WhyLingxi 保险顾问 Insurance Advisor

{
  "type": "object",
  "required": [
    "question"
  ],
  "properties": {
    "question": {
      "type": "string",
      "description": "问题"
    },
    "product_id": {
      "type": "integer",
      "description": "（可选）针对某款产品的问题"
    },
    "synthesize": {
      "type": "boolean",
      "description": "是否调LLM整合答案（默认false，纯检索模式更快）"
    }
  }
}

{
  "type": "object",
  "required": [
    "message"
  ],
  "properties": {
    "message": {
      "type": "string",
      "description": "用户消息"
    },
    "session_id": {
      "type": "string",
      "description": "会话ID，传入可保持多轮对话上下文"
    }
  }
}

{
  "type": "object",
  "required": [
    "health_conditions"
  ],
  "properties": {
    "age": {
      "type": "integer",
      "description": "年龄（影响可选产品范围）"
    },
    "category": {
      "type": "string",
      "description": "想投保的险种（不传则评估医疗+重疾+意外+定寿）"
    },
    "product_ids": {
      "type": "array",
      "items": {
        "type": "integer"
      },
      "description": "指定产品ID列表（不传则自动选取各险种Top产品评估）"
    },
    "health_conditions": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "健康状况列表，如[\"高血压2级\",\"甲状腺结节3类\",\"乙肝小三阳\"]"
    }
  }
}

{
  "type": "object",
  "required": [
    "product_ids"
  ],
  "properties": {
    "age": {
      "type": "integer",
      "description": "用于查询精确保费的年龄"
    },
    "gender": {
      "enum": [
        "男",
        "女"
      ],
      "type": "string",
      "description": "用于查询精确保费的性别"
    },
    "product_ids": {
      "type": "array",
      "items": {
        "type": "integer"
      },
      "description": "产品ID列表（2-5个）"
    }
  }
}

{
  "type": "object",
  "required": [
    "age",
    "product_id"
  ],
  "properties": {
    "age": {
      "type": "integer",
      "description": "年龄"
    },
    "gender": {
      "enum": [
        "男",
        "女"
      ],
      "type": "string"
    },
    "product_id": {
      "type": "integer",
      "description": "产品ID"
    }
  }
}

{
  "type": "object",
  "required": [
    "product_id"
  ],
  "properties": {
    "compact": {
      "type": "boolean",
      "default": false,
      "description": "精简模式：只返回核心字段+coverage前8项摘要，省略条款/FAQ详情"
    },
    "product_id": {
      "type": "integer",
      "description": "产品ID"
    }
  }
}

{
  "type": "object",
  "properties": {
    "capability": {
      "enum": [
        "recommend",
        "search",
        "compare",
        "premium",
        "underwriting"
      ],
      "type": "string",
      "description": "想了解哪个能力，不传则返回全部"
    }
  }
}

{
  "type": "object",
  "required": [
    "age"
  ],
  "properties": {
    "age": {
      "type": "integer",
      "description": "年龄（必填）"
    },
    "needs": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "需求列表，如[\"重疾保障\",\"医疗报销\",\"意外防护\"]"
    },
    "budget": {
      "type": "number",
      "description": "年预算（元）"
    },
    "gender": {
      "enum": [
        "男",
        "女"
      ],
      "type": "string"
    },
    "family_role": {
      "enum": [
        "本人",
        "配偶",
        "孩子",
        "父母"
      ],
      "type": "string",
      "description": "被保人角色"
    },
    "occupation_class": {
      "type": "integer",
      "description": "职业类别(1-6类)"
    },
    "existing_coverage": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "已有保障，如[\"百万医疗\",\"意外险\"]"
    },
    "health_conditions": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "既往症，如[\"高血压2级\",\"甲状腺结节\"]"
    },
    "include_reasoning": {
      "type": "boolean",
      "description": "是否生成LLM推荐理由（默认false，Agent调用无需开启；设true适用于直接面向人类展示）"
    },
    "has_social_security": {
      "type": "boolean",
      "description": "是否有社保"
    }
  }
}

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer",
      "description": "被保险人年龄"
    },
    "limit": {
      "type": "integer",
      "description": "最多返回条数，默认10"
    },
    "budget": {
      "type": "number",
      "description": "年预算上限（元）"
    },
    "keyword": {
      "type": "string",
      "description": "产品名或保险公司关键词"
    },
    "category": {
      "type": "string",
      "description": "险种：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"
    }
  }
}