finyx-insurance

Route the user's insurance question to the appropriate sub-skill advisor. This skill: 1. Detects the insurance type from user input or asks when ambiguous 2. Loads and executes the matched sub-skill from ${CLAUDE_SKILL_DIR}/sub-skills/ 3. Preserves the /finyx:insurance entry point for all insurance types

<execution_context> ${CLAUDE_SKILL_DIR}/references/disclaimer.md @.finyx/profile.json

</execution_context>

Phase 0: Type Detection

Inspect $ARGUMENTS (the user's input after /finyx:insurance).

Keyword map (case-insensitive match against user input):

• "health", "kranken", "pkv", "gkv", "krankenversicherung" → sub-skill: health
• "haftpflicht", "liability", "privathaftpflicht", "haftpflichtversicherung" → sub-skill: haftpflicht
• "hausrat", "household", "contents", "hausratversicherung" → sub-skill: hausrat
• "kfz", "car", "auto", "kfz-versicherung", "autoversicherung", "kasko" → sub-skill: kfz
• "rechtsschutz", "legal", "rechtsschutzversicherung" → sub-skill: rechtsschutz
• "zahnzusatz", "dental", "zahn", "zahnzusatzversicherung" → sub-skill: zahnzusatz
• "risikoleben", "life", "term life", "risikolebensversicherung" → sub-skill: risikoleben
• "reise", "travel", "reiseversicherung" → sub-skill: reise
• "fahrrad", "bicycle", "bike", "fahrradversicherung" → sub-skill: fahrrad
• "kfz-schutzbrief", "schutzbrief", "roadside", "schutzbriefversicherung" → sub-skill: kfz-schutzbrief
• "mietkaution", "rental deposit", "kaution", "mietkautionsversicherung" → sub-skill: mietkaution
• "doc", "pdf", "document", "reader", "dokument", "police", "unterlagen" → sub-skill: doc-reader
• "portfolio", "overview", "summary", "all policies", "alle versicherungen", "uebersicht" -> sub-skill: portfolio

If matched: set sub_skill_type to the matched value and proceed to Phase 1.

If not matched (no input or unrecognized type): Use AskUserQuestion with singleSelect: "Which insurance type would you like advice on?"

• Portfolio overview (all policies, gaps, overlaps, adequacy summary)
• Health insurance (Krankenversicherung — GKV vs PKV)
• Liability insurance (Haftpflichtversicherung — personal liability)
• Household contents insurance (Hausratversicherung — contents protection)
• Car insurance (Kfz-Versicherung — liability, partial or comprehensive)
• Legal protection insurance (Rechtsschutzversicherung — legal cost coverage)
• Dental supplemental insurance (Zahnzusatzversicherung — dental top-up)
• Term life insurance (Risikolebensversicherung — death benefit for dependents)
• Travel insurance (Reiseversicherung — health, cancellation, luggage)
• Bicycle insurance (Fahrradversicherung — theft and damage)
• Roadside assistance (Kfz-Schutzbriefversicherung — breakdown and towing)
• Rental deposit insurance (Mietkautionsversicherung — deposit replacement)
• Document reader (parse PDF policy documents into your profile)

Map the answer:

• "Portfolio overview (all policies, gaps, overlaps, adequacy summary)" -> sub_skill_type = "portfolio"
• "Health insurance (Krankenversicherung — GKV vs PKV)" → sub_skill_type = "health"
• "Liability insurance (Haftpflichtversicherung — personal liability)" → sub_skill_type = "haftpflicht"
• "Household contents insurance (Hausratversicherung — contents protection)" → sub_skill_type = "hausrat"
• "Car insurance (Kfz-Versicherung — liability, partial or comprehensive)" → sub_skill_type = "kfz"
• "Legal protection insurance (Rechtsschutzversicherung — legal cost coverage)" → sub_skill_type = "rechtsschutz"
• "Dental supplemental insurance (Zahnzusatzversicherung — dental top-up)" → sub_skill_type = "zahnzusatz"
• "Term life insurance (Risikolebensversicherung — death benefit for dependents)" → sub_skill_type = "risikoleben"
• "Travel insurance (Reiseversicherung — health, cancellation, luggage)" → sub_skill_type = "reise"
• "Bicycle insurance (Fahrradversicherung — theft and damage)" → sub_skill_type = "fahrrad"
• "Roadside assistance (Kfz-Schutzbriefversicherung — breakdown and towing)" → sub_skill_type = "kfz-schutzbrief"
• "Rental deposit insurance (Mietkautionsversicherung — deposit replacement)" → sub_skill_type = "mietkaution"
• "Document reader (parse PDF policy documents into your profile)" → sub_skill_type = "doc-reader"

Phase 1: Sub-skill Dispatch

Read ${CLAUDE_SKILL_DIR}/sub-skills/${sub_skill_type}.md.

Follow all instructions in the loaded file from its Phase 0 onward.

<error_handling>

Unknown insurance type (sub-skill file not found):

ERROR: No sub-skill found for type "[sub_skill_type]".
Currently available insurance types:
  - health          (Krankenversicherung — GKV vs PKV)
  - haftpflicht     (Haftpflichtversicherung — personal liability)
  - hausrat         (Hausratversicherung — household contents)
  - kfz             (Kfz-Versicherung — car insurance)
  - rechtsschutz    (Rechtsschutzversicherung — legal protection)
  - zahnzusatz      (Zahnzusatzversicherung — dental supplement)
  - risikoleben     (Risikolebensversicherung — term life)
  - reise           (Reiseversicherung — travel insurance)
  - fahrrad         (Fahrradversicherung — bicycle insurance)
  - kfz-schutzbrief (Kfz-Schutzbriefversicherung — roadside assistance)
  - mietkaution     (Mietkautionsversicherung — rental deposit)
  - portfolio        (Portfolio -- all policies, gaps, overlaps, cost summary)
  - doc-reader    (Document reader -- parse PDF policy documents)

Run /finyx:insurance [type]  (or use the type selection menu)

No profile found:

ERROR: No financial profile found.
Run /finyx:profile first to complete your financial profile, then retry.

</error_handling>

Router Scope

This SKILL.md is a pure dispatcher — it contains NO insurance-type-specific logic. All advisory content lives in sub-skill files under ${CLAUDE_SKILL_DIR}/sub-skills/.

Tool Permissions

The allowed-tools list is the union of all tools required by any sub-skill. Tool permissions are set at skill load time (YAML frontmatter), so the router must declare every tool any sub-skill may use. Current sub-skill tool requirements:

• health.md: Read, Bash, Write, Task, AskUserQuestion, WebSearch, WebFetch
• portfolio.md: Read, Task, AskUserQuestion, Write

Sub-skills for other types will be added in Phases 21-22. When adding new sub-skills in future phases, verify their tool requirements and expand allowed-tools if needed.

Sub-skill File Contract

Sub-skill files (e.g., sub-skills/health.md) must:

• Be plain Markdown — NO YAML frontmatter (sub-skills are not registered commands)
• NOT include an <execution_context> block (the router's execution_context already loads disclaimer.md and profile.json)
• Start with a # [Type] Insurance Sub-skill heading
• Contain their own <objective>, <process>, <error_handling>, and <notes> sections
• Use ${CLAUDE_SKILL_DIR} for all reference and agent path references (resolves to skills/insurance/)