bima-mcp 0.1.0__tar.gz

bima_mcp-0.1.0/LICENSE

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+MIT License
+
+Copyright (c) 2026 Gabriel Mahia / AI Kung Fu LLC
+
+Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files, to deal in the Software without restriction.
+
+THE SOFTWARE IS PROVIDED 'AS IS', WITHOUT WARRANTY OF ANY KIND.

bima_mcp-0.1.0/PKG-INFO

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+Metadata-Version: 2.4
+Name: bima-mcp
+Version: 0.1.0
+Summary: MCP server for Kenya insurance intelligence — NHIF, parametric crop risk, microinsurance comparison
+Author-email: Gabriel Mahia <contact@aikungfu.dev>
+License: MIT
+Project-URL: Homepage, https://github.com/gabrielmahia/bima-mcp
+Project-URL: Repository, https://github.com/gabrielmahia/bima-mcp
+Project-URL: Issues, https://github.com/gabrielmahia/bima-mcp/issues
+Keywords: mcp,insurance,kenya,africa,nhif,parametric,microinsurance,bima
+Classifier: Development Status :: 4 - Beta
+Classifier: Intended Audience :: Developers
+Classifier: License :: OSI Approved :: MIT License
+Classifier: Programming Language :: Python :: 3
+Classifier: Topic :: Scientific/Engineering :: Artificial Intelligence
+Classifier: Topic :: Office/Business :: Financial
+Requires-Python: >=3.9
+Description-Content-Type: text/markdown
+License-File: LICENSE
+Requires-Dist: fastmcp>=2.0.0
+Dynamic: license-file
+
+# 🛡️ 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
+
+```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*

bima_mcp-0.1.0/README.md

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+# 🛡️ 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
+
+```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*

bima_mcp-0.1.0/pyproject.toml

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+[build-system]
+requires = ["setuptools>=61.0"]
+build-backend = "setuptools.build_meta"
+
+[project]
+name = "bima-mcp"
+version = "0.1.0"
+description = "MCP server for Kenya insurance intelligence — NHIF, parametric crop risk, microinsurance comparison"
+authors = [{name = "Gabriel Mahia", email = "contact@aikungfu.dev"}]
+license = {text = "MIT"}
+readme = "README.md"
+requires-python = ">=3.9"
+keywords = ["mcp", "insurance", "kenya", "africa", "nhif", "parametric", "microinsurance", "bima"]
+classifiers = [
+    "Development Status :: 4 - Beta",
+    "Intended Audience :: Developers",
+    "License :: OSI Approved :: MIT License",
+    "Programming Language :: Python :: 3",
+    "Topic :: Scientific/Engineering :: Artificial Intelligence",
+    "Topic :: Office/Business :: Financial",
+]
+dependencies = ["fastmcp>=2.0.0"]
+
+[project.urls]
+Homepage = "https://github.com/gabrielmahia/bima-mcp"
+Repository = "https://github.com/gabrielmahia/bima-mcp"
+Issues = "https://github.com/gabrielmahia/bima-mcp/issues"
+
+[project.scripts]
+bima-mcp = "bima_mcp.main:main"
+
+[tool.setuptools.packages.find]
+where = ["src"]

bima_mcp-0.1.0/setup.cfg

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+[egg_info]
+tag_build = 
+tag_date = 0
+

bima_mcp-0.1.0/src/bima_mcp/__init__.py

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+"""bima-mcp: Kenya Insurance Intelligence MCP Server"""
+__version__ = "0.1.0"

bima_mcp-0.1.0/src/bima_mcp/main.py

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+#!/usr/bin/env python3
+# bima-mcp — Kenya Insurance Intelligence MCP Server
+# © 2026 Gabriel Mahia / AI Kung Fu LLC — MIT License
+#
+# Western parallel: Lemonade API, Root Insurance, Policygenius, ACRE Africa parametric methodology
+# East Africa context: Insurance penetration ~2.3% GDP vs 8-11% in developed markets
+# Source: Kenya IRA Annual Report 2024, World Bank FinSAT database
+#
+# TRUST INTEGRITY: All data is DEMO / synthetic unless explicitly marked otherwise.
+# No real insurance products, premiums, or coverages are implied.
+# Always consult a licensed IRA-registered insurance agent for actual products.
+# =============================================================================
+
+from __future__ import annotations
+import json
+import datetime
+from typing import Annotated
+from fastmcp import FastMCP
+
+mcp = FastMCP(
+    name="bima-mcp",
+    instructions="""Kenya insurance intelligence MCP server.
+    Provides tools for exploring insurance products, NHIF coverage, premium estimation,
+    parametric crop risk, and microinsurance comparison for the East African market.
+    
+    IMPORTANT: All data is DEMO/synthetic for educational purposes.
+    Not affiliated with any insurer or the Kenya IRA.
+    Always consult a licensed insurance agent for actual products and pricing.
+    """,
+)
+
+# ── DEMO DATASET: Kenya Insurance Products ─────────────────────────────────────
+_PRODUCTS = [
+    {
+        "id": "NHIF-001", "type": "health", "provider": "NHIF (National Hospital Insurance Fund)",
+        "name": "NHIF Individual Cover", "monthly_premium_kes": 500,
+        "coverage": "Inpatient + Outpatient (select facilities)", "regulatory_body": "NHIF Board",
+        "mpesa_paybill": "200222", "target": "Employed individuals (PAYE deduction)",
+        "source": "DEMO — Synthetic. Reference: nhif.or.ke",
+    },
+    {
+        "id": "NHIF-002", "type": "health", "provider": "NHIF",
+        "name": "NHIF Voluntary Cover", "monthly_premium_kes": 500,
+        "coverage": "Inpatient (Level 2–6 hospitals)", "regulatory_body": "NHIF Board",
+        "mpesa_paybill": "200222", "target": "Self-employed, informal sector",
+        "source": "DEMO — Synthetic. Reference: nhif.or.ke",
+    },
+    {
+        "id": "MBELE-001", "type": "life", "provider": "Jubilee Life Insurance",
+        "name": "Mbele Savings Plan", "monthly_premium_kes": 1000,
+        "coverage": "Life cover + savings maturity benefit", "regulatory_body": "Kenya IRA",
+        "mpesa_paybill": "220000", "target": "Working adults 18–60",
+        "source": "DEMO — Synthetic. Reference: jubaileealife.com",
+    },
+    {
+        "id": "PULA-001", "type": "crop", "provider": "Pula Advisors",
+        "name": "Pula Smallholder Crop Insurance", "monthly_premium_kes": 0,
+        "coverage": "Area-based yield index — pays if county yield < trigger",
+        "regulatory_body": "Kenya IRA", "mpesa_paybill": "N/A",
+        "target": "Smallholder farmers (KALRO partnership)", "min_acreage": 0.1,
+        "source": "DEMO — Synthetic. Reference: pula-advisors.com",
+    },
+    {
+        "id": "ACRE-001", "type": "crop", "provider": "ACRE Africa",
+        "name": "ACRE Maize Cover", "monthly_premium_kes": 0,
+        "coverage": "Satellite NDVI + rainfall index trigger, pays via M-PESA",
+        "regulatory_body": "Kenya IRA", "mpesa_paybill": "N/A",
+        "target": "Maize smallholders, bundled with input loans",
+        "source": "DEMO — Synthetic. Reference: acreafrica.com",
+    },
+    {
+        "id": "TURACO-001", "type": "health", "provider": "Turaco",
+        "name": "Turaco Afya Cover", "monthly_premium_kes": 200,
+        "coverage": "Inpatient hospitalization up to KES 100,000",
+        "regulatory_body": "Kenya IRA", "mpesa_paybill": "4018228",
+        "target": "Informal workers, gig economy", "min_age": 18, "max_age": 65,
+        "source": "DEMO — Synthetic. Reference: turaco.io",
+    },
+    {
+        "id": "BIMA-001", "type": "device", "provider": "Airtel x Jubilee",
+        "name": "Bima ya Simu (Device Insurance)", "monthly_premium_kes": 100,
+        "coverage": "Smartphone theft/damage up to device value", "regulatory_body": "Kenya IRA",
+        "mpesa_paybill": "N/A", "target": "Mobile phone owners",
+        "source": "DEMO — Synthetic. Based on bundled airtime insurance models",
+    },
+]
+
+# ── DEMO: NDMA Drought History by County ──────────────────────────────────────
+_NDMA_DROUGHT = {
+    "Turkana": {"drought_frequency_pct": 85, "phase": "Crisis", "last_drought": "2023"},
+    "Marsabit": {"drought_frequency_pct": 75, "phase": "Emergency", "last_drought": "2022"},
+    "Mandera": {"drought_frequency_pct": 80, "phase": "Crisis", "last_drought": "2023"},
+    "Wajir": {"drought_frequency_pct": 78, "phase": "Crisis", "last_drought": "2023"},
+    "Garissa": {"drought_frequency_pct": 72, "phase": "Alert", "last_drought": "2022"},
+    "Isiolo": {"drought_frequency_pct": 65, "phase": "Alert", "last_drought": "2022"},
+    "Kajiado": {"drought_frequency_pct": 45, "phase": "Stressed", "last_drought": "2021"},
+    "Machakos": {"drought_frequency_pct": 40, "phase": "Stressed", "last_drought": "2021"},
+    "Kitui": {"drought_frequency_pct": 55, "phase": "Alert", "last_drought": "2022"},
+    "Makueni": {"drought_frequency_pct": 50, "phase": "Stressed", "last_drought": "2021"},
+    "Nairobi": {"drought_frequency_pct": 10, "phase": "Minimal", "last_drought": "2009"},
+    "Kiambu": {"drought_frequency_pct": 15, "phase": "Minimal", "last_drought": "2011"},
+    "Nakuru": {"drought_frequency_pct": 25, "phase": "Stressed", "last_drought": "2019"},
+    "Kisumu": {"drought_frequency_pct": 20, "phase": "Minimal", "last_drought": "2016"},
+    "Mombasa": {"drought_frequency_pct": 18, "phase": "Minimal", "last_drought": "2017"},
+    "Uasin Gishu": {"drought_frequency_pct": 20, "phase": "Minimal", "last_drought": "2016"},
+    "Trans Nzoia": {"drought_frequency_pct": 15, "phase": "Minimal", "last_drought": "2014"},
+    "Nyandarua": {"drought_frequency_pct": 12, "phase": "Minimal", "last_drought": "2012"},
+    "Nyeri": {"drought_frequency_pct": 18, "phase": "Minimal", "last_drought": "2015"},
+    "Kakamega": {"drought_frequency_pct": 12, "phase": "Minimal", "last_drought": "2013"},
+}
+
+_CROP_RISK_MULTIPLIERS = {
+    "maize": 1.0, "beans": 0.9, "potatoes": 0.8, "wheat": 0.85, "sorghum": 0.7,
+    "millet": 0.65, "cassava": 0.6, "tea": 0.5, "coffee": 0.55, "cotton": 0.95,
+}
+
+def _audit(tool: str, params: dict, result: str):
+    ts = datetime.datetime.utcnow().isoformat()
+    entry = {"ts": ts, "tool": tool, "params": params, "result": result, "source": "bima-mcp"}
+    return entry
+
+
+@mcp.tool(
+    description=(
+        "List Kenya insurance product categories and representative products. "
+        "Returns DEMO synthetic data for educational/research purposes. "
+        "Not real insurance products or binding quotes."
+    ),
+    annotations={"readOnlyHint": True},
+)
+def kenya_insurance_products(
+    product_type: Annotated[str, "Filter by type: health, life, crop, device, or 'all'"] = "all",
+) -> dict:
+    _audit("kenya_insurance_products", {"product_type": product_type}, "OK")
+    products = _PRODUCTS if product_type == "all" else [
+        p for p in _PRODUCTS if p.get("type") == product_type.lower()
+    ]
+    return {
+        "status": "OK",
+        "products": products,
+        "count": len(products),
+        "note": "DEMO — Synthetic data for educational purposes. Verify at ira.go.ke before advising clients.",
+        "regulatory_body": "Insurance Regulatory Authority (IRA) Kenya — ira.go.ke",
+        "source": "bima-mcp synthetic dataset, 2026. Reference: IRA Annual Report 2024, NHIF, ACRE Africa.",
+    }
+
+
+@mcp.tool(
+    description=(
+        "Query NHIF (National Hospital Insurance Fund) coverage details by hospital tier and procedure. "
+        "NHIF is Kenya's state health insurer, analogous to Medicare in the US or NHS in the UK. "
+        "DEMO data — verify at nhif.or.ke."
+    ),
+    annotations={"readOnlyHint": True},
+)
+def nhif_coverage_query(
+    tier: Annotated[str, "Hospital tier: level_2, level_3, level_4, level_5, level_6"] = "level_4",
+    procedure_type: Annotated[str, "Procedure type: inpatient, outpatient, maternity, renal, cancer, mental_health"] = "inpatient",
+) -> dict:
+    _audit("nhif_coverage_query", {"tier": tier, "procedure_type": procedure_type}, "OK")
+    
+    NHIF_BENEFITS = {
+        "level_2": {"inpatient": 1800, "outpatient": 0, "maternity": 2500, "renal": 0, "cancer": 0},
+        "level_3": {"inpatient": 2500, "outpatient": 0, "maternity": 5000, "renal": 2500, "cancer": 0},
+        "level_4": {"inpatient": 8000, "outpatient": 0, "maternity": 8000, "renal": 7000, "cancer": 0},
+        "level_5": {"inpatient": 20000, "outpatient": 0, "maternity": 20000, "renal": 15000, "cancer": 20000},
+        "level_6": {"inpatient": 100000, "outpatient": 0, "maternity": 100000, "renal": 50000, "cancer": 100000},
+    }
+    
+    tier_data = NHIF_BENEFITS.get(tier.lower(), NHIF_BENEFITS["level_4"])
+    benefit = tier_data.get(procedure_type.lower(), 0)
+    
+    return {
+        "status": "OK",
+        "tier": tier,
+        "procedure_type": procedure_type,
+        "nhif_benefit_kes_per_day": benefit if benefit > 0 else "Not covered at this tier",
+        "coverage_notes": {
+            "outpatient": "NHIF outpatient only available at accredited facilities with Super Cover (SHIF 2024)",
+            "renal": "Dialysis covered from Level 3 upward",
+            "mental_health": "Limited coverage — SHA 2024 expanding this",
+            "cancer": "Available at Level 5 and 6 (KNH, Aga Khan, Nairobi Hospital)",
+        },
+        "monthly_premium": {"employed": "KES 500 (PAYE deduction)", "self_employed": "KES 500 voluntary"},
+        "gap_analysis": {
+            "typical_inpatient_cost_kes": 15000 if tier == "level_4" else 50000,
+            "nhif_covers": f"KES {benefit:,}" if benefit > 0 else "Not covered",
+            "out_of_pocket_risk": f"KES {max(0, 15000 - benefit):,}+ at {tier}",
+        },
+        "note": "DEMO — Synthetic data. Verify at nhif.or.ke. SHA (Social Health Authority) restructuring underway 2024.",
+        "source": "bima-mcp synthetic dataset. Reference: NHIF Benefits Schedule 2023.",
+    }
+
+
+@mcp.tool(
+    description=(
+        "Estimate monthly insurance premium for a Kenya individual. "
+        "Covers health, life, crop, and device insurance types. "
+        "Western parallel: Online insurance quote engines (Policygenius, Lemonade). "
+        "DEMO estimation — not a binding quote."
+    ),
+    annotations={"readOnlyHint": True},
+)
+def premium_estimate(
+    insurance_type: Annotated[str, "Type: health, life, crop, device"],
+    age: Annotated[int, "Age in years (18–65)"],
+    monthly_income_kes: Annotated[int, "Monthly income in KES"],
+    county: Annotated[str, "Kenya county of residence"] = "Nairobi",
+    acreage: Annotated[float, "Farm acreage (crop insurance only)"] = 0.0,
+    crop: Annotated[str, "Crop type (crop insurance only)"] = "maize",
+) -> dict:
+    _audit("premium_estimate", {
+        "insurance_type": insurance_type, "age": age,
+        "monthly_income_kes": monthly_income_kes
+    }, "OK")
+    
+    base_rates = {
+        "health": 0.03,   # 3% of income, min KES 300
+        "life": 0.01,     # 1% of income — term life
+        "crop": 0.08,     # 8% of season input cost (ACRE Africa benchmark)
+        "device": 0.025,  # 2.5% of device value per month
+    }
+    
+    est = 0
+    notes = []
+    
+    if insurance_type == "health":
+        est = max(300, int(monthly_income_kes * base_rates["health"]))
+        est = min(est, 5000)  # cap at KES 5,000 for basic health
+        notes = [
+            "NHIF minimum: KES 500/month covers inpatient only",
+            f"For income KES {monthly_income_kes:,}, private supplement ~KES {est:,}/month",
+            "Top-up cover from providers like Jubilee, AAR adds KES 1,000–5,000",
+        ]
+    elif insurance_type == "life":
+        age_factor = 1.0 + max(0, (age - 35) * 0.03)
+        est = max(500, int(monthly_income_kes * base_rates["life"] * age_factor))
+        notes = [
+            f"Term life for age {age}: age loading factor {age_factor:.2f}x",
+            f"KES {monthly_income_kes * 12 * 5:,} sum assured (5× annual income rule)",
+            "ICEA Lion, Jubilee Life, Britam Life offer KES 500–3,000/month term plans",
+        ]
+    elif insurance_type == "crop":
+        drought_data = _NDMA_DROUGHT.get(county, {"drought_frequency_pct": 30})
+        drought_pct = drought_data["drought_frequency_pct"]
+        crop_mult = _CROP_RISK_MULTIPLIERS.get(crop.lower(), 1.0)
+        input_cost_kes = acreage * 8000  # ~KES 8,000/acre input cost
+        est = int(input_cost_kes * base_rates["crop"] * (drought_pct / 50) * crop_mult)
+        notes = [
+            f"County drought frequency: {drought_pct}% ({county})",
+            f"Crop risk multiplier ({crop}): {crop_mult}x",
+            f"Estimated input cost: KES {input_cost_kes:,} for {acreage} acres",
+            f"ACRE Africa: pays via M-PESA when NDVI index drops below trigger",
+        ]
+    else:  # device
+        device_value = max(5000, monthly_income_kes * 2)
+        est = int(device_value * base_rates["device"])
+        notes = [
+            f"Estimated device value: KES {device_value:,} (2× monthly income proxy)",
+            "Bundled insurance via Airtel/Safaricom: KES 100–500/month",
+        ]
+    
+    return {
+        "status": "OK",
+        "insurance_type": insurance_type,
+        "estimated_monthly_premium_kes": est,
+        "annual_premium_kes": est * 12,
+        "affordability_ratio": f"{est / monthly_income_kes * 100:.1f}% of income",
+        "notes": notes,
+        "note": "DEMO — Rough estimation for educational purposes only. Not a binding quote. Consult an IRA-licensed broker.",
+        "source": "bima-mcp synthetic dataset. Reference: IRA 2024, ACRE Africa, World Bank Insurance Primer.",
+    }
+
+
+@mcp.tool(
+    description=(
+        "Calculate parametric crop insurance risk for a Kenya smallholder farmer. "
+        "Based on ACRE Africa methodology: NDVI satellite index + NDMA drought history. "
+        "Western parallel: Root Insurance telematic scoring, Skywatch EasyCrop satellite insurance. "
+        "DEMO data — actual payouts require enrollment with a licensed insurer."
+    ),
+    annotations={"readOnlyHint": True},
+)
+def parametric_crop_risk(
+    county: Annotated[str, "Kenya county name (e.g., Nakuru, Turkana, Machakos)"],
+    crop: Annotated[str, "Crop type: maize, beans, potatoes, wheat, sorghum, millet, cassava, tea, coffee"],
+    acreage: Annotated[float, "Farm size in acres"],
+    season: Annotated[str, "Farming season: long_rains (Mar-May) or short_rains (Oct-Dec)"] = "long_rains",
+) -> dict:
+    _audit("parametric_crop_risk", {"county": county, "crop": crop, "acreage": acreage}, "OK")
+    
+    drought = _NDMA_DROUGHT.get(county, {"drought_frequency_pct": 30, "phase": "Minimal", "last_drought": "2020"})
+    crop_mult = _CROP_RISK_MULTIPLIERS.get(crop.lower(), 1.0)
+    drought_pct = drought["drought_frequency_pct"]
+    
+    # Risk score: 0–100
+    risk_score = min(100, int(drought_pct * crop_mult))
+    
+    # Premium as % of input cost
+    input_cost = acreage * 8000  # KES 8,000/acre inputs (seeds, fertilizer, labor)
+    season_premium_kes = int(input_cost * 0.08 * (drought_pct / 100))
+    
+    risk_category = (
+        "VERY HIGH" if risk_score > 65 else
+        "HIGH" if risk_score > 45 else
+        "MEDIUM" if risk_score > 25 else "LOW"
+    )
+    
+    # Expected payout probability and value
+    payout_trigger = drought_pct > 40
+    expected_payout_kes = int(input_cost * 0.9 * (drought_pct / 100)) if payout_trigger else 0
+    
+    return {
+        "status": "OK",
+        "county": county,
+        "crop": crop,
+        "acreage": acreage,
+        "season": season,
+        "risk_score": risk_score,
+        "risk_category": risk_category,
+        "drought_frequency_pct": drought_pct,
+        "current_ndma_phase": drought["phase"],
+        "last_major_drought": drought["last_drought"],
+        "economics": {
+            "estimated_input_cost_kes": input_cost,
+            "recommended_premium_kes": season_premium_kes,
+            "premium_as_pct_of_inputs": f"{season_premium_kes / input_cost * 100:.1f}%",
+            "payout_if_drought_triggers": f"KES {expected_payout_kes:,}",
+            "trigger_threshold": "County NDVI below 0.3 for >3 consecutive weeks OR <60% normal rainfall",
+        },
+        "payment_flow": {
+            "enrollment": "Via ACRE Africa app or Pula bundled with input loan",
+            "premium_payment": "M-PESA at start of planting season",
+            "payout_mechanism": "Automatic M-PESA transfer within 14 days of trigger confirmation",
+            "trigger_verification": "Satellite (Copernicus NDVI) + NDMA field assessment",
+        },
+        "note": "DEMO — Synthetic risk model for educational purposes. Real parametric insurance requires enrollment with ACRE Africa or Pula Advisors. NDMA data: ndma.go.ke.",
+        "source": "bima-mcp synthetic dataset. Reference: ACRE Africa Methodology Paper 2023, NDMA County Reports.",
+    }
+
+
+@mcp.tool(
+    description=(
+        "Compare available microinsurance options for low-income Kenyans. "
+        "Western parallel: Insurtech comparison platforms (Policygenius, The Zebra, NerdWallet Insurance). "
+        "East Africa context: 67% of Kenyans cannot afford conventional insurance premiums. "
+        "DEMO data — verify products at ira.go.ke."
+    ),
+    annotations={"readOnlyHint": True},
+)
+def compare_microinsurance(
+    target_group: Annotated[str, "Target group: informal_worker, farmer, student, elderly, refugee"] = "informal_worker",
+    max_monthly_budget_kes: Annotated[int, "Maximum monthly premium budget in KES"] = 500,
+) -> dict:
+    _audit("compare_microinsurance", {"target_group": target_group, "budget": max_monthly_budget_kes}, "OK")
+    
+    affordable = [p for p in _PRODUCTS if p.get("monthly_premium_kes", 0) <= max_monthly_budget_kes]
+    
+    TARGET_GUIDANCE = {
+        "informal_worker": {
+            "priority": "Health (hospitalization) + device protection",
+            "risks": "Medical bills, phone theft/damage",
+            "best_fit": ["NHIF-002", "TURACO-001", "BIMA-001"],
+        },
+        "farmer": {
+            "priority": "Crop insurance + health",
+            "risks": "Drought, crop failure, illness during planting",
+            "best_fit": ["ACRE-001", "PULA-001", "NHIF-002"],
+        },
+        "student": {
+            "priority": "Device + small life cover",
+            "risks": "Phone loss, accidental death/disability",
+            "best_fit": ["BIMA-001", "MBELE-001"],
+        },
+        "elderly": {
+            "priority": "Health (inpatient) + last expense cover",
+            "risks": "High hospitalization costs, funeral expenses",
+            "best_fit": ["NHIF-002", "MBELE-001"],
+        },
+        "refugee": {
+            "priority": "Health — limited options",
+            "risks": "Medical access, UNHCR may provide some coverage",
+            "best_fit": ["NHIF-002"],
+        },
+    }
+    
+    guidance = TARGET_GUIDANCE.get(target_group, TARGET_GUIDANCE["informal_worker"])
+    
+    return {
+        "status": "OK",
+        "target_group": target_group,
+        "max_budget_kes": max_monthly_budget_kes,
+        "affordable_products": [p for p in affordable if p["id"] in guidance["best_fit"]],
+        "priority_risks": guidance["risks"],
+        "coverage_priority": guidance["priority"],
+        "gap_analysis": {
+            "west_comparison": "In the US/UK, basic health + life cover costs $50–150/month. In Kenya, NHIF covers less at KES 500/month — ~$4.",
+            "what_kenbright_would_say": "The protection gap in Kenya is structural, not cultural. Technology can close it.",
+            "biggest_gap": "Disability/income protection insurance — virtually absent in Kenya microinsurance market",
+        },
+        "how_to_enroll": {
+            "NHIF": "Walk into any Huduma Centre or go to nhif.or.ke",
+            "Turaco": "Download Turaco app or enroll via employer",
+            "ACRE Africa": "Enroll at planting time through agrivet shops or KALRO extension officers",
+            "Payment": "All accept M-PESA payments",
+        },
+        "note": "DEMO — Synthetic comparison for educational purposes. Verify all products at ira.go.ke.",
+        "source": "bima-mcp synthetic dataset. Reference: IRA Kenya, Turaco, ACRE Africa public disclosures.",
+    }
+
+
+@mcp.tool(
+    description=(
+        "Calculate parameters for a community group (chama) pooled insurance arrangement. "
+        "Western parallel: Fraternal benefit societies, mutual insurance companies, credit unions with insurance. "
+        "Kenya parallel: Chama savings groups can formalize as Micro Insurance Groups under IRA. "
+        "DEMO educational tool — not a licensed insurance product."
+    ),
+    annotations={"readOnlyHint": True},
+)
+def community_pool_calculator(
+    group_size: Annotated[int, "Number of chama members (5–200)"],
+    monthly_contribution_kes: Annotated[int, "Monthly contribution per member in KES"],
+    coverage_goal: Annotated[str, "Coverage goal: hospitalization, funeral, crop_loss, education"] = "hospitalization",
+) -> dict:
+    _audit("community_pool_calculator", {
+        "group_size": group_size, "monthly_contribution_kes": monthly_contribution_kes,
+        "coverage_goal": coverage_goal
+    }, "OK")
+    
+    monthly_pool = group_size * monthly_contribution_kes
+    annual_pool = monthly_pool * 12
+    reserve_ratio = 0.3  # 30% reserve (standard for mutual insurance)
+    claims_pool = annual_pool * (1 - reserve_ratio)
+    
+    BENEFIT_STRUCTURES = {
+        "hospitalization": {
+            "max_per_claim_kes": min(50000, claims_pool // max(1, group_size // 5)),
+            "waiting_period_days": 30,
+            "max_claims_per_year": 2,
+            "exclusions": "Pre-existing conditions in year 1, self-inflicted",
+        },
+        "funeral": {
+            "max_per_claim_kes": min(80000, claims_pool // max(1, group_size // 10)),
+            "waiting_period_days": 60,
+            "max_claims_per_year": 1,
+            "exclusions": "Suicide",
+        },
+        "crop_loss": {
+            "max_per_claim_kes": min(30000, claims_pool // max(1, group_size // 3)),
+            "waiting_period_days": 14,
+            "max_claims_per_year": 2,
+            "exclusions": "Self-caused damage, non-agricultural losses",
+        },
+        "education": {
+            "max_per_claim_kes": min(40000, claims_pool // max(1, group_size // 4)),
+            "waiting_period_days": 0,
+            "max_claims_per_year": 1,
+            "exclusions": "Non-registered institutions",
+        },
+    }
+    
+    structure = BENEFIT_STRUCTURES.get(coverage_goal, BENEFIT_STRUCTURES["hospitalization"])
+    
+    return {
+        "status": "OK",
+        "group_size": group_size,
+        "monthly_contribution_kes": monthly_contribution_kes,
+        "coverage_goal": coverage_goal,
+        "pool_economics": {
+            "monthly_pool_kes": monthly_pool,
+            "annual_pool_kes": annual_pool,
+            "reserve_fund_kes": int(annual_pool * reserve_ratio),
+            "available_for_claims_kes": int(claims_pool),
+        },
+        "suggested_benefit_structure": structure,
+        "sustainability_check": {
+            "viable": group_size >= 10 and monthly_pool >= 5000,
+            "note": "IRA recommends minimum 10 members and KES 5,000/month pool for sustainability",
+            "actuarial_warning": "Group must track claims history and adjust contributions annually",
+        },
+        "formalization_path": {
+            "step_1": "Register as a chama at Ministry of Public Service, Gender, Senior Citizens Affairs",
+            "step_2": "Open a group M-PESA Paybill or business account",
+            "step_3": "Draft a constitution with claims committee and dispute resolution",
+            "step_4": "After 2 years of history, apply for IRA Micro Insurance License",
+            "ira_contact": "ira.go.ke / +254 20 499 0000",
+        },
+        "western_parallel": "Fraternal benefit societies in the US (e.g., Mutual of Omaha origins) started as community pooling arrangements in the 1800s.",
+        "note": "DEMO — Educational tool. Not a licensed insurance product. Consult IRA for formal registration.",
+        "source": "bima-mcp synthetic dataset. Reference: IRA Micro Insurance Framework 2022.",
+    }
+
+
+def main():
+    mcp.run()
+
+
+if __name__ == "__main__":
+    main()

bima_mcp-0.1.0/src/bima_mcp.egg-info/PKG-INFO

@@ -0,0 +1,93 @@
+Metadata-Version: 2.4
+Name: bima-mcp
+Version: 0.1.0
+Summary: MCP server for Kenya insurance intelligence — NHIF, parametric crop risk, microinsurance comparison
+Author-email: Gabriel Mahia <contact@aikungfu.dev>
+License: MIT
+Project-URL: Homepage, https://github.com/gabrielmahia/bima-mcp
+Project-URL: Repository, https://github.com/gabrielmahia/bima-mcp
+Project-URL: Issues, https://github.com/gabrielmahia/bima-mcp/issues
+Keywords: mcp,insurance,kenya,africa,nhif,parametric,microinsurance,bima
+Classifier: Development Status :: 4 - Beta
+Classifier: Intended Audience :: Developers
+Classifier: License :: OSI Approved :: MIT License
+Classifier: Programming Language :: Python :: 3
+Classifier: Topic :: Scientific/Engineering :: Artificial Intelligence
+Classifier: Topic :: Office/Business :: Financial
+Requires-Python: >=3.9
+Description-Content-Type: text/markdown
+License-File: LICENSE
+Requires-Dist: fastmcp>=2.0.0
+Dynamic: license-file
+
+# 🛡️ 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
+
+```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*

bima_mcp-0.1.0/src/bima_mcp.egg-info/SOURCES.txt

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+LICENSE
+README.md
+pyproject.toml
+src/bima_mcp/__init__.py
+src/bima_mcp/main.py
+src/bima_mcp.egg-info/PKG-INFO
+src/bima_mcp.egg-info/SOURCES.txt
+src/bima_mcp.egg-info/dependency_links.txt
+src/bima_mcp.egg-info/entry_points.txt
+src/bima_mcp.egg-info/requires.txt
+src/bima_mcp.egg-info/top_level.txt

bima_mcp-0.1.0/src/bima_mcp.egg-info/dependency_links.txt

@@ -0,0 +1 @@
+

bima_mcp-0.1.0/src/bima_mcp.egg-info/entry_points.txt

@@ -0,0 +1,2 @@
+[console_scripts]
+bima-mcp = bima_mcp.main:main

bima_mcp-0.1.0/src/bima_mcp.egg-info/requires.txt

@@ -0,0 +1 @@
+fastmcp>=2.0.0

bima_mcp-0.1.0/src/bima_mcp.egg-info/top_level.txt

@@ -0,0 +1 @@
+bima_mcp