SHIF (Social Well being Insurance coverage Fund) is a model new healthcare financing system in Kenya, set to launch operations on March 1st, 2024. It goals to exchange the present NHIF (Nationwide Well being Insurance coverage Fund) and supply common well being protection to all Kenyans, no matter their employment standing.
Registration for brand spanking new members will formally start on March 1st, 2024. The particular course of and channels for registration will probably be introduced nearer to the launch date. You possibly can anticipate info from official sources just like the Ministry of Well being, NHIF, and the Social Well being Authority (SHA) web sites and social media channels. Below the brand new legislation, all kids born within the nation will probably be registered as members of the fund at start.
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Social Well being Insurance coverage Fund Charges
In contrast to NHIF the place  contributions various based mostly on revenue classes, SHIF contribution would require a 2.75% contribution on gross wage. This implies greater earners will contribute extra underneath SHIF. Beneath is a breakdown of how this will probably be tariffed.
| Gross Pay | Previous Deduction (NHIF) | New Deduction (SHIF) |
|---|---|---|
| Sh20,000 | Sh750 | Sh550 |
| Sh50,000 | Sh1,200 | Sh1,375 |
| Sh100,000 | Sh1,700 | Sh2,750 |
| Sh200,000 | Sh1,700 | Sh5,500 |
| Sh500,000 | Sh1,700 | Sh13,750 |
| Sh1,000,000 | Sh1,700 | Sh27,500 |
SHIF goals to supply wider protection, together with continual sickness administration, emergency companies, and psychological well being care. NHIF had limitations in these areas. On Eligibility, SHIF is obligatory for all Kenyan residents and residents, whereas NHIF was largely voluntary. The SHIF will probably be funded by a mix of particular person and employer contributions, authorities allocations, and donor assist. NHIF relied solely on contributions.
Each Kenyan family will probably be liable to contribute to the fund. The invoice proposes extending medical health insurance to all Kenyans based mostly on member contributions, with government-subsidized protection for these experiencing poverty.
Transition from NHIF
The NHIF will probably be phased out by October 2024, and its funds will probably be transferred to SHIF. SHIF will substitute NHIF as the first medical health insurance supplier. The prevailing NHIF members will probably be mechanically transitioned to SHIF, and their contributions will probably be credited in the direction of their new protection.
All Kenyans and foreigners residing in Kenya should register and take part in SHIF for over 12 months. Registration will probably be steady at numerous factors as prescribed by the Cupboard Secretary. Proof of SHIF membership will probably be required to entry public companies from nationwide and county governments.
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Conclusion
SHIF goals to create a extra strong and inclusive healthcare system, making certain that every one Kenyans have entry to important medical companies. It represents a big step in the direction of attaining common healthcare in Kenya. Nevertheless, its success will rely on overcoming implementation challenges and making certain monetary sustainability and equitable entry for all.
