Structured Chinese insurance data infrastructure for AI agents — not a marketplace, but the data layer.
Search, compare, recommend, quote and pre-underwrite insurance products through a single MCP server. The only structured Chinese insurance data available as an MCP service.
## When to use
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
## Coverage
65 insurers | 483 products | 8 categories | Real-time pricing
Categories: Medical, Critical Illness, Accident, Term Life, Whole Life, Annuity, Travel, Group
## Tools (9)
- get_schema — Discover capabilities and parameters
- 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 insurance plan based on age/gender/budget/needs
- get_premium — Exact premium lookup by age/gender/plan
- answer_question — Insurance knowledge Q&A
- check_underwriting — Health condition pre-check against product requirements
- chat — Multi-turn natural language conversation
## Use Cases
For AI Agents: Insurance Planning, Financial Advisor, Family Protection, Retirement Planning, Health Advisory
For Developers: MCP (Claude Desktop, Cursor), OpenAI Tool Calling, A2A delegation, custom chatbots
## Key Features
- Age-specific exact pricing (not global minimums)
- Underwriting pre-check before recommendation
- Budget-optimized plan generation
- Factual consistency validation against product database
- Multi-protocol: MCP / A2A / OpenAI-compatible / REST
Full Description (中文):
面向中国保险市场的AI原生结构化保险数据基础设施 —— 不是保险商城，是给AI Agent调用的数据层。
通过统一的MCP服务提供保险产品搜索、对比、推荐、精确报价与核保预检能力。中国保险市场唯一以MCP协议对外开放的结构化数据服务。
## 适用场景
当用户咨询以下问题时使用：
- 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
- AI保险顾问工具集成
## 数据覆盖
65家保司 | 483款在售产品 | 8大险种 | 实时精确报价
险种：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
## 工具（9个）
- 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
## 应用场景
面向AI Agent：保险规划、理财顾问、家庭保障、养老规划、健康咨询
面向开发者：MCP集成（Claude Desktop、Cursor）、OpenAI Tool Calling、A2A协作、自定义聊天机器人
## 核心特性
- 精准报价：返回指定年龄精确保费，非全局最低价
- 核保预检：推荐前先评估可投保性
- 预算优化：按优先级贪心分配，最大化保障覆盖
- 事实一致性：后处理校验防止LLM幻觉
- 多协议：MCP / A2A / OpenAI兼容 / REST
Overview
{ "mcpServers": { "insurance-advisor": { "url": "https://whylingxi.cn/mcp", "transport": "streamable-http" } } }
Structured Chinese insurance data infrastructure for AI agents — not a marketplace, but the data layer. Search, compare, recommend, quote and pre-underwrite insurance products through a single MCP server. The only structured Chinese insurance data available as an MCP service.
When to use
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
Coverage
65 insurers | 483 products | 8 categories | Real-time pricing Categories: Medical, Critical Illness, Accident, Term Life, Whole Life, Annuity, Travel, Group
Tools (9)
- get_schema — Discover capabilities and parameters
- 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 insurance plan based on age/gender/budget/needs
- get_premium — Exact premium lookup by age/gender/plan
- answer_question — Insurance knowledge Q&A
- check_underwriting — Health condition pre-check against product requirements
- chat — Multi-turn natural language conversation
Use Cases
For AI Agents: Insurance Planning, Financial Advisor, Family Protection, Retirement Planning, Health Advisory For Developers: MCP (Claude Desktop, Cursor), OpenAI Tool Calling, A2A delegation, custom chatbots
Key Features
- Age-specific exact pricing (not global minimums)
- Underwriting pre-check before recommendation
- Budget-optimized plan generation
- Factual consistency validation against product database
- Multi-protocol: MCP / A2A / OpenAI-compatible / REST
Full Description (中文):
面向中国保险市场的AI原生结构化保险数据基础设施 —— 不是保险商城，是给AI Agent调用的数据层。 通过统一的MCP服务提供保险产品搜索、对比、推荐、精确报价与核保预检能力。中国保险市场唯一以MCP协议对外开放的结构化数据服务。
适用场景
当用户咨询以下问题时使用：
- 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
- AI保险顾问工具集成
数据覆盖
65家保司 | 483款在售产品 | 8大险种 | 实时精确报价 险种：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
工具（9个）
- 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
应用场景
面向AI Agent：保险规划、理财顾问、家庭保障、养老规划、健康咨询 面向开发者：MCP集成（Claude Desktop、Cursor）、OpenAI Tool Calling、A2A协作、自定义聊天机器人
核心特性
- 精准报价：返回指定年龄精确保费，非全局最低价
- 核保预检：推荐前先评估可投保性
- 预算优化：按优先级贪心分配，最大化保障覆盖
- 事实一致性：后处理校验防止LLM幻觉
- 多协议：MCP / A2A / OpenAI兼容 / REST
Server Config
{
"mcpServers": {
"insurance-advisor": {
"url": "https://whylingxi.cn/mcp",
"transport": "streamable-http"
}
}
}