# Policy Coverage Oracle MCP

> Policy Coverage Oracle MCP is a paid API for AI agents from api.m2mcent.com, paid per call via x402, $0.3/call, status unknown (last checked 2026-09-15).

Analyzes insurance policy documents or queries to determine coverage applicability, limits, and exclusions for given scenarios.

## Facts

- Endpoint: POST https://api.m2mcent.com/policy-coverage-oracle-mcp/api/process
- Price: $0.3/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/policy-coverage-oracle-mcp-bfc5e625
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_t5G8bWTVfEiNZa2tWDuY-

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability policy-coverage-oracle-mcp-bfc5e625 -d '<json body>'
```

Example prompt: Can you check whether this homeowner's insurance policy covers water damage from a burst pipe — here's the policy text: 'Coverage applies to sudden and accidental discharge of water from plumbing systems, excluding gradual leaks and flood events.'

## When to prefer this

Choose this endpoint when you need to programmatically interpret insurance policy documents against specific claim scenarios or coverage questions, especially within an agentic workflow where automated coverage determination is required without human underwriter review.

## Known failure modes

- Empty or malformed 'data' string returns an error or empty response
- Ambiguous policy language may yield low-confidence or hedged determinations
- Very long policy documents may be truncated or cause timeout
- Non-insurance text submitted as input may produce irrelevant or nonsensical output
- Payment failure (402) if USDC balance is insufficient

## How this service works

The premier global index of 1,069 monetized MCP nodes across 205 specialized subdomains. Gasless USDC runtime settlements via x402 V2 Spec on Base L2. Save 95% token context.

## Output

Returns an oracle-style determination of whether a given scenario, claim, or situation is covered under the provided insurance policy, including relevant coverage limits, applicable exclusions, and an interpretive summary of the policy language as it applies to the query.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "payload": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "success": true
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/policy-coverage-oracle-mcp-bfc5e625/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.m2mcent.com](https://www.zero.xyz/host/api.m2mcent.com/llms.txt)