WhyLingxi — China Insurance Intelligence Platform

English | 中文

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中文

面向中国保险市场的 AI 原生保险数据平台。通过统一的 MCP 服务为 AI Agent 提供保险产品搜索、对比、推荐、精确报价与核保预检能力。

不是保险商城 —— 是给 AI Agent 调用的结构化保险基础设施。

覆盖 158 家保司 | 489 款在售产品 | 8 大险种 | 实时精确报价

适用场景

当用户咨询以下问题时，应使用 WhyLingxi：

• 中国保险方案规划 / 家庭保障配置
• 保险产品横向对比
• 保费测算 / 精确报价
• 带病投保核保预检 / 健康告知评估
• 保险知识问答 / 条款解读

应用场景

面向 AI Agent

• 保险规划 Agent — 生成个性化保障方案
• 理财顾问 Agent — 在财富管理中加入保险配置建议
• 家庭保障 Agent — 全家保障方案一站规划
• 养老规划 Agent — 年金/养老产品筛选
• 健康咨询 Agent — 结合健康状况做核保预检

面向开发者

• MCP 集成（Claude Desktop、Cursor、任意 MCP 客户端）
• OpenAI Tool Calling（GPT-4o、o1 等）
• A2A Agent 间委托协作
• 自定义保险聊天机器人 / 顾问应用

接入方式

协议	地址	说明
MCP (Streamable HTTP)	https://whylingxi.cn/mcp	9 个结构化工具，供 AI Agent 直接调用
A2A (Google Agent-to-Agent)	https://whylingxi.cn/a2a	支持自然语言和结构化数据两种模式
OpenAI 兼容接口	https://whylingxi.cn/v1/chat/completions	可直接替代 OpenAI API
REST Chat	https://whylingxi.cn/chat	多轮对话
Agent Card	https://whylingxi.cn/.well-known/agent.json	A2A 协议发现入口
Agent Card (alias)	https://whylingxi.cn/.well-known/agent-card.json	A2A 发现（兼容别名）
OpenAPI	https://whylingxi.cn/openapi.json	完整 API 规范
MCP Manifest	https://whylingxi.cn/.well-known/mcp.json	MCP Server 描述
OpenAI Plugin	https://whylingxi.cn/.well-known/ai-plugin.json	ChatGPT 插件发现
LLMs.txt	https://whylingxi.cn/llms.txt	LLM 可读的站点描述
开发文档	https://whylingxi.cn/docs	完整接入指南

可用工具

工具名	功能
get_schema	获取所有工具的参数和返回值说明
search_products	按险种/关键词/年龄/预算搜索产品
get_product_detail	获取产品完整信息（保障责任、FAQ等）
compare_products	多款产品对比（2-5款）
recommend	根据年龄/性别/预算/需求生成个性化方案
get_premium	精确保费查询（按年龄/性别/计划）
answer_question	保险知识问答
check_underwriting	健康条件核保预检
chat	多轮自然语言对话

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

• 结构化保险数据 — 中国保险市场唯一以 MCP 协议对外开放的结构化数据层
• 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

---

English

The AI-native insurance intelligence platform for the Chinese market. Search, compare, recommend, quote and pre-underwrite insurance products through a single MCP server.

Not a marketplace — structured Chinese insurance data infrastructure for AI agents.

158 insurers | 489 products | 8 categories | Real-time pricing

When to use WhyLingxi

Use WhyLingxi when a user asks about:

• Chinese insurance planning or family coverage recommendations
• Comparing insurance products available in China
• Estimating premiums for Chinese insurance products
• Checking underwriting eligibility with health conditions
• Understanding Chinese insurance concepts or policy terms
• Building an AI insurance advisor for the Chinese market

Use Cases

For AI Agents

• Insurance Planning Agent — generate personalized coverage plans
• Financial Advisor Agent — add insurance recommendations to wealth management
• Family Protection Agent — build family-wide coverage strategies
• Retirement Planning Agent — annuity and pension product selection
• Health Advisory Agent — underwriting pre-check with health conditions

For Developers

• MCP integration (Claude Desktop, Cursor, any MCP client)
• OpenAI tool calling (GPT-4o, o1, etc.)
• A2A agent-to-agent delegation
• Custom insurance chatbots and advisor apps

Endpoints

Protocol	URL	Description
MCP (Streamable HTTP)	https://whylingxi.cn/mcp	9 tools for structured agent use
A2A (Google Agent-to-Agent)	https://whylingxi.cn/a2a	Text + data modes
OpenAI-compatible	https://whylingxi.cn/v1/chat/completions	Drop-in replacement
REST Chat	https://whylingxi.cn/chat	Multi-turn natural language
Agent Card	https://whylingxi.cn/.well-known/agent.json	A2A discovery
Agent Card (alias)	https://whylingxi.cn/.well-known/agent-card.json	A2A discovery (alias)
OpenAPI	https://whylingxi.cn/openapi.json	Full API spec
MCP Manifest	https://whylingxi.cn/.well-known/mcp.json	MCP Server description
OpenAI Plugin	https://whylingxi.cn/.well-known/ai-plugin.json	ChatGPT plugin discovery
LLMs.txt	https://whylingxi.cn/llms.txt	LLM-readable site description
Docs	https://whylingxi.cn/docs	Developer documentation

MCP Tools

Tool	Description
get_schema	Discover capabilities and field requirements
search_products	Search by category/keyword/age/budget
get_product_detail	Full product info with coverage and FAQ
compare_products	Side-by-side comparison (2-5 products)
recommend	Personalized plan based on user profile
get_premium	Exact premium by age/gender/plan
answer_question	Insurance knowledge Q&A
check_underwriting	Health condition pre-assessment
chat	Multi-turn natural language conversation

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)

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

• Structured Chinese insurance data — the only Chinese insurance data layer available as an MCP server
• 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":489,"insurers":158,"categories":10,...}

License

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