• By Raymond Momanyi

Why Your Family Needs Additional Medical Cover to Supplement SHA

Healthcare is one of those things many families only think about seriously when sickness has already knocked at the door. We plan school fees, rent, business capital, savings, travel, investments, and family projects — but many people forget to plan for medical emergencies.

The truth is simple: life can present you with unwelcome surprises. Your income may pause, but your responsibilities will not.

That is why having an additional medical cover to supplement SHA is no longer a luxury. It is a practical financial decision for every individual, parent, business owner, employee, and family in Kenya and across East Africa.

Medical Costs Always Grow Faster Than Your Savings

You may save faithfully for years, but one serious illness can drain your savings faster than you expected.

Hospital admission, medical tests, scans, specialist consultations, drugs, theatre charges, follow-up clinics, and recovery expenses can quickly become overwhelming. Sometimes the issue is not just the hospital bill — it is everything around it.

A critical illness or sudden admission can affect:

• Your income during recovery
• Your family budget
• Your future financial plans
• The savings you worked hard to build
• Your ability to support dependants
• Your peace of mind

This is why medical cover is not just about treatment. It is about protecting your financial journey.

SHA Is Important, But You Still Need a Backup Plan

SHA plays an important role in making healthcare more accessible. However, real-life hospital situations can come with extra costs that families may still have to manage.

In many cases, SHA may help with basic hospital costs such as bed and drugs, while the family may still need support for other medical expenses like:

• Lab tests
• Diagnostic investigations
• Specialist consultation fees
• Scans and imaging
• Follow-up treatment
• Additional outpatient care
• Costs beyond basic cover limits

That is where MyKava Medical Insurance comes in as a supplementary cover.

SHA Will Pay for the Bed and Drugs, MyKava Will Help With Tests and Specialist Fees

When a patient is admitted, the bill is rarely just about the bed. Modern treatment often requires tests, specialist reviews, scans, medication changes, and follow-up care.

These are the costs that can quietly grow and become heavy for families.

With MyKava Medical Insurance, you get an extra layer of protection designed to supplement SHA and give your family more confidence when healthcare costs rise.

Depending on the selected plan, MyKava Medical Insurance can provide:

• Inpatient cover up to Ksh.750,000 per person
• Outpatient cover up to Ksh.75,000 per person
• Financial support beyond basic medical cover
• Wider hospital access
• Protection for individuals, families, and dependants
• Peace of mind during illness or emergencies

Why Families Need Supplementary Medical Cover

A family medical emergency is never just a medical issue. It becomes a financial issue, an emotional issue, and sometimes even a business or employment issue.

When someone you love is unwell, your focus should be on recovery — not running up and down looking for money.

Additional medical cover helps your family prepare for:

1. Unexpected Hospital Bills

Medical emergencies do not wait for payday. A supplementary medical cover helps reduce the pressure when bills arrive suddenly.

2. Specialist Fees and Tests

Specialist doctors, lab work, scans, and diagnostic services can be costly. These are often the expenses that catch families unprepared.

3. Outpatient Treatment

Not every illness leads to admission. Many families spend a lot on consultations, medication, follow-ups, and outpatient treatment.

4. Protecting Your Savings

Your savings should build your future, not disappear overnight because of one medical emergency.

5. Supporting Aging Parents

As parents grow older, medical needs often increase. Having cover helps families support them with dignity and less financial panic.

6. Cover While Travelling Across East Africa

Your health does not stop needing protection when you cross the border. If you travel for work, business, school, family visits, or holidays within East Africa, medical cover gives you extra peace of mind.

Get Covered Even When Travelling Across East Africa

Medical needs can arise anywhere — in Kenya, Uganda, Tanzania, Rwanda, Burundi, South Sudan, or elsewhere in the region.

Whether you are travelling for business, family visits, work, school, or holiday, having medical cover that supports you across East Africa is a smart move.

Do not wait until sickness finds you away from home. Get covered before you travel.

Medical Cover Is Not an Expense. It Is Financial Protection.

Many people delay buying medical cover because they see it as another cost. But the real cost is being uninsured when a serious medical issue happens.

Medical cover protects:

• Your health
• Your income
• Your family
• Your savings
• Your future plans
• Your peace of mind

The goal is simple: when life shifts, your family should not be left exposed.

Final Word

As you plan to grow your savings, plan also for the unexpected.

Life can change quickly. A parent may need care. A child may need urgent treatment. You may need specialist attention. Your income may pause. But your responsibilities will not pause with it.

That is why SHA Supplementary Cover through MyKava Medical Insurance is a wise Plan B for individuals and families.

Do not wait for the hospital bill to teach you the lesson the hard way.

Protect your family. Protect your savings. Protect your peace of mind.

Talk to Imana Insurance Today

Get a free quotation for MyKava Medical Insurance / SHA Supplementary Cover.

Call/WhatsApp: +254 113 806 810 / +254 745 218 460
Email: insurance@imana.co.ke
Website: www.imana.co.ke

Imana Insurance Agency Kenya Ltd
4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi.

Diskava Beta Kava.