# Insurance coverage memo

> Draft and validate coverage opinion memos (Facts, Policy, Analysis, Conclusion) with policy citations.



Tags: Insurance, Coverage, Legal, Memo


## Example Prompts

- Draft a coverage memo for this claim
- Validate our memo for four sections and policy citations
- Add policy section citations to the Analysis

URL: https://rakenne.app/skills/insurance-coverage-memo/index.md

Try this skill: https://rakenne.app/a/?skill=insurance-coverage-memo



## Overview

Draft and validate coverage opinion memos (Facts, Policy, Analysis, Conclusion) with policy citations.

## Getting Started

Add your coverage memo draft to the workspace and activate the skill. Run the validator to ensure Facts, Policy, Analysis (with citations), and Conclusion are present.

## Tools

- **validate_coverage_memo** — Checks for Facts, Policy, Analysis, and Conclusion; verifies policy citations in Analysis; ensures conclusion (covered/not/conditional) is present.

## Example conversation

> **You:** Draft a coverage memo for the Jones claim. Policy excludes intentional acts. Facts: Jones alleges negligence. We need a conclusion.
>
> **Agent:** I've created `memos/jones_coverage.md` with Facts, Policy (exclusion excerpt), Analysis with policy citations, and Conclusion (no duty to defend for intentional acts; negligence claim may trigger defense). Running the validator.
>
> **Agent:** Validation: OK for all four sections; policy citations in Analysis; conclusion present.
>
> **You:** Add a citation to the exclusion at Section IV.B.
>
> **Agent:** Added "Section IV.B, p. 12" to the Analysis.

## Output excerpt

Example when Analysis has no citation:

```
============================================================
Coverage Memo Validation
File: memos/coverage.md
============================================================

OK: facts
OK: policy
OK: analysis
OK: conclusion

Analysis: No clear policy citation (section, article, page) found — add citations to policy language in Analysis.

Action: Add missing sections and policy citations; state conclusion (covered/not covered/conditional).
```


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