# 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

## Installation

```bash
npm install
```

## Usage

### Running the Server

To run the MCP server with the inspector:

```bash
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**:
   ```bash
   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.