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Welcome to this guide on how to register for SHIF in Kenya. I'm sure by now you already know what SHIF is and what it represents. If you don't know yet, worry not I have explained in the following paragraph all you need to know.

Table of Contents

1. What is SHIF?
2. Benefits of Being a SHIF Member or Joining SHIF
3. Eligibility for SHIF
4. Required Documents to Register for SHIF
5. How to Register for SHIF in Kenya: Step-by-Step Process
6. Option 1: USSD Code Registration
7. Option 2: Online Registration
8. Option 3: In-Person Registration
9. Post-Registration
10. Updating Personal Information
11. Adding or Removing Dependents
12. Checking Your Contribution Status
13. SHIF (Social Health Insurance Fund) in Kenya: Frequently Asked Questions
14. Final Steps: Enjoying the Benefits of SHIF

What is SHIF?

The Social Health Insurance Fund (SHIF) is a public health insurance program that was established by the Kenyan government to help citizens access affordable and quality healthcare services. It was launched on March 1, 2024, and has since been rolled out across the country.

This program will replace the current National Hospital Insurance Fund (NHIF) and aims to provide better healthcare coverage for all Kenyan citizens. If you are a Kenyan citizen looking to register for SHIF, this guide will provide you with all the necessary information and steps to follow.

Whether you prefer registering online, through the USSD code, or in person, we have everything you need covered. Learn how to become a SHIF member and enjoy its numerous benefits in regard to health insurance.

Benefits of Being a SHIF Member or Joining SHIF

The Social Health Insurance Fund (SHIF) is a vital initiative aimed at enhancing healthcare accessibility for all Kenyan citizens. It operates on the principle of resource pooling, whereby members contribute to a shared fund that covers healthcare costs.

This collective approach ensures that individuals pay for their health care through regular contributions rather than out-of-pocket expenses at the time of service, making healthcare more affordable and equitable.

SHIF provides coverage for a range of medical services, including outpatient and inpatient care, maternity services, and emergency treatment. Members can access healthcare services at accredited facilities, ensuring quality care without financial hardship.

Ideally, the program aims to reduce the financial burden of medical expenses and promote preventive care, ultimately leading to healthier communities.

The benefits of being a SHIF member extend beyond financial savings. Members gain access to a comprehensive network of healthcare providers, ensuring quality treatment when it’s needed most.

SHIF emphasizes preventive health measures, encouraging regular check-ups and early interventions to enhance overall well-being. It is said that prevention is better than cure, right?

Additionally, contribution rates are designed to be affordable with the aim of including as many citizens as possible. These rates may vary based on income levels, allowing for a tiered approach that ensures equitable participation.

For instance:

• Individuals in the lower-income bracket may contribute a minimal monthly fee.
• Higher-income earners might face increased rates, ensuring that the fund remains sustainable.

SHIF is open to all Kenyans over the age of 18, including students, employees, self-employed individuals, and retirees.

Those who are not in formal employment can still contribute and gain access to healthcare services through voluntary membership. Would you join the voluntary membership? Share your thoughts in the comment section.

Eligibility for SHIF

To be eligible for SHIF membership, you must meet the following criteria:

• Be a Kenyan citizen or legal resident
• Be over 18 years old
• Have a valid national identification card (ID) or passport

There are two categories of SHIF membership:

• Principal member: This is the person who is primarily responsible for the SHIF account. It’s usually the main income earner in a household.
• Dependents: These are people who are covered under the principal member’s SHIF account. They typically include spouses and children. Dependents must be listed on the principal member’s account at the time of registration.

Required Documents to Register for SHIF

When registering for SHIF, you will need to provide the following documents:

• National identification card (ID) or passport
• A recent colored passport-sized photograph
• Proof of income (e.g., payslip, bank statement, KRA PIN certificate)

If you are registering dependents, you will also need to provide:

• Proof of relationship (e.g., marriage certificate, birth certificate)
• Photographs and identification documents for each dependent

How to Register for SHIF in Kenya: Step-by-Step Process

Registration for SHIF can be done through three methods: USSD code, online portal, or in-person at designated registration centers. Here’s a step-by-step guide on how to register using each option:

Option 1: USSD Code Registration

1. Dial *147# on your mobile phone.
2. Enter your national identification number (ID) when prompted.
3. Follow the prompts to enter your personal information, including name, date of birth, and contact information.

Option 2: Online Registration

If you prefer to register using your computer or smartphone, you can use the SHIF website. Here’s how:

Step 1: Visit the SHIF Website

1. Open a web browser and visit the Social Health Authority website.
2. Click on the “Register” button at the top of the page.

Step 2: Create an Account

1. On the next page, click “Proceed” to accept the Terms and Conditions.
2. On the registration page, fill in your personal information, including your ID type and number and the phone number associated with your ID.
3. Click “Proceed” to create your account.

Step 3: Complete Registration

1. An OTP (one-time password) will be sent to your registered phone number. Enter it on the website.
2. Congratulations! You have completed and submitted the online pre-registration form. Now you will need to visit any authorized SHA agent for biometric verification and activation.

Step 4: Update Your Information

1. Once you have completed the registration process and activated your account, Click on “Profile” on the SHIF website to update your information.
2. Upload your most recent passport-sized photo.
3. Fill in your employment status and civil status and answer the disability question.
4. Click “Next” to update your contact information. Once done, click “Next” again.
5. On the next page, confirm that everything is correct and accept the declaration by clicking on the box provided.
6. Click “Submit” to complete your registration.
7. Set up your pin, and voila! You’re all set.

Note: To view and manage your profile, log in to your Afyangu account with your ID number and the PIN you created during registration. This is similar to the NHIF selfcare portal.

Option 3: In-Person Registration

You can also register by visiting any authorized SHA agent in your area. Here’s how:

1. Locate the nearest SHIF agent.
2. Visit the agent’s office and request assistance with SHIF registration.
3. Fill out the registration form provided, including personal information, employment status, and contact details.
4. Provide all required documents (ID, photo, KRA PIN, etc) and those of any dependents you wish to add.
5. Follow any further instructions as provided by the agent.
6. Confirm your registration and payment details before leaving.

Also learn: How to Check my CRB Status.

Post-Registration

Once you have successfully registered for the Social Health Insurance Fund (SHIF), it is essential to keep your information up to date to ensure seamless access to healthcare services. Below are guidelines on how to manage your SHIF account effectively.

Updating Personal Information

To update your personal details, such as contact information, address, or employment status, log into your Afyangu account using your ID number and PIN. Then click on “My Profile” to update your information.

Adding or Removing Dependents

To add or remove dependents from your SHIF account, click on “Dependants” on the Afyangu account dashboard. You will be prompted to add or remove dependents by providing the necessary documents and information.

Checking Your Contribution Status

Log into your Afyangu account to check your contribution status at any time. On the dashboard, click on “Overview” to view your contribution history and the amount due for each month.

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SHIF (Social Health Insurance Fund) in Kenya: Frequently Asked Questions

Q1: What is the SHIF and how does it work?The Social Health Insurance Fund (SHIF) is Kenya’s new national health insurance program replacing the National Hospital Insurance Fund (NHIF). SHIF aims to provide universal healthcare access by covering various medical services, from outpatient consultations to chronic illness treatments.

Q2: Who is eligible for SHIF coverage? SHIF is mandatory for all Kenyan citizens and legal residents over the age of 18, covering employed and self-employed individuals. Employers deduct employee contributions, while self-employed individuals contribute independently.

Q3: How do I register for SHIF? Employees are automatically enrolled by their employers. Self-employed individuals can register in person at SHIF offices, online through the SHIF website, or via mobile registration apps. Identification documents like a national ID are typically required.

Q4: How much do employees and employers contribute to SHIF?Contributions from both employees and employers are set at 2.75% of the employee's gross salary each month, with a minimum deduction of KES 300 and no maximum cap. Contributions are due by the 9th of each month to maintain continuous coverage.

Q5: What healthcare services does SHIF cover? SHIF covers a wide range of services, including inpatient and outpatient care, surgeries, maternity, chronic disease management, and mental health services. Members can access these services at SHIF-accredited healthcare facilities.

Q6: Can I choose my healthcare provider under SHIF? Yes, SHIF members can select from a network of accredited providers. However, it’s essential to verify the latest list of accredited facilities to ensure they are part of the SHIF network.

Q7: How can I check my SHIF contributions and coverage status? Members can log into the SHIF online portal to view their contribution records, update details, and check their coverage status. SHIF’s customer service and office locations also provide support.

Q8: What happens if my SHIF contributions are late or unpaid? Late payments may lead to penalties or even suspension of services. Employers must remit employee contributions promptly, while self-employed individuals should ensure timely payments to avoid penalties and maintain access to SHIF benefits.

Q9: How does SHIF differ from NHIF? SHIF offers more extensive healthcare coverage than NHIF, with additional benefits for outpatient and specialized care. The SHIF system also includes more structured contributions to boost Kenya’s universal healthcare funding.

Q10: Are there options for low-income or unemployed individuals under SHIF? Yes, SHIF provides subsidies to assist low-income or vulnerable groups. Eligibility is based on income and other factors, with subsidies designed to support access to essential healthcare services.

Q11: Can I access my SHIF information through mobile applications? Yes, SHIF supports mobile access, allowing users to check their contributions, access credit reports, and manage account information through official mobile apps, providing a convenient way to stay informed on the go.

Q12: Are there any fees for checking my CRB status through SHIF-related services? While some services, like checking contributions, may be free, additional services like CRB status verification may involve fees. Always check with SHIF or the relevant institution regarding any charges to avoid unexpected costs.

Also learn: How to Check if Your Birth Certificate is ready In Kenya.

Final Steps: Enjoying the Benefits of SHIF

As I conclude, Congratulations! You have successfully registered for SHIF and are now a member of the Social Health Insurance Fund. As a SHIF member, you can access various healthcare services at designated health facilities across Kenya. These include inpatient and outpatient care, maternity care, emergency care, and more.

To enjoy these benefits, ensure that you make your monthly contributions on time to avoid service disruptions. You can also contact the SHIF customer care center for any inquiries or assistance with managing your account.

Together, let’s work towards improving access to quality healthcare for all Kenyans through the Social Health Insurance Fund. Post navigation