# com.vhishongkong/vhis (remote · mcp.vhishongkong.com)

Price all 579 VHIS certified plans in Hong Kong, read filed terms, see premium increases since 2021

- Trust score: 76/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-05

## Components

- remote · `mcp.vhishongkong.com`: 76/100 (this document), [markdown](https://verifymcp.io/servers/com-vhishongkong-vhis/mcp.md), [page](https://verifymcp.io/servers/com-vhishongkong-vhis/mcp)

## Channel facts

- Endpoint: `https://mcp.vhishongkong.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 2026-10-05.

- **Endpoint Security**: 74/100
  - 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 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**: 56/100
  - 33% 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 2497 tokens (~138/item across 18 items; 16 tools + 2 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 63/100
  - Stability observed for 19 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 92/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 72% 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.
  - We read all 16 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 18 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the com.vhishongkong/vhis MCP server?

com.vhishongkong/vhis is a hosted endpoint at https://mcp.vhishongkong.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-vhishongkong-vhis 'https://mcp.vhishongkong.com/mcp'
```

### Cursor

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

### VS Code

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

### Codex

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

### opencode

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

### OpenClaw

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

### Hermes

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

### Netclaw

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

### Vellum

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

### Other

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

### 2026-10-05 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 60 to 63. That category is still filling its 30-day observation window: 18 days of observed history at the previous scan, 19 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-03 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-30 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-29 (score 73, 0)

- [security] The server rewrote its instructions, which are the text every model session reads

### 2026-09-28 (score 73, +8)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-26 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 30 to 33. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 10 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-25 (score 64, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-24 (score 64, +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.

## MCP tools (16)

### `find_plans` (~382 tokens)

Find plans on coverage and price

The plan finder. Ranks every eligible VHIS plan on what it covers and what it really costs, and returns three
    explained picks (lowest cost over the period, best coverage for the money, most comprehensive) with a ranked list
    behind them. Coverage is read from each plan's Benefit Schedule; cost is the published premium for every year from
    this age, and the same again with the insurer's own filed rate changes applied. Age is the only thing it needs;
    pass whatever else the person has actually said.

Input parameters:

- `age` (integer, required): Age last birthday, as the premium schedules state it
- `budget_annual`: Most they want to pay in the first year, in the plan currency
- `currency` (string)
- `gender` (string): M or F, as the schedules rate it
- `insurers`: Restrict to these brands, e.g. ["Bupa","AXA"]
- `limit` (integer)
- `max_deductible`: 0 for no deductible; leave empty to allow deductible plans, which cost less
- `needs`: Must-haves they named, any of: full_cover, no_annual_limit, mental_health, cancer, outpatient_general, dental, maternity, chinese_medicine, health_check, emergency_assistance, cash_benefit, second_op…
- `priority` (string): What matters most to them
- `room`: Minimum hospital room class wanted: Ward | Semi-private | Private
- `smoker` (boolean): True only if the person said they smoke; a few plans rate for it
- `territory`: Where cover is needed: hong_kong | greater_china | asia | worldwide_ex_us | worldwide
- `years` (integer): Period the cost is totalled over

### `price_plans` (~205 tokens)

Price plans

Every matching plan ranked by annual premium alone, with no view on coverage. Use it when someone asks for the
    cheapest, for a full list, or for one insurer's prices. When what the plan covers matters, use find_plans. Needs a key on the public server; without one it returns key_required and tells the user where to get one.

Input parameters:

- `age` (integer, required): Age last birthday, as the premium schedules state it
- `gender` (string): M or F, as the schedules rate it
- `insurers`: Brand names to restrict to
- `limit` (integer)
- `max_deductible`: Highest deductible acceptable; 0 for none
- `one_per_product` (boolean): Cheapest matching option per product rather than every option
- `plan_type`
- `room`: Ward | Semi-private | Private
- `smoker` (boolean): True only if the person said they smoke; a few plans rate for it

### `plan_coverage` (~128 tokens)

What one plan covers

What one plan actually pays, item by item from its own Benefit Schedule: full cover or the published cap on
    room and board, hospital charges, surgeon's fee, imaging, cancer treatment and psychiatric care, plus the annual
    and lifetime limits, room class, territory, extras and a coverage score. Use it for "what does this cover", "is
    surgery covered in full", "does it include outpatient".

Input parameters:

- `cert` (string, required): VHIS certification number from an earlier result, e.g. F00070 or F00070-06-000-02

### `plan_terms` (~145 tokens)

What one plan document states

The plan's terms as filed with the Health Bureau, field by field with the page each came from: guaranteed
    renewal age, entry ages, pre-existing condition schedule, waiting period, room class and higher-room rule,
    territory, full cover, limits, deductible basis, coinsurance, outpatient, psychiatric, cancer, extras, cancellation,
    switching and exclusions beyond the standard list. Use it for "does it cover X", "what is the rule on Y" and terms
    comparisons; cite the page.

Input parameters:

- `cert` (string, required): VHIS certification number from an earlier result, e.g. F00070 or F00070-06-000-02

### `plan_options` (~125 tokens)

All options under one plan

Every option sold under one certification number, with its room class, deductible and area, priced at this age
    when an age is given, plus what the premium becomes every five years to twenty years out.

Input parameters:

- `age`
- `cert` (string, required): VHIS certification number from an earlier result, e.g. F00070 or F00070-06-000-02
- `gender` (string): M or F, as the schedules rate it
- `smoker` (boolean): True only if the person said they smoke; a few plans rate for it

### `compare_plans` (~163 tokens)

Compare two or three plans

Side by side on what actually differs: premium now and at 65, next-year range, deductible, room class, limits,
    area and each insurer's rate record. Use it for "which is better" and "why is one cheaper"; state the trade-off and
    let the person choose. Needs a key on the public server; without one it returns key_required and tells the user where to get one.

Input parameters:

- `age` (integer, required): Age last birthday, as the premium schedules state it
- `gender` (string): M or F, as the schedules rate it
- `option_ids` (array, required): Option ids from an earlier result
- `smoker` (boolean): True only if the person said they smoke; a few plans rate for it

### `premium_history` (~146 tokens)

A plan's premium record

How a plan's premium has moved since 2021: every schedule the insurer filed, the premium at this age under each
    one with the age held constant, the year-on-year changes and the average. Use it for "has this gone up" and "is
    this insurer stable".

Input parameters:

- `age` (integer)
- `cert` (string, required): VHIS certification number from an earlier result, e.g. F00070 or F00070-06-000-02
- `gender` (string): M or F, as the schedules rate it
- `smoker` (boolean): True only if the person said they smoke; a few plans rate for it

### `insurer_increases` (~71 tokens)

Insurer and market rate changes

An insurer's rate record across all its VHIS plans since 2021, by year, alongside the market table with every
    insurer ranked from lowest average annual change to highest.

Input parameters:

- `brand`: Brand name, e.g. Bupa, AIA, AXA; omit for the market table

### `estimate_renewal` (~144 tokens)

What a plan may cost at renewal

The premium at age plus one on the current schedule, which is certain unless the insurer refiles, plus a low,
    mid and high range built from this plan's own rate changes since 2021. Needs a key on the public server; without one it returns key_required and tells the user where to get one.

Input parameters:

- `age` (integer, required): Age last birthday, as the premium schedules state it
- `gender` (string): M or F, as the schedules rate it
- `option_id` (string, required): Option id from an earlier result
- `smoker` (boolean): True only if the person said they smoke; a few plans rate for it

### `search_plan_terms` (~138 tokens)

Search the plan wording

Search the official Terms and Benefits of the certified plans and return the clauses, each with the plan, Part,
    Section, page and a link to that page. Use it for exclusions, waiting periods, limits, room class rules,
    territorial scope, definitions, renewal and cancellation. Never state what a plan says without it.

Input parameters:

- `brand`: Scope to one insurer
- `cert`: Scope to one plan when the person is looking at it
- `limit` (integer)
- `question` (string, required): Plain words, e.g. "psychiatric treatment limit", "pre-existing conditions", "treatment in mainland China"

### `adviser_notes` (~60 tokens)

Adviser and scheme notes

Curated notes from licensed advisers and the scheme rules: how underwriting works, what usually happens with
    common conditions, switching, claims practice, tax. Guidance, not plan terms.

Input parameters:

- `brand`
- `question`
- `topic`

### `list_insurers` (~28 tokens)

Insurers on this instance

Every insurer this server can price, with how many certified plans and rate tables each has loaded.

### `treatment_cost` (~141 tokens)

What treatment costs and what a plan pays

What Hong Kong private hospitals published they actually billed for a procedure, hospital by hospital, with
    the doctor's fee and the hospital's charge separately, and what a named plan would pay of it. From the
    government's price transparency platform, not an estimate. Bills differ several-fold between hospitals, so never
    quote a single figure for Hong Kong without saying which hospital it belongs to.

Input parameters:

- `cert`: A certification number, to also work out what that plan pays of each bill
- `procedure`: e.g. "hernia repair", "caesarean section", "knee arthroscopy"; omit for the list of what is published

### `search` (~106 tokens)

Search the plan documents

Search every certified plan document and return matching records, each with an id, a title, a page link and the
    clause text. Call fetch with an id for that plan's full record. search_plan_terms is the same search with richer
    output; this pair exists because some clients look for tools named search and fetch.

Input parameters:

- `limit` (integer)
- `query` (string, required): What to look for, in plain words, e.g. "psychiatric treatment limit"

### `fetch` (~56 tokens)

Fetch one plan record

The full record behind a search id: what the plan pays and every term as filed, with the page of each clause.

Input parameters:

- `id` (string, required): An id from search, e.g. F00070-06-000-02

### `create_lead` (~164 tokens)

Hand over to a licensed adviser

Pass the person to a licensed adviser: saves the enquiry, emails them their shortlist, emails the adviser and
    returns a WhatsApp link and a reference. Only call it once they have given a name and a phone number or email and
    have said they want to be contacted. Never put a health detail in the note; the adviser asks directly. Needs a key on the public server; without one it returns key_required and tells the user where to get one.

Input parameters:

- `age`
- `email`
- `gender`
- `name` (string, required)
- `note`: What they asked for. Never any health detail.
- `option_id`: The plan they want to talk about
- `phone`
- `preferred_contact`

## Diagnostics

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

## Score history

- 2026-10-05: 76
- 2026-10-04: 75
- 2026-10-03: 75
- 2026-10-02: 74
- 2026-10-01: 74
- 2026-09-30: 74
- 2026-09-29: 73
- 2026-09-28: 73
- 2026-09-27: 65
- 2026-09-26: 65
- 2026-09-25: 64
- 2026-09-24: 64
- 2026-09-23: 63
- 2026-09-22: 63
- 2026-09-21: 62
- 2026-09-20: 62
- 2026-09-19: 61
- 2026-09-18: 61
- 2026-09-17: 60
- 2026-09-16: 60

## Common questions

### What is the com.vhishongkong/vhis MCP server?

com.vhishongkong/vhis is an MCP server listed in the public MCP registry as com.vhishongkong/vhis. Price all 579 VHIS certified plans in Hong Kong, read filed terms, see premium increases since 2021. This page covers its hosted endpoint (https://mcp.vhishongkong.com/mcp).

### Is the com.vhishongkong/vhis MCP server safe to use?

com.vhishongkong/vhis scores 76 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 com.vhishongkong/vhis MCP server expose?

com.vhishongkong/vhis exposes 16 tools: find_plans, price_plans, plan_coverage, plan_terms, plan_options, and 11 more. Their descriptions and schemas cost roughly 2,202 tokens of context every time the server is loaded.

### Does the com.vhishongkong/vhis MCP server require authentication?

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

### Is the com.vhishongkong/vhis MCP server still maintained?

com.vhishongkong/vhis is still listed as active in the MCP registry. We last reached this channel on 5 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://mcp.vhishongkong.com/mcp
- Repository: https://github.com/buglowmo-AiMaster/VHIS-HongKong
- Changelog RSS feed: https://verifymcp.io/servers/com-vhishongkong-vhis/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-vhishongkong-vhis/mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-vhishongkong-vhis/mcp