Connect Claude, ChatGPT, Cursor or your own agent to the VHIS Hong Kong engine. It prices all 579 certified plans from 33 insurers from the schedules each insurer filed with the Health Bureau, reads the plan wording, and shows what every insurer has done to premiums since 2021. Same engine, same numbers as Nomi on this site.
Streamable HTTP, stateless, no sign-in for the open tier. In claude.ai: Settings, Connectors, Add custom connector, paste the URL, choose No sign-in. In ChatGPT: turn on developer mode in workspace settings, then add it as a custom connector. In Perplexity: Account settings, Connectors, Custom connector, Remote, transport Streamable HTTP, authentication None. In Claude Desktop, Cursor, Gemini CLI or any client that takes a config:
{ "mcpServers": { "vhis": { "url": "https://mcp.vhishongkong.com/mcp" } } }
| Tool | What it does | Tier |
|---|---|---|
find_plans | Ranks every eligible plan on coverage and real cost, returns three explained picks: lowest 10-year cost, best cover for the money, most comprehensive | open |
plan_coverage | What one plan pays, item by item from its Benefit Schedule | open |
plan_terms | The plan's terms as filed, field by field with the page each came from | open |
plan_options | Every option under one certification number, priced at an age | open |
premium_history | Every schedule filed for a plan since 2021, age held constant | open |
insurer_increases | One insurer's rate record and the market table | open |
search_plan_terms | Clauses from the official Terms and Benefits with plan, part, page and link | open |
adviser_notes | Adviser and scheme guidance: underwriting, claims, switching, tax | open |
treatment_cost | What private hospitals published they billed for a procedure, and what a plan pays of it | open |
search | Clauses from the plan documents as records a client can fetch, for the agents that look for a tool named search | open |
fetch | One plan's whole record by id: what it pays and every term as filed | open |
list_insurers | The insurers this server can price | open |
price_plans | The full price list ranked by annual premium | key |
compare_plans | Two or three plans side by side on what actually differs | key |
estimate_renewal | Next year's premium: the certain age step plus a range from the insurer's record | key |
create_lead | Hands the person to a licensed adviser and returns a reference | open |
Fifteen tools are read-only and say so in their annotations. The open tier is rate limited per IP. Every number comes from the engine; the server has no general query and nothing outside this list.
A key unlocks the four keyed tools and the ranked market table, and lifts the rate limit. Free for brokers, advisers and developers while the server is in preview. Tell us who you are and what you are building.
Premiums are annual, in the plan currency, before the Insurance Authority levy. Rate history is a track record, never a forecast. The server does not say whether anyone will be accepted or which plan to buy: underwriting is decided at issue and the choice is the person's. Health details are never carried on a lead.