BD 买重大疾病保险不踩雷
总是有朋友咨询买重大疾病保险，可收集到的信息都不一样，为了能够有一个准确的依据，根据 基于《中国人身保险业重大疾病经验发生率表（2020）》的交互式重疾险购买顾问。 通过心理测试题分析用户的性别、地理位置、生活习惯、工作工种、经济形势、收入预测、遗传疾病等风险因素， 结合中国保险行业协会官方精算数据，生成个性化的重疾险购买建议报告。 触发词：重疾险、重大疾病保险、买保险、保险建议、重疾发生率、保险配置、保险测评、保险避坑、保险推荐、买重疾险、保险规划
As a process D 49/100 · Unfinished process — weak spots: result and completion, when it triggers, inputs and preconditions
How to improve
- Say in the description WHEN to use the skill ("use when…", example requests): that is the agent's main cue.
For the model run — optional
- Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
- A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.
Guard findings · 0
✓ No critical or high findings
Files scanned: 2. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
- warning
name-formatname should be kebab-case (lowercase letters, digits, hyphens) - warning
description-no-whendescription does not say WHEN to use the skill (no "use when")
Process rating: all ten parameters 49/100
- 0Result and completion. Does not say what the result is
- 0Inputs and preconditions. Does not say what the process needs to start
- 0Failures and branches. Linear process with no failure handling
- 0Progress reporting. Says nothing while it works
- 20When it triggers. No condition that starts the skill
- 40Consistency. Frontmatter name (买重大疾病保险不踩雷) differs from the folder (buy-critical-illness-insurance-zh)
- 100Tools and files. No external tools needed
- 100Steps. 130 steps
- 100Execution cost. Instruction body is 2118 tokens
- 100Running it twice. No mutating operations
- low 10 top-level sections: this looks like several domains in one skill
Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.
Quality signals
- +5Description has no quoted example phrases that should trigger the skill
- +4Description does not say when NOT to use the skill (false activations)
- +3Output format is not stated: the model decides each time
- -220 emoji in the instructions: noise for the model
- +1No license
- +2Single-language instructions
- +3Description length 227: enough signal without eating the budget
- +4Structure: 36 headings
- +3Step-by-step instructions: 130 items
- +4Has examples (3 code blocks)
Quality base 70; lint remarks subtract, signals add up to 100. Result: 65.
External checks
ClawHub: clean
This is an instruction-only critical illness insurance questionnaire that asks sensitive health and financial questions, but it is disclosed, purpose-aligned, and does not install or run code.
LLM: benign (high) · VirusTotal: · 29 May 2026