Vhis

Last 30 days

Uptime

100%

Response time

553 ms typical, 604 ms slowest 5%

Last check

4 h ago

Next check

in 2 h

How to call it

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "vhis": {
      "type": "http",
      "url": "https://mcp.vhishongkong.com/mcp"
    }
  }
}

16 tools

• 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 B

• 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 k

• 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

• 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, coinsuranc

• 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.

• 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 pub

• 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".

• 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.

• 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

• 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 cancellatio

• 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.

• list_insurers

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

• 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. Bi

• 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 l

• fetch

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

• 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

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