- Author: Raymond
- Category: Medical Insurance
When Two Covers Meet: How SHA/SHIF and Your Private Medical Insurance Work Together
Imagine this: Mary, a young mother of two in Nairobi, rushes her child to the hospital late at night. Panic, worry, and endless forms at the reception. The bill is expected to shoot up to Ksh. 250,000. She sighs with relief, remembering she has SHA/SHIF and a private medical cover. But then she wonders—which cover pays first? Will she end up paying from her pocket?
Most Kenyans who have both SHA/SHIF (Social Health Authority / Social Health Insurance Fund) and a private medical cover worry about duplication. They think: “Will the two insurers start arguing while my patient is waiting for treatment?” Nobody wants to be caught between hospital policies and paperwork when health emergencies are involved.
Here’s the truth: SHA/SHIF and private insurers actually work together.
Step 1: SHA/SHIF settles the part of the bill it covers (usually standardized benefits like consultation, admission, maternity, or certain procedures).
Step 2: Your private insurer steps in to clear the balance—specialist charges, higher ward preferences, or extra diagnostics not covered by SHA/SHIF.
Step 3: You, the member, walk out with your loved one treated, without dipping into savings.
In Mary’s case, SHA/SHIF cleared Ksh. 80,000 of the total bill. Her private cover settled the remaining Ksh. 170,000. Not a single coin left her M-Pesa. That’s what real financial protection feels like.
Why It Works – Pricing, Value, and Smart Choices
SHA/SHIF contribution: as low as Ksh. 300 per month depending on your income bracket.
Private insurance add-ons: family medical covers start from Ksh. 10,000 annually.
Together, they create a safety net worth hundreds of thousands, sometimes millions, in medical benefits.
Think of SHA/SHIF as your foundation cover—reliable and nationwide. Private insurance becomes your upgrade, adding flexibility, bigger hospital networks, and higher benefit limits.
At Imana Insurance Agency, we don’t just talk—we partner with top insurers in Kenya and East Africa. From corporate names you trust to emerging providers offering tailored packages, we design medical cover combinations that fit your life, your budget, and your peace of mind.
When SHA/SHIF meets private cover, you win. And with Imana guiding you, you win bigger.
Don’t leave your family’s health to chance. Be like Mary—protected from both ends.
📲 WhatsApp us now: +254 745 218 460 | +254 113 619 635 | +254 113 806 810
🌐 Websites: www.imana.co.ke | www.mykava.co.ke
📍 Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
💳 M-Pesa Paybill: 7596117 (Use your ID or Cover Number as the account)
Because with Imana Insurance, you’re not just insured—you’re reassured.
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