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

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

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

Asha and David: What Kenya’s New SHA Policy Means for Salaried vs. Self-Employed Citizens

Explore how Kenya’s new 2.75% Social Health Authority contribution impacts salaried employees vs. self-employed workers—through the real-world stories of Asha and David.

Jul 26, 2025Read