Insurance Premium Calculator - MCP Server

A simple Model Context Protocol (MCP) server that provides insurance premium calculation services. This server implements three main tools for calculating and comparing insurance premiums.

Features

Tools Available

1. Calculate Basic Premium - Calculates basic insurance premium based on age, coverage amount, and policy type

2. Calculate Health Premium with Conditions - Calculates health insurance premium including pre-existing conditions and smoking status

3. Compare Policies - Compares premium for all policy types (term, health, vehicle) for a given age and coverage

Related MCP server: RACV Insurance MCP Server

Installation

npm install

Usage

Running the Server

To run the MCP server with the inspector:

npx @modelcontextprotocol/inspector node index.js

The server will start and display "Insurance Premium Calculator MCP Server is running!" when ready.

Tools Documentation

1. calculate_basic_premium

Calculates basic insurance premium based on age, coverage and policy type.

Parameters:

• age (number): Age of the person (18-80)

• coverage_amount (number): Coverage amount in rupees

• policy_type (enum): Type of insurance policy ("term", "health", "vehicle")

2. calculate_health_premium

Calculates health insurance premium including pre-existing conditions.

Parameters:

• age (number): Age of the person

• coverage_amount (number): Coverage amount in rupees

• pre_existing_condition (enum): Pre-existing health condition ("none", "diabetes", "hypertension", "heart_disease")

• smoker (boolean): Whether the person is a smoker

3. compare_policies

Compares premium for all policy types for a given age and coverage.

Parameters:

• age (number): Age of the person

• coverage_amount (number): Coverage amount in rupees

Technology Stack

• Node.js

• @modelcontextprotocol/sdk - MCP server implementation

• Zod - Data validation

Testing with Claude Desktop

1. Ensure you have Claude Desktop installed

2. Run the MCP server:

   npx @modelcontextprotocol/inspector node index.js

3. Open Claude Desktop

4. Connect to the MCP server:

   • Claude Desktop should automatically detect the running MCP server

   • If not, you may need to follow the instructions in Claude Desktop to manually connect to a local MCP server

5. Test the tools:

   • Use the Claude Desktop interface to interact with the MCP server

   • You can test each tool by providing the required parameters

   • Example prompts:

     • "Calculate the basic term insurance premium for a 35-year-old with ₹500,000 coverage"

     • "What's the health insurance premium for a 40-year-old non-smoker with ₹1,000,000 coverage and diabetes?"

     • "Compare all policy types for a 30-year-old with ₹750,000 coverage"

6. View results: Claude Desktop will display the JSON responses from the MCP server in a readable format

Note

Claude Desktop provides an intuitive interface for interacting with MCP servers without having to write custom code. It supports tool discovery, parameter validation, and response visualization.