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猝死与意外险免责：识别、应对与要点。实操指南。
yiwai-jupei-cusi is an agent skill entry in ChatHome Skills, sourced from GitHub Skill Search and scored 51/100. 意外险拒赔：猝死与免责条款。 ## 猝死为什么多不赔 1. 意外定义四要素：外来的/突发的/非本意的/**非疾病**——猝死本质是疾病（心源性）→普通意外险免责 2. 破解：买**含猝死责任**的意外险（加几十元，赔身故保额的30-50%） ## 其他高频拒赔 1. **酒驾/无证驾驶**：免责铁律（车险同） 2. 高. As an agent skill, it packages a reusable instruction set that AI coding agents such as Codex and Claude Code can load to perform this task without hand-written glue code. ChatHome Skills discovered this entry through its daily ingest of official registries and GitHub discovery queries, and re-verifies repository facts, freshness signals, and install metadata on every run. The quality score weighs official-registry presence, a working install command, license clarity, GitHub star trajectory, and repository freshness — the full formula is on the Sources page. The install command above is ready to copy. Review the last-pushed date and repository status before adding yiwai-jupei-cusi to a production agent workflow; the snapshot facts below are point-in-time values from the most recent ingest.
codex skill install yemugua/agent-skillsReview the upstream source before running this command.
Scan coverage: Install metadata and the indexed document body.
Automated signals from install metadata and a bounded skill body — not a full code security audit and not a recursive source or dependency review.
意外险拒赔：猝死与免责条款。 ## 猝死为什么多不赔 1. 意外定义四要素：外来的/突发的/非本意的/**非疾病**——猝死本质是疾病（心源性）→普通意外险免责 2. 破解：买**含猝死责任**的意外险（加几十元，赔身故保额的30-50%） ## 其他高频拒赔 1. **酒驾/无证驾驶**：免责铁律（车险同） 2. 高风险运动（潜水/攀岩/马拉松）未选专项保