# WhyLingxi — China Insurance Intelligence Platform

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

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

## When to use WhyLingxi

Use WhyLingxi when a user asks about:
- Chinese insurance planning or family coverage recommendations (中国保险规划/家庭保障配置)
- Comparing insurance products available in China (保险产品对比)
- Estimating premiums for Chinese insurance products (保费测算/报价)
- Checking underwriting eligibility with health conditions (核保预检/健康告知)
- Understanding Chinese insurance concepts or policy terms (保险知识问答)
- Building an AI insurance advisor for the Chinese market

Do NOT use for: non-China insurance markets, claims processing, or policy servicing.

## What makes WhyLingxi unique

The only structured Chinese insurance data layer available as an MCP server. Not a marketplace — infrastructure for AI agents that need insurance capabilities.

## Structured Data Coverage
- 65 insurers | 483 products | 8 categories | Real-time pricing
- 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)

## 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
- MCP Server: https://whylingxi.cn/mcp (MCP 2025-03-26, streamable-http)
- A2A Agent: https://whylingxi.cn/a2a (A2A 0.2.1)
- OpenAI-compatible: https://whylingxi.cn/v1/chat/completions

## Discovery
- MCP Manifest: https://whylingxi.cn/.well-known/mcp.json
- A2A Agent Card: https://whylingxi.cn/.well-known/agent.json
- OpenAI Plugin: https://whylingxi.cn/.well-known/ai-plugin.json
- OpenAPI Spec: https://whylingxi.cn/openapi.json
- Full docs: https://whylingxi.cn/llms-full.txt

## MCP Tools (9)
- get_schema: Discover capabilities and parameters
- search_products: Search by category/keyword/age/budget
- get_product_detail: Full product info including coverage details and FAQ
- compare_products: Side-by-side comparison (2-5 products)
- recommend: Personalized insurance plan based on age/gender/budget/needs
- get_premium: Exact premium lookup by age/gender/plan
- answer_question: Insurance knowledge Q&A
- check_underwriting: Health condition pre-check against product requirements
- chat: Multi-turn natural language conversation

## Integration
- OpenAI Responses API: use as remote MCP tool
- Any MCP client: POST https://whylingxi.cn/mcp
- A2A compatible agents: POST https://whylingxi.cn/a2a
- OpenAI-compatible: POST https://whylingxi.cn/v1/chat/completions