01Build the policy inventory找齐已有保单
Start with real policy files and official links. Screenshots only help rebuild the inventory.优先导入真实保单和官方链接;截图只用于重建清单,再逐份补齐合同。
SkyInsure organizes your policies, reads the clauses that matter and turns health and care preferences into a coverage plan — with evidence instead of sales copy.天序保帮你找齐保单、读懂医疗险条款,再结合健康与就医情况梳理保障缺口。重要判断尽量引用合同原文,而不是用营销话术补齐。


The product is not a generic insurance chat. It is a workflow that separates discovered information, verified contracts, user facts and the final explanation.它不是一个泛泛回答保险问题的聊天框,而是一套把“发现的信息、核验后的合同、用户事实和最终解释”分开的工作流。
01Start with real policy files and official links. Screenshots only help rebuild the inventory.优先导入真实保单和官方链接;截图只用于重建清单,再逐份补齐合同。
02Waiting periods, deductibles, hospitals, medicines and exclusions are extracted with page references.等待期、免赔额、医院、药品和除外责任,都保留页码与原文依据。
03Family, affordability, care preferences and health history become structured coverage questions.不要求用户先懂保险,从家庭、承受力、就医偏好和健康时间线开始判断。
The general medical deductible is RMB 10,000 per policy year.一般医疗保险金年度免赔额为人民币 10,000 元。
The user wants support for smaller inpatient expenses.用户希望小额住院费用也能获得一定保障。
Confirm whether employer supplemental medical cover already fills this gap.继续确认单位补充医疗是否已经覆盖这一缺口。
The current product is under active development for iOS and Android. Web and HarmonyOS versions are not yet scheduled.当前正在开发 iOS 与 Android 移动端;Web 和鸿蒙版本尚未进入正式排期。
SkyInsure has not been published to an app marketplace. Test access is provided directly during development. This page is the product's official introduction and release-status page.天序保尚未上架应用市场,开发期间通过测试版本提供体验。本页面为产品官方介绍、平台支持与发布状态页面。
support@glomy.coolPrivacy principle: identity, policy and medical records are sensitive data. The production design follows minimum collection, explicit consent and purpose-limited processing. SkyInsure provides decision support, not underwriting or claim guarantees.隐私原则:身份、保单与病历属于敏感数据。正式版本遵循最小收集、明确授权和限定用途;天序保提供辅助分析,不作承保或理赔保证。