🛡️ bima-mcp — Kenya Insurance Intelligence MCP Server

First insurance intelligence MCP server for East Africa.

Exposes Kenya insurance data, NHIF coverage analysis, 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

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