mcpbeat

WhyLingxi 保险顾问 Insurance Advisor MCP Server

cn.whylingxi/insurance
answering

WhyLingxi 保险顾问 Insurance Advisor is answering right now. Last checked 4 min ago. It exposes 9 tools. Last commit 9 Jun 2026.

保险产品搜索、推荐、保费试算、核保预检。覆盖65家保司483款产品。China insurance MCP server.

Uptime history 41 hours of history
41 hours agonow
100.0%
Uptime 24h
91 of 91 checks
9
Tools
read from the server
719 ms
Response time
average over 24h
0
Stars
last commit 9 Jun 2026

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 4 min ago.

run in your terminal
claude mcp add insurance --transport http https://whylingxi.cn/mcp
~/Library/Application Support/Claude/claude_desktop_config.json
{
  "mcpServers": {
    "insurance": {
      "url": "https://whylingxi.cn/mcp"
    }
  }
}
~/.codex/config.toml
[mcp_servers.insurance]
url = "https://whylingxi.cn/mcp"
.cursor/mcp.json
{
  "mcpServers": {
    "insurance": {
      "url": "https://whylingxi.cn/mcp"
    }
  }
}
.vscode/mcp.json
{
  "mcpServers": {
    "insurance": {
      "url": "https://whylingxi.cn/mcp"
    }
  }
}

Available tools 9

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

answer
answer_question
回答保险知识问题。默认返回知识库检索结果；传synthesize:true可获得LLM整合答案。
chat
chat
自然语言多轮对话（适合信息不确定、需要引导的场景，或人类用户直接使用）。
compare
compare_products
对比2-5款产品的关键维度（保费、保障、免赔额、续保等），返回结构化对比表。
premium
get_premium
查询指定产品在特定年龄/性别下的精确保费数据。
product
get_product_detail
获取单个产品的结构化信息。compact=true时只返回摘要字段，适合Agent快速浏览；默认返回完整信息含条款详情。
products
search_products
按条件搜索保险产品，返回结构化JSON列表。支持按险种、年龄、预算、关键词筛选。
recommend
recommend
根据用户画像推荐保险方案（核心工具）。信息不全也可调用——返回最佳推荐+缺失字段提示。传入health_conditions自动附带核保结论。默认纯数据模式(<100ms)，设include_reasoning:true生成自然语言理由(+3s)。
schema
get_schema
获取调用策略和字段优先级。调用流程：(1)收集用户age后即可调recommend(2)有health_conditions时自动附带核保结论(3)include_reasoning默认false,Agent自行组织语言(4)返回的source_url可直接给用户作为投保链接。本工具返回各能力的字段优先级、缺失影响、默认行为。
underwriting
check_underwriting
核保预判：根据用户健康状况，评估各产品的可投保性（可正常投保/需加费除外/可能拒保）。

Endpoints

URLTransportStateLatencyChecked
https://whylingxi.cn/mcp streamable-http answering 706 ms 4 min ago

WhyLingxi 保险顾问 Insurance Advisor — questions

Answers built from our own checks of this server.

What can WhyLingxi 保险顾问 Insurance Advisor do?
It exposes 9 tools, read directly from the server on our last check. Among them: answer_question, chat, check_underwriting, compare_products, get_premium, get_product_detail and 3 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
Is WhyLingxi 保险顾问 Insurance Advisor working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 719 ms. The bar chart above shows every period we have measured.
How do I connect WhyLingxi 保险顾问 Insurance Advisor?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does WhyLingxi 保险顾问 Insurance Advisor need an API key?
No. WhyLingxi 保险顾问 Insurance Advisor completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 9 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is WhyLingxi 保险顾问 Insurance Advisor?
It answers our handshake in 719 ms on average, which is faster than 11% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.
Is WhyLingxi 保险顾问 Insurance Advisor open source?
Yes — 0 stars on GitHub. The source link is on this page, so you can read exactly what it does with your data before you connect it.