MCP MeasureMCP Measure

索引已觀測

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.

我該用這個嗎

品質與安全性

B
說明品質
54%
結構描述完整度
97%
命名品質
91%
汙染風險
100%
權限相符程度
100%
協定合規性
100%

發現項目（9）

  • LOWTool 'get_schema' description lacks action verb在 get_schema 中
  • LOWTool 'search_products' description lacks action verb在 search_products 中
  • LOWTool 'get_product_detail' description lacks action verb在 get_product_detail 中
  • LOWTool 'compare_products' description lacks action verb在 compare_products 中
  • LOWTool 'recommend' description lacks action verb在 recommend 中
  • LOWTool 'get_premium' description lacks action verb在 get_premium 中
  • LOWTool 'answer_question' description lacks action verb在 answer_question 中
  • LOWTool 'check_underwriting' description lacks action verb在 check_underwriting 中
  • LOWTool 'chat' description lacks action verb在 chat 中

根據工具定義與協定合規性的自動化分析。

上下文成本

~1,594Token（工具定義）
~938 B典型回應大小
中等的注意力影響（128k 上下文的 1.25%）

這是每次將伺服器的工具載入模型上下文時所消耗的約略 token 數量。數量越高，可用於其他工作的注意力就越少。

安裝

一鍵安裝

將以下內容加入你的 `claude_desktop_config.json` 檔案：

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

遠端端點

https://whylingxi.cn/mcpstreamable-http

它能做什麼

工具清單

工具（9）

🟢 唯讀🟡 寫入🔴 刪除⚪ 未知
🟢get_schema(capability)

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。

輸入結構描述

{
  "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"
    }
  }
}
🟢search_products(category, age, budget, keyword, limit)

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。

輸入結構描述

{
  "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"
    }
  }
}
🟢get_product_detail(product_id, compact)

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。

輸入結構描述

{
  "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"
  ]
}
⚪compare_products(product_ids, age, gender)

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。

輸入結構描述

{
  "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"
  ]
}
⚪recommend(age, gender, budget, needs, family_role, ...)

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)。

輸入結構描述

{
  "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"
  ]
}
🟢get_premium(product_id, age, gender)

查询指定产品在特定年龄/性别下的精确保费数据。

輸入結構描述

{
  "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"
  ]
}
⚪answer_question(question, product_id, synthesize)

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。

輸入結構描述

{
  "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"
  ]
}
🟢check_underwriting(health_conditions, age, category, product_ids)

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）。

輸入結構描述

{
  "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"
  ]
}
⚪chat(message, session_id)

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）。

輸入結構描述

{
  "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"
  ]
}

建議的提示詞

search_research
Search for information about [topic] using WhyLingxi 保险顾问 Insurance Advisor
預期的工具： search_products
find_specific
Find [specific item] using WhyLingxi 保险顾问 Insurance Advisor
預期的工具： search_products
retrieve_data
Get details about [item] from WhyLingxi 保险顾问 Insurance Advisor
預期的工具： get_schema
fetch_info
Fetch [information type] using WhyLingxi 保险顾问 Insurance Advisor
預期的工具： get_schema
research_workflow
Search for [topic], then get detailed information about the top results using WhyLingxi 保险顾问 Insurance Advisor
預期的工具： search_productsget_schema

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