insurance-advisor

What problem does it solve?

This Skill helps Thai individuals and families quickly assess their insurance needs and compare policy options to close protection gaps without having to manually research product details across multiple insurers. It turns fragmented information about life, health, auto, property, travel, and personal accident insurance into a structured recommendation and estimated premium plan.

Core Features & Use Cases

• DIME-based life coverage calculation: compute recommended sum insured using Debt, Income, Mortgage, and Education inputs.
• Health plan guidance: compare IPD/OPD, critical illness and maternity coverage and suggest appropriate sum insured and deductible trade-offs.
• Auto / Property / Travel recommendations: recommend car policy tiers (1, 2+, 3+), flood/fire coverage, and travel minimums (Schengen, US).
• Full insurance audit & output templates: generate a Markdown audit report using a dated filename template, checklist, gap analysis, and prioritized action plan.
• Use case: a working parent can request a full audit for a family of four to receive DIME calculations, health cover sizing, car recommendations, and an action plan to align premiums with budget and tax benefits.

Quick Start

Start by sending a one-line scenario describing age, family, income, debts, and existing policies (for example: /insurance-advisor full audit family 4 age 38 income 2400000 THB).