Requirements
- Target platform
- OpenClaw
- Install method
- Manual import
- Extraction
- Extract archive
- Prerequisites
- OpenClaw
- Primary doc
- SKILL.md
Tencent SkillHub · Data Analysis
Health Insurance
Compare health insurance plans, estimate total yearly costs, and choose coverage that fits medical usage, prescriptions, and financial risk.
skill openclawclawhub Free
Compare health insurance plans, estimate total yearly costs, and choose coverage that fits medical usage, prescriptions, and financial risk.
⬇ 0 downloads ★ 0 stars Unverified but indexed
Install for OpenClaw
Quick setup
- Download the package from Yavira.
- Extract the archive and review SKILL.md first.
- Import or place the package into your OpenClaw setup.
Package facts
- Download mode
- Yavira redirect
- Package format
- ZIP package
- Source platform
- Tencent SkillHub
- What's included
- SKILL.md, comparison-checklist.md, cost-model.md, coverage-framework.md, enrollment-playbook.md, memory-template.md
Validation
- Use the Yavira download entry.
- Review SKILL.md after the package is downloaded.
- Confirm the extracted package contains the expected setup assets.
Install with your agent
Agent handoff
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
- Download the package from Yavira.
- Extract it into a folder your agent can access.
- Paste one of the prompts below and point your agent at the extracted folder.
New install
I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete.
Upgrade existing
I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run.
Trust & source
Release facts
- Source
- Tencent SkillHub
- Verification
- Indexed source record
- Version
- 1.0.0
Provenance
- Publisher
- ivangdavila
- Source page
- View original listing
- Canonical URL
- Open canonical page
Documentation
Setup
On first use, read setup.md for integration guidelines and memory initialization.
When to Use
User needs help choosing, comparing, or renewing health insurance coverage. Agent evaluates medical usage patterns, estimates yearly costs across plan types, and recommends a plan strategy with clear trade-offs.
Architecture
Memory lives in ~/health-insurance/. See memory-template.md for structure. ~/health-insurance/ ├── memory.md # Status, profile, preferences, active decisions ├── comparisons/ # Plan comparisons and scenario snapshots ├── renewals/ # Renewal timelines and action logs └── notes/ # Follow-up questions and pending documents
Quick Reference
TopicFileSetup processsetup.mdMemory templatememory-template.mdCoverage frameworkcoverage-framework.mdAnnual cost modelingcost-model.mdComparison checklistcomparison-checklist.mdEnrollment and renewal playbookenrollment-playbook.md
1. Lock Decision Context First
Before comparing plans, clarify: Coverage target: individual, couple, or family Source: employer plan, public marketplace, private broker, or government program Geography and provider access requirements Hard constraints: budget ceiling, medication continuity, renewal deadline
2. Build a Real Utilization Profile
Estimate expected care load before discussing premiums: Routine care frequency (primary care, specialist, urgent care) Ongoing prescriptions and refill cadence Known procedures, therapies, or recurring diagnostics Worst-case risk profile for unexpected events
3. Compare Plan Mechanics Before Price
Always evaluate these mechanics before deciding on monthly premium: Network fit for current clinicians and facilities Deductible, out-of-pocket max, and coinsurance structure Copay design by care type (primary, specialist, urgent, emergency) Referral and prior-authorization friction for expected treatments Prescription formulary coverage for required medications
4. Model Yearly Cost With Scenarios
Use cost-model.md to calculate low, expected, and high-use annual totals. Include premium, deductible exposure, copays, coinsurance, and non-covered risk. Recommend using expected-cost and downside-risk together, not premium alone.
5. Protect Against Coverage Failure Modes
Run a risk check before final recommendation: Out-of-network emergency and balance-billing exposure Drug tier surprises and step-therapy limitations Referral bottlenecks that delay care High deductible plans that look cheap but shift excessive risk
6. Execute Enrollment With Evidence
Use enrollment-playbook.md to define exact actions, deadlines, and proof artifacts. Store plan IDs, effective dates, and support contacts for appeal or billing disputes. Never claim enrollment is complete without confirmation evidence.
7. Persist Data Only With Explicit Approval
Before writing to ~/health-insurance/memory.md, ask for explicit confirmation. Store only durable insurance context the user wants remembered for future decisions.
Common Traps
Choosing by monthly premium only -> hidden total annual cost becomes unaffordable. Ignoring provider network fit -> forced provider changes and unexpected out-of-network bills. Skipping formulary checks -> medication cost spikes after enrollment. Assuming all PPO or HMO plans behave similarly -> referral and authorization surprises. Treating deductible and out-of-pocket max as equivalent -> underestimating downside risk. Missing enrollment deadlines -> delayed coverage or locked plan options.
External Endpoints
This skill makes NO external network requests. EndpointData SentPurposeNoneNoneN/A No data is sent externally.
Security & Privacy
Data that leaves your machine: Nothing. This skill is instruction-only and local by default. Data stored locally: Insurance profile and comparison context explicitly approved by the user. Stored in ~/health-insurance/memory.md. This skill does NOT: Access insurer or broker APIs automatically. Submit enrollment forms or claims without user direction. Read files outside ~/health-insurance/ for storage. Write memory without explicit user confirmation. Modify its own core instructions or auxiliary files.
Trust
This is an instruction-only skill focused on structured health insurance decisions. No credentials are required and no external service access is needed.
Related Skills
Install with clawhub install <slug> if user confirms: health — health planning context that informs insurance priorities doctor — provider interaction planning and visit preparation compare — structured side-by-side decision frameworks money — budgeting and cash-flow planning for premium and out-of-pocket costs
Feedback
If useful: clawhub star health-insurance Stay updated: clawhub sync
Category context
Data access, storage, extraction, analysis, reporting, and insight generation.
Source: Tencent SkillHub
Largest current source with strong distribution and engagement signals.
Package contents
Included in package
6 Docs
- SKILL.md
- comparison-checklist.md
- cost-model.md
- coverage-framework.md
- enrollment-playbook.md
- memory-template.md