# IndiaInsurances (remote · indiainsurances.com)

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

- Trust score: 64/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-18

## Components

- remote · `indiainsurances.com`: 64/100 (this document), [markdown](https://verifymcp.io/servers/com-indiainsurances-mcp/indiainsurances.md), [page](https://verifymcp.io/servers/com-indiainsurances-mcp/indiainsurances)

## Channel facts

- Endpoint: `https://indiainsurances.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## 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 2026-10-18.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 11 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 72/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1068 tokens (~97/item across 11 items; 11 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 3/100
  - Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 90/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 71% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 11 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 12 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### How do I install the IndiaInsurances MCP server?

IndiaInsurances is a hosted endpoint at https://indiainsurances.com/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 com-indiainsurances-mcp 'https://indiainsurances.com/mcp'
```

### Cursor

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

### VS Code

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

### Codex

```toml
[mcp_servers.com-indiainsurances-mcp]
url = "https://indiainsurances.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-indiainsurances-mcp": {
      "type": "remote",
      "url": "https://indiainsurances.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-indiainsurances-mcp --url 'https://indiainsurances.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-indiainsurances-mcp:
    url: "https://indiainsurances.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-indiainsurances-mcp": {
      "Transport": "http",
      "Url": "https://indiainsurances.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-indiainsurances-mcp -t streamable-http -u 'https://indiainsurances.com/mcp'
```

### Other

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

### 2026-10-18 (score 64, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-17 (score 64)

First indexed and scored.

## MCP tools (11)

### `search_policies` (~148 tokens)

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.

Input parameters:

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

### `get_policy` (~111 tokens)

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.

Input parameters:

- `uin` (string, required): IRDAI UIN of the product

### `search_policy_text` (~81 tokens)

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.

Input parameters:

- `q` (string, required): Words to find
- `uin` (string, required): Product UIN

### `get_policy_clause` (~46 tokens)

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.

Input parameters:

- `clause_id` (integer, required)

### `compare_policies` (~57 tokens)

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.

Input parameters:

- `uins` (array, required)

### `list_categories` (~65 tokens)

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.

Input parameters:

- `category` (string): Category slug, to get its fields

### `get_insurer` (~57 tokens)

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.

Input parameters:

- `slug` (string): Insurer slug; omit for the list

### `search_insurance_law` (~87 tokens)

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.

Input parameters:

- `q` (string): Words, e.g. moratorium, free look, grievance
- `slug` (string): Instrument slug from the list

### `request_help` (~148 tokens)

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.

Input parameters:

- `city` (string): City
- `consent` (boolean, required)
- `email` (string): User's e-mail
- `message` (string): What they need, in a sentence or two. No medical records.
- `name` (string): User's name
- `need` (string, required)
- `phone` (string): User's phone
- `uin` (string): Product UIN, if about one product

### `report_correction` (~85 tokens)

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

Input parameters:

- `evidence` (string): Where the right answer is written
- `key` (string): Fact key from get_policy
- `message` (string, required): What is wrong
- `uin` (string): Product UIN

### `about_dataset` (~35 tokens)

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

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-indiainsurances-mcp/indiainsurances#diagnostics

## Score history

- 2026-10-18: 64
- 2026-10-17: 64

## Common questions

### What is the IndiaInsurances MCP server?

IndiaInsurances is an MCP server listed in the public MCP registry as com.indiainsurances/mcp. Every Indian insurance policy, clause by clause, with verbatim quotes. Free, no API key. This page covers its hosted endpoint (https://indiainsurances.com/mcp).

### Is the IndiaInsurances MCP server safe to use?

IndiaInsurances scores 64 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 IndiaInsurances MCP server expose?

IndiaInsurances exposes 11 tools: search_policies, get_policy, search_policy_text, get_policy_clause, compare_policies, and 6 more. Their descriptions and schemas cost roughly 920 tokens of context every time the server is loaded.

### Does the IndiaInsurances MCP server require authentication?

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

### Is the IndiaInsurances MCP server still maintained?

IndiaInsurances is still listed as active in the MCP registry. We last reached this channel on 18 October 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://indiainsurances.com/mcp
- Website: https://indiainsurances.com/for-agents
- Changelog RSS feed: https://verifymcp.io/servers/com-indiainsurances-mcp/indiainsurances.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-indiainsurances-mcp/indiainsurances.json
- HTML version of this page: https://verifymcp.io/servers/com-indiainsurances-mcp/indiainsurances