IndiaInsurances is answering right now. Last checked 10 min ago. It exposes 17 tools.
Every Indian insurance policy, clause by clause, with verbatim quotes. Free, no API key.
Uptime history
17 days of history · worst day 98%
17 days agonow
100.0%
Uptime 24h
91 of 91 checks
17
Tools
read from the server
701 ms
Response time
average over 24h
open, no key
Access
streamable-http
What changed 10
Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 20 October 2026. No other catalogue keeps this.
30 Oct
a tool appeared
find_policies
21 Oct
2 tool descriptions were rewritten
get_policy, search_insurance_law
21 Oct
a tool changed the parameters it asks for
find_forms
20 Oct
5 tools appeared
complaint_path, draft_complaint, find_forms and 2 more
20 Oct
a tool description was rewritten
request_help
IndiaInsurances missed 3 checks this week
Everything else answered, so this is steady rather than shaky. We check every 15 minutes, which is how a one-off gets told apart from the start of a pattern, and how you hear about the next one within the hour instead of from your users.
Connect this server
Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 10 min ago.
run in your terminal
claude mcp add mcp --transport http https://indiainsurances.com/mcpSettings → Connectors → Add custom connector, then paste this address
https://indiainsurances.com/mcp~/.codex/config.toml
[mcp_servers.mcp]
url = "https://indiainsurances.com/mcp".cursor/mcp.json
{
"mcpServers": {
"mcp": {
"url": "https://indiainsurances.com/mcp"
}
}
}.vscode/mcp.json
{
"servers": {
"mcp": {
"type": "http",
"url": "https://indiainsurances.com/mcp"
}
}
}Available tools 17
Read directly from the server with tools/list, grouped by what they act on.
If a tool disappears, we record the date.
policy
get_policy
Everything about one product by UIN: each fact read from its documents (waiting periods, limits, co-pay, exclusions, claims, renewal rights...) with the verbatim policy para (field `quote`), the clause and page it came from, its check status, and the law behind it; plus its documents, versions, where to buy and where to claim. status "not-stated" means the documents do not say: never fill it from memory.
get_policy_clause
The exact text of one clause by clause_id (from get_policy sources or search_policy_text), with its pages and the product it belongs to.
search_policy_text
Full-text search inside one product's documents (wording, prospectus, CIS) for words like 'cataract', 'air ambulance', 'suicide'. Returns matching clauses with page and link. Use when get_policy does not cover the question.
insurer
get_insurer
An insurer by slug (or all insurers without one): registration, type, claim and complaint record by year with source, claim and grievance contacts, and its products.
insurer_contacts
How to reach an insurer for claims and complaints: claim and cashless desks, customer care, grievance e-mails, the Grievance Redressal Officer, senior citizen desks, escalation, with each value's source page and date. Use the value exactly; tell the user to check the source.
policies
find_policies
Shortlist active policies of one type by what their documents say, e.g. health cover with a pre-existing disease wait of at most 24 months and lifelong renewal, or 60+ days of pre-hospitalisation. Conditions are on the category's bool, duration and number fields (keys and units from list_categories with category; a bad key returns the allowed list). Only products that state each value are returned, each with the matching values and policy paras. Nothing is ranked: compare the shortlist with compare_policies.
search_policies
Find Indian insurance products by words in the name, insurer (slug), type of insurance (category slug from list_categories), line (life, health, general) or status (active, withdrawn). A UIN in q returns that product. Start here when you only have a name.
about
about_dataset
What IndiaInsurances holds: counts of insurers, products, products read clause by clause, documents and facts, and the data date.
categories
list_categories
The types of insurance (health, critical illness, term life, ULIP, motor, home, travel...) with slugs and product counts. With category, the fields read for that type and what each means.
compare
compare_policies
Two to four products side by side on the same fields, with differences flagged and each value sourced. Products of the same category compare best. Nothing is scored: explain the trade-offs to the user.
complaint
complaint_path
The step-by-step route to resolve a claim or complaint with an insurer: the insurer (reply due in 14 days), its Grievance Redressal Officer, IRDAI Bima Bharosa, the Insurance Ombudsman office for the user's state (free, up to Rs 50 lakh, within a year) and the consumer commission, each with contacts, deadlines, the rule that applies and the forms to use.
draft
draft_complaint
A complaint letter ready to send, to the insurer (level insurer), its Grievance Redressal Officer (gro) or the Insurance Ombudsman (ombudsman, in the form Rule 14 requires), with to/cc addresses, subject, body and a mailto link. Ask the user for the facts; leave [BRACKETS] for anything unknown. Nothing is stored. The user sends it.
form
get_form
One form, field by field as printed: sections, each field's label, type, whether required and what to write; documents to attach; where to send it; deadlines; and, for fillable PDFs, the PDF's own field names. Walk the user through it one field at a time; never invent answers.
forms
find_forms
An insurer's forms: claim forms, complaint and grievance forms, service requests (nominee, refund, surrender, KYC) and proposal forms, with field counts and the original PDF.
insurance
search_insurance_law
Indian insurance law: the Insurance Act, IRDAI regulations and master circulars, ombudsman rules. Without slug: the instruments, and with q the sections that hold the most of its words (each with its text and link); with slug, the instrument with all its sections and plain-language notes.
report
report_correction
Tell IndiaInsurances a fact is wrong or outdated, with evidence (document and page) if possible. Ask the user before sending anything they wrote.
request
request_help
Send the user's request to IndiaInsurances' team ([email protected]) for free help buying, porting, a claim or a policy review; the team replies by e-mail. ASK THE USER FIRST and set consent true only if they agree to be contacted. Details are not passed to any insurer, agent or broker.
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://indiainsurances.com/mcp | streamable-http | answering | 668 ms | 10 min ago |
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IndiaInsurances — questions
Answers built from our own checks of this server.
What can IndiaInsurances do?
It exposes 17 tools, read directly from the server on our last check. Among them: about_dataset, compare_policies, complaint_path, draft_complaint, find_forms, find_policies and 11 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 →
What is IndiaInsurances mostly used for?
Its tools cluster around policy, policies and insurer. That is what this server is built to work with — the grouping comes from the actual tool names, not from a category we assigned.
Is IndiaInsurances 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 701 ms. The bar chart above shows every period we have measured.
How do I connect IndiaInsurances?
Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does IndiaInsurances need an API key?
No. IndiaInsurances completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 17 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is IndiaInsurances?
It answers our handshake in 701 ms on average, which is faster than 13% 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.