• By Raymond Momanyi

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.