- Author: Raymond
- Category: Medical Insurance
Complement SHA with Additional Medical Insurance Covers in Kenya
In Kenya, SHA stands for the Social Health Authority—an initiative being developed by the government to provide affordable, universal healthcare for Kenyan citizens. It is part of Kenya's push towards achieving Universal Health Coverage (UHC), making healthcare more accessible to everyone.
SHA will likely cover basic health services and essential treatments for Kenyans, though the specifics on coverage details are still being finalized.
SHA has replaced NHIF. Dial *147# or visit www.afyayangu.go.ke for self-registration
Complementing SHA with Other Medical Insurance Covers
While SHA aims to provide a foundation of healthcare services, it may not cover all medical needs, such as advanced procedures, specialized treatments, or international care. Here are ways you can complement SHA with additional medical insurance:
1. Private Health Insurance:
a) Additional Coverage: Private health insurance can cover services that SHA may not include, such as higher-quality facilities, private hospital rooms, and specialized consultations.
b) Quicker Access to Treatment: Private insurers often offer quicker access to elective surgeries and treatments, avoiding long waiting periods.
c) Higher Coverage Limits: Many private plans offer higher annual limits and broader coverage for chronic and critical illnesses.
2. SHIF (National Hospital Insurance Fund):
a) Broader Network Access: NHIF’s new plans cover a variety of facilities, including high-cost private hospitals for certain procedures, which may complement SHA’s basic provisions.
b) Outpatient Services: SHIF now covers some outpatient services, which could add a layer of day-to-day coverage that SHA might not fully address.
3. Top-Up or Gap Insurance Plans:
a) Fills Coverage Gaps: These plans are specifically designed to fill any gaps in SHA and SHIF coverage, covering deductibles, co-pays, or additional costs for specific treatments.
b) Additional Benefits: Some gap plans also offer benefits for treatments not typically covered under basic health schemes, like mental health services or alternative medicine.
4. International Medical Insurance:
a) Global Coverage: If you frequently travel or live part-time abroad, international plans cover healthcare outside Kenya, ensuring access to healthcare wherever you are.
b) Advanced Treatment Options: For those seeking advanced treatments not available locally, international insurance can complement SHA by covering medical evacuation and specialized care abroad.
5. Critical Illness and Personal Accident Covers:
a) Focused Protection: These specialized covers provide financial support in case of serious conditions like cancer, heart disease, or major accidents, helping with recovery costs and non-medical expenses, such as lost income.
Combining SHA with private insurance, SHIF, or top-up plans ensures well-rounded coverage that extends beyond basic care to meet specific personal or family healthcare needs. For comprehensive protection, many Kenyans find it helpful to layer these plans based on their health, financial, and lifestyle needs.
Visit www.imana.co.ke or www.mykava.co.ke to get started.
Or reach out to us at 0113619635, 0745218460, or 0113806810. Find us at 4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi.
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