- Author: Raymond
- Category: Medical Insurance
Understanding SHIF vs Private Health Insurance in Kenya
What Every Family Needs to Know
Kenya’s healthcare landscape is changing fast. NHIF packed its bags, and SHIF — the Social Health Insurance Fund — just took the stage. It sounds fancy and nationalistic, but the big question still lingers in every family’s WhatsApp group:
“Do I still need private health insurance if I’m already contributing to SHIF?”
Let’s break this down plainly, like two friends at Java over coffee.
What Exactly Is SHIF?
SHIF is the new government medical scheme that every Kenyan must join. It’s run by the Social Health Authority (SHA) and aims to cover everyone — from employed workers in offices to mama mboga in Gikomba. Contributions are income-based, and the fund covers basic services like outpatient visits, inpatient treatment, maternity, emergency care, and chronic illnesses.
Think of SHIF as a safety net — it’s there to keep you from falling completely, but it won’t take you to Aga Khan or Nairobi Hospital if you want luxury care.
What About Private Health Insurance?
Private health insurance, offered by top insurers like Jubilee, Madison, APA, AAR, CIC, Britam, and GA Life, gives you more freedom, comfort, and speed. You choose where to be treated, how much you want covered, and what kind of extras you need — dental, optical, maternity, overseas treatment, you name it.
While SHIF aims for universal care, private cover is all about convenience, flexibility, and peace of mind. It’s the upgrade that ensures your family never compromises on quality care.
Key Takeaway
You can have SHIF and still keep your private plan. In fact, that’s the smartest combo — SHIF covers basic bills, while your private insurer handles the rest.
When in doubt, talk to Imana Insurance Kenya Ltd to compare quotes and customize your plan. You’ll see how affordable it can be to get proper coverage for your family.
📞 0113 619 635 | 0745 218 460 | 0113 806 810
🌐 www.imana.co.ke | www.mykava.co.ke
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands — Nairobi
#SHIFKenya #MedicalInsuranceKenya #PrivateHealthCover #ImanaInsurance #CompareBuySave #HealthForAll
A Step-by-Step Guide to Filing Your Medical Insurance Claim in Kenya
And Actually Getting Paid Fast!
We’ve all heard the horror stories — “I submitted my claim three months ago and nothing!” 😩
But here’s the truth: if you know how to play it right, you can have your claim processed fast and painlessly. Let’s simplify the journey.
Step 1: Notify Immediately
After visiting the hospital or being discharged, contact your insurer or your insurance agent right away — ideally within 24–48 hours. Delay is the number-one reason claims get rejected.
If you’re insured through Imana Insurance Kenya, you can send your invoices and doctor’s notes directly via WhatsApp for faster feedback.
Step 2: Collect All Documents
Have everything ready: your claim form, doctor’s report, itemized invoice, receipts, discharge summary (if admitted), and your insurance card or ID. For inpatient cases, a signed claim form and NHIF/SHIF statement are also vital.
Step 3: Submit Promptly
Send your documents through your insurer’s online portal, email, or hand them to your intermediary. Make sure copies are legible and complete.
Step 4: Wait for Assessment
The insurer will review the documents, confirm that the treatment is covered, and check your limits and waiting periods.
Step 5: Approval & Payment
If approved, payment goes directly to the hospital (for cashless covers) or to your account (for reimbursements). Properly filed claims are typically settled within 3 to 14 days.
Step 6: Avoid Common Pitfalls
- Don’t submit incomplete documents.
- Avoid claiming for treatments excluded in your policy.
- Always visit accredited hospitals.
When you insure or claim through Imana Insurance, their team follows up till your reimbursement lands. Because insurance should protect you — not stress you.
🌐 www.imana.co.ke| www.mykava.co.ke
| WhatsApp +254 796 209 402
#MedicalClaimsKenya #InsuranceMadeSimple #ImanaInsurance #ClaimSmart #KenyaHealth #CompareBuySave
How to Choose the Best Health Insurance for Your SME Employees in Kenya
Protecting Your Team = Protecting Your Business
If you’re running an SME, your people are your power. Yet many small business owners still think health insurance is “for big corporates.” Wrong.
A single medical emergency can wipe out an employee’s savings — or derail your business flow.
Here’s how to do it right:
✅ Start with Why
Health cover boosts morale, loyalty, and productivity. Your employees know you care, so they show up better — literally and emotionally.
✅ Know Your Budget
You don’t need millions. SME plans start from as low as KSh 30,000 – 100,000 per employee per year, depending on coverage and hospital network.
✅ Pick What Matters
Look for a package that includes inpatient, outpatient, maternity, dental, optical, and last expense.
Add dependents (spouse and kids) to make it more family-friendly. And go for cashless hospitals so staff don’t pay first, then claim later.
✅ Choose Flexible Providers
Your workforce changes. Pick an insurer that allows you to add or remove members easily. Through Imana Insurance Kenya, you can get SME packages from Jubilee, APA, GA Life, Madison, Britam, and AAR — all compared side-by-side so you only pay what makes sense for your business.
✅ Work With a Trusted Partner
Imana doesn’t just sell you a policy; they walk the journey — from quotation to renewal, to claim follow-up. That’s why SMEs across Kenya trust them.
📍 4th Floor, Krishna Centre, Westlands, Nairobi
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810
#SMEHealthKenya #EmployeeBenefits #MedicalInsuranceKenya #ImanaInsurance #CompareBuySave #KenyaBusiness #CorporateHealth
