WhyLingxi 保险顾问 Insurance Advisor

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.

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What it can do

    What data it sees

    Do you need an account

    No: the server works without sign-in

    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.

    How to connect

    How to connect WhyLingxi 保险顾问 Insurance Advisor to Claude

    The server address to paste into Claude settings:

    https://whylingxi.cn/mcp

    1. Open Claude (claude.ai or the desktop app).
    2. Go to Settings → Connectors.
    3. Click Add custom connector.
    4. Paste the server address copied below into Remote MCP server URL and click Add.
    5. In a chat, click + → Connectors and switch the new connector on.

    Custom connectors are available on Free, Pro, Max, Team and Enterprise plans (Free is limited to one). On Team and Enterprise an organization Owner adds the connector first under Organization settings → Connectors.

    Authorization

    After you click Add, a sign-in window for the service opens. Sign in with your own account and approve access. Claude never sees your password.

    How to connect WhyLingxi 保险顾问 Insurance Advisor to ChatGPT

    The server address to paste into ChatGPT settings:

    https://whylingxi.cn/mcp

    1. Open ChatGPT in a browser (chatgpt.com). A Plus, Pro, Business, Enterprise or Edu plan is required.
    2. Turn on developer mode once: Settings → Apps → Advanced settings → Developer mode.
    3. Open Settings → Connectors and click Create.
    4. Fill in the form: Name (anything), Description (one line about what the service does), MCP server URL (copy it below).
    5. Under Authentication choose OAuth if the service requires sign-in, otherwise None. Click Create.
    6. In a new chat open + → Apps/Connectors and enable the connector.

    OpenAI has renamed this section before (Connectors → Apps/Plugins). If the label differs, search settings for "developer mode". On Business/Enterprise workspaces an admin must allow custom connectors first.

    Authorization

    On first use ChatGPT opens the service's sign-in window. Sign in and approve access.

    How to connect WhyLingxi 保险顾问 Insurance Advisor to Cursor

    The server address to paste into Cursor settings:

    https://whylingxi.cn/mcp

    Fastest: click Open in Cursor below and confirm the prompt.

    Manually:

    1. In Cursor open Settings → Cursor Settings → MCP and click Add new global MCP server.
    2. Paste the JSON copied below into ~/.cursor/mcp.json (per project: .cursor/mcp.json in the repo root).
    3. Save the file. The server appears in the MCP list; authorize it there if asked.

    Authorization

    If the service needs sign-in, an authorize button appears next to the server in the MCP list.

    Server tool list (9)

    Raw names from tools/list. Only developers need these.

    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。
    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。
    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。
    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。
    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)。
    get_premium查询指定产品在特定年龄/性别下的精确保费数据。
    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。
    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）。
    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）。