Whylingxi Insurance MCP Server

WhyLingxi Insurance MCP Server

English | 中文

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中文

保险产品智能顾问 MCP 服务器 —— 支持保险产品搜索、个性化推荐、保费试算、核保预检。

覆盖 65 家保司 | 483 款在售产品 | 8 大险种 | 实时报价

接入方式

可用工具

快速开始

OpenAI Responses API（远程 MCP 工具）

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）

# 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

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

• 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

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English

Remote MCP server for insurance product search, recommendation, premium calculation, and underwriting pre-check in China.

65 insurers | 483 products | 8 categories | Real-time pricing

Endpoints

MCP Tools

Quick Start

OpenAI Responses API (Remote MCP)

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)

# Search products
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

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

• 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

curl https://whylingxi.cn/health
# {"status":"ok","products":483,"insurers":65,"categories":10,...}

License

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