- Author: Raymond
- Category: Medical Insurance
James and Selina: Who Bears the Heavier Burden in a Medical Crisis?
Life is unpredictable. One day it’s school runs and office deadlines, the next it could be a hospital corridor and a doctor’s report that changes everything. Let’s walk through the lives of two ordinary people — James and Selina — and see how the strength of their financial planning determines who sinks deeper when crisis knocks.
Meet Selina
Selina is a single mom raising three energetic boys. Like most mothers, her greatest fear is seeing her children suffer without the means to help. Out of foresight and sacrifice, Selina took a medical insurance cover that caters for her and the boys. The premiums may stretch her budget sometimes, but she sleeps knowing one emergency won’t wipe out years of hard work.
Meet James
James, on the other hand, is married with four children — two girls and two boys. His family depends on the Social Health Authority (SHA) scheme because he works as a government ministry clerk. SHA coverage is useful, yes, but it often comes with limitations: capped benefits, fewer hospital options, and long waiting times for approvals.
The Test: Hospitalization Beyond a Month
Now imagine both families are hit with a tough scenario: one family member is hospitalized for over a month.
For Selina, her medical cover shields her from paying daily bills out of pocket. She can focus on her child’s recovery rather than calculating which asset to sell next. The insurer shoulders the lion’s share of the cost.
For James, while SHA provides a layer of support, it may not fully cover prolonged stays, specialized treatment, or expensive drugs. The gaps — co-payments, out-of-stock medication, or extra procedures not listed in SHA — easily push him into borrowing, fundraising, or even sinking savings.
Who Is More Likely to Grow Poorer?
James.
Because depending solely on SHA without a supplementary cover leaves him exposed to financial strain. Prolonged hospitalization is expensive. Even a middle-class family can spiral into debt within weeks.
The Lesson
Insurance is not just a policy, it’s a lifeline. Selina’s sacrifice in paying premiums puts her in a safer position than James, despite her being a single mother. It proves one point clearly: having a proper medical cover is cheaper than the cost of being unprepared.
At Imana Insurance Agency Kenya Ltd, we’ve seen countless families break under the weight of medical bills that could have been avoided. That’s why we provide affordable, flexible health covers tailored for individuals, families, and businesses. With us, you don’t just buy a policy — you buy peace of mind.
📞 Call/WhatsApp: 0796 209 402 | 0745 218 460
🌐 Visit: www.imana.co.ke | www.mykava.co.ke
📍 Location: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
