🛡️ bima-mcp — Kenya Insurance Intelligence MCP Server

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 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

Terminal

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

Claude Desktop Integration

config.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

Part of the East Africa Coordination Stack

This MCP server is one of 32 tools in 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

Terminal

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 — 33 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.