Policy review
Skill Zerif007/Claude_Legal-Bangladesh_Edition/bd-insurance-legal/skills/policy-review
Reviews insurance policy wordings, proposals and endorsements against the Insurance Act 2010 and IDRA directives — mandatory clause content, premium/solvency touchpoints, exclusion enforceability, claims-condition traps. Use for "review this policy", "is this exclusion enforceable", "draft an endorsement".From its SKILL.md
npx -y skills add Zerif007/Claude_Legal-Bangladesh_Edition --skill policy-reviewAssembled from the repository path, not quoted from the project. Check it against their README if it does not work.
One thing to look at
- 0 stars0 stars. Stars are a popularity signal and not a quality one, but at this level it is likely that nobody has read this closely except its author, and you would be relying on your own review.
SKILL.md
2.1 KB, 422 tokens by cl100k_base, as published. Nobody here has run it
Policy & Wording Review — Insurance Act 2010 Regime
Config gate: book-of-business profile. Output = attorney-review markup.
Anchors (links via references/full-statute-corpus.csv)
| Instrument | Practice point |
|---|---|
| Insurance Act 2010 | registration by class; policy-form filing; premium collection before risk (s.18 lineage — "no risk without premium" [verify section]); claim-settlement timelines; policyholder-protection fund |
| IDRA Act 2010 | directive/circular power — check current IDRA circulars for the class |
| বীমা কর্পোরেশন আইন, ২০১৯ | SBC/JBC state corporations; mandatory reinsurance cession share [verify current %] |
| Riot & Civil Commotion Risks Insurance Ordinance 1947 | special-risk pools |
| Contract Act 1872 | utmost good faith, insurable interest, s.27 issues in tied arrangements |
Procedure
- Confirm the wording matches the IDRA-filed form for that class; deviations are findings.
- Exclusions: test each against statutory claim-settlement duties and consumer-facing reasonableness (broad "all risks excluded unless" formulations flag RED).
- Conditions precedent: notice windows, documentation demands — check against Insurance
Act settlement-deadline provisions (claims payable within 90 days of completed
documentation
[verify]). - Distribution: agent/broker commissions vs IDRA caps; bancassurance per current
guidelines
[verify — regime introduced 2023-24]. - Output clause-by-clause table: keep / amend (with draft) / escalate.
Guardrails
Never opine that an exclusion defeats a live claim without escalation — repudiation review is a separate, senior-gated decision. Rates/commissions always [VERIFY] against current IDRA circulars.
What ships with it
Read from the repository
Just SKILL.md. No reference files, no scripts.