bima-mcp

🛡️ bima-mcp — Kenya Insurance Intelligence MCP Server

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	Illustrative crop insurance risk from a small hand-written county table (not verified against NDMA data)
compare_microinsurance	Compare affordable products by target group and budget
community_pool_calculator	Size a chama pooled insurance arrangement

Quick Start

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

Claude Desktop Integration

{
  "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

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© 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 — 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

pip install africa-coord-bus

All servers: 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. Security reports: see SECURITY.md.

Part of the East Africa coordination stack

• Install & run: pip install reli-cli && reli list — the MCP servers on the official MCP Registry under io.github.gabrielmahia
• Evaluate any model on Swahili agent tasks: kipimo · dataset · leaderboard
• Coordinate across servers: africa-coord-bus — offline-first event bus with a built-in Kenya routing table
• Datasets: huggingface.co/gmahia · Docs hub: nairobi-stack

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