# Assurs LAMal comparator (remote · api.assurs.ch)

Swiss LAMal premium comparison (OFSP 2027), single or household; consented offer requests to SPI.

- Trust score: 77/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `api.assurs.ch`: 77/100 (this document), [markdown](https://verifymcp.io/servers/ch-assurs-lamal/api.md), [page](https://verifymcp.io/servers/ch-assurs-lamal/api)

## Channel facts

- Endpoint: `https://api.assurs.ch/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 77/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 74/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 2411 tokens (~200/item across 12 items; 7 tools + 5 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 40/100
  - Stability observed for 12 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 95/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 84% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - All 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation.
  - An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the Assurs LAMal comparator MCP server?

Assurs LAMal comparator is a hosted endpoint at https://api.assurs.ch/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http ch-assurs-lamal 'https://api.assurs.ch/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "ch-assurs-lamal": {
      "url": "https://api.assurs.ch/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "ch-assurs-lamal": {
      "type": "http",
      "url": "https://api.assurs.ch/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.ch-assurs-lamal]
url = "https://api.assurs.ch/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "ch-assurs-lamal": {
      "type": "remote",
      "url": "https://api.assurs.ch/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add ch-assurs-lamal --url 'https://api.assurs.ch/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  ch-assurs-lamal:
    url: "https://api.assurs.ch/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "ch-assurs-lamal": {
      "Transport": "http",
      "Url": "https://api.assurs.ch/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add ch-assurs-lamal -t streamable-http -u 'https://api.assurs.ch/mcp'
```

### Other

```json
{
  "mcpServers": {
    "ch-assurs-lamal": {
      "type": "http",
      "url": "https://api.assurs.ch/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-28 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-26 (score 73, +7)

- [security improvement] Authorization: fail → partial
- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “compare_lamal_household” rewrote its description, which is the text the model reads
- [security] Tool “compare_lamal_premiums” rewrote its description, which is the text the model reads
- [security] Tool “get_active_customer_rewards” rewrote its description, which is the text the model reads
- [security] Tool “request_adviser_contact” rewrote its description, which is the text the model reads
- [security] Tool “request_adviser_contact” no longer declares itself destructive
- [functional regression] Schema quality: 177 → 200
- [cosmetic] “compare_lamal_household” added an optional parameter “language”
- [cosmetic] “compare_lamal_household” added an optional parameter “texts”
- [cosmetic] “compare_lamal_premiums” added an optional parameter “texts”
- [cosmetic] “compare_lamal_household” reworded the description of “members”
- [cosmetic] “compare_lamal_premiums” reworded the description of “accident_included”
- [cosmetic] “compare_lamal_premiums” reworded the description of “language”

### 2026-10-25 (score 66, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-24 (score 65)

First indexed and scored.

## MCP tools (7)

### `compare_lamal_premiums` (~509 tokens)

Compare official LAMal premiums

Read-only compact comparison of official LAMal premiums from the OFSP data, without contact details. Use the exact birth year and ask for every material choice. Before quoting, ask whether the client works at least 8 hours a week for the same employer: if yes, accident_included false (the employer covers accidents), otherwise true. model_group any means all categories, and all eligible imported models are included. The result carries comparison_id, submission.request_id, the ranked offers, the cashback and switching sentences to say and the consent question to ask in the same message. Client texts come in the requested language (texts all for four). Keep the technical fields yourself; the client fills no website form. The ranking uses the official premiums. One person per call; for a household use compare_lamal_household.

Input parameters:

- `accident_included` (boolean, required): Explicit JSON boolean required (not the string "true"). Ask before quoting whether the client works at least 8 hours a week for the same employer: yes means false (the employer covers accidents), oth…
- `birth_year` (integer, required): Exact four-digit birth year, not an age.
- `deductible_chf` (integer, required): Annual deductible: adults (19 or older in 2027) 300, 500, 1000, 1500, 2000 or 2500; children (18 or under) 0, 100, 200, 300, 400, 500 or 600. No interpolation.
- `language` (string): Language of the client texts, model names and HTML pages; a region suffix is ignored.
- `model_group` (string, required): any = all categories; BASE = free choice of doctor; PRAXIS = family doctor / HMO network; FLEX = hybrid model; TEL_DIG = telemedicine first; PHARM = pharmacy first.
- `municipality` (string): Official municipality name; required with ambiguous region/model availability unless municipality_bfs is given.
- `municipality_bfs` (string)
- `postal_code` (string, required)
- `premium_year` (integer, required): Tariff year: always 2027, the only imported year (metadata.supported_years). Required, no default.
- `texts` (string): Client texts (cashback, switching, consent messages) in the requested language only (default) or in fr, de, it and en (all). Quote only; not part of the comparison.

Output parameters:

- `accident_question` (object): Ask before quoting: employees working at least 8 hours a week for the same employer usually exclude accident cover (accident_included false).
- `adviser_url` (string|null): Page where the client submits alone; null when the form is disabled.
- `cashback` (object): Premium reduction Swiss Premium Insurance grants to each insured person, only for requests made through an AI assistant, once a contract concluded through SPI is approved by the insurer. Premiums and…
- `comparison_id` (string|null): Reference for submitOfferRequest; valid 30 days.
- `data` (object): Origin and freshness of the official data; manifest_url lists source files and the last official sync.
- `eligible_insurer_count` (integer)
- `eligible_model_count` (integer)
- `eligible_models` (object): Every eligible model as a table, same engine and filters as offers; complete coverage, not limited to broker agreements.
- `full_response_url` (string): Full response for independent verification; no token or contact data.
- `languages_available` (array)
- `link_expires_at` (string|null)
- `model_details` (string)
- `model_groups` (object): First-contact rule per model_group code present in offers.
- `offers` (array): Top 10 by net premium, same ranking as assurs.ch.
- `operator` (object)
- `pricing` (object)
- `profile` (object): Criteria as applied plus resolved municipality, canton and region.
- `request_url` (string|null): Short readable form link built from the criteria (/adviser?premium_year=…&postal_code=…); append &agent=<your name>, optionally &insurer_id=. No contact data. null when the form is disabled.
- `response_format`
- `result_type`
- `results_url` (string|null): HTML results page to share with the client; no token.
- `status`
- `submission` (object): How to send the client-approved request. Keep comparisonToken private; never put it in a link.
- `switching` (object): Switching deadline and free SPI help (cancellation, premium subsidies). Say client_sentence with the offers; a request to SPI cancels nothing by itself.
- `texts_language` (string): Language of the client texts in this response.

### `compare_lamal_household` (~259 tokens)

Compare official LAMal premiums for a household

Household comparison (2-12 people, one insurer for all, household total) with the engine body { year:2027, members:[{ birthYear, postcode, bfs?, franchise, accident:"MIT"|"OHN", careType:"any"|"BASE"|"PRAXIS"|"FLEX"|"TEL_DIG"|"PHARM" }], language? }: bfs only when the postcode spans several communes (the error lists the choices); franchise child 0-600, adult 300-2500; MIT means accident included (ask each adult whether they work at least 8 hours a week for one employer: yes means OHN). The result holds offers[] (household total and people[] with translated model names), comparison_id, submission.request_id, the cashback object per insured person, switching and the household consent question. Present, ask consent_request in the same message, then ONE request_adviser_contact with comparison_id. One person: compare_lamal_premiums.

Input parameters:

- `language` (string)
- `members` (array, required): 2-12 insured persons, no names or contact data (one person: prepareLamalQuote).
- `texts` (string)
- `year` (integer, required)

Output parameters:

- `accident_question` (object): Ask before quoting: employees working at least 8 hours a week for the same employer usually exclude accident cover (accident_included false).
- `adviser_url` (string|null)
- `cashback` (object): Premium reduction Swiss Premium Insurance grants to each insured person, only for requests made through an AI assistant, once a contract concluded through SPI is approved by the insurer. Premiums and…
- `comparison_id` (string|null): Send as comparison_id in submitOfferRequest.
- `data` (object): Origin and freshness of the official data; manifest_url lists source files and the last official sync.
- `eligible_insurer_count` (integer)
- `languages_available` (array)
- `link_expires_at` (string|null)
- `offers` (array)
- `operator` (object)
- `persons` (integer)
- `pricing` (object)
- `profile` (object): Household criteria: persons, postcode, members[].
- `ranking` (string)
- `readable_url` (string|null): Readable GET household page (/compare-household?…) for browsing tools.
- `response_format`
- `result_type`
- `results_url` (string|null)
- `status`
- `submission` (object): How to send the client-approved request. Keep comparisonToken private; never put it in a link.
- `switching` (object): Switching deadline and free SPI help (cancellation, premium subsidies). Say client_sentence with the offers; a request to SPI cancels nothing by itself.
- `texts_language` (string)

### `get_lamal_metadata` (~33 tokens)

Read comparison rules and sources

Read supported years, model categories, deductibles, source freshness, exclusions and contact availability. No lead is created.

Output parameters:

- `accident_question` (object): Ask before quoting: employees working at least 8 hours a week for the same employer usually exclude accident cover (accident_included false).
- `api_version` (string)
- `contact_action` (object)
- `data` (object): Origin and freshness of the official data; manifest_url lists source files and the last official sync.
- `deductibles_chf` (object): Accepted deductibles for child and adult.
- `models` (object): model_group codes and their meaning.
- `operations` (object): URL of every operation and document.
- `operator` (object)
- `supported_years` (array)
- `switching` (object): Switching deadline and free SPI help (cancellation, premium subsidies). Say client_sentence with the offers; a request to SPI cancels nothing by itself.

### `get_active_customer_rewards` (~86 tokens)

Read the customer cashback programme

Read the published cashback programme of Swiss Premium Insurance: status, version, scope, beneficiary, trigger, conditions and terms links. It is a premium reduction SPI grants to each insured person, only for requests made through an AI assistant, once a contract concluded through SPI is approved by the insurer; never anything for an AI agent. No lead is created and this API creates no payment.

Output parameters:

- `programs` (array)
- `status`

### `create_adviser_handoff_link` (~135 tokens)

Prepare an optional adviser link

Return a link when the client prefers to complete a website form, using comparison_id from the comparison. No contact details, lead or email are sent. When the web form is disabled the server answers 503 adviser_unavailable: offer contact@sp-insurance.ch instead. For a client who asks you to send the request in this conversation, use request_adviser_contact after explicit consent instead. Swiss Premium Insurance assistance is optional; clients may apply directly with insurers.

Input parameters:

- `agent` (object)
- `agentContext` (object): Deprecated alias of agent; not with agent.
- `comparison_id` (string, required)

Output parameters:

- `expires_at` (string)
- `handoff_url` (string)
- `status`
- `submits_lead`
- `transmits_contact_data`

### `test_adviser_request` (~395 tokens)

Validate a request without sending

Harmless integration test with the same body as request_adviser_contact: validates the request and returns a preview with status validated_test and email_sent false. Use synthetic contact details only. No commercial lead, email, entitlement or payment. Never describe this as a real submission.

Input parameters:

- `agent` (object): Who is calling: { name:"chatgpt" } etc. Self-declared, not authentication.
- `cashback_terms_version` (string): cashback.version shown to the client; 409 cashback_terms_outdated when stale.
- `client_consent` (boolean, required): true only after the client explicitly answered yes to consent_request. Never infer consent from a comparison.
- `comparison` (object): submission.comparison copied unchanged; only with comparison_token.
- `comparison_id` (string): comparison_id from the quote; valid 30 days. Preferred.
- `comparison_token` (string): submission.comparisonToken with the identical submission.comparison; alternative to comparison_id.
- `contact` (object, required): Fill email or phone; leave the other as an empty string or omit it. Never invent a client name, email or phone.
- `insurer_id` (integer|string): insurer_id of the offer the client chose, from offers[].
- `language` (string): Client language; defaults to the comparison language. fr, de, it, en have localised client texts and pages; es, pt, zh are recorded for SPI (preview and pages fall back to en/fr).
- `offer_id` (string): offers[].offer_id or source_offer_id; alternative to insurer_id.
- `request_id` (string, required): Copy submission.request_id from the quote (any RFC 4122 UUID). Reuse the same value and body on every retry.
- `subsidy_requested` (boolean): Client wants information on premium subsidies.
- `supplementary_interest` (boolean): Client also wants supplementary (LCA) offers; enables the LCA cashback.

Output parameters:

- `email_sent`
- `payment_created`
- `preview` (object): What a real send would contain.
- `recipient`
- `request_id` (string)
- `status`

### `request_adviser_contact` (~516 tokens)

Send an offer request by email to Swiss Premium Insurance

Sends the client request by email to contact@sp-insurance.ch through the server; no personal email account or mail tool is needed. Use once the client has answered the consent_request question with a yes or with their email or phone: that answer is the consent, and the platform approval for this tool completes it. Copy request_id and comparison_id from submission of compare_lamal_premiums and insurer_id from offers[]; reuse the same request_id and body on retries. Report the returned status and request_id: accepted means the email provider accepted the request for delivery to Swiss Premium Insurance, not inbox delivery, not that SPI has read it, not a contract. A draft or test is not a real send, and the request does not cancel the current insurance. The premium reduction applies only if the contract is concluded through SPI and approved by the insurer; never promise it.

Input parameters:

- `agent` (object): Who is calling: { name:"chatgpt" } etc. Self-declared, not authentication.
- `cashback_terms_version` (string): cashback.version shown to the client; 409 cashback_terms_outdated when stale.
- `client_consent` (boolean, required): true only after the client explicitly answered yes to consent_request. Never infer consent from a comparison.
- `comparison` (object): submission.comparison copied unchanged; only with comparison_token.
- `comparison_id` (string): comparison_id from the quote; valid 30 days. Preferred.
- `comparison_token` (string): submission.comparisonToken with the identical submission.comparison; alternative to comparison_id.
- `contact` (object, required): Fill email or phone; leave the other as an empty string or omit it. Never invent a client name, email or phone.
- `insurer_id` (integer|string): insurer_id of the offer the client chose, from offers[].
- `language` (string): Client language; defaults to the comparison language. fr, de, it, en have localised client texts and pages; es, pt, zh are recorded for SPI (preview and pages fall back to en/fr).
- `offer_id` (string): offers[].offer_id or source_offer_id; alternative to insurer_id.
- `request_id` (string, required): Copy submission.request_id from the quote (any RFC 4122 UUID). Reuse the same value and body on every retry.
- `subsidy_requested` (boolean): Client wants information on premium subsidies.
- `supplementary_interest` (boolean): Client also wants supplementary (LCA) offers; enables the LCA cashback.

Output parameters:

- `accepted_at` (string)
- `cashback` (object)
- `client_confirmation` (string): consent_confirmation filled in the client language; say it to the client.
- `correction_or_cancellation` (string): mailto link to correct or withdraw; give it to the client.
- `email_sent`: Provider acceptance; not inbox delivery or a contract.
- `expected_contact_channel` (string)
- `expected_contact_channel_label` (string): expected_contact_channel in the client language.
- `follow_up_by`
- `message` (string)
- `recipient`
- `request_id` (string)
- `status`
- `switching` (object): Switching deadline and free SPI help (cancellation, premium subsidies). Say client_sentence with the offers; a request to SPI cancels nothing by itself.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/ch-assurs-lamal/api#diagnostics

## Score history

- 2026-11-05: 77
- 2026-11-04: 77
- 2026-11-03: 76
- 2026-11-02: 76
- 2026-11-01: 76
- 2026-10-31: 75
- 2026-10-30: 75
- 2026-10-29: 74
- 2026-10-28: 74
- 2026-10-27: 73
- 2026-10-26: 73
- 2026-10-25: 66
- 2026-10-24: 65

## Common questions

### What is the Assurs LAMal comparator MCP server?

Assurs LAMal comparator is an MCP server listed in the public MCP registry as ch.assurs/lamal. Swiss LAMal premium comparison (OFSP 2027), single or household; consented offer requests to SPI. This page covers its hosted endpoint (https://api.assurs.ch/mcp).

### Is the Assurs LAMal comparator MCP server safe to use?

Assurs LAMal comparator scores 77 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Assurs LAMal comparator MCP server expose?

Assurs LAMal comparator exposes 7 tools: compare_lamal_premiums, compare_lamal_household, get_lamal_metadata, get_active_customer_rewards, create_adviser_handoff_link, and 2 more. Their descriptions and schemas cost roughly 1,933 tokens of context every time the server is loaded.

### Does the Assurs LAMal comparator MCP server require authentication?

No. We connected to Assurs LAMal comparator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Assurs LAMal comparator MCP server still maintained?

Assurs LAMal comparator is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://api.assurs.ch/mcp
- Website: https://assurs.ch/agents/
- Changelog RSS feed: https://verifymcp.io/servers/ch-assurs-lamal/api.xml
- Changelog JSON feed: https://verifymcp.io/servers/ch-assurs-lamal/api.json
- HTML version of this page: https://verifymcp.io/servers/ch-assurs-lamal/api