diff --git a/dap-tool-core/src/main/java/io/shinhanlife/dap/lib/annotation/McpAnyOf.java b/dap-tool-core/src/main/java/io/shinhanlife/dap/lib/annotation/McpAnyOf.java
new file mode 100644
index 00000000..a781ba3a
--- /dev/null
+++ b/dap-tool-core/src/main/java/io/shinhanlife/dap/lib/annotation/McpAnyOf.java
@@ -0,0 +1,19 @@
+package io.shinhanlife.dap.lib.annotation;
+
+import java.lang.annotation.ElementType;
+import java.lang.annotation.Retention;
+import java.lang.annotation.RetentionPolicy;
+import java.lang.annotation.Target;
+
+/**
+ * MCP 스키마 생성 시 anyOf (해당 필드들 중 최소 1개 이상 필수) 제약을 부여합니다.
+ */
+@Target({ElementType.TYPE})
+@Retention(RetentionPolicy.RUNTIME)
+public @interface McpAnyOf {
+    /**
+     * anyOf 제약에 포함될 필드명 목록
+     * 예: @McpAnyOf({"claimNo", "contractNo"})
+     */
+    String[] value();
+}
diff --git a/dap-tool-core/src/main/java/io/shinhanlife/dap/lib/util/JsonSchemaGenerator.java b/dap-tool-core/src/main/java/io/shinhanlife/dap/lib/util/JsonSchemaGenerator.java
index e48a489b..ebf9543d 100644
--- a/dap-tool-core/src/main/java/io/shinhanlife/dap/lib/util/JsonSchemaGenerator.java
+++ b/dap-tool-core/src/main/java/io/shinhanlife/dap/lib/util/JsonSchemaGenerator.java
@@ -4,6 +4,7 @@ import com.fasterxml.jackson.annotation.JsonProperty;
 import com.fasterxml.jackson.annotation.JsonPropertyDescription;
 import io.shinhanlife.dap.lib.annotation.McpParameter;
 import io.shinhanlife.dap.lib.annotation.McpValidation;
+import io.shinhanlife.dap.lib.annotation.McpAnyOf;
 import java.lang.reflect.Field;
 import java.lang.reflect.ParameterizedType;
 import java.lang.reflect.Type;
@@ -92,6 +93,15 @@ public class JsonSchemaGenerator {
             schema.put("required", requiredList);
         }
 
+        McpAnyOf anyOfAnnotation = clazz.getAnnotation(McpAnyOf.class);
+        if (anyOfAnnotation != null && anyOfAnnotation.value().length > 0) {
+            List<Map<String, Object>> anyOfList = new ArrayList<>();
+            for (String fieldName : anyOfAnnotation.value()) {
+                anyOfList.add(Map.of("required", List.of(fieldName)));
+            }
+            schema.put("anyOf", anyOfList);
+        }
+
         visiting.remove(clazz);
         return schema;
     }