You probably have a lot of questions about Kenya’s new public health insurance scheme, SHIF.
How do I register? What are the Requirements to Register? Do I even qualify? Will it really make healthcare more affordable? And most importantly, How does it differ from the old system?
These are all valid concerns as Kenya embarks on an ambitious journey to revolutionize its public healthcare. The Social Health Insurance Fund, or SHIF, isn’t just another government program – it’s a fundamental shift in how we think about and access healthcare in our country.
But first, let’s demystify SHIF…
Also Read: What is SHIF and How Will it be Different from NHIF
What is SHIF
The Social Health Insurance Fund (SHIF) represents a groundbreaking initiative in Kenya’s healthcare sector, designed to revolutionize how citizens access and pay for medical services.
SHIF embodies the principle of universal health coverage, aiming to ensure that every Kenyan, regardless of their economic status, can receive quality healthcare without facing financial hardship.
The Social Health Authority (SHA) is the government agency tasked with overseeing SHIF. Other funds under SHA are; the Primary Health Care Fund (PHCF) and the Emergency Chronic and Critical Illness Fund (ECCF).
How will SHIF be different from NHIF? Find out below…
The SHIF commenced on July 1, 2024.
Comprehensive Coverage by SHIF
SHIF provides an extensive range of medical services, including:
Outpatient Care: Routine check-ups, consultations, and minor treatments.
Inpatient Services: Hospital stays, surgeries, and intensive care.
Maternity Care: Prenatal, delivery, and postnatal services. The government announced the resumption of Linda Mama Program under SHA
Emergency Treatment: Urgent medical attention for acute conditions or injuries.
Chronic Disease Management: Ongoing care for long-term health conditions.
Preventive Services: Vaccinations, health screenings, and wellness programs.
How to Register for the Social Health Insurance Fund (SHIF)
You can register for SHIF using three methods: USSD code, online portal, or in person at designated registration centers. Here’s a step-by-step guide on how to register for SHIF using each method:
How to Register for the Social Health Insurance Fund (SHIF) Infographic
SHA USSD Code Registration: *147#
Step 1: Dial *147#
Step 2: Enter national ID number
Step 3: Enter 1 to proceed
Step 4: Set a 4 digit PIN
Step 5: Confirm 4 digit PIN
Step 6: Enter employment status
Step 7: Enter your civil status
Step 8: Enter whether you are a person with disability
Step 9: You’ll receive a text showing your SHA Application has been received and queued for processing:
How to Register SHIF Online
Step 1: Visit the official SHIF website and click “register”
Step 2: Click “proceed” to register
Step 3: Create an account with personal details
Step 4: Verify identity through OTP sent to registered phone number
Step 5: Key in additional identification information and required documents (passport photo)
Step 6: Add contact information, including address
Step 7: Confirm and submit details
Step 8: Set up and confirm your PIN
Step 9: Add household characteristics and education
Step 10: Complete the form of Means Testing then click “Complete”
In-Person Registration:
Step 1: Visit an authorized SHIF agent
Step 2: Fill out physical registration forms
Step 3: Provide necessary documentation
Step 4: Receive assistance with biometric verification and account activation
What are the Required Documents for SHIF Registration
When registering for SHIF, applicants need to provide:
1. National ID or passport
2. Recent passport-sized photograph
3. Proof of income (e.g., payslip, bank statement, KRA PIN certificate)
4. For dependents: Proof of relationship (marriage/birth certificates) and their identification documents
Benefits of SHIF Membership
1. Financial Protection: Members are shielded from catastrophic health expenditures that could otherwise lead to poverty.
2. Quality Assurance: SHIF partners with accredited healthcare facilities, ensuring members receive high-quality care. Here is the full list of SHIF accredited healthcare facilities
3. Preventive Focus: The program emphasizes preventive care, potentially reducing the overall disease burden in communities.
4. Expanded Healthcare Network: Members gain access to a wide range of healthcare providers across Kenya. The government announced free medical coverage for all citizens under 18 as part of the SHIF program.
5. Portable Coverage: SHIF benefits can be accessed at any participating facility in the country, providing flexibility for members who travel or relocate.
SHIF Contribution Structure
SHIF employs a tiered contribution system to ensure inclusivity:
1. Formal Sector Employees: Contributions are typically shared between employers and employees, with a percentage deducted from monthly salaries.
2. Informal Sector Workers: Flexible payment options are available, including monthly, quarterly, or annual contributions.
3. Low-Income Individuals: Subsidized rates or exemptions may be offered to ensure coverage for the most vulnerable populations.
4. Students and Retirees: Special rates are often provided to accommodate these groups’ unique financial situations.
Eligibility
To be eligible for SHIF, individuals must meet the following criteria:
1. Kenyan citizenship or legal residency
2. Age requirement: 18 years or older
3. Possession of a valid national ID or passport
What are the Two SHIF Membership Categories?
SHIF offers two primary membership categories:
1. Principal Members: The main account holders, typically the primary income earners in a household.
2. Dependents: Family members covered under the principal member’s account, including spouses and children.
Post-Registration Management
After successful registration, members can manage their SHIF accounts through the following actions:
1. Updating Personal Information: Log into the Afyangu account to modify contact details, address, or employment status.
2. Managing Dependents: Add or remove family members from coverage as needed.
3. Monitoring Contributions: Check payment history and upcoming dues through the online portal.
4. Accessing Services: Present SHIF membership information at accredited healthcare facilities to receive covered services.
Key Takeaway
The Social Health Insurance Fund marks a significant step forward for healthcare in Kenya. By pooling resources and focusing on preventive care, SHIF aims to make quality healthcare accessible to all Kenyans, regardless of their economic status.
