IndiaInsurances MCP Server: every Indian insurance policy, clause by clause, for AI agents

Search every insurance product sold in India (life, health, general), read its waiting periods, limits, co-pay, exclusions, claims and renewal rights with the verbatim clause and page, compare products and check insurer records, from Claude, ChatGPT, Cursor, Cline or any MCP client. Free, no key.

MCP endpoint: https://indiainsurances.com/mcp · Transport: Streamable HTTP · Auth: none · Tools: 11 · Website: indiainsurances.com

This repository is the public listing for the hosted IndiaInsurances MCP server: connection instructions, the registry manifest (server.json) and client config files. There is nothing to install or self-host; the server runs at the URL above.

Connect in one step

Add this URL to any MCP client that supports remote servers:

https://indiainsurances.com/mcp

Cline

Open Cline → MCP Servers → Remote Servers, name it indiainsurances, paste the URL above and click Add. Or add this to cline_mcp_settings.json:

{
  "mcpServers": {
    "indiainsurances": {
      "type": "streamableHttp",
      "url": "https://indiainsurances.com/mcp"
    }
  }
}

Claude (claude.ai, Claude Desktop, Claude mobile)

Settings → Connectors → Add custom connector → paste the URL above → Connect.

Claude Code

claude mcp add --transport http indiainsurances https://indiainsurances.com/mcp

ChatGPT

Settings → Apps & Connectors → Advanced → enable Developer mode → Create a connector → paste the URL above.

Cursor, Windsurf and other JSON-config clients

{
  "mcpServers": {
    "indiainsurances": {
      "url": "https://indiainsurances.com/mcp"
    }
  }
}

VS Code (GitHub Copilot)

Add to .vscode/mcp.json:

{
  "servers": {
    "indiainsurances": {
      "type": "http",
      "url": "https://indiainsurances.com/mcp"
    }
  }
}

Gemini CLI

gemini extensions install https://github.com/rchtjn2-gif/indiainsurances-mcp-server

Clients that only support stdio

Bridge the remote URL with mcp-remote:

{
  "mcpServers": {
    "indiainsurances": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://indiainsurances.com/mcp"]
    }
  }
}

Authentication

None. Connect and use it: no key, no sign-up.

What data it covers

Data date 16 Oct 2026 (from the server's about_dataset tool):

14,142 products from 78 insurers listed (1,307 currently on sale)
98 products read clause by clause from 308 documents (policy wording, prospectus, customer information sheet): 38,478 clauses and 3,167 sourced facts
Every fact carries the verbatim quote, clause and page; "not-stated" means the documents don't say
Insurer records (registration, claim and complaint record by year, grievance contacts) and Indian insurance law (Insurance Act, IRDAI regulations and master circulars, ombudsman rules)

Tools (11)

Tool	What it does
`search_policies`	Find products by name, insurer, category, line (life, health, general) or status
`get_policy`	Everything about one product by UIN, each fact with its verbatim quote and clause
`search_policy_text`	Full-text search inside one product's documents (e.g. "cataract", "air ambulance")
`get_policy_clause`	The exact text of one clause, with its pages
`compare_policies`	Two to four products side by side, differences flagged, every value sourced
`list_categories`	Types of insurance with slugs and product counts
`get_insurer`	An insurer's registration, claim and complaint record, contacts and products
`search_insurance_law`	The Insurance Act, IRDAI regulations, master circulars and ombudsman rules
`request_help`	Add the user to IndiaInsurances' free help list (only with the user's consent)
`report_correction`	Report a wrong or outdated fact, with evidence
`about_dataset`	Counts of insurers, products, documents and facts, and the data date

Example prompts

"What is the waiting period for pre-existing diseases in this health policy? Quote the clause."
"Compare these two term plans on exclusions and claim settlement."
"Does this policy cover cataract surgery, and is there a sub-limit?"
"What is this insurer's claim and complaint record?"
"What does IRDAI say about the moratorium period on health policies?"

Pricing

Free. No key, no sign-up, no commission. IndiaInsurances does not sell insurance.

Notes

This is information, not advice. Answers should cite the product page and clause, and never promise that a claim will be paid.

About this repository

This repo holds listing and configuration files only. The IndiaInsurances MCP server is a hosted service operated by IndiaInsurances; its use is governed by the terms linked above. The files in this repository are released under the MIT licence.

IndiaInsurances MCP Server: every Indian insurance policy, clause by clause, for AI agents