The Keryl Kelonye Insurance Blog

Stay informed about the latest trends, tips, and best practices in the Kenyan insurance industry. I'm a licensed insurance agent with a passion for helping people understand their insurance needs and find the best coverage for their needs.

KKeryl Kelonye

What to Expect at Your Life Insurance Medical Exam

The insurer wants a medical exam before approving your policy. Here's what they check, how to prepare, and what affects your premium.

Oct 12, 2026Read

KKeryl Kelonye

SHA for Self-Employed and Voluntary Contributors

No employer to contribute for you? Here's how to register for SHA as self-employed or informal sector worker, and what you'll pay.

Oct 9, 2026Read

KKeryl Kelonye

Critical Illness Insurance vs Health Insurance: What's the Difference?

Health insurance pays your hospital bills. Critical illness pays YOU when diagnosed. They're different products. Here's when you need each.

Oct 5, 2026Read

KKeryl Kelonye

SHA Cover Limits 2026: What SHA Pays, and Where It Stops

Every SHA limit in one place: KES 2,240-4,480 a day inpatient, 180 days per household, KES 400,000 cancer cover, KES 30,000 C-section, and what you pay.

Oct 3, 2026Read

KKeryl Kelonye

SHA Offices Near Me: All 47 County Offices and Contacts

Find your nearest SHA office: every county office with location, phone and email, plus the 0800 720 601 toll-free line, *147# and which issues need a visit.

Oct 3, 2026Read

KKeryl Kelonye

SHA Facility Accreditation: Levels, Rights and Red Flags

What SHA accreditation actually means, which facility levels it covers, how to verify a hospital's status, and what your rights are if you are denied care.

Oct 2, 2026Read

KKeryl Kelonye

Premium Financing: How to Afford Insurance You Need

Can't afford the annual premium upfront? Premium financing lets you spread the cost. Here's how it works and when it makes sense.

Sep 28, 2026Read

KKeryl Kelonye

How to File Complaints and Appeals with SHA

Service denied. Bill wrong. Treatment refused. Here's how to formally complain to SHA and appeal decisions you disagree with.

Sep 25, 2026Read

KKeryl Kelonye

Group Life Insurance in Kenya: What Employees Should Know

Your employer provides group life insurance. But what does it actually cover? Here's what you need to understand about your workplace life cover.

Sep 21, 2026Read

KKeryl Kelonye

Paying for Your Parents' Health Cover in Kenya

You can pay for your parents' medical cover in Kenya from abroad. What to arrange, what to disclose, and the one thing that quietly expires while you wait.

Sep 6, 2026Read

KKeryl Kelonye

Insuring a House You Are Building in Kenya

The cover you need while building is not the cover you need after. Contractors' All Risks, the gap at handover, and the clause that can halve your claim.

Sep 6, 2026Read

KKeryl Kelonye

Last Expense Cover for Parents in Kenya

If you live abroad, the funeral costs land on you. How last expense cover works, who can be covered, and how to choose a benefit amount that is not a guess.

Sep 6, 2026Read

KKeryl Kelonye

Political Violence and Terrorism Cover in Kenya

Property policies exclude political violence and terrorism, and riot cover does not close the gap. What PVT covers, and why timing decides if you can buy it.

Sep 6, 2026Read

KKeryl Kelonye

Funeral Cover in Kenya: Is Last Expense Insurance Worth It?

Funeral cover is affordable and pays quickly. But is it enough? Here's what you need to know about last expense insurance in Kenya.

Aug 24, 2026Read

KKeryl Kelonye

Key Person Insurance Kenya: Cover Your Critical Staff

If your top salesperson or CEO died tomorrow, could the business survive? Key person insurance covers that gap, and here is how Kenyan SMEs set it up.

Aug 24, 2026Read

The Keryl Kelonye Insurance Blog

KKeryl Kelonye

What to Expect at Your Life Insurance Medical Exam

The insurer wants a medical exam before approving your policy. Here's what they check, how to prepare, and what affects your premium.

Oct 12, 2026Read

KKeryl Kelonye

SHA for Self-Employed and Voluntary Contributors

No employer to contribute for you? Here's how to register for SHA as self-employed or informal sector worker, and what you'll pay.

Oct 9, 2026Read

KKeryl Kelonye

Critical Illness Insurance vs Health Insurance: What's the Difference?

Health insurance pays your hospital bills. Critical illness pays YOU when diagnosed. They're different products. Here's when you need each.

Oct 5, 2026Read

KKeryl Kelonye

SHA Cover Limits 2026: What SHA Pays, and Where It Stops

Every SHA limit in one place: KES 2,240-4,480 a day inpatient, 180 days per household, KES 400,000 cancer cover, KES 30,000 C-section, and what you pay.

Oct 3, 2026Read

KKeryl Kelonye

SHA Offices Near Me: All 47 County Offices and Contacts

Find your nearest SHA office: every county office with location, phone and email, plus the 0800 720 601 toll-free line, *147# and which issues need a visit.

Oct 3, 2026Read

KKeryl Kelonye

SHA Facility Accreditation: Levels, Rights and Red Flags

What SHA accreditation actually means, which facility levels it covers, how to verify a hospital's status, and what your rights are if you are denied care.

Oct 2, 2026Read

KKeryl Kelonye

Premium Financing: How to Afford Insurance You Need

Can't afford the annual premium upfront? Premium financing lets you spread the cost. Here's how it works and when it makes sense.

Sep 28, 2026Read

KKeryl Kelonye

How to File Complaints and Appeals with SHA

Service denied. Bill wrong. Treatment refused. Here's how to formally complain to SHA and appeal decisions you disagree with.

Sep 25, 2026Read

KKeryl Kelonye

Group Life Insurance in Kenya: What Employees Should Know

Your employer provides group life insurance. But what does it actually cover? Here's what you need to understand about your workplace life cover.

Sep 21, 2026Read

KKeryl Kelonye

Paying for Your Parents' Health Cover in Kenya

You can pay for your parents' medical cover in Kenya from abroad. What to arrange, what to disclose, and the one thing that quietly expires while you wait.

Sep 6, 2026Read

KKeryl Kelonye

Insuring a House You Are Building in Kenya

The cover you need while building is not the cover you need after. Contractors' All Risks, the gap at handover, and the clause that can halve your claim.

Sep 6, 2026Read

KKeryl Kelonye

Last Expense Cover for Parents in Kenya

If you live abroad, the funeral costs land on you. How last expense cover works, who can be covered, and how to choose a benefit amount that is not a guess.

Sep 6, 2026Read

KKeryl Kelonye

Political Violence and Terrorism Cover in Kenya

Property policies exclude political violence and terrorism, and riot cover does not close the gap. What PVT covers, and why timing decides if you can buy it.

Sep 6, 2026Read

KKeryl Kelonye

Funeral Cover in Kenya: Is Last Expense Insurance Worth It?

Funeral cover is affordable and pays quickly. But is it enough? Here's what you need to know about last expense insurance in Kenya.

Aug 24, 2026Read

KKeryl Kelonye

Key Person Insurance Kenya: Cover Your Critical Staff

If your top salesperson or CEO died tomorrow, could the business survive? Key person insurance covers that gap, and here is how Kenyan SMEs set it up.

Aug 24, 2026Read