Price all 579 VHIS certified plans in Hong Kong, read filed terms, see premium increases since 2021
| Endpoint | https://mcp.vhishongkong.com/mcp (streamable-http) |
|---|---|
| Registry version | 1.0.0 |
| Now | 16 tools · grade A (98) · pin ts_88e91824b1b94e8e703566fcb185191a · protocol 2025-06-18 |
| First / last listed | 2026-11-11 00:56 UTC / 2026-11-11 00:56 UTC |
| Grade over time | 2026-11-11: A (98), 16 tools |
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Tools: find_plans price_plans plan_coverage plan_terms plan_options compare_plans premium_history insurer_increases estimate_renewal search_plan_terms adviser_notes list_insurers treatment_cost search fetch create_lead
find_plans | 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 o params: age*, gender, smoker, room, territory, budget_annual, max_deductible, needs, priority, currency, insurers, years, limit |
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. params: age*, gender, smoker, room, max_deductible, plan_type, insurers, one_per_product, limit |
plan_coverage | 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". params: cert* |
plan_terms | 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 params: cert* |
plan_options | 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. params: cert*, age, gender, smoker |
compare_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. params: option_ids*, age*, gender, smoker |
premium_history | 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". params: cert*, age, gender, smoker |
insurer_increases | 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. params: brand |
estimate_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. params: option_id*, age*, gender, smoker |
search_plan_terms | 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. params: question*, cert, brand, limit |
adviser_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. params: question, topic, brand |
list_insurers | Every insurer this server can price, with how many certified plans and rate tables each has loaded. params: none |
treatment_cost | 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 hospita params: procedure, cert |
search | 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. params: query*, limit |
fetch | The full record behind a search id: what the plan pays and every term as filed, with the page of each clause. params: id* |
create_lead | 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_requ params: name*, phone, email, preferred_contact, option_id, note, age, gender |
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