{"available_capabilities":["recommend","search","compare","premium","underwriting"],"schemas":{"recommend":{"description":"推荐保险方案。有health_conditions时自动核保标注每款产品可投保性。","fields":{"age":{"required":true,"impact":"决定产品范围和保费"},"health_conditions":{"priority":"medium","impact":"触发核保预判(accept/conditional/decline)","default":"假设标准体"},"budget":{"priority":"medium","impact":"过滤超预算产品","default":"不限"},"has_social_security":{"priority":"medium","impact":"医疗险版本选择","default":true},"gender":{"priority":"low","impact":"保费精度±10-30%"},"needs":{"priority":"low","impact":"限定险种范围","default":"全险种","enum":["重疾保障","医疗报销","意外防护","身故保障","养老储蓄"]},"family_role":{"priority":"low","enum":["本人","配偶","孩子","父母"]},"occupation_class":{"priority":"low","impact":"意外险可投保性(5-6类受限)"},"include_reasoning":{"default":false,"note":"设true时调LLM生成推荐理由,增加2-4s延迟"}},"returns":{"confidence":"high/medium/low — 基于已收集信息的完整度","input_echo":"{age, gender, budget, needs, ...} — 回显实际接收到的参数","assumptions":"[string] — 基于缺失信息做出的假设列表","recommendations":"[{category, covered, trimmed, products:[{id, name, insurer, premium(元/年), premium_period(\"yearly\"), price_type(\"exact\"|\"starting_from\"), coverage_amount, pay_period(缴费期/保障期), plan_name, source_url, underwriting}]}]","total_premium_estimate":"number|null — 推荐方案年度总保费，单位元/年（已排除trimmed/covered的，月缴产品已换算为年缴）","gap_analysis":"{existing, gaps, covered, note} — 仅传existing_coverage时返回","missing_fields":"[{field, priority, reason, improvement}] — 可选补充的字段","next_questions":"[{field, question}] — Agent可用于向用户追问","_meta.data_last_updated":"产品数据最后更新日期","_meta.disclaimer":"合规免责声明"},"notes":"premium是该age的精确保费(price_type=exact)或全局最低价(starting_from)。products按性价比排序，首选为最优性价比产品。向用户展示时务必注明coverage_amount(保额)和pay_period(缴费期/保障期)等配置信息，让用户了解报价对应的具体方案。"},"search":{"description":"按条件搜索产品列表。适用于用户想浏览或指定了关键词时。","fields":{"category":{"priority":"high","enum":["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"]},"keyword":{"priority":"high","note":"产品名或保险公司名"},"age":{"priority":"medium","impact":"过滤不适合该年龄的产品"},"budget":{"priority":"low","impact":"过滤超预算"},"limit":{"default":10}},"returns":{"count":"number","products":"[{id, name, category, insurer, premium_annual(元/年), premium_period(\"yearly\"), price_type(\"age_specific\"|\"starting_from\"), premium_min_global(仅age_specific时出现), highlights, source_url}]"},"notes":"当传入age时，premium_annual为该年龄的精确保费(price_type=age_specific)；未传age时为全局最低价(starting_from)。multi-token keyword用空格分隔，各token AND匹配。"},"compare":{"description":"对比2-5款产品。用户说\"对比A和B\"时调用。","fields":{"product_ids":{"required":true,"note":"从search/recommend结果中获取的产品ID"},"age":{"impact":"查询精确保费"},"gender":{"impact":"查询精确保费"}},"returns":{"products":"[{id, name, insurer, coverage, premiums:[{gender, premium, premium_period(\"yearly\"), plan, coverage_amount, pay_period}], data_quality_note, highlights, source_url}]"}},"premium":{"description":"查询精确保费。用户问\"XX产品多少钱\"时调用。","fields":{"product_id":{"required":true},"age":{"required":true,"impact":"保费随年龄变化"},"gender":{"impact":"部分产品男女保费差10-30%"}},"returns":{"premiums":"[{gender, premium, premium_period(\"yearly\"), plan, coverage_amount, pay_period}]","data_quality_note":"string|null — 数据异常时的提示"}},"underwriting":{"description":"独立核保预判。通常不需要单独调用——recommend已自动集成。仅在用户只问\"我这病能不能买保险\"而不需要推荐方案时使用。","fields":{"health_conditions":{"required":true,"example":["高血压2级","甲状腺结节3类","乙肝小三阳"]},"age":{"priority":"medium"},"category":{"priority":"low","note":"不传则评估医疗+重疾+意外+定寿"},"product_ids":{"priority":"low","note":"指定产品评估，不传则自动选Top产品"}},"returns":{"acceptable":"可正常投保","conditional":"可投保但有条件(加费/除外)","declined":"大概率拒保","general_advice":"综合建议"},"note":"预判仅供参考，最终以保险公司实际核保为准"}}}