The National Health Insurance Fund (NHIF) has been a household name in Kenya for decades. However, starting October 1, 2024, the Kenyan government is officially transitioning to the Social Health Authority (SHA), a new and improved medical cover aimed at providing comprehensive healthcare access to all citizens. This shift is part of the government’s effort to ensure a more efficient, transparent, and equitable healthcare system.
In this article, we’ll guide you step-by-step on how to apply for SHA, its benefits, and key changes you need to know.
What is SHA?
The Social Health Authority (SHA) is the new national medical cover program introduced to replace NHIF. The SHA is designed to provide a broader range of medical services, cater to more Kenyans, and address some of the challenges faced by NHIF, such as inefficiencies and unequal access to healthcare. SHA aims to make healthcare affordable and accessible for everyone, regardless of their income level.
Key Changes from NHIF to SHA
- Coverage Expansion: SHA provides more comprehensive health services, including outpatient, inpatient, maternity, dental, and specialized treatments.
- Contribution Adjustments: Contributions under SHA will be based on income levels, ensuring higher earners contribute more, while those with lower incomes pay less.
- Efficiency in Claim Processing: The SHA system will use an improved digital platform for faster processing of claims and reduced paperwork.
- Universal Coverage: Unlike NHIF, which had gaps in coverage, SHA is designed to include informal sector workers, self-employed individuals, and the unemployed.
Who is Eligible for SHA?
Just like NHIF, the SHA program covers all Kenyan citizens and legal residents. It will focus on both formal and informal workers, including the unemployed, retirees, and vulnerable groups like the elderly and persons with disabilities.
How to Apply for SHA
Applying for SHA is straightforward and can be done both online or at designated SHA offices across the country.
1. Online Application
If you prefer to apply from the comfort of your home, here’s how:
Step 1: Visit the SHA Portal
- Go to the official SHA website (expected to be active starting from October 1, 2024) or use the mobile app once it’s available for download.
Step 2: Register an Account
- You’ll need to create an account by providing your National ID number, phone number, email, and other personal details.
Step 3: Fill Out Your Details
- Complete the application form with your personal information, including your employment status, dependents, and income level. Ensure the details are accurate to avoid delays in processing.
Step 4: Choose Your Payment Option
- Based on your income, the system will calculate your contribution. Choose a payment method that suits you, whether it’s mobile money (e.g., M-Pesa), bank transfer, or through a designated SHA office.
Step 5: Confirmation
- After successful submission and payment, you’ll receive a confirmation SMS or email with your SHA membership number and instructions on how to start using your cover.
2. Manual Application (For Those Without Internet Access)
For those who don’t have access to the internet, you can visit any of the SHA offices or Huduma Centers to apply manually. Here’s the process:
- Step 1: Bring your National ID card and any other necessary documents like your KRA PIN or birth certificates of dependents.
- Step 2: Fill out the SHA application form provided at the office.
- Step 3: Submit the form and make your contribution payment.
- Step 4: Once processed, you will be issued with your SHA membership card or number.
