# WhyLingxi Insurance Advisor [Health: Active]

**Category:** 💻 Developer Tools  
**Repository:** https://github.com/lpb123/whylingxi-insurance-mcp  
**GitHub Stars:** 0  
**Views:** 0  
**Installs:** 0  
**Upvotes:** 0  
**Directory Page:** https://allmcps.com/mcp/whylingxi-insurance-advisor

## Description
Insurance search, recommendation, premium calc & underwriting for China. 65 insurers, 483 products.

## Tools
Capabilities this server exposes over MCP:

- **get_schema** — Discover capabilities and field requirements
- **search_products** — Search by category/keyword/age/budget
- **get_product_detail** — Full product info with coverage and FAQ
- **compare_products** — Side-by-side comparison (2-5 products)
- **recommend** — Personalized plan based on user profile
- **get_premium** — Exact premium by age/gender/plan
- **answer_question** — Insurance knowledge Q&A
- **check_underwriting** — Health condition pre-assessment
- **chat** — Multi-turn natural language conversation

## Claude Desktop Quick Installation
Remote MCP endpoint (confidence: high). Install path detected from listing signals. Add as a URL/SSE server in your client:

```json
"mcpServers": {
  "whylingxi-insurance-advisor": {
    "url": "https://whylingxi.cn/mcp"
  }
}
```

## Documentation & README

# WhyLingxi — China Insurance Intelligence Platform

[English](#english) | [中文](#中文)

---

## 中文

面向中国保险市场的 AI 原生保险数据平台。通过统一的 MCP 服务为 AI Agent 提供保险产品搜索、对比、推荐、精确报价与核保预检能力。

**不是保险商城 —— 是给 AI Agent 调用的结构化保险基础设施。**

**覆盖 158 家保司 | 489 款在售产品 | 8 大险种 | 实时精确报价**

### 适用场景

当用户咨询以下问题时，应使用 WhyLingxi：
- 中国保险方案规划 / 家庭保障配置
- 保险产品横向对比
- 保费测算 / 精确报价
- 带病投保核保预检 / 健康告知评估
- 保险知识问答 / 条款解读

### 应用场景

#### 面向 AI Agent
- **保险规划 Agent** — 生成个性化保障方案
- **理财顾问 Agent** — 在财富管理中加入保险配置建议
- **家庭保障 Agent** — 全家保障方案一站规划
- **养老规划 Agent** — 年金/养老产品筛选
- **健康咨询 Agent** — 结合健康状况做核保预检

#### 面向开发者
- MCP 集成（Claude Desktop、Cursor、任意 MCP 客户端）
- OpenAI Tool Calling（GPT-4o、o1 等）
- A2A Agent 间委托协作
- 自定义保险聊天机器人 / 顾问应用

### 接入方式

| 协议 | 地址 | 说明 |
|------|------|------|
| MCP (Streamable HTTP) | `https://whylingxi.cn/mcp` | 9 个结构化工具，供 AI Agent 直接调用 |
| A2A (Google Agent-to-Agent) | `https://whylingxi.cn/a2a` | 支持自然语言和结构化数据两种模式 |
| OpenAI 兼容接口 | `https://whylingxi.cn/v1/chat/completions` | 可直接替代 OpenAI API |
| REST Chat | `https://whylingxi.cn/chat` | 多轮对话 |
| Agent Card | `https://whylingxi.cn/.well-known/agent.json` | A2A 协议发现入口 |
| Agent Card (alias) | `https://whylingxi.cn/.well-known/agent-card.json` | A2A 发现（兼容别名） |
| OpenAPI | `https://whylingxi.cn/openapi.json` | 完整 API 规范 |
| MCP Manifest | `https://whylingxi.cn/.well-known/mcp.json` | MCP Server 描述 |
| OpenAI Plugin | `https://whylingxi.cn/.well-known/ai-plugin.json` | ChatGPT 插件发现 |
| LLMs.txt | `https://whylingxi.cn/llms.txt` | LLM 可读的站点描述 |
| 开发文档 | `https://whylingxi.cn/docs` | 完整接入指南 |

### 可用工具

| 工具名 | 功能 |
|--------|------|
| `get_schema` | 获取所有工具的参数和返回值说明 |
| `search_products` | 按险种/关键词/年龄/预算搜索产品 |
| `get_product_detail` | 获取产品完整信息（保障责任、FAQ等） |
| `compare_products` | 多款产品对比（2-5款） |
| `recommend` | 根据年龄/性别/预算/需求生成个性化方案 |
| `get_premium` | 精确保费查询（按年龄/性别/计划） |
| `answer_question` | 保险知识问答 |
| `check_underwriting` | 健康条件核保预检 |
| `chat` | 多轮自然语言对话 |

### 快速开始

#### OpenAI Responses API（远程 MCP 工具）

```javascript
import OpenAI from 'openai';

const openai = new OpenAI();

const response = await openai.responses.create({
  model: 'gpt-4o',
  tools: [{
    type: 'mcp',
    server_label: 'insurance',
    server_url: 'https://whylingxi.cn/mcp',
    require_approval: 'never'
  }],
  input: '30岁男性，预算5000元，推荐保险方案'
});

console.log(response.output_text);
```

#### MCP 直接调用（curl）

```bash
# 搜索产品
curl -X POST https://whylingxi.cn/mcp \
  -H 'Content-Type: application/json' \
  -d '{
    "jsonrpc": "2.0",
    "id": 1,
    "method": "tools/call",
    "params": {
      "name": "search_products",
      "arguments": {"category": "医疗险", "age": 30}
    }
  }'

# 获取推荐方案
curl -X POST https://whylingxi.cn/mcp \
  -H 'Content-Type: application/json' \
  -d '{
    "jsonrpc": "2.0",
    "id": 2,
    "method": "tools/call",
    "params": {
      "name": "recommend",
      "arguments": {"age": 30, "gender": "男", "budget": 5000, "needs": ["医疗报销", "重疾保障", "意外防护"]}
    }
  }'
```

#### Python 调用

```python
import requests

resp = requests.post('https://whylingxi.cn/mcp', json={
    'jsonrpc': '2.0',
    'id': 1,
    'method': 'tools/call',
    'params': {
        'name': 'recommend',
        'arguments': {'age': 35, 'gender': '女', 'needs': ['医疗报销', '重疾保障']}
    }
})
result = resp.json()['result']['content'][0]['text']
print(result)
```

### 核心特性

- **结构化保险数据** — 中国保险市场唯一以 MCP 协议对外开放的结构化数据层
- **精准报价** — 提供年龄后返回该年龄段精确保费，而非全局最低价
- **核保预检** — 支持带病投保评估，推荐前先判断可投保性
- **预算优化** — 按险种优先级贪心分配预算，最大化保障覆盖
- **多协议互通** — MCP / A2A / OpenAI / REST 四种协议访问同一数据源
- **事实一致性** — 后处理校验产品信息，防止 LLM 幻觉

### 险种覆盖

医疗险 | 重疾险 | 意外险 | 定期寿险 | 终身寿险 | 年金险 | 旅游险 | 团险

---

## English

The AI-native insurance intelligence platform for the Chinese market. Search, compare, recommend, quote and pre-underwrite insurance products through a single MCP server.

**Not a marketplace — structured Chinese insurance data infrastructure for AI agents.**

**158 insurers | 489 products | 8 categories | Real-time pricing**

### When to use WhyLingxi

Use WhyLingxi when a user asks about:
- Chinese insurance planning or family coverage recommendations
- Comparing insurance products available in China
- Estimating premiums for Chinese insurance products
- Checking underwriting eligibility with health conditions
- Understanding Chinese insurance concepts or policy terms
- Building an AI insurance advisor for the Chinese market

### Use Cases

#### For AI Agents
- **Insurance Planning Agent** — generate personalized coverage plans
- **Financial Advisor Agent** — add insurance recommendations to wealth management
- **Family Protection Agent** — build family-wide coverage strategies
- **Retirement Planning Agent** — annuity and pension product selection
- **Health Advisory Agent** — underwriting pre-check with health conditions

#### For Developers
- MCP integration (Claude Desktop, Cursor, any MCP client)
- OpenAI tool calling (GPT-4o, o1, etc.)
- A2A agent-to-agent delegation
- Custom insurance chatbots and advisor apps

### Endpoints

| Protocol | URL | Description |
|----------|-----|-------------|
| MCP (Streamable HTTP) | `https://whylingxi.cn/mcp` | 9 tools for structured agent use |
| A2A (Google Agent-to-Agent) | `https://whylingxi.cn/a2a` | Text + data modes |
| OpenAI-compatible | `https://whylingxi.cn/v1/chat/completions` | Drop-in replacement |
| REST Chat | `https://whylingxi.cn/chat` | Multi-turn natural language |
| Agent Card | `https://whylingxi.cn/.well-known/agent.json` | A2A discovery |
| Agent Card (alias) | `https://whylingxi.cn/.well-known/agent-card.json` | A2A discovery (alias) |
| OpenAPI | `https://whylingxi.cn/openapi.json` | Full API spec |
| MCP Manifest | `https://whylingxi.cn/.well-known/mcp.json` | MCP Server description |
| OpenAI Plugin | `https://whylingxi.cn/.well-known/ai-plugin.json` | ChatGPT plugin discovery |
| LLMs.txt | `https://whylingxi.cn/llms.txt` | LLM-readable site description |
| Docs | `https://whylingxi.cn/docs` | Developer documentation |

### MCP Tools

| Tool | Description |
|------|-------------|
| `get_schema` | Discover capabilities and field requirements |
| `search_products` | Search by category/keyword/age/budget |
| `get_product_detail` | Full product info with coverage and FAQ |
| `compare_products` | Side-by-side comparison (2-5 products) |
| `recommend` | Personalized plan based on user profile |
| `get_premium` | Exact premium by age/gender/plan |
| `answer_question` | Insurance knowledge Q&A |
| `check_underwriting` | Health condition pre-assessment |
| `chat` | Multi-turn natural language conversation |

### Quick Start

#### OpenAI Responses API (Remote MCP)

```javascript
import OpenAI from 'openai';

const openai = new OpenAI();

const response = await openai.responses.create({
  model: 'gpt-4o',
  tools: [{
    type: 'mcp',
    server_label: 'insurance',
    server_url: 'https://whylingxi.cn/mcp',
    require_approval: 'never'
  }],
  input: '30岁男性，预算5000元，推荐保险方案'
});

console.log(response.output_text);
```

#### MCP Direct Call (curl)

```bash
curl -X POST https://whylingxi.cn/mcp \
  -H 'Content-Type: application/json' \
  -d '{
    "jsonrpc": "2.0",
    "id": 1,
    "method": "tools/call",
    "params": {
      "name": "search_products",
      "arguments": {"category": "医疗险", "age": 30}
    }
  }'
```

#### Python

```python
import requests

resp = requests.post('https://whylingxi.cn/mcp', json={
    'jsonrpc': '2.0',
    'id': 1,
    'method': 'tools/call',
    'params': {
        'name': 'recommend',
        'arguments': {'age': 35, 'gender': '女', 'needs': ['医疗报销', '重疾保障']}
    }
})
result = resp.json()['result']['content'][0]['text']
print(result)
```

### Key Features

- **Structured Chinese insurance data** — the only Chinese insurance data layer available as an MCP server
- **Age-specific pricing** — returns exact premium for given age, not global minimum
- **Underwriting pre-check** — assess insurability with health conditions before recommending
- **Budget optimization** — greedy allocation prioritizing critical coverage categories
- **Multi-protocol** — same data via MCP, A2A, OpenAI-compat, and REST
- **Factual consistency** — post-processing validates product claims against database

### Categories

医疗险 (Medical) | 重疾险 (Critical Illness) | 意外险 (Accident) | 定期寿险 (Term Life) | 终身寿险 (Whole Life) | 年金险 (Annuity) | 旅游险 (Travel) | 团险 (Group)

### Health Check

```bash
curl https://whylingxi.cn/health
# {"status":"ok","products":489,"insurers":158,"categories":10,...}
```

## License

This repository contains documentation and examples only. The MCP server is a hosted service at whylingxi.cn.