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

Does SHA Cover Emergency Care? Your Guide to Urgent Medical Situations

What happens when you need emergency care under SHA? Here's what's covered, what's not, and how to get treatment without delays or surprise bills.

Jul 6, 2026Read

KKeryl Kelonye

SHA Benefits for Civil Servants: Your Complete Guide

Civil servants have unique SHA benefits through government remittance. Here's what's covered, how it works, and how to maximize your entitlements.

Jun 25, 2026Read

KKeryl Kelonye

SHA Maternity Benefits: What's Covered and What's Not

Planning a baby? Here's everything covered under SHA maternity benefits — from antenatal visits to delivery — plus what you'll need to pay out of pocket.

Jun 18, 2026Read

KKeryl Kelonye

SHA vs Private Health Insurance: When You Need Both

SHA is mandatory. Private insurance is optional. But do you actually need both? Here's how to decide based on your situation and budget.

Jun 11, 2026Read

KKeryl Kelonye

Does SHA Cover Optical and Glasses? What You Need to Know

Can you get glasses with SHA? Here's exactly what optical services are covered, the limits, and how to access them at accredited facilities.

Jun 8, 2026Read

KKeryl Kelonye

SHA vs SHIF: What's the Difference and Which One Covers You?

Confused about SHA and SHIF? You're not alone. Here's a simple breakdown of what each one is, how they work together, and what you're actually paying for.

Jun 1, 2026Read

KKeryl Kelonye

Maternity Insurance in Kenya: What to Buy Before You Start Trying

Waiting periods (usually 12 months), what maternity cover includes, inpatient vs outpatient maternity, costs at different hospitals. Plan your maternity insurance before conceiving.

May 18, 2026Read

KKeryl Kelonye

Critical Illness Cover in Kenya: The Policy That Pays When You're Diagnosed, Not When You Die

What critical illness cover is, how it differs from life insurance and medical insurance, which illnesses are typically covered, and how the lump sum payout works in Kenya.

Apr 16, 2026Read

KKeryl Kelonye

Dental and Optical Insurance in Kenya: Is It Worth Adding to Your Medical Cover?

What dental/optical riders cost, what they cover, when they're worth it vs paying cash. Includes tips on comparing plans with tools like BimaSasa.

Apr 13, 2026Read

KKeryl Kelonye

How Much Does Health Insurance Cost in Kenya? Use Our Free Calculator

Find out exactly what you'll pay for health insurance in Kenya. Our free calculator compares 40+ insurers instantly — no calls, no waiting.

Mar 29, 2026Read

KKeryl Kelonye

Group Medical Insurance for Small Businesses in Kenya: A No-Fluff Guide

Everything Kenyan small business owners need to know about group medical insurance — minimum employees, how to compare plans, what to watch for, and how to get the best value for your team.

Mar 23, 2026Read

KKeryl Kelonye

The Emergency, Chronic & Critical Illness Fund (ECCIF) Explained: Hope, Limits, and Reality

What is ECCIF under SHA? This guide explains the Emergency, Chronic & Critical Illness Fund, what it covers, where it stops, and how Kenyans should plan realistically for serious illness.

Feb 6, 2026Read

KKeryl Kelonye

The Primary Healthcare Fund (PHCF) Explained: Why You’re Paying for Care You Rarely Notice

What is the Primary Healthcare Fund (PHCF) under SHA? This guide explains what PHCF covers, why it feels invisible, who benefits most, and where its limits are in Kenya.

Jan 28, 2026Read

KKeryl Kelonye

SHA vs SHIF vs Private Insurance: Which One Actually Saves You?

SHA, SHIF, or private insurance — which one really saves you in Kenya? This practical guide compares all three using real-life scenarios so you can build protection that actually works.

Jan 21, 2026Read

KKeryl Kelonye

SHA vs SHIF Explained: What Actually Changed, and What Didn’t

Confused about SHA vs SHIF in Kenya? This clear, non-political guide explains what actually changed from NHIF, what didn’t, and how Kenyans should protect themselves under the new health system.

Jan 4, 2026Read