How to File Complaints and Appeals with SHA

The hospital refused to serve you. Your claim was denied. You were billed for something that should be covered.
You can complain. You can appeal.
Here's exactly how to do it.
Table of Contents
- When to File a Complaint
- Types of Issues
- Before You Complain
- How to File a SHA Complaint
- What to Include in Your Complaint
- Complaint Timeline
- Escalating Your Complaint
- How to Appeal a Decision
- Tips for Successful Complaints
- Tracking Your Complaint
- Common Complaint Outcomes
- The Bottom Line
- Next Steps
When to File a Complaint
File a complaint when:
| Issue | Example |
|---|---|
| Service denial | Hospital refused to treat you |
| Wrong billing | Charged for covered service |
| Poor service | Long waits, unprofessional treatment |
| Facility problems | Accredited facility not honoring SHA |
| System errors | Your status shows wrong in system |
| Staff misconduct | Rude, negligent, or unethical behavior |

Types of Issues
Coverage Issues
| Problem | Description |
|---|---|
| Service denied | Told you're not covered |
| Treatment refused | Hospital won't provide needed care |
| Pre-authorization denied | Approval for procedure rejected |
| Claim rejected | Submitted claim not paid |
Billing Issues
| Problem | Description |
|---|---|
| Overcharged | Billed more than should be |
| Charged for covered service | Paid for what SHA should cover |
| Double billing | Charged by hospital and SHA |
| Unexplained charges | Bills you don't understand |
Service Quality Issues
| Problem | Description |
|---|---|
| Long wait times | Excessive delays |
| Inadequate care | Poor quality treatment |
| Staff behavior | Rude or unhelpful staff |
| Facility conditions | Unclean, unsafe conditions |

Before You Complain
Gather Evidence
| Document | Why You Need It |
|---|---|
| Receipts | Proof of what you paid |
| Bills | What you were charged |
| Service denial notice | Written refusal (if any) |
| Your ID copy | Proof of your identity |
| SHA status screenshot | Shows you were active |
| Communications | Emails, texts, letters |
| Witness information | Others who saw the issue |
| Photos/videos | Visual evidence if relevant |

Try to Resolve Locally First
Before escalating:
- Speak to facility supervisor
- Contact facility's complaints desk
- Request written explanation
- Give them chance to fix it
Document these attempts. If local resolution fails, escalate.
How to File a SHA Complaint
Method 1: SHA Super App
- Open SHA Super App
- Login to your account
- Navigate to "Help" or "Support"
- Select "File Complaint"
- Choose complaint category
- Describe the issue in detail
- Upload supporting documents
- Submit
- Note your ticket/reference number
Method 2: SHA Website
- Visit official SHA website
- Find complaints/grievance section
- Fill online complaint form
- Upload documents
- Submit
- Save confirmation
Method 3: SHA Call Center
- Call SHA helpline
- Explain your complaint
- Provide all relevant details
- Request reference number
- Ask for written confirmation
Method 4: SHA Office Visit
- Visit SHA office or Huduma Centre
- Bring all documents
- Fill complaint form
- Submit with copies (keep originals)
- Get receipt/acknowledgment
Method 5: Written Letter
Send formal letter to:
Include:
- Your full name and ID number
- Contact details
- Detailed description of complaint
- Dates and facility name
- What resolution you seek
- Copies of supporting documents

What to Include in Your Complaint
Essential Information
| Item | Details |
|---|---|
| Your details | Name, ID, phone, email |
| Facility involved | Name, location |
| Date of incident | When it happened |
| What happened | Clear, factual description |
| What you want | Specific resolution sought |
Good Complaint Example
"On [date], I visited [Hospital Name] for [treatment]. I presented my ID for SHA verification. The system showed me as active (I have screenshot attached). The hospital refused to treat me under SHA, saying my coverage was inactive. I paid KES [amount] out of pocket (receipt attached). I request a refund of this amount and correction of my status in the system."
Bad Complaint Example
"The hospital was terrible and they refused to help me. This is unacceptable!"
Too vague. No dates, no details, no evidence.

Complaint Timeline
| Stage | Expected Duration |
|---|---|
| Acknowledgment | 2–5 working days |
| Investigation | 10–30 working days |
| Response | Within 30 days ideally |
| Resolution | Varies by complexity |
If no response: Follow up after 14 days with your reference number.
Escalating Your Complaint
If initial complaint isn't resolved:
Level 1: SHA Customer Service
- First point of contact
- Should respond within days
- Can resolve simple issues
Level 2: SHA Complaints Manager
- For unresolved issues
- More formal review
- Request in writing
Level 3: SHA Management
- For serious issues
- If lower levels fail
- Write to Director/CEO
Level 4: External Bodies
If SHA doesn't resolve:
| Body | Role |
|---|---|
| Insurance Regulatory Authority (IRA) | Regulates insurance |
| Ombudsman | Independent dispute resolution |
| Ministry of Health | Policy oversight |
| Consumer protection bodies | Consumer rights |
How to Appeal a Decision
When to Appeal
Appeal when:
- Claim denied (and you disagree)
- Pre-authorization rejected
- Coverage decision you dispute
- Formal decision you believe is wrong
The Appeal Process
Step 1: Request Written Decision
- Get the denial in writing
- Understand the reason for denial
Step 2: Gather Supporting Evidence
- Medical records
- Doctor's recommendations
- Treatment necessity proof
- Policy/benefit documentation
Step 3: Write Your Appeal
- Address the specific reason for denial
- Explain why you believe it's wrong
- Attach supporting evidence
- Be clear about what you want
Step 4: Submit Appeal
- Within appeal timeframe (usually 30 days)
- Keep copy of everything submitted
- Get acknowledgment
Step 5: Wait for Review
- SHA reviews your appeal
- May request more information
- Decision communicated to you
Step 6: Further Appeals
- If denied again, escalate
- External review may be available
- Legal options as last resort
Appeal Letter Template
Tips for Successful Complaints
Do
| Do | Why |
|---|---|
| Be factual | Emotions don't help |
| Be specific | Dates, names, amounts |
| Provide evidence | Support your claims |
| Be clear about what you want | Specific resolution |
| Keep copies | Of everything |
| Follow up | Don't assume it's being handled |
| Be persistent | Don't give up easily |
Don't
| Don't | Why |
|---|---|
| Be abusive | Damages your credibility |
| Exaggerate | Stick to facts |
| Threaten | Unless you mean it legally |
| Give up quickly | Systems are slow |
| Lose your documents | Keep everything |
Tracking Your Complaint
Keep Records
| Item | Details |
|---|---|
| Reference number | From submission |
| Dates | When you submitted, followed up |
| Communications | Calls, emails, letters |
| Responses | What they said |
| Resolutions | Outcomes |
Follow Up Schedule
| Day | Action |
|---|---|
| Day 0 | Submit complaint |
| Day 3–5 | Should receive acknowledgment |
| Day 14 | Follow up if no response |
| Day 30 | Escalate if unresolved |
| Day 45+ | Consider external bodies |
Common Complaint Outcomes
| Outcome | What It Means |
|---|---|
| Complaint upheld | You were right, they fix it |
| Refund issued | Money returned |
| Apology given | Acknowledged mistake |
| Process changed | They fix systemic issue |
| Complaint denied | They disagree with you |
| Compromise offered | Partial resolution |
The Bottom Line
When SHA or facilities don't serve you right:
- Document everything
- Try local resolution first
- File formal complaint with SHA
- Provide evidence
- Follow up persistently
- Escalate if needed
- Don't give up
You have rights. Use them.
Next Steps
- Document your issue thoroughly
- Gather all evidence
- Try local resolution
- File formal complaint via app or office
- Track your complaint
- Read: SHA Benefits Guide
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