# IndiaInsurances

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

- name: com.indiainsurances/mcp
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 83/100 flags: no-repository
- quality: 73/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.indiainsurances%2Fmcp
- tools: https://api.protogrid.dev/v1/servers/com.indiainsurances%2Fmcp/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "indiainsurances": {
      "type": "http",
      "url": "https://indiainsurances.com/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% +updated-3d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 73/100 (new)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-06-18; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 71 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: get_policy_clause (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); search_policy_text (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); compare_policies (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); …
- pass `tools.token_cost`: about 2,095 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`: tool history recorded for 3 of the 7 days needed

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 16, about 2,095 tokens to load them all
- tool set hash: 8aa15eecbf9a7688b03d259943bc6e8a
- tools last changed: 2026-10-20T06:49:08.792Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.indiainsurances/mcp.svg)](https://protogrid.dev/servers/com.indiainsurances/mcp)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-20 `request_help` changed (description)
  - before: Put the user on IndiaInsurances' free help list for buying, porting, a claim or a policy review. ASK THE USER FIRST and set consent true only if they agree to be contacted. Not a sale; details are not passed to anyone.
  - after: Send the user's request to IndiaInsurances' team (support@indiainsurances.com) 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.
- 2026-10-20 `get_form` added
  - 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.
- 2026-10-20 `find_forms` added
  - 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.
- 2026-10-20 `draft_complaint` added
  - 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.
- 2026-10-20 `complaint_path` added
  - 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.
- 2026-10-20 `insurer_contacts` added
  - 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.

Full history: https://api.protogrid.dev/v1/servers/com.indiainsurances%2Fmcp/changes

## Remotes

- https://indiainsurances.com/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (16)

- `about_dataset`: What IndiaInsurances holds: counts of insurers, products, products read clause by clause, documents and facts, and the data date.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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 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.
- `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.
- `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.
- `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.
- `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.
- `request_help`: Send the user's request to IndiaInsurances' team (support@indiainsurances.com) 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.
- `search_insurance_law`: Indian insurance law: the Insurance Act, IRDAI regulations and master circulars, ombudsman rules. Without slug, a list (filter with q); with slug, the instrument with its sections and plain-language notes.
- `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.
- `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.