{
  "name": "保险顾问Agent",
  "description": "专业AI保险顾问，覆盖65家保险公司483款在售产品（医疗险、重疾险、意外险、定期寿险、终身寿险、年金险、旅游险、团险8大险种）。支持任务级Agent协作（面向GPT/Claude等AI Agent委托保险规划）和工具级调用两种模式。",
  "url": "https://whylingxi.cn/a2a",
  "version": "4.0.0",
  "protocolVersion": "0.2.1",
  "provider": {
    "organization": "WhyLingxi",
    "url": "https://whylingxi.cn"
  },
  "documentationUrl": "https://whylingxi.cn/docs",
  "capabilities": {
    "streaming": false,
    "pushNotifications": false,
    "stateTransitionHistory": true,
    "multiTurn": true
  },
  "supportedInterfaces": {
    "a2a": {
      "url": "https://whylingxi.cn/a2a",
      "protocolVersion": "0.2.1",
      "binding": "json-rpc",
      "methods": [
        "tasks/send",
        "tasks/get",
        "tasks/cancel"
      ]
    },
    "mcp": {
      "url": "https://whylingxi.cn/mcp",
      "protocolVersion": "2025-03-26",
      "transport": "streamable-http"
    },
    "openai": {
      "url": "https://whylingxi.cn/v1/chat/completions",
      "compatibility": "chat-completions-v1"
    }
  },
  "defaultInputModes": [
    "text/plain",
    "application/json"
  ],
  "defaultOutputModes": [
    "text/plain",
    "application/json"
  ],
  "skills": [
    {
      "id": "plan_insurance_case",
      "name": "保险方案规划",
      "description": "根据用户画像自主规划完整保险方案。自动判断信息是否充分，不足时返回input-required并给出next_questions；充分时内部编排搜索/推荐/保费/核保等工具，输出结构化保险方案（含假设、风险、保费依据）。",
      "tags": [
        "insurance",
        "planning",
        "autonomous"
      ],
      "examples": [
        "30岁男，年预算5000，有社保，帮我规划保险",
        "给5岁女孩买保险，预算3000，已有学平险"
      ],
      "inputSchema": {
        "type": "object",
        "properties": {
          "age": {
            "type": "number",
            "description": "被保人年龄（必填）"
          },
          "gender": {
            "type": "string",
            "enum": [
              "男",
              "女"
            ]
          },
          "budget": {
            "type": "number",
            "description": "年保费预算（元）"
          },
          "needs": {
            "type": "array",
            "items": {
              "type": "string"
            },
            "description": "保障需求，如[\"重疾保障\",\"医疗报销\"]"
          },
          "family_role": {
            "type": "string",
            "enum": [
              "本人",
              "配偶",
              "孩子",
              "父母"
            ]
          },
          "health_conditions": {
            "type": "array",
            "items": {
              "type": "string"
            },
            "description": "健康状况告知"
          },
          "has_social_security": {
            "type": "boolean"
          },
          "existing_coverage": {
            "type": "array",
            "items": {
              "type": "string"
            },
            "description": "已有保障"
          },
          "occupation_class": {
            "type": "string",
            "description": "职业类别1-6类"
          }
        },
        "required": [
          "age"
        ]
      }
    },
    {
      "id": "revise_insurance_plan",
      "name": "修改保险方案",
      "description": "基于已有方案进行调整：改预算、改需求、排除/替换产品、补充健康信息后重新规划。需在同一task中先有plan_insurance_case的结果。",
      "tags": [
        "insurance",
        "planning",
        "revision"
      ],
      "examples": [
        "预算降到3000重新规划",
        "把意外险换成XX产品",
        "补充：有甲状腺结节，重新评估"
      ],
      "inputSchema": {
        "type": "object",
        "properties": {
          "adjust_budget": {
            "type": "number",
            "description": "新预算"
          },
          "adjust_needs": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "add_health_conditions": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "exclude_products": {
            "type": "array",
            "items": {
              "type": "number"
            },
            "description": "排除的产品ID"
          },
          "prefer_insurers": {
            "type": "array",
            "items": {
              "type": "string"
            },
            "description": "偏好保险公司"
          },
          "replace_category": {
            "type": "string",
            "description": "需要替换/增加的险种"
          },
          "reason": {
            "type": "string",
            "description": "修改原因"
          }
        }
      }
    },
    {
      "id": "underwriting_triage",
      "name": "核保预判分流",
      "description": "根据健康状况评估哪些产品可投保、哪些会加费/除外、哪些拒保。对被拒产品自动搜索替代方案。",
      "tags": [
        "insurance",
        "underwriting",
        "health"
      ],
      "examples": [
        "高血压2级+甲状腺结节，能买什么保险",
        "乙肝小三阳能买重疾险吗"
      ],
      "inputSchema": {
        "type": "object",
        "properties": {
          "health_conditions": {
            "type": "array",
            "items": {
              "type": "string"
            },
            "description": "健康状况列表（必填）"
          },
          "age": {
            "type": "number"
          },
          "category": {
            "type": "string",
            "description": "限定险种"
          },
          "product_ids": {
            "type": "array",
            "items": {
              "type": "number"
            },
            "description": "指定评估的产品ID"
          }
        },
        "required": [
          "health_conditions"
        ]
      }
    },
    {
      "id": "compare_options",
      "name": "产品对比决策",
      "description": "对比2-5款产品全维度信息，输出结构化对比表+LLM生成的对比结论。",
      "tags": [
        "insurance",
        "compare"
      ],
      "examples": [
        "对比产品ID 1,2,3",
        "30岁男对比金医保3号和长相安"
      ],
      "inputSchema": {
        "type": "object",
        "properties": {
          "product_ids": {
            "type": "array",
            "items": {
              "type": "number"
            },
            "description": "产品ID列表（至少2个）"
          },
          "age": {
            "type": "number"
          },
          "gender": {
            "type": "string"
          },
          "include_summary": {
            "type": "boolean",
            "default": true
          }
        },
        "required": [
          "product_ids"
        ]
      }
    },
    {
      "id": "search",
      "name": "产品搜索",
      "description": "按险种/年龄/预算/关键词搜索，返回结构化列表（工具级）",
      "tags": [
        "insurance",
        "search",
        "tool"
      ]
    },
    {
      "id": "detail",
      "name": "产品详情",
      "description": "获取单产品完整结构化信息（工具级）",
      "tags": [
        "insurance",
        "detail",
        "tool"
      ]
    },
    {
      "id": "premium",
      "name": "保费查询",
      "description": "查询精确保费数据（工具级）",
      "tags": [
        "insurance",
        "premium",
        "tool"
      ]
    },
    {
      "id": "qa",
      "name": "知识问答",
      "description": "保险知识检索+可选LLM整合答案（工具级）",
      "tags": [
        "insurance",
        "knowledge",
        "tool"
      ]
    },
    {
      "id": "schema",
      "name": "能力发现",
      "description": "获取各工具的schema声明（工具级）",
      "tags": [
        "meta",
        "schema",
        "tool"
      ]
    }
  ]
}