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.
npx skills add skills-il/tax-and-finance --skill israeli-insurance-duplication-checkergit clone --depth 1 https://github.com/skills-il/tax-and-financeWrote 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.
[](https://agentmods.dev/skills/skills-il/tax-and-finance/israeli-insurance-duplication-checker)<a href="https://agentmods.dev/skills/skills-il/tax-and-finance/israeli-insurance-duplication-checker"><img src="https://agentmods.dev/badge/skills/skills-il/tax-and-finance/israeli-insurance-duplication-checker/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.
<a href="https://agentmods.dev/skills/skills-il/tax-and-finance/israeli-insurance-duplication-checker"><img src="https://agentmods.dev/badge/skills/skills-il/tax-and-finance/israeli-insurance-duplication-checker.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
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 | $0.00214 | $0.07482 |
| Opus 5.5 | $0.00086 | $0.02993 |
| Sonnet 5.5 | $0.00043 | $0.01496 |
| Haiku 4.5 | $0.00021 | $0.00748 |
Grade A, and why
israeli-insurance-duplication-checker 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 1mo 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.
How it starts
The opening of the file, as written. The whole thing — 211 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Israeli Insurance Duplication Checker
Legal notice
This skill is a free information tool operated by an AI model. It is not insurance advice (ייעוץ ביטוחי), insurance marketing (שיווק ביטוחי), pension advice (ייעוץ פנסיוני) or pension marketing (שיווק פנסיוני), and no licensed agent, advisor or marketer is involved. It maps cover the user already holds, explains the statutory rules that decide whether two policies pay twice, and helps the user spot overlaps; whether to keep, cut or cancel anything is the user's own decision. It does not recommend buying a product, and what it says about cover inside a pension fund or ביטוח מנהלים is not a personal recommendation about any pension product. An AI model may err, omit data or reach a wrong conclusion. It "אינו מהווה תחליף לייעוץ המתחשב בנתונים ובצרכים המיוחדים של כל אדם", and relying on it is the user's sole responsibility. Nothing here is legal advice. Cancelling underwritten cover is irreversible in practice: confirm with the insurer, the fund or a licensed agent or advisor, and never cancel before replacement cover is active.
Problem
Israelis routinely pay for the same cover in three or four places: a שב"ן plan plus a private health policy, an employer group policy over both, a service subscription that is also a home-policy rider and a card benefit. About 37% of the statutorily insured public, roughly 3.4 million people, hold commercial health cover alongside שב"ן, and the State Comptroller puts the overpayment at a floor of hundreds of millions of shekels a year. הר הביטוח holds no שב"ן data, so the official tool structurally cannot see the country's commonest overlap. And some of what looks like duplication is not waste: cancelling it destroys cover the user can never buy back.
The three-tier test (apply this before anything else)
Israeli law sorts insurance by PAYMENT MECHANISM, not by subject matter, and getting it wrong is the single biggest failure mode. Do not reason from "these two policies both mention surgery"; reason from how each pays.
What ships with it
13 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
- evidence.json 64 KB
- metadata.json 1.3 KB
- optimization-log.json 12 KB
- references/cancellation-letter-he.md 3.0 KB
- references/claims-and-escalation.md 2.4 KB
- references/domain-checklist.md 7.9 KB
- references/line-by-line-detail-he.md 11 KB
- references/line-by-line-detail.md 25 KB
- references/reference-links-he.md 3.6 KB
- references/reference-links.md 2.9 KB
- references/worked-examples-he.md 11 KB
- references/worked-examples.md 8.2 KB
- SKILL_HE.md 56 KB
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.
- 1mo ago Changed · -6 lines · +4 tokens per session f09df98058e6
- 1mo ago Changed · +1 lines 30e72f7fefc3
- 1mo ago First seen · 216 lines · 210 tokens per session scan A f8fe6be19440
israeli-insurance-duplication-checker is a skill published in the GitHub repository skills-il/tax-and-finance (38 stars, last pushed yesterday), licensed MIT. It adds 214 tokens to every session and 7,482 once invoked, about $0.0009 per session on Opus 5.5. 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 2026-08-30.
Other skills, from other repositories
sector-rotation
An analysis framework for comparing industries in the Chinese A-share stock market, using business conditions, price momentum, valuation, and money flows. It produces rankings and higher- or lower-allocation suggestions.
twitter-reader
Read Twitter/X for financial research through opencli: the user's home timeline, tweet search, trending topics, bookmarks, a user's recent tweets, threads, articles, profiles, followers and following, and notifications. Use this skill whenever the user wants to know what people are saying on Twitter/X or fintwit about…
strategy-pivot-designer
Detect backtest iteration stagnation and generate structurally different strategy pivot proposals when parameter tuning reaches a local optimum.
energy-procurement
Codified expertise for electricity and gas procurement, tariff optimization, demand charge management, renewable PPA evaluation, and multi-facility energy cost management. Informed by energy procurement managers with 15+ years experience at large commercial and industrial consumers. Includes market structure analysis…
airdrop-hunting-guide
Guide to finding and qualifying for crypto airdrops — eligibility criteria, farming strategies, on-chain activity requirements, Sybil detection avoidance, and tracking tools. Use when helping users understand airdrops, check eligibility, or plan participation strategies.
recipe-daily-pnl-report
Generate a daily profit and loss summary from trades and balances.