EXPLAINER: How to use SHA and get treated in public hospitals

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Under Kenya’s new Social Health Authority (SHA), you no longer need to carry an NHIF card or pay cash to receive basic treatment in public hospitals. 

But many Kenyans are still asking, ‘How does SHA really work?’

Here’s your easy guide:

1.  Do you have to pay a full year upfront?

No. SHA requires monthly contributions, not a lump-sum annual payment.

Sh300 per month for the self-employed/unemployed

2.75pc of your gross monthly income for salaried workers

You must be up to date with your contributions to access full benefits.

2.  Does SHA cover outpatient services?

Yes. SHA covers both outpatient and inpatient care in public hospitals.
Services include:

Doctor consultations

Lab tests, and diagnostics

Medication

Minor surgeries

Maternity care

SHA also includes chronic disease management (e.g., hypertension, diabetes) under outpatient services.

3.  What about inpatient care? Is it just for beds like the defunct NHIF?

No. SHA offers more than just beds.

Unlike NHIF which sometimes only covered the hospital bed, SHA inpatient coverage includes:

Admission and ward services

Medication during your stay

Surgical procedures (where applicable)

Nursing care

Discharge planning

However, not all hospitals provide all services, and you may still face delays in drug availability or equipment access--especially in rural facilities.

4.  Do I need a card to be treated?

No card needed. You only need your ID or phone number. The system verifies your SHA registration electronically at the hospital.

5.  How to confirm your SHA status or hospital eligibility

Dial *USSD code 147#

Or visit: www.sha.go.ke

6.  Ongoing concerns

MPs have raised alarm that some hospitals double their fees when they learn patients are using SHA--a practice under investigation. Others say private hospitals are rejecting SHA for some procedures.