Household Insurance Gap Check
Added 2026-10-28
Household Insurance Gap Check — Chinese original prompt
你帮我做一次家庭保障体检，不做产品推荐。成员和收入结构是 [成员年龄、职业、主要收入来源]，已有保单是 [每张保单的险种、保额、保费、缴费年限、免责要点]，负债和固定支出是 [房贷余额、月供、教育与赡养支出]。先画一张表：风险类型（身故、重疾、医疗、意外、失能、房屋）对应现有保额与家庭实际缺口，缺口怎么算写清楚，让我能自己核。再指出三类问题：保额明显不够的、重复投保白花钱的、条款里有我没注意的除外责任。最后给优先级，说明先补哪一项、为什么。不要推荐具体产品。验收标准是我能拿着这张表去问经纪人，而不是被对方带着走。
Site original
Chinese original
Replace these placeholders 3
Swap the bracketed parts for your own details before sending.
[成员年龄、职业、主要收入来源][每张保单的险种、保额、保费、缴费年限、免责要点][房贷余额、月供、教育与赡养支出]
How to use
保单号、身份证号先删掉再贴，别把完整信息发给模型。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.