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

Best Private Insurance to Top Up SHA in Kenya (2026)

SHA covers the basics, but private insurance fills the gaps. Here are the best top-up options for faster service, private hospitals, and better coverage.

Jul 10, 2026Read

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 vs NHIF: The Complete Transition Guide for 2026

Still confused about NHIF vs SHA? Here's what changed, what stayed the same, and what you need to do to ensure you're properly covered under the new system.

Jul 3, 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

How to Check Your SHA Registration Status Online

Not sure if you're registered with SHA? Here's how to check your status online, what to do if you can't find your record, and how to fix common registration issues.

Jun 15, 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

Complete List of SHA-Accredited Hospitals in Nairobi (2026)

Need to find an SHA hospital in Nairobi? Here's the complete list of accredited facilities by area — from Westlands to Eastlands, CBD to Karen.

Jun 4, 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

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

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