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IndiaInsurances

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com.indiainsurances/mcpv1.0.0 Domain verified

Every Indian insurance policy, clause by clause, with verbatim quotes. Free, no API key.

Finance & Payments Legal & Government

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https://indiainsurances.com/mcp

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about_dataset

What IndiaInsurances holds: counts of insurers, products, products read clause by clause, documents and facts, and the data date.

This tool takes no arguments.

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IndiaInsurances MCP server | mcptry

Tools (16)

about_dataset

What IndiaInsurances holds: counts of insurers, products, products read clause by clause, documents and facts, and the data date.

No arguments.

Input schema (JSON)

{
  "type": "object",
  "properties": {}
}

compare_policies

Two to four products side by side on the same fields, with differences flagged and each value sourced. Products of the same category compare best. Nothing is scored: explain the trade-offs to the user.

Argument	Type	Description
uins*	array

Input schema (JSON)

{
  "type": "object",
  "required": [
    "uins"
  ],
  "properties": {
    "uins": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "maxItems": 4,
      "minItems": 2
    }
  }
}

complaint_path

The step-by-step route to resolve a claim or complaint with an insurer: the insurer (reply due in 14 days), its Grievance Redressal Officer, IRDAI Bima Bharosa, the Insurance Ombudsman office for the user's state (free, up to Rs 50 lakh, within a year) and the consumer commission, each with contacts, deadlines, the rule that applies and the forms to use.

Argument	Type	Description
issue	string
state	string	Indian state or UT where the user lives, e.g. Karnataka
insurer*	string	Insurer slug

Input schema (JSON)

{
  "type": "object",
  "required": [
    "insurer"
  ],
  "properties": {
    "issue": {
      "enum": [
        "claim-rejected",
        "claim-partly-paid",
        "claim-delayed",
        "late-intimation",
        "cashless-denied",
        "refund",
        "service",
        "mis-selling",
        "other"
      ],
      "type": "string"
    },
    "state": {
      "type": "string",
      "description": "Indian state or UT where the user lives, e.g. Karnataka"
    },
    "insurer": {
      "type": "string",
      "description": "Insurer slug"
    }
  }
}

draft_complaint

A complaint letter ready to send, to the insurer (level insurer), its Grievance Redressal Officer (gro) or the Insurance Ombudsman (ombudsman, in the form Rule 14 requires), with to/cc addresses, subject, body and a mailto link. Ask the user for the facts; leave [BRACKETS] for anything unknown. Nothing is stored. The user sends it.

Argument	Type	Description
uin	string	Product UIN
name	string	Complainant name
email	string	E-mail
facts	string	What happened, with dates
issue	string
level	string
phone	string	Phone
state	string	State, for the Ombudsman office
amount	string	Amount in rupees
relief	string	What the user wants
address

find_forms

An insurer's forms: claim forms, complaint and grievance forms, service requests (nominee, refund, surrender, KYC) and proposal forms, with field counts and the original PDF.

Argument	Type	Description
q	string	Words in the title or in what the form is for, e.g. death, nominee, cashless
insurer	string	Insurer slug
purpose	string

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "q": {
      "type": "string",
      "description": "Words in the title or in what the form is for, e.g. death, nominee, cashless"
    },
    "insurer": {
      "type": "string",
      "description": "Insurer slug"
    },
    "purpose": {
      "enum": [
        "claim",
        "complaint",
        "service",
        "proposal"
      ],
      "type": "string"
    }
  }
}

get_form

One form, field by field as printed: sections, each field's label, type, whether required and what to write; documents to attach; where to send it; deadlines; and, for fillable PDFs, the PDF's own field names. Walk the user through it one field at a time; never invent answers.

Argument	Type	Description
id*	integer	Form id from find_forms or complaint_path

Input schema (JSON)

{
  "type": "object",
  "required": [
    "id"
  ],
  "properties": {
    "id": {
      "type": "integer",
      "description": "Form id from find_forms or complaint_path"
    }
  }
}

get_insurer

An insurer by slug (or all insurers without one): registration, type, claim and complaint record by year with source, claim and grievance contacts, and its products.

Argument	Type	Description
slug	string	Insurer slug; omit for the list

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "slug": {
      "type": "string",
      "description": "Insurer slug; omit for the list"
    }
  }
}

get_policy

Everything about one product by UIN: each fact read from its documents (waiting periods, limits, co-pay, exclusions, claims, renewal rights...) with the verbatim policy para (field `quote`), the clause and page it came from, its check status, and the law behind it; plus its documents, versions, where to buy and where to claim. status "not-stated" means the documents do not say: never fill it from memory.

Argument	Type	Description
uin*	string	IRDAI UIN of the product

Input schema (JSON)

{
  "type": "object",
  "required": [
    "uin"
  ],
  "properties": {
    "uin": {
      "type": "string",
      "description": "IRDAI UIN of the product"
    }
  }
}

get_policy_clause

The exact text of one clause by clause_id (from get_policy sources or search_policy_text), with its pages and the product it belongs to.

Argument	Type	Description
clause_id*	integer

Input schema (JSON)

{
  "type": "object",
  "required": [
    "clause_id"
  ],
  "properties": {
    "clause_id": {
      "type": "integer"
    }
  }
}

insurer_contacts

How to reach an insurer for claims and complaints: claim and cashless desks, customer care, grievance e-mails, the Grievance Redressal Officer, senior citizen desks, escalation, with each value's source page and date. Use the value exactly; tell the user to check the source.

Argument	Type	Description
insurer*	string	Insurer slug (from get_insurer or search_policies)

Input schema (JSON)

{
  "type": "object",
  "required": [
    "insurer"
  ],
  "properties": {
    "insurer": {
      "type": "string",
      "description": "Insurer slug (from get_insurer or search_policies)"
    }
  }
}

list_categories

The types of insurance (health, critical illness, term life, ULIP, motor, home, travel...) with slugs and product counts. With category, the fields read for that type and what each means.

Argument	Type	Description
category	string	Category slug, to get its fields

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "category": {
      "type": "string",
      "description": "Category slug, to get its fields"
    }
  }
}

report_correction

Tell IndiaInsurances a fact is wrong or outdated, with evidence (document and page) if possible. Ask the user before sending anything they wrote.

Argument	Type	Description
key	string	Fact key from get_policy
uin	string	Product UIN
message*	string	What is wrong
evidence	string	Where the right answer is written

Input schema (JSON)

{
  "type": "object",
  "required": [
    "message"
  ],
  "properties": {
    "key": {
      "type": "string",
      "description": "Fact key from get_policy"
    },
    "uin": {
      "type": "string",
      "description": "Product UIN"
    },
    "message": {
      "type": "string",
      "description": "What is wrong"
    },
    "evidence": {
      "type": "string",
      "description": "Where the right answer is written"
    }
  }
}

request_help

Send the user's request to IndiaInsurances' team ([email protected]) for free help buying, porting, a claim or a policy review; the team replies by e-mail. ASK THE USER FIRST and set consent true only if they agree to be contacted. Details are not passed to any insurer, agent or broker.

Argument	Type	Description
uin	string	Product UIN, if about one product
city	string	City
name	string	User's name
need*	string
email	string	User's e-mail
phone	string	User's phone
consent*	boolean
message	string	What they need, in a sentence or two. No medical records.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "need",
    "consent"
  ],
  "properties": {
    "uin": {
      "type": "string",
      "description": "Product UIN, if about one product"
    },
    "city": {
      "type": "string",
      "description": "City"
    },
    "name": {
      "type": "string",
      "description": "User's name"
    },
    "need": {
      "enum": [
        "buy",
        "port",
        "claim",
        "review",
        "other"
      ],
      "type": "string"
    },
    "email": {
      "type": "string",
      "description": "User's e-mail"
    },
    "phone": {
      "type": "string",
      "description": "User's phone"
    },
    "consent": {
      "type": "boolean"
    },
    "message": {
      "type": "string",
      "description": "What they need, in a sentence or two. No medical records."
    }
  }
}

search_insurance_law

Indian insurance law: the Insurance Act, IRDAI regulations and master circulars, ombudsman rules. Without slug: the instruments, and with q the sections that hold the most of its words (each with its text and link); with slug, the instrument with all its sections and plain-language notes.

Argument	Type	Description
q	string	Words, e.g. moratorium, free look, grievance
slug	string	Instrument slug from the list

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "q": {
      "type": "string",
      "description": "Words, e.g. moratorium, free look, grievance"
    },
    "slug": {
      "type": "string",
      "description": "Instrument slug from the list"
    }
  }
}

search_policies

Find Indian insurance products by words in the name, insurer (slug), type of insurance (category slug from list_categories), line (life, health, general) or status (active, withdrawn). A UIN in q returns that product. Start here when you only have a name.

Argument	Type	Description
q	string	Product name words or a UIN
line	string
limit	integer
offset	integer
status	string
insurer	string	Insurer slug from get_insurer or the results
category	string	Category slug, e.g. health-indemnity, term-life, motor-car

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "q": {
      "type": "string",
      "description": "Product name words or a UIN"
    },
    "line": {
      "enum": [
        "life",
        "health",
        "general"
      ],
      "type": "string"
    },
    "limit": {
      "type": "integer",
      "maximum": 100,
      "minimum": 1
    },
    "offset": {
      "type": "integer",
      "minimum": 0
    },
    "status": {
      "enum": [
        "active",
        "withdrawn"
      ],
      "type": "string"
    },
    "insurer": {
      "type": "string",
      "description": "Insurer slug from get_insurer or the results"
    },
    "category": {
      "type": "string",
      "description": "Category slug, e.g. health-indemnity, term-life, motor-car"
    }
  }
}

search_policy_text

Full-text search inside one product's documents (wording, prospectus, CIS) for words like 'cataract', 'air ambulance', 'suicide'. Returns matching clauses with page and link. Use when get_policy does not cover the question.

Argument	Type	Description
q*	string	Words to find
uin*	string	Product UIN

Input schema (JSON)

{
  "type": "object",
  "required": [
    "uin",
    "q"
  ],
  "properties": {
    "q": {
      "type": "string",
      "description": "Words to find"
    },
    "uin": {
      "type": "string",
      "description": "Product UIN"
    }
  }
}