SHA Health Coverage Gap

Find your exact SHA (SHIF) contribution and the private top-up cost needed to cover what SHA doesn't — private hospitals, dental, optical, and more.

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2.75%

of your gross salary goes to SHIF — but SHA only covers accredited public facilities. Private hospitals, dental, and optical are not included.

Social Health Insurance Act 2023 · SHA

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Ksh 1,500–3,500/mo

is the typical SHA top-up cost for a single person. Paired with SHA, it gives full private hospital access at a fraction of standalone cover.

JiPange 2026 market survey

Employment type

Gross monthly salary (KES)

Who are you covering?

I want to access private hospitals

SHA alone only covers accredited public facilities