VHIS Hong Kong MCP server

• Registry namecom.vhishongkong/vhisverified in the MCP registry

The registry name sits under vhishongkong.com. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-25
• Tools16
• Server calls itselfvhis-hongkong
• Server version1.27.0
• Protocol version2025-06-18

On 2026-10-25 the server answered initialize and tools/list without a sign-in. First answer in 128 ms.

• Its tools do every use case we checked: compare annual premiums across all certified VHIS plans; check each insurer's premium increases since 2021.
• Checked on 3 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 3 so far
• What an agent can do with it2 of 2 use cases
• Answeredmeasuring3 of the 7 daily checks it takes to print a share
• Median first answer80 ms
• Space in an agent's context≈ 3,865 tokensthe definitions of all its tools (16), which an agent carries on every turn
• Tool definitionsA · 92 of 100
• Typed results16 of 16 toolsdeclared outputSchema: results come typed, read once

• Parameters without a description: in 8 of 16

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…