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

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

KKeryl Kelonye

Before 2026 Starts: 7 Insurance Decisions Every Kenyan Should Make

Before 2026 starts, there are 7 insurance decisions every Kenyan should make. From health cover to lapses and SHA limits, this guide helps you start the new year protected — not exposed.

Dec 24, 2025Read

KKeryl Kelonye

Your Payslip Isn’t Enough: How TSC Teachers Can Maximize Their SHA Deduction

TSC teachers in Kenya pay 2.75% to SHA every month — but are you getting full value? This guide shows teachers how to turn their SHA deduction into real health security by combining it with smart private cover.

Nov 26, 2025Read

KKeryl Kelonye

Decoding the Deal: How to Read a Kenyan Medical Insurance Quote Like a Pro

Confused by medical insurance quotes in Kenya? This no-nonsense guide shows you how to read and decode a health cover quote like a pro — from sub-limits to exclusions.

Oct 31, 2025Read

KKeryl Kelonye

You Bought Medical Insurance. Now What? The Smart User's Guide to Your Policy

Buying medical insurance in Kenya is step one. This smart guide shows how to actually use your policy — from waiting periods to hospital networks — so your cover works when you need it.

Oct 12, 2025Read

KKeryl Kelonye

The "Affordable" Medical Cover Myth: A No-BS Guide for Young Kenyans

Is affordable medical insurance in Kenya really affordable? This no-BS guide busts the myths, exposes hidden costs, and shows young Kenyans how to choose cover that actually works.

Sep 26, 2025Read

KKeryl Kelonye

The Ultimate Checklist: How to Choose Your First Medical Cover in Kenya for Under KES 2,500/Month

Health insurance in Kenya doesn’t have to cost a fortune. This ultimate checklist shows how to choose your first medical cover for under KES 2,500/month — and avoid rookie mistakes.

Sep 12, 2025Read

KKeryl Kelonye

NHIF Supa Cover vs. Private Insurance: I Broke Down the REAL Costs for a 28-Year-Old in Nairobi

Is NHIF Supa Cover enough for young Kenyans? This breakdown shows the real costs for a 28-year-old in Nairobi comparing NHIF vs private insurance — and why a mix of both may be the smartest move.

Sep 4, 2025Read

KKeryl Kelonye

A Guide to Kenya's Social Health Authority (SHA): What the NHIF Transition Means for Your Payslip and Your Health

Learn what Kenya’s new Social Health Authority (SHA) means for your payslip, healthcare access, and insurance options. Understand the NHIF to SHA transition, new contribution rates, and how the SHA’s three-fund system works.

Aug 13, 2025Read

KKeryl Kelonye

Best Family Medical Cover in Kenya (2025): Compare Top Health Plans for Real-Life Needs

Confused by all the family health insurance options in Kenya? This 2025 comparison guide breaks down the best family medical plans by budget, benefits, hospitals, and real-life scenarios.

Aug 5, 2025Read

KKeryl Kelonye

The 5-Step Decision Framework: How to Choose the Best Health Insurance in Kenya—Systematically & Without a Headache

Confused by dozens of Kenyan health insurance options? This in-depth guide gives you a 5-step, data-driven decision system to confidently choose the right policy for your needs and budget.

Jul 25, 2025Read

KKeryl Kelonye

Insurance for Aging Parents in Kenya: A Family Story of Value and Dignity

A powerful guide to having the most important conversation about your parents’ dignity, independence, and healthcare in Kenya. Learn how to protect your loved ones from crisis with a family healthcare pact rooted in love and preparedness.

Jul 24, 2025Read