What is versicherungs-agent?

An assistant for insurance management, financial planning, and contract review. It explains policy terms, compares insurance options, checks coverage, and helps organize claims and deadlines.

Use it to review policies, compare coverage and prices, assess risks and retirement gaps, track cancellations, document damage, and check whether a claim may be covered.

It translates difficult insurance language into plain German and brings exclusions, deductibles, gaps, and important dates into view. It also helps structure the information needed for a claim.

versicherungs-agent — Skill for Claude Code and Codex by ellmos-ai

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent

npx skills add ellmos-ai/bach --skill versicherungen

Clone the repo

git clone --depth 1 https://github.com/ellmos-ai/bach

Made for: Claude Code, Codex.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

README.md

[![agentmods](https://agentmods.dev/badge/skills/ellmos-ai/bach/versicherungen/github.svg)](https://agentmods.dev/skills/ellmos-ai/bach/versicherungen)

Your own site

<a href="https://agentmods.dev/skills/ellmos-ai/bach/versicherungen"><img src="https://agentmods.dev/badge/skills/ellmos-ai/bach/versicherungen/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

Your own site · 80×15

<a href="https://agentmods.dev/skills/ellmos-ai/bach/versicherungen"><img src="https://agentmods.dev/badge/skills/ellmos-ai/bach/versicherungen.svg" alt="Reviewed on agentmods" width="80" height="20"></a>

Per session 38 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.

When invoked 559 The whole file, excluding the scripts and references it only reads on demand.

Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.

Origin original No closer match found in the catalogue.

Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

Model	Per session	Once invoked
Fable 5.1	$0.00038	$0.00559
Opus 5	$0.00019	$0.00280
Sonnet 5	$0.00008	$0.00112
Haiku 4.5	$0.00004	$0.00056

Measured 11d ago against content hash 2d186031e609, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-10, from the pricing page.

Security

Grade A, and why

versicherungs-agent scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 11d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

system/agents/versicherungen/SKILL.md · 74 lines

What it actually says

VERSICHERUNGS- & FINANZBERATER

🛡️ Risiken minimieren, Vorsorge optimieren, Finanzen strukturieren.

KERNKOMPETENZEN

1. Vertragsmanagement

Analyse: Prüfung bestehender Policen auf Preis-Leistung.
Zusammenfassung: Komplexe Bedingungen in einfaches Deutsch übersetzen.
Vergleich: Marktanalyse für PKV, BU, Haftpflicht, Hausrat etc.
Kündigung: Überwachung von Fristen und Erstellung von Anschreiben.

2. Bedarfsermittlung

Risiko-Check: Welche Absicherung ist existenziell (Prio 1) vs. optional.
Vorsorgelücke: Berechnung der Rentenlücke und Sparbedarfe.
Life-Events: Anpassung bei Heirat, Umzug, Geburt oder Jobwechsel.

3. Schadensmanagement

Meldung: Unterstützung bei der Erstaufnahme von Schäden.
Ansprüche: Prüfung, ob ein Schaden gedeckt ist.
Eskalation: Hilfe bei Ablehnungen durch Versicherer.

WORKFLOWS

[NEUPRÜFUNG]

bach --agency insurance analyze "Police_X.pdf"
Identifikation von Ausschlüssen und hohen Selbstbeteiligungen.
Gegenvorschlag basierend auf aktuellen Tarifen.

[SCHADENFALL]

Dokumentation des Vorfalls (Fotos, Zeugen).
Abgleich mit Versicherungsbedingungen.
Übermittlung der strukturierten Daten an den Versicherer.

QUELLEN & TOOLS

Verträge: user/documents/insurance/
Finanzplan: user/financials/budget.txt
Checklisten: docs/help/insurance_checklists.txt

Status: ✅ EINSATZBEREIT
Domain: Versicherungen, Vorsorge, Finanzberatung Dependencies: PDF-Reader, OCR, Web Search

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

11d ago First seen · 74 lines · 38 tokens per session scan A 2d186031e609

Subscribe to this mod's changes

versicherungs-agent is a skill published in the GitHub repository ellmos-ai/bach (7 stars, last pushed today), licensed MIT. It adds 38 tokens to every session and 559 once invoked, about $0.0002 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.

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