyticsAuto-check passed
  • Release Evidence Workflow

    Ali-Marandi/ClimateDataAnalyzer

    Build an auditable release-evidence workflow for a desktop or packaged application.

    107 GitHub stars~1.6k tokensUpdated 1 mo ago
    Data & AnalyticsAuto-check passed
  • AutoMCM-Pro for Codex CLI

    RealSeaberry/AutoMCM-Pro

    Runs a math modeling contest pipeline for CUMCM and MCM/ICM entries in Codex CLI, with git checkpoints, verified solver code and human review at each stage.

    257 GitHub stars~1.6k tokensUpdated 1 mo ago
    Data & AnalyticsAuto-check passed

More from zj-unicom-ai/UniEmployee

All 22 skills in this repo
  • Enterprise Customer Visit Playbook

    zj-unicom-ai/UniEmployee

    Prepares account managers for visits to government and enterprise customers: looks up the customer file, matches products, builds a Word solution document and files visit minutes.

    360 GitHub stars~458 tokensUpdated 3 days ago
    Auto-check passed
  • Tencent ima Knowledge Base Reader

    zj-unicom-ai/UniEmployee

    Exports the article list and original article text from a Tencent ima knowledge base through a logged-in Chrome session, using browser automation.

    360 GitHub stars~1k tokensUpdated 3 days ago
    Auto-check passed
  • Business Overview Analysis

    zj-unicom-ai/UniEmployee

    Produces a full business health analysis from sales, finance, inventory and customer CSV files: core KPIs, monthly trends, drill-downs and recommendations.

    360 GitHub stars~662 tokensUpdated 3 days ago
    Auto-check passed
  • Competitor Deep-Dive Dashboard

    zj-unicom-ai/UniEmployee

    Produces a competitor benchmarking dashboard as an HTML page with an ECharts price comparison, from built-in profile cards plus fresh web research.

    360 GitHub stars~1.7k tokensUpdated 3 days ago
    Auto-check passed
  • Market Alert Triage

    zj-unicom-ai/UniEmployee

    Assesses a reported market event such as a competitor price cut, new launch or negative press, verifies it, grades urgency from P0 to P2 and produces a short alert card.

    360 GitHub stars~778 tokensUpdated 3 days ago
    Auto-check passed
  • Market Daily Brief

    zj-unicom-ai/UniEmployee

    市场情报每日简报技能。当用户需要市场简报/早报/日报/周报/行业动态汇总,或问"最近有什么值得关注的"时使用。产出 HTML 在线看板。

    360 GitHub stars~1.6k tokensUpdated 3 days ago
    Auto-check passed

Works with

Questions about Insurance Operations Analysis

What does Insurance Operations Analysis do?

Analyzes insurance operating data such as premium, loss ratio, renewal rate and expense ratio by branch, product and channel, flags anomalies and builds an HTML dashboard. Written in Chinese, the skill sets a fixed procedure for monthly or quarterly insurance reviews and for comparing branches, product lines and channels. It reads four demo CSV files from the workspace data folder with run_python, checks fields, month range, row counts and missing values first, and forbids made-up numbers.

When should I use Insurance Operations Analysis?

Insurance Operations Analysis fits situations like: preparing a monthly insurance business review by branch; finding branches with abnormal loss ratios or falling renewals; building a one-page HTML dashboard of premium and channel contribution.

How do I install Insurance Operations Analysis in Claude Code?

Run `npx skills add zj-unicom-ai/UniEmployee --skill insurance-operations-analysis -a claude-code`. Or copy the skill folder (backend/skills/insurance-operations-analysis in zj-unicom-ai/UniEmployee) into .claude/skills/insurance-operations-analysis in your project. Claude Code loads it when a task matches its description.

How do I install Insurance Operations Analysis in Codex?

Run `npx skills add zj-unicom-ai/UniEmployee --skill insurance-operations-analysis -a codex`. Or copy the skill folder (backend/skills/insurance-operations-analysis in zj-unicom-ai/UniEmployee) into .agents/skills/insurance-operations-analysis in your project. Codex loads it when a task matches its description.

Can I use Insurance Operations Analysis 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 zj-unicom-ai/UniEmployee --skill insurance-operations-analysis -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/insurance-operations-analysis, .gemini/skills/insurance-operations-analysis, .github/skills/insurance-operations-analysis and .opencode/skills/insurance-operations-analysis in your project.

What does Insurance Operations Analysis need to run?

SKILL.md names no scripts, command-line tools or credentials: Insurance Operations Analysis is instructions for the agent only. Our summary lists: A run_python tool; The four insurance CSV files in the workspace data folder.

Does Insurance Operations Analysis 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 Insurance Operations Analysis 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 Insurance Operations Analysis use?

Insurance Operations Analysis 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 Insurance Operations Analysis use?

About 646 tokens (SKILL.md is roughly 2.6k 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 Insurance Operations Analysis?

Skills that share tags, products or a category with Insurance Operations Analysis: A-Share Daily Review (qusong0627/QuantMind, 1.7k stars), A-Share Corporate Event Analysis (HKUDS/Vibe-Trading, 35k stars), Fund Analysis and FOF Screening (HKUDS/Vibe-Trading, 35k stars) and Python Executor (cortega26/chile-hub, 113 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Insurance Operations Analysis?

zj-unicom-ai (a GitHub organization) maintains it in zj-unicom-ai/UniEmployee, which has 360 GitHub stars. The repository holds 22 skills in this directory. The repository was last updated on October 8, 2026.

Source: zj-unicom-ai/UniEmployee on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.