# 🛡️ bima-mcp — Kenya Insurance Intelligence MCP Server
<!-- mcp-name: io.github.gabrielmahia/bima-mcp -->

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---
**Compatible with `claude-sonnet-5`** (released 2026-06-30) — Anthropic's most agentic
Sonnet yet. Runs multi-step tool chains end-to-end without stopping short.
Install: `pip install bima-mcp` · Use with any MCP client.

---


Insurance products exist — NHIF, parametric crop cover, microinsurance — but comparing them or checking eligibility requires navigating separate portals with no shared interface.

Exposes Kenya insurance data, NHIF-era coverage figures (NHIF is now SHA/SHIF), parametric crop risk scoring,
and microinsurance comparison through the Model Context Protocol.

## Why Insurance Infrastructure Matters

In mature economies, insurance is invisible infrastructure — it enables risk-taking by
capping downside. A farmer plants a new crop because crop insurance limits loss.
A parent starts a business because health insurance protects the family.
Without this floor, the rational choice is perpetual caution.

Kenya's insurance penetration: **2.3% of GDP** vs 8–11% in developed markets.
The gap is not cultural — it is the cost of distribution, claims verification,
and actuarial data. All three can be compressed by technology.

## Tools

| Tool | What it does |
|------|-------------|
| `kenya_insurance_products` | List IRA-registered products by type (health, life, crop, device) |
| `nhif_coverage_query` | Query NHIF benefits by hospital tier and procedure type |
| `premium_estimate` | Estimate monthly premiums for any coverage type + income bracket |
| `parametric_crop_risk` | NDMA-based crop insurance risk for smallholder farmers |
| `compare_microinsurance` | Compare affordable products by target group and budget |
| `community_pool_calculator` | Size a chama pooled insurance arrangement |

## Quick Start

```bash
pip install bima-mcp       # coming soon to PyPI
bima-mcp                   # starts the MCP server on stdio
```

## Claude Desktop Integration

```json
{
  "mcpServers": {
    "bima-mcp": {
      "command": "bima-mcp"
    }
  }
}
```

## Use Cases

- **Farmers**: "What crop insurance do I need for my 2-acre maize farm in Nakuru?"
- **Informal workers**: "What NHIF tier 4 inpatient coverage do I get for KES 500/month?"
- **Chama treasurers**: "How do I set up pooled hospitalization cover for 25 members?"
- **Researchers**: "Compare parametric crop insurance risk across Kenya counties"

## Research Basis

- ACRE Africa Parametric Crop Insurance Methodology (2023)
- Kenya IRA Annual Report 2024
- World Bank Insurance Primer for Low-Income Markets (2023)
- NDMA County Drought Monitoring Reports

## ⚠️ Disclaimers

> DEMO data — not real insurance products or binding quotes.
> Not affiliated with NHIF, IRA, or any insurance provider.
> Always consult a licensed IRA-registered insurance agent for actual products.
> Kenya IRA: ira.go.ke

---
*© 2026 Gabriel Mahia / AI Kung Fu LLC · MIT License*

## Part of the East Africa Coordination Stack

This MCP server is part of the Kenya coordination infrastructure.
It connects to [`africa-coord-bus`](https://github.com/gabrielmahia/africa-coord-bus) — the coordination
event bus that routes signals between domains automatically.

When this server detects a threshold condition, the bus notifies:
- `bima-mcp` — parametric insurance evaluation
- `kilimo-mcp` — agricultural advisory
- `afya-mcp` — health surveillance activation
- `county-mcp` — county office alert

```python
pip install africa-coord-bus
```

All servers: [pypi.org/user/gmahia](https://pypi.org/user/gmahia/)

## IP & Collaboration

MIT licensed. Feedback via GitHub Issues only — pull requests are not accepted. Demo data is labeled DEMO and is not suitable for operational decisions. Full policy: [docs/architecture/IP_POLICY.md](docs/architecture/IP_POLICY.md). Security reports: see [SECURITY.md](SECURITY.md).

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## Part of the East Africa coordination stack

- **Install & run:** `pip install reli-cli && reli list` — the MCP servers on the [official MCP Registry](https://registry.modelcontextprotocol.io) under `io.github.gabrielmahia`
- **Evaluate any model on Swahili agent tasks:** [kipimo](https://github.com/gabrielmahia/kipimo) · [dataset](https://huggingface.co/datasets/gmahia/kipimo) · [leaderboard](https://huggingface.co/spaces/gmahia/kipimo-leaderboard)
- **Coordinate across servers:** [africa-coord-bus](https://pypi.org/project/africa-coord-bus/) — offline-first event bus with a built-in Kenya routing table
- **Datasets:** [huggingface.co/gmahia](https://huggingface.co/gmahia) · **Docs hub:** [nairobi-stack](https://github.com/gabrielmahia/nairobi-stack)

Model-agnostic by design: closed APIs, open-weight models, and small distilled models are all first-class citizens.
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