- Author: Raymond
- Category: Medical Insurance in Kenya
SHA/SHIF + Microhealth Insurance: How the Combo Works in Kenya
Think of SHA/SHIF as your foundation, and Microhealth Insurance as your upgrade.
1️⃣ What SHA/SHIF Covers (The Basics)
SHA/SHIF is designed to handle basic and essential healthcare needs, especially in public and selected private facilities.
Typically, SHA/SHIF focuses on:
- Basic inpatient care
- Selected outpatient services
- Standard maternity services (with limits and facility restrictions)
It helps — but let’s be honest — it doesn’t fully protect you from high hospital bills, private hospital costs, or extra benefits like dental and optical.
SHA/SHIF reduces the bill.
It doesn’t always finish it.
2️⃣ What Microhealth Insurance Adds (The Gap Filler)
This is where Microhealth Insurance steps in.
Microhealth is a supplementary private medical cover designed to:
- Top up what SHA/SHIF doesn’t fully cover
- Give you access to private hospitals and clinics
- Cover extra benefits that SHA/SHIF excludes or limits
With Microhealth, you get:
- Higher inpatient limits
- Outpatient cover for everyday hospital visits
- Maternity top-up beyond SHA/SHIF limits
- Dental & optical benefits
- Last expense cover for dignity and peace of mind
In short:
SHA/SHIF handles the basics.
Microhealth handles reality.
3️⃣ Why Combining SHA/SHIF + Microhealth Makes Sense
Healthcare costs in Kenya are rising — fast.
This combo:
✔️ Keeps your monthly/annual costs affordable
✔️ Reduces out-of-pocket hospital payments
✔️ Gives you flexibility between public and private care
✔️ Protects individuals, families, SMEs & informal workers
✔️ Ensures you’re not stranded during emergencies
You’re not replacing SHA/SHIF.
You’re strengthening it.
4️⃣ Who This Combo Is Perfect For
- Individuals & families on a budget
- Informal sector workers
- SMEs & small business owners
- Parents with young children
- Anyone who wants real cover without premium shock
If you earn daily, weekly, or monthly — this setup works with your life.
5️⃣ Bottom Line
SHA/SHIF alone = basic protection
Microhealth alone = affordable private cover
SHA/SHIF + Microhealth = balanced, smart, real-world healthcare protection
No panic.
No fundraising.
No hospital embarrassment.
📲 Get guidance, a FREE quote, or buy online:
🌐 www.imana.co.ke | www.mykava.co.ke
📞 Call/WhatsApp: +254 796 209 402 | +254 745 218 460
📧 insurance@imana.co.ke
📍 Westlands, Nairobi
Insurance shouldn’t confuse you.
It should protect you.
