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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Calidad de la descripción

54%

Integridad del esquema

97%

Calidad de los nombres

91%

Riesgo de envenenamiento

100%

Coincidencia de permisos

100%

Cumplimiento del protocolo

100%

Hallazgos (9)

LOWTool 'get_schema' description lacks action verben get_schema
LOWTool 'search_products' description lacks action verben search_products
LOWTool 'get_product_detail' description lacks action verben get_product_detail
LOWTool 'compare_products' description lacks action verben compare_products
LOWTool 'recommend' description lacks action verben recommend
LOWTool 'get_premium' description lacks action verben get_premium
LOWTool 'answer_question' description lacks action verben answer_question
LOWTool 'check_underwriting' description lacks action verben check_underwriting
LOWTool 'chat' description lacks action verben chat

Basado en el análisis automatizado de las definiciones de herramientas y el cumplimiento del protocolo.

Costo de contexto

~1,594Tokens (definiciones de herramientas)

~938 BTamaño de respuesta típico

Impacto moderado en la atención (1.25% del contexto de 128k)

Este es el número aproximado de tokens que se consumen cada vez que las herramientas del servidor se cargan en el contexto de un modelo. Los recuentos más altos reducen la atención disponible para otras tareas.

Instalar

Instalación con un clic

Agrega esto a tu archivo `claude_desktop_config.json`:

{
  "mcpServers": {
    "insurance": {
      "url": "https://whylingxi.cn/mcp"
    }
  }
}

Puntos de conexión remotos

https://whylingxi.cn/mcpstreamable-http

Qué puede hacer

Inventario de herramientas

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。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "capability": {
      "type": "string",
      "enum": [
        "recommend",
        "search",
        "compare",
        "premium",
        "underwriting"
      ],
      "description": "想了解哪个能力，不传则返回全部"
    }
  }
}

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。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "category": {
      "type": "string",
      "description": "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"
    },
    "age": {
      "type": "integer",
      "description": "被保险人年龄"
    },
    "budget": {
      "type": "number",
      "description": "年预算上限（元）"
    },
    "keyword": {
      "type": "string",
      "description": "产品名或保险公司关键词"
    },
    "limit": {
      "type": "integer",
      "description": "最多返回条数，默认10"
    }
  }
}

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。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "product_id": {
      "type": "integer",
      "description": "产品ID"
    },
    "compact": {
      "type": "boolean",
      "description": "精简模式：只返回核心字段+coverage前8项摘要，省略条款/FAQ详情",
      "default": false
    }
  },
  "required": [
    "product_id"
  ]
}

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。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "product_ids": {
      "type": "array",
      "items": {
        "type": "integer"
      },
      "description": "产品ID列表（2-5个）"
    },
    "age": {
      "type": "integer",
      "description": "用于查询精确保费的年龄"
    },
    "gender": {
      "type": "string",
      "enum": [
        "男",
        "女"
      ],
      "description": "用于查询精确保费的性别"
    }
  },
  "required": [
    "product_ids"
  ]
}

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)。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer",
      "description": "年龄（必填）"
    },
    "gender": {
      "type": "string",
      "enum": [
        "男",
        "女"
      ]
    },
    "budget": {
      "type": "number",
      "description": "年预算（元）"
    },
    "needs": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "需求列表，如[\"重疾保障\",\"医疗报销\",\"意外防护\"]"
    },
    "family_role": {
      "type": "string",
      "enum": [
        "本人",
        "配偶",
        "孩子",
        "父母"
      ],
      "description": "被保人角色"
    },
    "health_conditions": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "既往症，如[\"高血压2级\",\"甲状腺结节\"]"
    },
    "has_social_security": {
      "type": "boolean",
      "description": "是否有社保"
    },
    "occupation_class": {
      "type": "integer",
      "description": "职业类别(1-6类)"
    },
    "existing_coverage": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "已有保障，如[\"百万医疗\",\"意外险\"]"
    },
    "include_reasoning": {
      "type": "boolean",
      "description": "是否生成LLM推荐理由（默认false，Agent调用无需开启；设true适用于直接面向人类展示）"
    }
  },
  "required": [
    "age"
  ]
}

查询指定产品在特定年龄/性别下的精确保费数据。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "product_id": {
      "type": "integer",
      "description": "产品ID"
    },
    "age": {
      "type": "integer",
      "description": "年龄"
    },
    "gender": {
      "type": "string",
      "enum": [
        "男",
        "女"
      ]
    }
  },
  "required": [
    "product_id",
    "age"
  ]
}

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。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "question": {
      "type": "string",
      "description": "问题"
    },
    "product_id": {
      "type": "integer",
      "description": "（可选）针对某款产品的问题"
    },
    "synthesize": {
      "type": "boolean",
      "description": "是否调LLM整合答案（默认false，纯检索模式更快）"
    }
  },
  "required": [
    "question"
  ]
}

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）。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "health_conditions": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "健康状况列表，如[\"高血压2级\",\"甲状腺结节3类\",\"乙肝小三阳\"]"
    },
    "age": {
      "type": "integer",
      "description": "年龄（影响可选产品范围）"
    },
    "category": {
      "type": "string",
      "description": "想投保的险种（不传则评估医疗+重疾+意外+定寿）"
    },
    "product_ids": {
      "type": "array",
      "items": {
        "type": "integer"
      },
      "description": "指定产品ID列表（不传则自动选取各险种Top产品评估）"
    }
  },
  "required": [
    "health_conditions"
  ]
}

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）。

Esquema de entrada

{
  "type": "object",
  "properties": {
    "message": {
      "type": "string",
      "description": "用户消息"
    },
    "session_id": {
      "type": "string",
      "description": "会话ID，传入可保持多轮对话上下文"
    }
  },
  "required": [
    "message"
  ]
}

Prompts recomendados

search_research

Search for information about [topic] using WhyLingxi 保险顾问 Insurance Advisor

Herramientas esperadas: search_products

find_specific

Find [specific item] using WhyLingxi 保险顾问 Insurance Advisor

Herramientas esperadas: search_products

retrieve_data

Get details about [item] from WhyLingxi 保险顾问 Insurance Advisor

Herramientas esperadas: get_schema

fetch_info

Fetch [information type] using WhyLingxi 保险顾问 Insurance Advisor

Herramientas esperadas: get_schema

research_workflow

Search for [topic], then get detailed information about the top results using WhyLingxi 保险顾问 Insurance Advisor

Herramientas esperadas: search_productsget_schema

Comunidad

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Evidencia

Observaciones recientes

22 sept 2026, 7:33 UTCverificadoversión no registrada9 herramientas

WhyLingxi 保险顾问 Insurance Advisor

Calidad y seguridad

Hallazgos (9)

Costo de contexto

Instalación con un clic

Puntos de conexión remotos

Inventario de herramientas

Herramientas (9)

Esquema de entrada

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Prompts recomendados

Califica este servidor

Observaciones recientes