SHA Health Coverage Gap

Find your exact SHA (SHIF) contribution and the private top-up cost needed to cover what SHA doesn't — private hospitals, dental, optical, and more.

Employment type

Gross monthly salary (Ksh)

Ksh

Who are you covering?

I want to access private hospitals

SHA alone only covers accredited public facilities

⚠️

2.75%

of your gross salary goes to SHIF — but SHA only covers accredited public facilities. Private hospitals, dental, and optical are not included.

Social Health Insurance Act 2023 · SHA

💡

Ksh 400–1,500/mo

is what individual private cover is advertised at in Kenya — entry plans from about Ksh 400 a month, inpatient-focused cover nearer Ksh 700–1,500. Paired with SHA it buys private hospital access; premiums rise with age and benefit limits, so treat this as a starting point and get a quote.

Published individual premiums, Kenyan insurers 2026 — indicative, verify with a provider

Spotted a figure that looks wrong? Tell us what it should be. Tax bands and rates change on somebody else’s schedule — a reader with their own payslip catches a stale one faster than we do.